23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Currently my mortgage lender Loan Care parents company XXXX XXXX XXXX has undergone a cyber attack based on public reporting. This issue is payments are officially due soon and the providers website and phone payment service is non operational. Further complicating the problem is that no official notification or instructions on what to do for the upcoming XX/XX/XXXX payment have been made. This problem has been going on for almost a week and nothing has been provided from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE- XXXX XXXX XXXX Account # : XXXX XXXX XXXX Under the FDCPA ACT, and my rights FCRA Ive involved these accounts in civil litigation against these credit Bureaus for unauthorized and Fraudulent actions concerning these accounts on my credit report.The credit Bureaus are constantly in violation of my consumer right of not sending documentation of non verified debt for non permissible purpose under section XXXX & XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

To brief you about what is going on, I received my federal income tax return as a direct deposit into my Venmo account on XX/XX/XXXX  it was for over {$20000.00} leaving my account total at {$20000.00} on XX/XX/XXXX  Venmo froze my account & asked me to upload my government issued photo ID. I did just that. The next morning I received an auto generated email saying that my account could not be activated & that Venmo would hold my money for 180 days ( 6 months ) I was not able to spend nor transfer a single dollar from my account before my funds became frozen & in the email it said that I violated terms of use, I have called multiple times & spoke with supervisors about my funds, they all review the transaction on my account and tell me the same thing that they cant see any unusual activity on my account that would cause it to be frozen, let alone my funds to be held for 6 months. Those funds were deposited to me from a notarized XXXX XXXX XXXX XXXX XXXX XXXXXXXX as you can see on my account. I have waited almost 2 moths to receive my funds, I have been gettin extensions on my rent & also bill payment & when I finally received the funds Venmo freezes my account and says its holding the funds for 6 months. Thats unfair to me as a consumer & totally unfair & unjust to me as a person. Every time I spoke with some one on the phone they tell me that the department that is handling my case does not take calls or direct emails, & when I receive an email it blatantly says not to respond because it wont be answered. Who am I supposed to speak to about my funds. It seems my money is being stolen from me by Venmo. They have not provided any details about a user violation that they claim took place on my account nor a clear line if communication about my funds they are being bullies. Please help me to get my funds. I have studied the terms and user agreement and as far as a direct deposit of a federal income tax return I have not violated anything. Its my same name XXXX social security # just like they stated in the user agreement. Before the deposit my account was fine now that funds have been deposited its frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2020, contacted LVNV Funding about a collection they have posted to my account in the amount of {$870.00}. Upon further research this account was transfered/ sold and I am no longer responsible for this account Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signiture for this accused debt at all. A bill without a a signture does not validate the debt and body can send a bill and say that it is mines. Accroding to the FCRA ( Fair Credit Reporting Act ) LVNV FUNDING has violated my right as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

I am a consumer. There is not a third party representing me. I have explained to Experian that I am not liable to pay this debt from XXXX XXXX XXXX, they inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company XXXX XXXX XXXX has failed to produce any evidence that I am the rightful owner of this debt with them. I have explained this to Experian as well as sent proof ( attached ) of a fraud affidavit from the FTC and a police report AND the affidavit from the FBI. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked XXXX XXXX XXXX to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! Experian has received all of this information and they are knowingly still reporting that I owe this debt on my credit profile. The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. Experian is in violation of several laws. This is a defamation of my character and damage to my financial life. As a citizen I would expect the very least and as a veteran I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that Experian immediately and PERMANENTLY delete this information on this debt that I do not owe and discontinue reporting.I do not owe them and they are in several violations of the FDCPA and Experian is in violation of the FCRA. I demand that Experian delete this stated fraudulent debt from my credit profile immediately.
Product: Checking or savings account

I am a victim of identity theft. Several years ago someone broke into my office and stole several identity documents. I filed a report with the building when it happened and filed a police report after I found that my documents were being used to open accounts in my name. I found that leases in different states were opened in my name with utility accounts, cable accounts and phone accounts also opened. I've attached a copy of the police report and copies of letters sent from apartment complexes that executed leases in my name that I had to dispute, along with letters from other banks that opened accounts in my name and found that it was not me that opened them.
Product: Prepaid card

I tried to withdraw money using my Money Network ATM card around XXXX XXXX  at XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX  but the ATM machine was not working so I tried to withdraw an amount at XXXX  XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. However, the machine stated that I already exceeded the transaction limit for the day which is inaccurate. I then tried calling the Customer Service # at XXXX but there was no response. I made one last attempt to withdraw from XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX but the machine stated it was declined by the financial institution. I called the Customer Service number for Money Network again but I was not able to get some assistance. I did not even receive any e-mail notifications regarding declined transactions which MONEY NETWORK usually does.
Product: Vehicle loan or lease

On XX/XX/XXXX, my vehicle was repossessed by my finance company Santander Consumer USA. They stated that to reinstate the loan and be able to retrieve my vehicle I had to pay {$430.00}. After two weeks, I began to make attempts to payments. One such payment was made via my bill-pay with my bank, XXXX. I was subsequently told that that payment would be " bounced back '' as an account in this status, the only acceptable payments were via a debit card, XXXX or XXXX XXXX. I then scrambled to pay an additional {$1000.00} to replace the {$1000.00} that Santander stated did not count towards the {$4300.00}. I was able to pay the {$1000.00} and when I did so on XX/XX/XXXX, I was told that I had to put a stop payment on the {$1000.00} via my bank. I attempted to do so via XXXX and the payment stated that it was " pending '' however, Santander Consumer USA retained the {$1000.00} in spite of this and therefore retained {$5300.00} before releasing my vehicle. I requested that they return the {$1000.00} as this created a hardship and I would not be able to pay my mortgage as a result of this misinformation. On XX/XX/XXXX, I was to make the XXXX payment on my account and I have not yet heard from Santander as to the status of my request as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a report with XXXX  and XXXX  on two accounts they are reporting on Discover and XXXX Mortgage both accounts are Fraud. I  send documents to both XXXX  and XXXX. They are both violating my right under tile 15 The 609 letter was sent to both companies on XX/XX/18 XXXX.
Product: Debt collection

XXXX/XXXX has been trying to collect on an account on my business that is for an account that was at a previous address and the account was closed and the phone lines moved to another provider, yet XXXX/XXXX continued to bill me at the old address. I have talked to them multiple times and written letters stating this and they have agreed that it is incorrect. They have since turned the account over to collections with access Receivevables who continues to call and pester to collect this, even though I have also written to them asking for verification, which they have not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. At that time I wasn't sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I don't know where they came from please remove them as well 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  . I have reached out to the FTC and my local police and I am doing this on my own behalf.
Product: Checking or savings account

To Consumer Financial Protection Bureau ( CFPB ), I am writing to seek assistance regarding an issue with Chase Bank. In XX/XX/2023, Chase closed my account without any prior warning or explanation. The funds in this account were significant to me, comprising my tuition and living expenses, transferred by my parents from an overseas bank. 

After the account closure, I visited a Chase branch to inquire and was informed that the bank would return my funds via check. However, after waiting for a month and following up multiple times, I received conflicting information about the investigation and the status of the check. Nearly five months have passed, and I have not received my funds. 

As a student without an income, these funds are crucial for my tuition and living expenses. The lack of access to my money has placed a significant burden on me. 

I respectfully request the CFPB 's intervention in resolving this matter with Chase Bank. I need the funds returned and an explanation for the account closure. 

Thank you for your time and assistance. 

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

I reviewed my credit report on XX/XX/year>, and noticed unauthorized inquiries. I need these inquiries removed. When I contacted Equifax about the hard inquiries, they were unhelpful and seemed skeptical even though I had already filed an FTC report. However, when I spoke with XXXX, they were more cooperative and put the inquiries under dispute, making the process easier. These unauthorized inquiries are affecting my credit, and I want them removed.
Product: Credit reporting or other personal consumer reports

I never had a account with this company. Never applied for anything. Now they saying I had an account back in XXXX. I never applied for this account either. I didn't even notice it on my report because it is closed. I need both of these account removed from my report immediately as this was never me. Every time I call its a different story. The very first time I contacted them they sated I did not have an account with they after taking my information. 

XXXX XX/XX/XXXX TBOM/FORTIVA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received A letter from LexisNexis advising me that the Security Freeze on my Consumer file I requested was in place. Consumer # XXXX Case # XXXX. So today XXXX XXXX I was highly disappointed to received a letter from XXXX XXXX advising me that my application was denied Due to Information that they had acquired form LexisNexus even though I had a Security Freeze in place. Lexis Nexis has violated my federally Protected Rights under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) also 15 USC 1681 ( b ) 15 USC 1681 Section 604 states A Consumer Agency can not and shall not furnish A Account without my writtem Instruction.
Product: Credit card or prepaid card

I HAVE TWO CAPITAL ONE ACCOUNT NO.XXXX, BECAUSE THE NATION EMERGENCY ( COVID-19 I HEREBY REQUESTS BOTH ACCOUNTS BE 1099-C DEBT CANCELLATION WITH I.R.S.TODAY AND CEASE ALL CREDIT REPORTING PLUS REMOVE ALL HARD CREDIT PULLS OR WILL FILE SUIT.
Product: Mortgage

I started the process of a short sale on my home in XXXX 2015. I hired a reputable real estate agent and we got a contract. The lender is refusing the offer and insists on an unreasonable and unrealistic price for the house. When we asked for the basis of the figure they proposed for the sale they refused to answer. Now, they 've served me with a second set of foreclosure documents falsely indicating that they have never received an offer and the last time they contacted me was in XXXX 2015. My letter to them is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit card

account was closed but they can not provide a reason why or allow me to try to get it reopened. there is a negative balance on the account ( I am owed money for a credit that hit the account after it was shut by them ) I have contacted them over a month ago see what they can do and they said they would be sending out a check for the amount but it never arrived.
Product: Credit reporting, credit repair services, or other personal consumer reports

By their own admission LexisNexis failed to respond to my dispute in the 30 days provided as per FCRA. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer LexisNexis, as stated in their last communication with me said in Case Number : XXXX " LexisNexis accidentally failed to send XXXX XXXX a follow up letter requesting him to contact our consumer center to provide the additional information that was needed. '' This violates the following FCRA regulation : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed an unknown individual to access my Experian account, change my email address and to access my personal financial date to include my social security number. Experian did not try and contact me via email to inform me that my email address had been changed. 
When I found out about this, I contacted Experian and their response has been less than adequate. Experian has outsourced its customer service function to the XXXX, and even after I spoke with a supervisor named XXXX, they were at best rude. 
The individual who accessed my personal information made several attempts to obtain credit, but was so far ineffectual. However, my XXXX score has dropped from XXXX to XXXX. 
I want to bring legal action against Experian because of this. I did record my conversation with Experian and can provide you with a copy of the recording. 
My name is XXXX XXXX. Currently I am living in the XXXX, but because of this I will have to return to deal with this financial catastrophe. My email address is XXXX. My cell here in the XXXX is XXXX.
Product: Mortgage

On XX/XX/2020 I contacted Bank of America which holds my Mortgage to find out how much is my Escrow Account is in the negative so I can bring it currently for my mortgage to be lower. After being on hold for over 5 hours and giving up, no one ever came to the phone and I hung up. After calling on numerous occasions, no one had information, and when a Representative DID come on the phone he tried to get me to refinance my Mortgage, which I already have a locked-in rate and told me the only way to " fix '' the problem with my Escrow account was to refinance with them. This is untrue. I only needed to know how much was my account in the negative, so my payment could be lowered, which I was told by a loan officer could be done. this Representative whom I was transferred to was from the refinance department, to no surprise, told me something different. 
If these sharks are going to continuously deal scrupulously with customers, there needs to be an investigation into these deceitful practices. Upon telling him, I was complaining, he then had the correct information for ma and prceeded to tell me, he mispoke.
Product: Mortgage

I took out a credit line mortgage in  XX/XX/XXXX with Citibank. Citibank issued a satisfaction of mortgage that was filed releasing the mortgage but does not understand that I am unable to complete the short sale of my property unless they release the judgment lien they filed against the property in  XXXX . I have an approval to close on my sale. However, the Title company advises I must have a release of the mortgage and judgement lien. The judgment lien is for the credit line mortgage which Citibank issued the satisfaction for. I have tried to explain this to the customer service dept, but no one understands and keep sending me the same document.  <P/> I have attached a copy of the original credit line documents and the judgment filed with the court. I simply need a release of the judgment lien which releases the same credit line mortgage, I was issued a satisfaction of mortgage for. Please see attached.  <P/> Time is of the essence on this matter. Please help me.
Product: Debt collection

A few weeks ago I had an Alert on my credit report saying that I had XXXX new collection accounts from National Credit Systems. After reaching out to the company they informed me that they mailed a letter 5 times to a known bad address. When asking them why I was not alerted they said they tried but they had XXXX pieces of returned mail. So, with further concern I hired a private investigator XXXX XXXX XXXX XXXX to find out that they were advised to send it to the office of XXXX XXXX XXXX. XXXX XXXX XXXX had the proper address to forward any and all correspondences. I have emails to substantiate this claim. I also have proof that I was sued and paid the bill in full! They are trying to collect a debt that is no longer valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is information that on my consumer report that is a result of identity theft I did not provide written permission or instruction for identify transaction to be reported on my consumer report I'm requesting that the reporting of this information be blocked and deleted My request to block is not being made in error nor is it a request to block being made in the basis of material misrepresentation of the fact by me relevant to the request to block the identify transactions. The identify transactions are not in formation related to any transaction by me as the consumer.

You are required to do what I'm asking and block these transactions from being reported to my consumer report within Two days of the day of the receipt of this notice I look forward to your response.