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

I am a victim of identity theft and this account was opened up fraudulently with out my consent. I have asked them to investigate and remove it off my credit report. Please remove these items off my credit report. 

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 XXXXXXXX
Product: Mortgage

The topics for issues did not really apply to my issue. I am trying to request a Verification of Mortgage from my current mortgage company, Amerihome, as I am working on refinancing with another company. I began requesting this document on XX/XX/XXXX. I was given the option of how I would like to receive it and I requested email. I was told I would receive it in 24-48 hours. I called back on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. Each time I am on hold and passed around for XXXX hour phone calls. On two of the days I called multiple times. I have been told repeatedly I would receive the papers in 24-48 hours or up to 72 hours. I still have not received them. In the meantime several of these calls I was approached about doing my refinance thru their company as my other refinance has not finished yet- since I have not received the papers. Today I was told it would be sent today via fax to my loan agent, but still do not have the papers. Ive received different stories from almost every agent Ive spoken to. All I would like is the XXXX sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 XXXX. XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized by me.
Product: Credit card

I applied for an American Express credit card on XXXX and got denied regardless of the reason for being denied I have the right to credit. Denying me access to my credit under the Equal Credit Opportunity Act is discrimination. Withholding my access to my securities is securities fraud you are violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are denying me, my credit please retract my application thank you. 

XXXX XXXX attorney in fact For ; XXXX XXXX
Product: Credit card or prepaid card

Transworld Systems Inc, on behalf of XXXX started garnishing wages from my account for a XXXX XXXX on XX/XX/XXXX for the amount of {$260.00}. After the garnishments started, I paid the balance off in full with a one time payment on XX/XX/XXXX. In the process of them processing my loan payment, they deducted an additional {$270.00}. I contacted Transworld and an refund was issued for {$270.00} on XX/XX/XXXX. I deposited the check last week ( XX/XX/XXXX ) with XXXX XXXX, and I was informed on XX/XX/XXXX that the check did NOT clear. I repeat, Transworld sent me a refund check that bounced. I contacted them 5 times over a three day period -- from Tuesday evening XX/XX/XXXX ) to Midday Thursday ( XX/XX/XXXX ) -- and I get the same answer from every customer service rep ... email the supervisors. I have emailed the supervisors with a copy of the check and left a few voicemail messages and I have yet to receive any response. So as it stands they basically took me for {$270.00}.
Product: Debt collection

I contacted the debt collector on XXXX to request a verification of debt letter by a supervisor ID # XXXX XXXX. I was told she was not able to send one as IC Systems did not own the debt they were trying to collect on. I was told they could only send me a balance statement in regards to the debt. I made clear that I have not received any correspondents via USPS and was only mad aware of the debt when I ran a credit report.

I made multiple request for a letter to verify the debt and was told it would not be sent.
Product: Money transfer, virtual currency, or money service

Hello, Thank you for your assistance. I have been denied access to funds by Chase bank for no reasonable reason. The bank has essentially stolen my check proceeds. Details are as follows. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My family came to XXXX, Ohio over the XXXX week to visit my older sister XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had received a check and I wanted to cash the check so we proceeded with my father into the chase bank branch located on XXXX XXXX XXXX in XXXX ohio on the XXXX of XXXX with the intention of depositing the check I had recieved from an insurance settlement. We met with the chase bank representative that day at approximately XXXX and presented our photo IDs ie state issued driver 's licenses and subsequently signed the back of the check in the presence of the bank representative who subsequently deposited the check into my sisters account. He promptly told us upon depositing the check that there was going to be a XXXX business day hold placed on the check proceeds. We asked for the check to be returned because we preferred to wait until we returned to Georgia and simply deposit it at our bank in Georgia but we were told the check could not be returned to us. We subsequently left the bank branch that day and we waited the XXXX business days and remarkably on the XXXX day my sister got a text alert from the, fraud dept. At Chase that my sisters account was suspended due to the depositing of this fraudulent check! We immediately called the individual who wrote the check whom is a lawyer XXXX XXXX XXXX in XXXX Georgia, and she produced the cleared check which was paid on the same day that I deposited the check! The check was far from fraudulent and had cleared her account that day on the XXXX of XXXX. We have called Chase bank XXXX XXXX daily and are told they need to verify me via cell phone. I give them my phone number each day and they claim they can't reach me?. This is outrageous. The lawyer who tendered the check has called as well as gone into the local Chase bank branch to verify she wrote the check with her ID and still the funds are kept by Chase bank. My funds have been defrauded by none other than CHASE bank and I simply want our funds.We have retained a lawyer in this matter and will be moving forward with a demand letter. This is so outrageous that a bank can steal money like this! Thank you XXXX paid to business : XXXX Attachments
Product: Checking or savings account

My account was frozen for suspension activity I sent XXXX to my own digital wallet in my name. Cash app said I will have access to my account with in XXXX hours it has been over XXXX hours the notice I received was at XXXX eastern time on the first. It is now XXXX on the XXXX I can't get anyone to talk to me except low-level support who only reads scripts. I missed my dad 's funeral bc of this bs. I am so upset please help
Product: Mortgage

I had a COVID-19 loan forbearance with XXXX that was set to expire on XXXXPrior to that date a company called Gregory Funding bought the loan . In XXXX I contacted them prior to the end of XXXX by phone ( very difficult company to deal with they have 6 hour hold times on average ). I was told that I would be put on a streamlined program which would basically have me start making my normal payments of approximately $ XXXX as usual. I didn't hear from them for over a month then received loss mitigation paperwork. I contacted them by phone again in XXXX and was told to fill out the paperwork and that even though my loan is an FHA loan Gregory Funding does not have to follow federal guidelines because they are not an FHA company. I asked to speak to a supervisor and was told one would call me back. That has not happened. In the meantime I have received a 'notice of intent to foreclose ' letter and they intend to foreclose on my house on XXXX XXXX. According to your website the company needs to work with my to offer a payment solution and can not simply ask for me to pay the entire sum as a lump sum. However that is exactly what they have done. I believe that Gregory Funding is a predatory company that is specifically targeting houses in Florida trying to take advantage of consumers who utilized the federal COVID-19 forbearance program. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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: Mortgage

My complaint is the following ; I refinanced my VA Mortgage in XX/XX/XXXX with United Security Financial. XX/XX/XXXX I had to file Chapter XXXX Bankruptcy due to a divorce and placed on a 36 month payment plan. In XX/XX/XXXX United Security sent my VA Mortgage to XXXX to act as their servicing agent. United Security was notified of the bankruptcy through legal means and was given the opportunity to file with court for any monies owned to them. United Security filed for a single missed payment and received their funds through my appointed bankruptcy trustee. In or about XX/XX/XXXX I completed my court approved payment plan and the trustee notified all debtors to ensure no outstanding debt remained before releasing me and the court granting a discharge. In XX/XX/XXXX attorneys for United Security Financial filed Final Cure of Payment with the court and trustee certifying I was current on my mortgage payments. In XX/XX/XXXX I received my discharge from bankruptcy. XX/XX/XXXX I contacted XXXX and at first they would not speak to stating I was in bankruptcy so after several weeks and the assistance of my attorney I got them to take me out of bankruptcy status and talk to me. At that point XXXX proceeded to tell me I was four ( 4 ) months behind on my mortgage payments. I disputed this claim and tried numerous times to speak to someone that could help me resolve this issue. Each time I have called XXXX Customer Service I received a different story and they would never connect me with anybody that could or would help. On one of the calls the customer service rep told me they had spoken to me numerous times in reference to the delinquent payments ; I asked how is that possible when I was in bankruptcy and they were n't legally allow to speak to me ; she changed her story to they notified my attorney. I called my attorney which verified XXXX had never contacted him at any time. After several calls I got to a person that identified them self as a supervisor and further stated that I missed payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which I again disputed the claim and provided XXXX with 26 months of bank statements, payment history and the United Security attorney signed Final Cure of Payment supporting all payments had been paid and cleared the bank and they continue to fail to correct this issue giving a number of excuses as to why it has not been corrected. The months that they claim delinquent would have occurred prior to XXXX take over the loan servicing and United Security Attorney ( which is the actual mortgage holder ) certifying I was current on payments. I am concerned as to why United Security and XXXX would not notify the court and/or my attorney of a four ( 4 ) month delinquency, refuse to talk to me because I was in bankruptcy and wait until the bankruptcy was discharged and then send a Default Notice. United Security and XXXX is making false claims of delinquencies attempting to circumvent the US Bankruptcy Court and the protections afford to me through bankruptcy. I have also attempted to contact United Security Customer Service directly with no success.
Product: Money transfer, virtual currency, or money service

Theres been plenty of times I have tried to Zelle or receive from my Zelle with delays on money payments or money processing not going through for whatever reason on their end. Zelle is one of the main things I use to transfer money for my rent or receive from my roommate each month. The lack of being able to get a hold of someone is ridiculous and the fact that I bank with XXXX XXXX XXXX does not make it any easier. They lack 24hr customer service.
Product: Debt collection

I received a Student Credit Card Journey when I had turned XXXX and at that time attended XXXX in XXXX as a XXXX and working only part-time and Capital One knew this. I was originally born and raised in XXXX, XXXX. I also attended XXXX College full-time while working only part-time until XX/XX/XXXX when I relocated to XXXX for residency and to continue my college education at XXXX. In the meantime I have only worked part-time jobs barely making minimum wage. In XX/XX/XXXX while attending school, I got laid off from my job and became unable to make payments. I had some help from family members but then they got sick and could not help me. I told Capital One this at the time. Never got a response. To date, I had never received any correspondence from Capital One other than was I working full-time, how much money I make and did I graduate from college yet. I never received any letter other than the one I received dated XX/XX/XXXX from XXXX threatening and hurrying to file a judgment against me for {$2300.00}. ( see attached letter ) in which they served to my XXXX yr old grandma on XX/XX/XXXX. I have never been married and I do n't know where they got this false/fake information from other than they have me mixed up with my father. Capital One has violated by legal rights under the Fair Debt Collections Practice Act ( FDCPA ) as I feel Capital One Bank ( USA ) , N.A . along with their attorneys XXXX, XXXX have abused and practice false and deceptive acts against me and I hereby file a complaint against them. I will also be filing a complaint with the Consumer Protection Bureau for violation of my legal rights. Because I was never properly notified by letter, etc. and then this shows up at my address for judgment. Capital One has also violated my legal rights under the Fair Credit Reporting Act ( FCRA ) and because of lack of communication this is deceptive & abusive practices which has caused me a lot of mental anguish and stress.
Product: Debt collection

I've reach out to Lexis Nexis in XXXX and XXXX of 2023 they have refused to give me a copy of my report
Product: Checking or savings account

PNC will not allow me to make deposits into outside investment apps like XXXX
Product: Debt collection

Everyday, Midland Credit Management flags my account as collections and threatens a lawyer, I get repeat robo calls from them daily. XXXX  is dropping my credit score every single day since Covid-19 pandemic started, causing for companies like SBA not approve loans for my small business.

Creditors, Credit Collectors, Credit Buyers, and Credit Bureaus are abusing Fair Debt Collections on a daily basis. My credit score dropped over 300 points, and continues to do so. 

All of the above ignored the Covid-19 Consumer Protection Act, harassing frontline healthcare workers such as myself, calling during working hours, saying that there's no way to add your times of work and they can call you any time any day even if you are a healthcare worker. The pandemic does not matter. 



MIDLAND CREDIT MANAGEM has flagged your account as Collections on XX/XX/2021. 

Source : XXXX  Company : MIDLAND CREDIT MANAGEM Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX XXXX Collections ) Balance Date : XX/XX/2021 Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, XXXX5 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS AND INQUIRY LISTED DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE AND THEY WERE NOT AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE DELETE AND REMOVE THE ACCOUNTS AND INQUIRY OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account was opened fraudulently in my name I sent a dispute letter, XXXX and police report and their own identity theft complaint I disputed the account on XX/XX/23 the dispute results came back XX/XX/23 more than 30 days later but the information was deleted. Now the company has be harassing me and decided to report the deleted information on my credit report again. On XX/XX/XXXX Experian reinserted a deleted account information back on my credit. 1 it has been over 30 days and 2 this information was deleted. I did not receive anything in writing 5. Days after as they suppose to notify me of such. both are violations of my consumer rights pursuant to 15 usc 1681i ( 5 ) ( i ) ( ii ) ( iii ) and 15 usc 1681i ( a ) ( 1 ) see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this letter to inform you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have disputed with Equifax on inaccurate reporting. On XX/XX/XXXX I sent Equifax a plea to correct or remove the inaccurate, incomplete credit information as stated in the FCRA law USC 1681. Equifax has not complied to my request. The letter sent is included in evidence. On XX/XX/XXXX Equifax sent me the reinvestigation results. The inaccurate information is on the following accounts. XXXX XXXX  has been sold. XXXX XXXX should not be reporting on the account if lending club has no affiliation with the account and no history or date closed is provided I have no way to verify this account. XXXX account is reporting with no closed date. Date of first delinquency is XX/XX/XXXX while reporting XXXX days past due. this is inaccurate. XXXX is reporting XXXX to XXXX days past due XXXX consecutive months XXXX XXXX XXXX. this is inaccurateXXXX XXXX  date of last payment is reporting XX/XX/XXXX. Account history with code is missing, I can not validate. Date of first delinquency is reporting XX/XX/XXXX, history with code is missing. XXXX is reporting XXXX days past due XXXX consecutive months XX/XX/XXXX through XXXX. No closed date is reported. XXXX XXXX XXXX  account, date of last payment is reporting XXXX. This information is missing in History code. Date of first delinquency is XXXX  that is missing in history with code. XXXX to XXXX  days past due reporting consecutively XXXX XXXX XXXX this is inaccurate. XXXX XXXX date of last payment is reporting XXXX while reporting first delinquency of XXXX XXXX XXXX XXXX  is not accounted for this is inaccurate. No closed date is reporting. History codes are missing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This report after investigation is reporting incomplete and inaccurate information.
Product: Checking or savings account

I lost my wallet before the pandemic in XX/XX/XXXX. The transactions in error started in XXXX. I was working off and on doing side jobs at that time so I had steady cash flow, I did not have any reason to use any of my cards. However, The Chimes card, my unemployment card, XXXX XXXX card, etc was in my wallet and the wallet was lost/stolen. I found out that I had unauthorized transactions on all of the accounts when I viewed the online statements involving the missing cards. I reached out to Chime online banking to make them aware of what had happened. I was told that they would file the disputes and that my account would be credited back. I sent a police report to verify that my wallet had been lost/stolen but somehow the police that wrote up the police report forgot to add the other cards that were missing so I sent them the police report that I had. The amount was around five to six thousand dollars based on my understanding that the resolution department disputed thirty-five thousand. I filed two claims this has been going on since XX/XX/XXXX. And nothing has been done about the unauthorized transactions in error. I rebutted the unauthorized transactions as well. I was told today that they could not locate the transactions in error and Chime keeps asking me do I recognize the transactions in error I keep explaining to them no I don't because my wallet was lost/stolen. Chime also, stated that they had cancelled the old card and that when I receive the new card I could call them back and they dispute the charges and that they would credit my account back but that never happened. I want the deposits that went into my account put back on my card
Product: Debt collection

I have been a victim of identity theft, I did not sign a lease with vie towers, no money or keys was exchanged through neither party, and they placed this on my credit report as a joint account, how is it joint when they said i did this? Phoenix recovery told me that if i did not pay the debt they would put it on my credit report after i acknowledged it was identity theft. I'm a young college graduate trying to start my life off right, not by being bullied by Phoenix recovery through XXXX towers, who has a history of doing this to college students. I also sent Phoenix recovery a letter telling them to stop harassing me through certified mail twice.