23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTENTION TO NCA ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company NCA ( XXXX XXXX XXXX ) in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit card

XXXX/XXXX/16 : I spoke with a Chase Sapphire Preferred Customer Service representative about downgrading my card to a no annual fee card after seeing an annual fee appear on my statement. The representative told me that I had a 180day grace period to decide on the change and the annual fee would still be waived, so I chose not to downgrade my card that day to give myself time to decide whether to keep the card or not. 
XXXX/XXXX/16 : Spoke with XXXX ( XXXX? ) around XXXX PST on the Chase Sapphire Preferred Customer Service line to downgrade my card to a no annual fee card within the 180day grace period. She told me that the grace period for downgrades was actually 60 days, not 180, and that this has always been the company policy. Now instead of having the annual fee re-credited to my account, I have only received a prorated amount based on when I downgraded. 
XXXX/XXXX/16 : I called back to see if I could get any more information about the call I made in XX/XX/XXXX and spoke with a CSP supervisor regarding the misinformation, and he told me that there is no grace period for downgrades and that the annual fee would be prorated no matter the amount of time after the downgrade. He also put a complaint from me on file. 

I spoke to XXXX different people and got XXXX different answers, which can make up to a {$95.00} difference on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some inquiries on my report that do not belong to me
Product: Debt collection

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation. I have the letter from the court saying that they are not reporting these kind of things and how come you have reported this on my credit report. Never did I filed for a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX XXXX XXXX opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate please remove this from my credit per my FCRA rights this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off not attempt to collect a debt this information is incomplete and inaccurate
Product: Credit reporting or other personal consumer reports

I would like these inquires remove so my credit report can update accurately INQUIRES XXXX XXXX XXXX XXXX XXXX Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Dovenmuehle ( https : //www.dovenmuehle.com ) is my mortgage company since XXXX sold the mortgage to them in XXXX XXXX 
Since then, payments submitted electronically to Dovenmuehle are extremely difficult to be done. 
1 ) Dovenmuehle website is very confusing and any customer is not given a chance to change the bank account number/routing number any time when the customer finds an error. 
2 ) I have been submitting my mortgage payment for such reason with a Certified mail with a personal check from XXXXXXXX XXXX. I was loosing {$9.00} almost each time to mail my checks plus the money for printing checks. 
3 ) Since this is inconvenient, I decide to submit electronic payment to Dovenmuehle on XXXX XXXX XXXX.Re : Confirmation Details XXXX XXXX XXXX XXXX XXXX 
4 ) I had up to XX/XX/XXXX to submit a payment so I will not be late. 
5 ) On XX/XX/XXXX I called Dovenmuehle and ask why I can not correct my routing number saved at my account. 
6 ) Their Customer service agent told me that I can not do that, but rather I need to double submit another payment of {$2600.00} over the phone immediatly in order to not default my mortgage. 
7 ) I refused and stated that if my payment will not be debited, I will filed CFPB complaint, as it is the fault of Dovenmuehle, not my fault. 
8 ) As of today, XXXX my mortgage payment is still not debited from XXXX XXXX Dovenmuehle is keeping my wrong routing number, even I succeeded to change it online. 
9 ) I believe that Dovenmuehle is willfully doing so, so I will default my mortgage. 
10 ) For the Past 10 years I have not been late even ONCE on any of my mortgages!!! 
11 ) I am concern about the fact that Dovenmuehle do not notify me nor is debited my bank account for my current month of XXXX mortgage. This is wrong! 
12 ) I sent the following email to Dovenmuehle : Why still my mortgage is not debited. I need this completed tomorrow. Confirmation Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' 13 ) I received the following " Confirmation Success! We received your message Your message has been submitted and has been referred to the appropriate area for review. Confirmation Number XXXX ''
Product: Checking or savings account

I dont want to reviews any messages, offers, emails texts from chase. Dont ever contact my by phone or email EVER for anything
Product: Money transfer, virtual currency, or money service

Have been using blockchain.com since XXXX and Im a verify user until on the XXXX of XX/XX/XXXX I got restricted from accessing my funds on my trading wallet and exchange account, then I sent a message via the company support system which they replied in two days time asking me to explain the discrepancy between names which I did and later accepted in assisting with my support ticket. After two days the company responded via email to provide an ID, selfie, written letter, and a XXXX wallet where they will convert my funds to and send it to the external wallet provided which I later did and sent it back to them same day. Now ever since I sent them those details on the XXXX of XX/XX/XXXX have gotten no response from them. Its been more than three weeks without a resolution regarding my case and nothing to the wallet provided. 
Blockchain.com is the name of the company and they still withhold my assets.
Product: Student loan

My student loans have been forgiven and dismissed as part of the XXXX XXXX, XXXX v XXXX case. My loans were fully forgiven per the XXXX website on XX/XX/year>. Over the years my loans were sold and transferred through multiple servicers, ending with Mohela. When my loan was XXXX through XXXX XXXX, I contacted Mohela to determine my refund amount. I have called over XXXX times trying to get a response. Many times I have not gotten an answer, been forwarded to a line that disconnects the call, or received an answer from a representative that says they aren't able to tell me my refund amount due to processing. I have been told amounts under {$XXXX} and amounts over {$XXXX}. Prior to Mohela discharging my accounts and removing my access to my account history, I was able to obtain a document showing a refund due in the amount of {$XXXX}. Mohela denies that this refund is due and I have made no progress in getting updates any further. The XXXX XXXX  XXXX states that this is the responsibility of the servicer. The servicer says they have no records of the refund now that the loan has been XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Equifax, XXXX as well as XXXX about my credit report. I saw a lot of unknown inquiries on my report. Some companies did hard pulls on my credit two or three times without my knowledge. I sent a letter to all three credit bureaus onXX/XX/2019. I still have yet to receive anything from either Equifax nor XXXX. I did receive a letter back from XXXX  and I will continue to dispute with them. 

My Concern is that it has been over 30 days and Equifax and XXXX  has yet to reply. Within the FCRA they have 30 days to respond or else they will have to remove things from my credit report. This is hurting my credit worthiness so I need them to remove these items.
Product: Checking or savings account

Well I was sending my money which was legitimate to pay for property and the bank teller was asking all types of questions as if I was a criminal. This happened on XX/XX/XXXX in the amount of {$500.00} and I was told by the representative that my account was being investigated and will be set up for closure and I would receive a letter in the mail which is taking a long time. She stopped answering my calls. The name of the bank is US Bank.
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 {$750.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX The above sent me a collection notice XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I owe them XXXX for items I ordered in XXXX, XXXX. The bill is addressed to : XXXX XXXX ..XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never have lived in California! I had an account with XXXX several years ago, but I closed it and destroyed the card. Someone has my info and has used it to incur this debt. My home has been in Arizona since XXXX. I am reporting this to you because the collection agents said to report this to you.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 XXXXXX/XX/XXXX
Product: Mortgage

I have owned my condo for ten years now and faithfully paid expenses related to my home such as mortgage, property taxes, Homeowners Assoc Fees, and homeowners insurance policy. Last year, XX/XX/2017, my mortgage had a balloon payment become due and Lender stopped accepting my payments. I did not qualify for a refinance through an outside Lender source and found myself caught in between a rock and a hard place. Meanwhile, I had some medical expenses and fell deeper in financial hardship. 
Ultimately, I have been denied mortgage assistance until I consulted with a Foreclosure Prevention Advocate. The advocate and I contacted my Lender and I was advised that mortgage assistance is a possibility. However, there seems to be a question of whether the Lender has 37 days prior to the sale date to process my request. 

We are told it is up to the XXXX XXXX XXXX ( a XXXX XXXX Trust ) whether or not to postpone the sale.
Product: Credit card or prepaid card

This is the original complaint : My problem is with First Citizens Bank in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them.

After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone.

They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year. 
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months. 

This is my addition : The company stated it issued information regarding the credit card via US Postal.

THIS MAIL HAD THE INCORRECT MAILING NAME ON IT!

I tried multiple times to correct this! I believe at this point it is STILL not my legal name which i attempted to numerous times to have them correct! 
The Name on the mail was XXXX XXXX XXXX. 
THIS IS NOT MY LEGAL NAME! ALL CORRESPONDANCE WITHOUT MY LEGAL NAME EITHER FAILS TO REACH ME OR IS DESTROYED. 
THIS BANK DID NOT CORRECT MY LEGAL NAME ON THE MAILINGS AFTER MULTIPLE ATTEMPTS BY MYSELF OR MY LAWYER.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Experian and XXXX I was first late on my XXXX credit card in XX/XX/XXXX. According to the Fair Crecit Reporting Act late payments must be deleted no longer after 7 years from the first delinquency. So it should be deleted by XX/XX/XXXX, but they refuse to delete before XX/XX/XXXX, in violation of my rights of the FCRA. Ive contacted both XXXX and XXXX XXXX  and they have done nothing.
Product: Credit card or prepaid card

I recently had a XXXX Credit Card closed by Capital One for the reason of " We are closing this account because we have observed activity on your account that is not consistent with our expectations of usage for personal, family or household purposes. '' on XXXX XXXX XXXX. I had a few dispute cases on the account, but it was small amounts, and one large amount. I feel treated unfairly as I have had 2 cards with them over the course of 1 year, built up better credit lines and they dropped both of my accounts for that reason, as well as having no proof provided to me.
Product: Credit reporting or other personal consumer reports

This was paid XX/XX/2024 and the balance is paid because I cancelled the trip.
Product: Mortgage

XX/XX/year> Flat Branch Mortgage Inc sent statement saying Mortgage increase. Their response was because insurance and taxes increased and I mustand have pay it through the mortgage. I asked for policies, laws, underwriter information pertaining to such matter. I stated my insurance and taxes do not have to be paid through my mortgage payments. That's my issue not the mortgage company. I was finally sent a waiver form for property taxes and told Insurance company I will pay my insurance my way and my taxes. Company ignored my requests. Mortgage company reported as late payments due to the increase of taxes and insurance. Took all escrow after I requested them to cease and decise such actions. To no avail... nowvI have been reported as 90 days late and facing foreclosure despite the fact I never missed regular payments of {$1100.00} monthly.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX, Equifax, and XXXX credit bureau regarding the hard inquires on my credit within the last couple of years. I am submitting this complaint because I have contacted all three credit bureaus dispute department via telephone several times to dispute hard inquires that do not belong to me, nor did I authorize these companies to review my credit report. I have disputed the hard inquires on the website on my account. Nothing gets processed or resolved, I receive dispute resolution within hours after filing the dispute online. On the XXXX website under disputes on the members account, it states " Inquiries can't be disputed online. If you believe an inquiry is the result of identity theft, contact us at XXXX. '' I have attempted to resolve this matter several times by calling the disputes department and I was advised that members are not allowed to remove hard inquires on credit reports. All hard inquires stay on the credit report for two years. I am submitting this complaint because there are hard inquires on my credit report that I did not authorize nor belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act, XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX and XXXX XXXX account # 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.
Product: Mortgage

Wells Fargo inserted foreclosure cost on a mortgage that was under XXXX revision and was attached as an amendment to the mortgage. Mortgage was sold shortly after revision was completed. Ballon due from foreclosure is greater than {$50000.00} to inflate the value of the loan when sell the portfolio.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchase two ( XXXX each ) round trip tickets to XXXX XXXX for XX/XX/XXXX vacation. A week later I noticed for transaction taken out of my credit card account. I contacted the airlines right away and they stated that only purchase two round trip tickets and referred me to check with my financial institution. 

I contacted First Tech Federal Credit union since the credit card I used was from this institution. I explained that I was over charged {$420.00} four times when it should only be two charges. I was asked to do file a dispute of the charges which I did. On XX/XX/XXXX I received a confirmation of my dispute # XXXX. On XX/XX/XXXX my account was credited the over charges {$420.00} x 2 while they continue to investigate mean while they asked for documentation which I provided the flight numbers and airline information that I had purchased. I also called the airlines to confirmed once again that they did not have me in two different flights. The airline confirmed that my name only appeared for the only flight. 

I received from notification from First Tech on XX/XX/XXXX that their investigation is concluded and they would be withdrawing the money that was refunded to me on XXXX. 

I am asking for a full reviewed of the ethics of this financial institution whom I have been a member of for over 20 years. During the time I have been a member I had their credit card and never had this type of situation. One of the reasons I used this particular credit card was because I trusted the bank and knew that my purchases are ensured and would not have a problem. 

I appreciate the oversight to this charges. 

Thank you,