23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The servicing of our mortgage was transferred to Newrez LLC on XX/XX/2023. They sent numerous emails and letters in the mail letting us know who they were and that we would be able to log in to our account and have full access, just like we were able to do with our previous mortgage company, XXXX. Every single letter and email we were sent told us we would have full access to our information and be able to pay our bill online. 
Since then, we have been able to log in to our account, but the pages don't load and error messages pop up every time we try to click the link to pay our mortgage, or view documents. I can't view anything on their site pertaining to my account. I contacted the company in XXXX to let them know about the issues and they said to give it a week and if it kept happening they would transfer me to their IT department. It doesn't make any sense for me to be transferred to their IT department when the error has to do with THEIR site. In XXXX, I emailed to inform them again about their website not working and I never received a response. 
Last month, I was able to log in and actually pay the mortgage through their website, but now I'm not able to. They also sent me emails and text messages that my tax documents are available online, but when I log in, they aren't there and more error messages pop up. I have tried multiple times to access this important information. 
This is so incredibly frustrating. If they can't do something as simple as make their website work for their customers, then they should not have acquired so many new accounts. It is a huge disservice to their customers when we can't even view our own account details, or print out our tax information to file our taxes.
Product: Debt collection

This company is harassing my father with calls to contact me even though they have my number. My father has XXXX and is tired of them calling his phone. I have told them repeatedly to not call. I don't even know how they got his number as I didn't use him as a reference and didn't list him as a co-signor. I want to verify how they got his personal information as it is now a privacy concern.
Product: Debt collection

I am Im making this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEM will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Credit card or prepaid card

Name XXXX XXXX Email XXXX last 4 digits ss # XXXX My card has been lost for awhile sent email to American Express no reply
Product: Money transfer, virtual currency, or money service

I used to have chase account before I came back to XXXX XXXX. And I closed it and swifted money into my XXXX account at XXXX. But at XXXX, it was delayed, and now it cancelled.
Product: Money transfer, virtual currency, or money service

I have had been a loyal customer of CITIBANK since I was a child and I have had this account in particular for many years almost 30 years, and in good standing. Someone unknow to me and without my knowledge or authorization accessed my CITIBANK SAVINGS account and CITIBANK CHECKING account on XXXX fraudulently by obtaining my information making me a victim of identity theft. The individual ( s ) accessed my account using the online site or accessed the account using the mobile application to commit fraud and withdrew money/ stole money from my account. 

Once in my account, the individual ( s ) changed my account from a regular CITIBANK CHECKING account and CITIBANK SAVINGS account and updating my accounts to CITIBANK PRIORITY accounts without my knowledge or authorization. They then moved {$5400.00} from my CITIBANK SAVINGS account to my CITIBANK CHECKING account to process the withdrawals. Following that the individual ( s ) then withdrew money through 2 transactions, one for {$2500.00} + another for {$2400.00} for a total of {$4400.00} from my account using the XXXX application. XXXX is partnered with CITIBANK and was accessed only after the person passed through my CITIBANK log-in to commit the fraud within the CITIBANK XXXX XXXX. 

Claims have been filed with CITIBANK regarding these fraudulent activities starting on XX/XX/XXXX the same date as the fraud took place. On XX/XX/XXXX police report was requested and filed. 

Visits have been made to the bank in regards to this fraud where I spoke with them. With a bankers assistance calls were made to the fraud department, so that I could again request action be taken and they documented the identity theft. This was In an attempt to have CITIBANK take action and return the money stolen from my bank account and provide detailed information on the fraudulent activities. Countless calls and time have been spent making calls to the fraud division of CITIBANK and requests for information to be sent to me as to how this happened. I would like CITIBANK pay attention to the fact that my identity has been stolen which is why they encouraged me to open new accounts which was done. I believe there to be security if this type of thing happens through a partnering application within the CITIBANK site or mobile like XXXX so that the resolution is to return the money taken from the account fraudulently.
Product: Credit reporting or other personal consumer reports

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what you intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this issue fixed and these accounts deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Victim Fraud Assistance Department, XXXX  Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Experian, XXXX  and XXXX  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Experian, XXXX and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.
Product: Debt collection

My husband and I owe medical bills. I assume they are a legit debt collector but maybe not. I live with my Mother and I 'm her caregiver so it 's her landline phone. We are financially strapped and this company who shows up on the phone is called UCI. They have called for quite sometime and will not stop. My Mother is not in good health and it 's beyond annoying when they continually call almost daily. I told them today once again to stop calling. We can not pay the bill and I 'm not even sure if their scammers or not. I have XXXX phone numbers they call from. They are harassing us and I want them to stop. Thank you.
Product: Checking or savings account

I opened a Capital One 360 checking account on Friday XX/XX/XXXX with an initial deposit of {$120.00}. The banks website states accounts that are funded when opened will have atm cards sent by XXXX ( overnight ) in 1-2 business days otherwise cards will be shipped by USPS. 

I called the bank on Friday XX/XX/XXXX regarding the cards whereabouts and was told by the first CSR that it had been sent by USPS even though it should have been sent by XXXX  XXXX. The CSR could not explain the error. I requested a second CSR ( XXXX I believe ) who explained it was possibly a " glitch ''. Neither of these are explanatory or acceptable answers as it pertains to the handling of money. The interaction with Capital One seems fraudulent or otherwise falsely advertised given that all criteria was met.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I received a strange call regarding my credit and placed a credit freeze on all 3 credit bureaus. 

My wife and I are currently looking to buy a house and are applying for a mortgage. When I went to remove the freeze I had no problem with XXXX or XXXX but Experian said my request could only be processed by sending them a physical request in the mail. As I mentioned previously, I am in the process of purchasing a house so this was time sensitive and I overnighted the request with the proper documentation on XX/XX/2020. 

I have confirmation that the delivery was completed a week ago, on XX/XX/2020. I have received no correspondence in return from them. I have tried to contact them multiple times between now and then and have found it impossible to get a human on the phone. I have gotten stuck going in circles with their automated services giving me the same run around as online. Calling their corporate customer line I was able to talk to an operator. When I explained my issue the operator said she was going to connect me to " special services '' then hung up on me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customerservice and unfair practices, which violatethe Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to taketimely and effective measures to prevent andaddress fraud on their platform, leaving myaccount vulnerable and unprotected.

Furthermore, their dispute resolution processwas unfair and deceptive, as they did notcomply with error resolution requirementsunder the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actionshave caused significant inconvenience andfinancial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and misused by unauthorized individuals. Im demanding an investigation and immediate removal of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX   XXXX 4 ) XXXX XXXX XXXX 5 ) US Department Education 6 ) XXXX   XXXX  7 XXXX XXXX XXXX XXXX 8 ) XXXX XXXX  9 ) XXXX XXXX XXXX   10 ) US Department Education 11 ) US Department Education
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have all been removed from my XXXX credit reporting account I would like XXXX, and Equifax to do the same for the following accounts XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX have received the proper court ordered documentation that was signed by the Judge of the Federal Bankruptcy Court, Distric of Minnesota, saying that the accounts in question connected to XXXX have been discharged and are no longer available to claim any debt. XXXX was given 90 days to appear in court or write a letter proving their " supposed '' lender that they service was original owner of the dept in question. XXXX never showed up within the 90 day timeline. XXXX XXXX XXXX XXXX gave an additional 30 days for them to come forward and they still never responded. Due to these actions, and the mass amount of evidence brought forth, the judge dismissed any further collection of XXXX. Transunion, XXXX and XXXX have received these courts orders proving this information along with disputes to lawfully report correct and accurate information. According to the Fair Credit Reporting Act these 3 companies are obligated to correctly report information. At this point they keep reporting false and innacurate information even though they have received the court orders verifying the correct information, that proves these accounts are no longer open. XXXX keeps closing and reopening the same accounts that are in the court ordered documentation. The constant changes are damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as remove or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$2.00}, XXXX  XXXX Balance {$400.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXXXXXX Balance {$1000.00}, XXXX XXXX XXXX XXXX Balance {$570.00}, XXXX XXXX XXXX XXXX Balance {$1100.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I Received a letter from IRS stating I received {$5000.00} through Block Inc ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. Which someone used my name & social security number to receive these funds. I had never heard of these companies until the IRS notified me of this bill. We have reached out to IRS AND BLOCK INC concerning this matter. I have never received any funds from this company and I have been trying to prove it is a SCAM that someone received {$5000.00} using my name & social security number.
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX XXXX XXXX XXXX XXXX Subject : Request to Remove Student Loans from Consumer Reports Dear XXXX XXXX XXXX XXXX and Navient , I am writing concerning the student loan account XXXX, associated with my name, XXXX XXXX, and my address as provided above. 

Recently, I received a XXXX form which indicates that a portion of my debt was canceled. The IRS has accepted this cancellation, and I have duly paid the necessary tax implications associated with this form. 

Given this, I kindly request that you update your records to reflect this accepted cancellation and subsequently remove the mentioned student loan from my consumer reports. As you might be aware, accurate reporting is essential to ensure that all individuals can benefit from the true reflection of their financial situations. Removing the loan from my report will help me in my future financial endeavors, and I believe it's a fair request considering the debt cancellation has been accepted by the IRS. 

I would appreciate your timely attention to this matter. Please provide written confirmation once the loan has been removed from my consumer reports. If you require any further documentation or details regarding this, please feel free to contact me at XXXX XXXX I have also attached a copy of the XXXXXXXX XXXX XXXX. 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notifications that chime reported a past due delinquency of XXXX XXXX for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX XXXX to my credit builder account and transferred XXXX XXXX  out of the account on XX/XX/XXXX. I have 81 emails with chime trying to resolve this issue since XXXX. Chime responds back with a generic email stating the information has been updated even though it hasn't. In one of the emails chime admitted a error occured and the delinquency will be removed when my credit report updates, I told chime my credit updates in real time and XXXX, XXXX and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that Chime has made has caused immediate financial stress into my life. chime is refusing to acknowledge the fact the XXXXXXXX XXXX I owe is a error, on XX/XX/XXXX I added XXXXXXXX XXXX to my account on XX/XX/XXXX I transferred XXXXXXXX XXXX out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXXXXXX XXXX I called chime and they stated it was an error I dont owe anything. Please have chime provide proof that I owe the XXXX XXXX You can not say I owe XXXXXXXX XXXX in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXXXXXX XXXX from XXXX, my account had a XXXX balance. my credit XXXX XXXX XXXX  was never a negative balance, you add money and you spend the money you add. Please scroll down to page 4. I reported chime to the XXXX Chime stated to the XXXX upon closure XXXXXXXX XXXX was debited and posted to my account. Chime. I attached the statement of that, chime is falsifying transactions. I did not have a XXXX XXXX  balance on my account before closure or on closure day, there wasnt a negative balance sure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account needs to be removed from my credit report immediately. this is not my account I have already filed an Identity Theft Police Report On XXXX XXXX XXXX reference number XXXX. please delete this account from my credit history asap
Product: Mortgage

Mr. Cooper changed my loan number without my consent and charged me {$1000.00} in fees. I asked who they paid, they have not provided me with a name yet. They charge me XXXX a month on my mortgage. As a result I can not make principle only payments. It would take 30 years to pay the amount meaning I could NEVER make principle only payments.