23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have disputed this alleged loan numerous times due to the fact that there is no contract between XXXX XXXX, the natural person, and XXXX XXXX XXXX or the US Department of Education. There is no promissory note with wet ink signature. There is no proof of original contract that exists. Who authorized this loan? 
They keep submitting " proof '' of a master promissory note with a typed signature. I am questioning the validity of the alleged promissory note. Anyone could have TYPED my name in the space. Where is the original contract?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not attempting for the 4th time to have inaccurate accounts removed from my credit report. Experian Consumer Services has not been in compliance as these companies have several inaccurate items on my report. I have requested that each of these companies validate that the debts are 100 % accurate and i " am willing to pay in full ''. Each time they have not been able to verify these accounts, i am also aware that they are inaccurate. For some reason, im getting notified that these companies need more time to investigate these claims, but it has now been 5 months and this is now becoming ridiculous. I would like the following included accounts removed from my credit file asap. This is my 4th attempt to resolve this matter through legal disputes but i am not getting anywhere. I will continue to take further actions until these inaccurate items are removed from my credit file. 

Regards, XXXX XXXX XX/XX/1981 XXXX ( SSN last 4 ) XXXX XXXX XXXX XXXX XXXX, Pa XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding multiple instances of fraudulent activity and unauthorized financial actions committed by XXXX XXXX XXXX, as detailed in the attached lawsuit. 
Background : XXXX. Fraudulent Deed Manipulation and Financial Misrepresentation : XXXX XXXX XXXX unlawfully removed my name from the property deed for XXXX XXXX XXXX, XXXX, MI XXXX. He secured a {$100000.00} loan against the property without my consent, using my business account. 
XXXX. Unauthorized Withdrawals from Business Account : XXXX XXXX made unauthorized withdrawals from the joint business account at Chase Bank ( Account No. XXXX ), despite repeated requests to remove his name. In XXXX, XXXX XXXX was ordered to leave XXXX XXXX. Despite providing necessary paperwork to Chase Bank, including the court order, he continued unauthorized withdrawals, resulting in significant financial harm. 
Details of Complaint : XXXX. Chase Bank 's Negligence : Chase Bank failed to act on multiple requests to remove XXXX XXXX XXXX from the business account, despite the provision of necessary documentation, including a court order. As a result, XXXX XXXX continued to make unauthorized withdrawals and secured a fraudulent loan using my personal information. 
XXXX. Ongoing Financial Harm : Chase Bank 's negligence has caused significant financial damage to my business and personal life. XXXX XXXX unlawfully withdrew {$64000.00} from the account, and the bank allowed him to obtain a {$100000.00} loan against the property without my consent. 
XXXX XXXX : XXXX. Immediate investigation into Chase Bank 's handling of my requests to remove XXXX XXXX XXXX from the business account and the unauthorized withdrawals. 
XXXX. Reversal of all unauthorized withdrawals made by XXXX XXXX from the business account ( Account XXXX. XXXX ). 
XXXX. Addressing the fraudulent loan obtained by XXXX XXXX using my personal information and ensuring the property deed is returned to my name, free and clear of any mortgage. 
XXXX. Compensation for the financial and emotional distress caused by Chase Bank 's negligence. 
I appreciate your attention to this matter and look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX Attachments : Lawsuit filed in the Circuit Court for the County of XXXX XXXX order mandating the removal of XXXX XXXX XXXX from the business account Bank statements showing unauthorized withdrawals Correspondence with Chase Bank requesting removal of XXXX XXXX XXXX from the account Loan documentation showing unauthorized loan obtained by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor XXXX XXXX XXXX is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, this company sent me paperwork from a company they represent with a forged signature, I do not owe XXXX XXXX XXXX XXXX XXXX and I demand that they provide actual validation with my WRITTEN CONSENT, I also demand a copy of the contract binding both parties ( XXXX XXXX & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX XXXX  within 5 days as listed in the terms of the the consumer book! kind regards!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX  XXXX XXXX Balance : {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Product: Student loan

My SAVE plan monthly amount due is {$500.00}, which is indicated on my MOHELA account page. My first payment after pause was due XXXX, but the amount due was {$580.00}. On XXXX I sent MOHELA a message asking for the payment due to be adjusted to the SAVE amount of {$500.00}, but received no response. I made the full payment of {$580.00} on XXXX to avoid any consequences of a late/missed payment, and on the same day messaged them to ask for a refund of the difference of {$81.00}. I received no response. 

My next payment is due XXXX, and the correct amount of {$500.00} is the amount due.
Product: Credit reporting

EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS PLACED BACK ON MY FILE ADDRESSES THAT WERE INDEED FRAUDULENT AFTER SENDING ME INFORMATION THAT THE INFORMATION WAS DELETED. ON XXXX XXXX THE FOLLOWING INFORMATION FROM EQUIFAX WAS SENT TO ME STATING THAT THEY HAD INDEED REMOVED AND DELETED THE FRAUDLENT ADDRESSES THAT ARE IN QUESTIONED XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX VIRGINIA XXXX VA XXXX. AS EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS PLENTY OF DOCUMENTS INCLUDING BUT NOT LIMITED TO POLICE REPORTS FROM NC/VA LAW ENFORCEMENT OFFICES AS WELL AS FTC AFFIDAVITS SUPPORTING THAT THESE ADDRESS DO NOT BELONG TO ME AND I HAVE NOT STAYED AT THESE ADDRESSES AND THAT IT IS INDEED FRUADLENT. ON XXXX XXXX XXXX I RECEIVED INFORMATION FROM EQUIFAX THAT THEY ARE REPORTING THE FOLLOWING ADDRESSES BACK TO MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CLAIMING THAT IM A RESIDENT OF THIS ADDRESS SINCE XXXX WHICH I HAVE NOT EVER STAYED AT THAT ADDRESS AND THE PROPERTY OWNERS AS WELL AS LAW ENFORCEMENT AND PUBLIC RECORDS WILL SHOW THAT IM NOT A RESIDENT OF THAT ADDRESS. XXXX XXXX XXXX XXXX NC XXXX EQUIFAX STATED THAT I WAS A RESIDENT OF THIS ADDRESS AND CAN NOT PROVE ME TO HAVE BEEN AT THAT ADDRESS AND STATED TO ME THAT I USED THAT ADDRESS FOR MAILING AND BUSINESS PURPOSES AND CAN NOT PROVE SHOW ON XXXX THAT I STAYED AT THAT ADDRESS BY AN APPLICATION OR MAIL RECEIVED BY ME AT THAT ADDRESS. ALSO XXXX XXXX XXXX XXXX XXXX IN XXXX VA XXXX EQUIFAX CLAIMED THAT I BEEN A RESIDENT OF THAT ADDRESS SINCE XXXX WHEN IN FACT THAT ADDRESS WAS FRAUDULENT AND CLAIMED THAT I USED THE ADDRESS FOR BILLING AND APPLICATION PURPOSES WITHOUT SENDING ANY PROOF. BUT HAVE DOCUMENTATION PROVING IN THEIR RECORDS FROM XXXX THAT IT WAS INDEED FRAUD AND I HAVE NOT STAYED AT THAT ADDRESS. ALSO THE ADDRESS OF XXXX XXXX VIRGINIA XXXX XXXX THAT THERE CLAIMING I BEEN A RESIDENT OF SINCE XXXX WAS INDEED A FRAUDULENT ADDRESS AND THE INFORMATION FROM THAT ADDRESS IS FRAUDULENT AND EQUIFAX HAS IN THERE RECORDS INFORMATION PROVING THAT I WAS NOT A RESIDENT OF THAT ADDRESS AND THAT IT WAS IN DEED FRAUDULENT. FROM LAW ENFORCEMENT OFFICIALS. WITHOUT PROVIDING ANY PROOF THAT I STAYED AT THAT ADDRESS AGAIN.. EQUIFAX HAS PROVEN TIME AND TIME AGAIN THAT IT WILL CONTINUE TO VIOLATE FEDERAL LAWS UNDER THE FCRA AND REINSERT INFORMATION THAT WAS DELETED AND CAN NOT BE PROVEN EVEN AFTER RECEIVING INFORMATION IN THERE FILES FROM LAW ENFORCEMENT
Product: Checking or savings account

When I called Ally, the company holding my CD, I was interrogated to establish my identity.  But the questions varied from the usual.  After ginving my mother's maiden name, and all the other usual identifiers, I was asked to identify "XXXX"  something or other.  When I responded that I had no idea what they were talking about, they demanded my social security number, to which I told them I only gave to medical or social security employees.  We had a brief exchange where I gave theme the legal reasons why they could not use my number for their purposes, and suggested they use the same questions the other eight financial institutions used with my accounts: either my birthdate, or the Ally account numbers they had given my account.  I was told no.  UnlessI gave them my number they would not respond in any manner.  Although I had calledoriginally to verify that my instructions regarding federal withholding were being followed,this made me extremely suspicious.  Especially since I had become acquainted with Allyonly through their primary business:  aurto financing at dealerships, with no local addfressat all. I told them that their lack of cooperation required me to close the account and getan immediate refund of funds to put into another bank. They laughed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXXExpress reported a credit payment as late and dropped my credit XXXX down to XXXX pts. This credit account has been opened since XXXX and has never been late due to this one time due to having no access to online payment system with the company 's website. This creditor has violated my rights... 

In accordance to the fair credit reporting act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604a section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA
) and Regulation E. These actions XXXX have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I created an account with CoinBase and purchased {$3000.00} in XXXX. On XX/XX/XXXX, I sold {$1000.00} of XXXX for {$1000.00} of XXXX. On or about XX/XX/XXXX, I logged in again to check my account and found that it had been restricted, and I was unable to withdraw my assets. 

I contacted Coinbase support on 4 separate occasions, but was never able to get any explanation other than a link to their help articles with generic reasons for why my account might be restricted. 

Their support suggested that I sell my assets, and would then be able to withdraw them as USD. I do not want to sell my assets. I want to withdraw my assets from the platform.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information listed below is incorrect and does not reflect my true credit history. 

Account Information : Creditor : XXXX  Account Number : XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX XXXX Balance Owed : {$2500.00} Account Rating : Derogatory Account Description : Other Collection Agencies Dispute Status : TransUnion XXXX Account not disputed XXXX : Account not disputed XXXX XXXX Account disputed Account Status : TransUnion : Open XXXX  : Closed XXXX : Closed Payment Status : Collection/Chargeoff Creditor Remarks : TransUnion : Account information disputed by consumer, meets FCRA requirements XXXX : Customer disputed account - reported by subscriber XXXX : Consumer disputes this account information, Subject has not satisfied debt Original Creditor : XXXX Discrepancies and Inaccuracies : Date of Last Activity : Discrepancies exist between the last activity dates reported. 

TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Reported : The dates reported are inconsistent. 

TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Account Status : Inconsistencies in account status ( Open vs. Closed ). 

Supporting Documentation : Enclosed are copies of my credit report from each bureau highlighting the inaccurate information, along with any supporting documents for verification. 

Requested Action : I request that the inaccurate information be corrected or deleted from my credit report. Please reinvestigate this account and send me an updated copy of my credit report reflecting the corrections.
Product: Money transfer, virtual currency, or money service

Venmo erroneously suspended my account and so I filed a previous complaint against Venmo with the CFPB ; then, Venmo sent me an email apologizing for the mistake and they explained that they un-suspended my account and told me I could use my account again. So, I logged into my newly un-suspended Venmo account 10 minutes later ; and, Venmo then re-suspended me a second time after they had literally just un-suspended my account 10 minutes earlier. Please look at the attached emails, and their timestamps, for verification of this. Please note that Venmo 's suspension of my account both times was erroneous on their end and that I did nothing wrong. Because of their incompetence, and because this is the second time they have suspended my account, I have filed this second complaint in relation to my account being suspended a second time.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

I received a debt collection letter stating that I would be litigated against if I did not pay {$5400.00} by XX/XX/XXXX. This account was closed by the original creditor ( XXXX  XXXX ) without consent or notice. My original credit limit was {$3500.00}. the account was closed by XXXX  XXXX on or about XX/XX/XXXX. XXXX  XXXX continued adding interest charges 1 full year after in the amount of {$5300.00}. I asked for the original accounting document to figure out how the calculations were made and the validity of the account being closed as it was not agreed to and possible fraud was suspected by XXXX XXXX. I was denied my request for any information besides a generic debt validation letter.
Product: Vehicle loan or lease

I lease a XXXX XXXX XXXX and XXXX from XXXX. Upon checking my credit report, I noticed that there was a 30 day late reported inXX/XX/2017.  This is inaccurate and it should be deleted. I have contacted the company recently and they responded that they were not going to delete the item. The account is current. 
This erroneous information is preventing me from obtaining credit. The company has writtten me regarding my lease trade in and I would like to trade in my car and lease another vehicle from them ... however I can not obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized HOMETOWN Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX student loans showing on my credit report should not be there please correct the information and remove the account from my report.
Product: Payday loan, title loan, or personal loan

MoneyLion offers a credit builder loan of {$500.00} in which you make small weekly payments on to improve your payment history on your credit report. After doing this for a few months I switched bank accounts and attempted to switch the account on my moneylion account to the new one. I was unable to do this and repeatedly tried to contact moneylion so that I could fix it. After multiple emails and phone calls I gave up. Moneylion then reported me as past due and my credit score dropped nearly 200 points. I am still attempting to contact them and still am unable to.
Product: Checking or savings account

I was recently charged a $ XXXX monthly fee on my checking account. I meet one of the requirements to have the fee waived. The bank is unable to explain why the fee was charged and is unwilling to waive it.
Product: Mortgage

I had a mortgage with HSBC and I refinanced with the bank in XXXX, but I never received my form 1098 for my old mortgage from the bank. The deadline to file XXXX taxes is XX/XX/XXXX and I contacted the bank multiple times to ask for a copy of form 1098 since XX/XX/XXXX. HSBC didn't care about my request and was not willing to expedite it. Even though HSBC kept telling me that they already sent me the form, but I don't believe it is true, because I have been waiting for the form for more than 14 days since XX/XX/XXXX. The bank was uncooperative and not transparent throughout the whole process. I am not able to file my taxes on time due to the missing form 1098.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have been trying to get Equifax to fix my credit report Ive been given multiple different answers of why not receive my report ( ect that code BLNK doesnt exist, we have filed a claim for you ) just now XX/XX/XXXX. They finally told me they needed physical unreacted copies of my drivers license Social Security number and a recent bank statement. In my opinion that is not a safe viable option they refuse and say that the department does not have any email phone number and only deal with physical mail. I dont see where I need to put my life and potential credit fraud situation. They already have had data breaches how can I trust them to handle physical documents that are sensitive.