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

tried to communicate with these companies as i did not contract with anyone. unknown who any of these so-called companies are. after much research i found at minimum : [ Cf. 42 USC 1985 ( 3 ) ] - deprivation of our rights, [ Cf. 18 USC 1961 ] - Racketeering activity, [ Cf. Title 18 USC 1341 ] - Mail Fraud, and [ Cf. 18 USC 1343 ] - Telecommunications Fraud, [ Cf. 42 USC 1985 ( 2 ) ] - Obstruction of the Justice, [ Cf. 42 USC 1 CH. 21 - 1983 ] - Personal Damages resulting in continual Injury, [ Cf. 42 USC 1983 Note 39 ] - Civil Deprivation of Rights, [ Cf. 42 USC 1983, Note 319, and Note 337 ] - Custom & Policy.

[ Cf. 18 USC 242 ] - Conspiracy, and under the Color of Law, [ Cf. 18 USC 241 ] - Criminal Deprivation of the Rights, [ Cf. 18 USC 872 ] - Collusion/Coercion , [ Cf. 18 USC Ch. 73 1512 ] - Criminal Obstruction of Justice leading to, [ Cf. 28 USC 1359 ] - Loss of the Jurisdiction by their Collusion, all while operating under the [ Cf. 4 USC - Desecration of the flag. ( every reference is relevant, and i am clear of these allegations ) [ Cf. The Public Law 93-579, Section 7 ( a ) ( 1 ) 88 Statutes At Large 1896, 1909 ( 12/31/1974 ), codified at 5 USC 552a ] in the Notes, states that : It shall be unlawful for any Federal, States or local government agency to deny to any individual any right, benefit, or privilege by law because of such individuals refusal to disclose his social security account number. ( https : //www.justice.gov/ ). and [ Cf. Per the Public Law 75 -583 title 22, subsection 611 in Wex Law
, ] as PUBLIC SERVANTS, they were required to produce my request and refused with their silence : Oaths of Office Foreign Agent Statements and their amendments [ Cf. Foreign Agents Registration Act of 1938 ]. 
Anti-Bribery Statement Puerto Rico Secretary of State Letter of Tax Exemption Have National I.D . Card Delegation of Authority Order And any other instruments deemed by law. ], and ; Oaths to the United Nations ( UN ) All codes, rules, and regulations, are for government authorities only, non human/Creators in accordance with Gods laws. All codes, rules and regulations are unconstitutional and lacking due process [ Cf. Rodriques v. Ray Donavan ( U.S. Department of Labor ) 769 F. 2d 1344 ( 1985 ). ]
Product: Vehicle loan or lease

We were looking to refinance our XXXX XXXX  through capital one to lower our rates. When they called my wife to get the information she advised them that she was at work and did not have the information such as the VIN number and who the car was financed through. She was told that it was okay and they can get the information another time. When we heard back from them they had paid off our XXXX XXXX which is financed through XXXX XXXX. How they attained this information is baffling considering the truck is in my wifes, and father in laws name. The car is in my name and should have been dealt with through me and my social security number. When Capital one realized they paid off the wrong vehicle in the wrong names they tried telling me that my wife gave them the truck information which is incorrect. A month or so later they now called it an error on their end. We asked them if we can just draw up another contract for the truck and get the same rate wells fargo gave us because we do not want to pay more especially since this is their error. We were told no, and that because we have not paid this whole year while they were trying to figure it out that now we have to come up with over XXXX to be up to date or they are going to repossess our truck.That contract for the car is null and void because we are paying the car through XXXX XXXX  and it is as if they are not willing to work with us. We will be more than happy to keep the car payment through XXXX XXXX  and refi the truck with a new contract and at the same rate as we were paying with XXXX XXXX. We are also looking to fix my credit score since this has lowered it tremendously. We would just like to be past this and not be the ones paying for their error!
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, Is an vicitim of identity theft. My identity has been stolen from me. The following accounts that is on my report is authorized by me besides the fraudulent accounts. I've never been late or behind on any payments. I am asking that you guys remove the accounts that doesn't belong to me and read the files that i have provided.
Product: Credit reporting or other personal consumer reports

Experian refuses to remove an account they have no information on its accuracy. Rather than report correctly. they are inaccurately listing an account they have no knowledge of and they refuse to remove the account. I've been disputing this for almost a year. I am demanding with enforcement from the CFPB to remove this account after having a year of continual chaotic reporting.
Product: Checking or savings account

XXXX. XX/XX/XXXX : I went to bank with mothers death certificate, they informed me that no beneficiaries were listed on her account. Turns out this is because mom had XXXX and would report her check book as being missing so they issued her a new account number thereby nullifying her beneficiaries. I needed to get letters from probate court. 
XXXX. XX/XX/XXXX : I was issued Letters of Administration by the County Court. 
XXXX. XX/XX/XXXX : Went to Chase Bank branch office with LOA, Death Certificate and notarized letters of instruction. The instructions specified the Fidelity Estate Account that Chase was to transfer the money to. Bare in mind that XXXX uses a Chase Bank account of their own to perform wire transfer and the instructions, given to me by XXXX were conveyed in the instructions that I gave to my Chase Branch. The Chase people at my branch were great and provided good service. Somewhere their back office is dragging their feet. 
XXXX. XX/XX/XXXX : Call the deceased customer division at Chase and inquire as to why the funds have not yet been wired. Response was, we can't wire the money, you'll need to provide us with different instructions. They can't move money from Chase to Chase? 
XXXX. XX/XX/XXXX : Went into Chase Branch again with new notarized letter of instructions this time to simply write a check and send it to me. I will manually to the XXXX XXXX and deposit it, if they ever get around to complying with the court order. 
XXXX. XX/XX/XXXX : Writing this complaint because it should not take so long to write a check. They have known this day was coming since XXXX of XXXX when I went into the branch office with my mothers death certificate. 
XXXX. Since the CD 's in the account were closed in preparation for the wire transfer that did not get accomplished back on XX/XX/XXXX, the money ( about XXXX ) is not gaining the interest for the benefit of the estate but is for the benefit of Chase.
Product: Checking or savings account

When I log onto my online banking account, Bank of America presents a 'takeover ' webpage that prevents me from accessing my account. The takeover page requires me to accept online statements with no option to decline.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> {$4000.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX Account Number XXXX this account does not belongs to me it causing me a great deal of stress i would love to have them removed from my credit report XXXX & XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$240.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -
Product: Student loan

When the Biden administration implemented the qualifying payment recount policy for PSLF applicants in XXXX, I was one of the lucky ones who benefited from this recount. I received notice from MOHELA that I qualified for forgiveness in XX/XX/XXXX. But with the recount of qualifying payments, I had actually paid off my loans by their count in XXXX. I paid {$200.00} a month on my loans throughout most of the pandemic, seeing the payment pause as an opportunity to finally reduce my overall balance. By MOHELA 's own documentation, I overpaid my student loans by nearly 30 payments. At {$200.00} a month, I was owed an overpayment refund of close to {$5000.00}. 

I got two {$200.00} refund checks in XX/XX/XXXX for a total of {$400.00}. I reached out to MOHELA to see why there was a discrepancy, but didn't get much information. I started working with the state of Washington 's student loan ombudsman who began contacting them on my behalf in the summer of XXXX. Since then, the ombudsman has jumped through several hoops to try to help me get my full refund. This resulted in one more refund check of {$800.00} sent to me in XX/XX/XXXX ( almost a full year since the first one ). While greatly appreciated, this was still wholly inadequate, as I am still owed more than {$3500.00} in overpayments. 

The WA State ombudsman has now escalated my complaint to the state version of the CFPB. Both offices now have the official payment records from MOHELA. The ombudsman herself reviewed them and created spreadsheets to calculate my payments and what I am owed. According to her calculations, I was owed a {$4900.00} refund for overpayments. After subtracting the {$1200.00} in refund checks that MOHELA has already sent, that means I am still owed {$3700.00}. 

I am now more than a year and a half into the process of trying to get my full refund from MOHELA with no end in sight. I am worried that with a new administration taking over in XXXX, I will never get the money I am owed. 

I am hoping the CFPB will be able to help me finally get this refund. I was a XXXX for 16 years and diligently paid every student loan payment on time and in full for every one of those years. I am grateful my years of service finally resulted in loan forgiveness, but I paid more than I owed and I think it's more than fair that I get the money back.
Product: Debt collection

XXXX wanted by me as a result of deceptive trade practices. Just short of Arbitration XXXX  settled with me and paid back all charges and cleared every aspect to the debt. Things fraud now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX XXXXXXXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Mortgage

I have been charged thousands of dollars in Property Valuation nad Inspection Fees from Ocwen. These fees have been ruled illegal and predatory, and I want a refund from Ocwen for every single time they charged me for each Inspection and Property Valuation fee. 
They have also charged me up to SEVENTEEN TIMES in ONE month for " Certified Mail '' fees and I want a refund on those. They have even charged me a couple months ago for fees they say were for 2012! They said unless I paid the fees they would declare my account LATE.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

i opened a checking account with sofi and recently funded it by transferring money ( {$3000.00} ) from XXXX XXXX, which is a sole proprietorship. sofi restricted my account on XX/XX/XXXX, XXXX i called them and they told me that they restricted my account since the transaction came from a third party ( ie the account wasnt in my name ). i told them it was from my XXXX XXXX XXXX  they made the note and said that next steps would be to have their internal team investigate this further. they have not given me any timeline on how long this would take to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Late Open : XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX Balance : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, Unlawfully Provided My Credit Report to a Third Party Without My Permission... Which has my Private and Personal Information ... I have a Letter Fron Such Party stating Experian Provided my Credit Report to Them. By Law Experian is in Violation a per FCRA Codified at 15 USC 1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) I am Settling your Civil Liability Damages for {$1000.00} Pursuant to FCRA Violation 616 ( a ) ( 1 ) ( b ) 15 USC 1681 ( N ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized and illegal activities reflected on my credit report. This letter serves as a formal request to remove these inaccuracies immediately, as they are a direct result of the XXXXXXXX XXXX XXXX from XXXXXXXX 

My personal information, including my Social Security number, date of birth, and other sensitive data, was compromised during the well-publicized XXXX XXXX XXXXXXXX. I have reason to believe that as a consequence of this breach, my information was sold and used without my consent, leading to the creation of unauthorized accounts and entries on my credit reports. Over {$4200.00} was spent from XXXXXXXX XXXX XXXX in trying to remediate the effects in going making calls to XXXX, visiting USPS multiple times waiting in line and sending postage. Purchase of celluar devices, plans, making calls, and purchase of printer to print out all necessary documents to mail. 

I am hereby attaching proof that confirms my status as a victim of the XXXXXXXX XXXX XXXX. This evidence includes official communication from XXXX acknowledging my information was compromised in the breach. Despite this acknowledgment, XXXX has failed to take appropriate action to rectify the situation. 

In light of these circumstances, I am requesting the immediate deletion of all accounts and entries on my credit reports that have resulted from this data breach. These items are fraudulent and do not represent my financial behavior or consent. 

Please note, under the Fair Credit Reporting Act, you are obligated to correct any inaccuracies on my credit report promptly. Failure to do so may result in legal action. 

I trust that you will address this matter with the urgency it requires. I expect a written confirmation of the deletion of these items from my credit report. If you require any further information or documentation from my end, please do not hesitate to contact me. 

Thank you for your immediate attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, In XXXX of XXXX, there were some fraudulent activities with my XXXX   account, resulting in me having to close the account. The account that was close is the account that I use to pay all my bills online and direct deposit. In XX/XX/XXXX I personally contacted Chase card services and updated my new information and I was reassured that everything is going to be ok moving forward. Fast forward to XXXX, y XXXX XXXX I contacted Chase card services to check on my rewards. The Chase representative informed me that my account is two months behind. I was surprised since I know I had set up a direct deposit. The representative informed me that she is taken care of everything and I should make a payment {$100.00} by XX/XX/XXXX. A payment of {$150.00} was scheduled for XX/XX/XXXX just to ensure everything is ok. A few days later Chase closes my account dropping my credit score over XXXX points. I was devastated and still is because I did everything that was required of me, I even contacted Chase with my updated back information. Now I am trying to buy my first home and kept getting denied grants because my credit score had dropped so low I am not eligible. I went above and beyond to resolve this issue. Chase is refusing to accept responsibility for what happened.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX
Product: Debt collection

I previously initiated a complaint on XX/XX/20 against LVNV Funding, LLC because they acquired an account from XXXX XXXX XXXX in my name for $ XXXX.LVNV Funding, LLC responded on XX/XX/20 advising that the account was in process of being returned to the original creditor ( XXXX XXXX XXXX ) however, XXXX XXXX, XXXX is still erroneously reporting this {$460.00} debt on my credit reports in their name. I would like for this unwarranted debt to be removed from my reports ASAP.
Product: Credit card or prepaid card

I had a Citi Bank Mastercard. I called the company at the end of XXXX and asked that the credit card account be closed. They confirmed it was closed. When I logged in online, I confirmed that the webpage said " This account is closed. '' XXXX a company put through a charge for merchandise that I had cancelled in XXXX, confirmed with the company it was cancelled at that time, and never received any merchandise. The company apparently was able to put through the charge because Citi allowed it EVEN THOUGH THE CREDIT CARD WAS CLOSED! As a result, I'm getting a bill from Citi, late charges, interest, penalties, etc for something I didn't buy on a card I don't have. Help!