23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

[ RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ someone pulled my credit report without my permission. it was 18 hard pulls without my permission on transunion, XXXX, and XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Misc.

XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.

Sincerely, [ Your Name ]
Product: Mortgage

I have been trying to work with the servicing company that I make payment to for my mortgage for a short pay. My home is in an underwater loan situation and I want to offer the company the amount of money the home is worth. The servicing company is Select Portfolio Servicing Inc. I been applying for re-modification assistance with this company since XXXX of XXXX, first they tried to make me lose my home through a short sale ( fraud ) when they knew I wanted to retain the home. They sent someone to appraise my home and I offered them the amount of the appraisal. Each time I apply for assistance they send a letter stating the " mortgage owner '' has denied my request. No other explanations. When I request in writing and over the phone to know who the mortgage owner is on my home they send me documents of the original note which has a lender on it that is no longer in Business. 
So someone owns my loan and is the lien holder but SPS will not give me the name or contact information to this company. 
AS the landowner and payor of the mortgage I have a right to know who the lien holder is. 
I have asked for this information several times in the past XXXX  months and even put a request for the information in to SPS again today. 
They are hampering my ability to communicate directly with the lien holder which is needed in order to prevent losing my home.
Product: Checking or savings account

On XXXX of last year, XXXX I informed Ally bank that I was disputing a XXXX  charge of {$59.00} because the food made me XXXX XXXX XXXX XXXX. The process was frustrating, stressful, and induced XXXX XXXX XXXX in response. 

I told them that XXXX could not do anything about a refund after 2 months. But it went in XXXX XXXX  and out the other. I sent them screenshots of emails from XXXX telling telling me that there was nothing that could be done because after 60 days, they are unable to issue refunds. Ally bank insisted on an investigation that would take 90 days starting on XX/XX/XXXX and it finished apparently three days before XX/XX/XXXX. Saying that the transaction was valid. It's been constant in going back and forth between Ally to XXXX XXXX, from XXXX to Ally bank. I'm tired of being treated as if I'm the XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX on the way to the XXXX XXXX XXXX I'm having them reopen this again because I do not accept their decision. Even XXXX said in an email that it should just be refunded, but apparently they want to hear that from XXXX and I keep telling them XXXX can't do refunds after 60 days. 

Ally Bank was the worst mistake I went with. And I am hoping that you guys or even the NY AG can help get my money back as I've done everything possible, filled out their forms, sent it back through Ally secure message but their delay was the reason why XXXX couldn't refund it and they won't even admit that it was their ( Ally 's ) delay that screwed me over. I have experienced nothing but excessive stress, XXXX XXXX XXXX, pounding in my head from dealing with Ally 90 % through the chat function than over the phone. I went with the Chat option because I wanted transcripts of what they said. But I'm done with Ally. I'm done with their drama, their politics, their gaslighting, their placating, I've had enough. 

I still have all of the emails I have from XXXX and then the received messages from Ally that I can screen shot. When I told them I was going to contact the CFPB and the NY AG, I got the strongest sensation that they thought I was XXXX.
Product: Credit card

The account I have with Affirm has been hacked. Someone has changed the contact information in the account an has made charges to the account for over {$3000.00}. I have tried to get the information changed back but the will not talk to me because the phone number that is on the account is no longer mine. Even though I can answer all the other security information and give XXXX loan information. I have sent in pictures of my Goverment ID on XX/XX/year> and on XX/XX/year> and both times they have declined to verify me. The phone number for the US customer service no longer works. I have sent emails multiple times and have never got a reponce. 
I do owe them {$950.00} for what I had opened the account to buy. But they have made it so I have no way to access the account to pay this off because I can not access or call them to pay this off
Product: Credit reporting or other personal consumer reports

the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681o for negligence and non-compliance. XXXX XXXX XXXX XXXX XXXX XXXX lot XXXX XXXX Florida XXXX XXXX Subject : Notice of Dispute and Legal Non-Compliance under 15 U.S. Code 1681o Dear CFPB : I am writing to formally dispute and address negligence on your part in complying with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which governs civil liability for negligent non-compliance. The issue pertains to credit reporting problems with XXXX, Experian, XXXX XXXX and XXXX XXXX. I believe your actionsor lack thereofconstitute a negligent violation of the FCRA, resulting in [ specific harm, such as financial loss, emotional distress, or damage to your credit report ]. Facts Supporting My Claim : 1. Incident Details : I have reported to all 3 several times about problems with credit report, such as misinformation fraud and unknown open accounts in my name fraudulent and closed accounts that were sold off to debt collectors or paid and agreement with company only to still be showing on open and unresolved on my credit report 2. Your Obligations Under FCRA : As per the FCRA, you are required to correct inaccurate information, conducting proper investigations, oand or maintain compliance with reasonable procedures. 3. Failure to Comply : Despite my initial dispute letter/calls, you have failed to investigate or correct the issue. My Rights Under 15 U.S. Code 1681o : Under 1681o, you are liable for actual damages resulting from your negligence, including attorney fees and court costs, should legal action become necessary. The law obligates entities to act with reasonable care in ensuring the accuracy and proper handling of consumer information. Resolution Requested : To resolve this matter, I am requesting the following : 1. Immediate correction of specific issue including removing negative and fraudulent accounts and correcting my credit report. 2. A detailed explanation of the actions taken to rectify the situation. 3. Compensation for damages incurred due to your negligence, as outlined under the FCRA. If I do not receive a satisfactory response within 30 days, I will be compelled to escalate this matter, including pursuing legal action to enforce my rights under 1681o. I trust that you will treat this matter with urgency and take the necessary steps to address the negligence. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit reporting

Experian is reporting wrong information regarding credit inquires that I did not authorize. Experian is the only credit bureau reporting this information.
Product: Debt or credit management

Contacted Midland Credit Management on XX/XX/year> about settling debt from a credit card charge off from XXXX XXXX XXXX. Set up payment plan for XXXX XXXX  every XXXX  to be drawn from my checking account they only have taken XXXX payment that finally was processed the following XXXX  on XX/XX/year>. The next XXXX  came and went which would have been XX/XX/year> and no payment was processed. The next XXXX  came and went which would have been XX/XX/year> and no payment was ever processed. Contacted Midland Credit Management on XXXX  XX/XX/year> about payments not coming out of my account and they stated it took XXXX to XXXX business days and its been well over that since payment should have been processed and they set up payment plan again in case there was some type of glitch and I tried to make a XXXX dollar payment on Monday XX/XX/year> and they stated it would be drawn from my account same day and it is now XXXX and payment still has never been withdrawn from my account. I want to pay this debt but no feel they are being deceptive and trying to void payment plan by not taking payment from my account so they can say I missed payments. Please help as I do not want this issue to go any further as I have tried to pay debt but they refuse to take the payment.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC reports this account ( {$870.00} ) as a duplicate.
Product: Mortgage

I am attempting to go through a short sale for my home for loss of income. Since XX/XX/XXXX i have received nothing but the run around from Bank of America. My agent and I have spent months submitting repeated paperwork that they have asked for. I have a cash offer for my home. Only to have Bank of America switch their negotiators on my agent and I twice, also having to start from scratch. We are now with a third Bank of America negotiator, who continues to ask for the same paper work over and over. She will only contact my agent through email and will not return her or my calls. If their has been any miscommunication, it could have been easily handled with a simple phone call. We have no way of speaking to a supervisor even. My house as been up for auction 3 times and was cancelled. Most recently, the negotiator gave us until XXXX to resubmit corrected paperwork that had already been corrected and re-submitted by my agent but the negotiator claims to have not received. By XXXX XXXX on XXXX she had already emailed my agent a rejection letter via email, not giving us until the end of day. Between the repeated documentation, corrections, threats of foreclosure and no Bank of America supervisor to escalate to, this has been highly stressful and I feel Bank of America is unfair in their practices.
Product: Debt collection

This company northwood asset management has repeatedly contacted me and other 3rd party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.
Product: Student loan

Nelnet refuses to accept a document I uploaded as proof of my income for XXXX. I provided a w-2 for years XXXX, XXXX, XXXX. My w-2 for XXXX was taken by my ex husband for filing taxes. He would not return it. I called XXXX and nelnet and was told that a screenshot of my year end pay sub would be suitable as well as something as simple as writing my total gross income a plain paper and sending it to nelnet/XXXX. I sent a screenshot. I also filled out the financial disclosure letters as requested. Nelnet has refused to accept my gross income statement from XXXX even though I was told any proof was acceptable. My loans went into default and my XXXX tax return has been garnished. I feel I have provided acceptable proof for all 4 years and no one I talk to will help me. I consider this abusive and dishonest by nelnet advisors. There is no way to upload documents directly to XXXX website, only through Nelnet. Obviously they share the files because XXXX  can view them but still refuses to accept my income statement for XXXX
Product: Mortgage

We forclosed on our home 6 years ago. Have made our payments on time, never missed a payment. Now 6 years later citimortgage send us a letter stating they need hazard insurance. Made multiple phone call to try and tell them we do not want to pay for insurance on a house we do n't live in. Every time we call we are told they will investigate. Well as of today Citibank purchased insurance that they are now adding to my account. By the way they said my previous insurance expired XX/XX/2016 which is not possible. Would love anyone at Citibank to look into this I mean look cause obviously the investigative work did nothing. # XXXX
Product: Credit card or prepaid card

OnXX/XX/2019 at XXXX my credit card was stolen from my car. I called in to file a claim and lock my card. The thief made a change of around {$250.00} on my card at a Walmart. I disputed this claim right away. Capitol one gave me back the money at the time but shortly after, charged me for the thief 's shopping spree. I made a second claim but after days of disputing i was told to take the product back if i wanted my money back. Obviously as i was robbed, i do not have product to give back. I have video footage of my car being broken into on that day and time. The charges were made roughly an hour after my card was stolen.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with Moneylion. The stipulation of the loan was to sign up for membership pay a monthly fee and also have money going to their investment account. You could not cancel the membership if you had an outstanding loan and if the loan needed to be repaid or money is owed it can be wthdrawn from the investment account to to resolve the balance as a security. 
The balance in my investment account was approximately {$390.00}. {$260.00} was removed from my investment account with MoneyLion to pay off the outstanding loan. I had a remainder of approximately {$130.00}. There were membership fees that were passed due that could have been paid with the {$130.00}. However it was not. In fact, it shows {$130.00} was withdrawn from my account and was not applied to any balances. I even had to block my account for MoneyLion because they were still attempting to withdraw money from my account for the membership when the loan was clearly paid off and money was in my investment account. 
I then get a notification on XX/XX/XXXX from several monitoring services I have that advised I have a MoneyLion account that is delinquent 120 days. I called MoneyLion and they advised that it was a due to the past due membership fees. However, if the {$130.00} was correctly applied to the fees this would not have reported on my account. I called MoneyLion on XX/XX/XXXX immediately and the representative had no explanation of why the {$130.00} was withdrawn from my investment account and not applied. In fact, the money has been withdrawn and could not be traced to where the funds went. 
The fees were eventually waived by the representative in the amount of {$110.00}, which is clearly covered by the cost of the missing investment funds. 
I was supposed to receive an email on XX/XX/XXXX stating that the fees have been waived and I was supposed to be sent another email advising that the funds are forfeited from my investment account in order to cover any left over balances owed to MoneyLion. I received two emails from MoneyLion about this procedure with one in XX/XX/XXXX, but a mass email delete had to be performed on my email account because it was too full and this was part of this purge. At this time, I have not receive any of this documentation and I know there is electronic tracking of email sent to their consumers. I could not cancel the membership via their website and I had to call to have my membership cancelled.
Product: Money transfer, virtual currency, or money service

I logged in to my account on chase.com XX/XX/2021, followed all instructions and provided all requested information ( including verification ) and made wire transfer to XXXX XXXX XXXX hours later I received a email from Chase.com on XX/XX/2021 informing me that my wire transfer had been cancelled. On XX/XX/2021 I called the number provided in email from chase.com, as instructed, to prevent further restrictions on my account. I spoke with chase customer service reps who claim to be in US, but also claim they are unable to fix the problem, instruct me that I need to go to branch location and speak with someone in person. I was transferring, by wire, {$220.00} to XXXX ( a cryptocurrency company that does business with chase and provides specific instructions as how to transfer money specifically from a chase bank account. I was transferring money to purchase XXXX. While I have been trying to regain access to my chase.com bank account, which has been restricted due to the wire transfer being cancelled by chase, the price of XXXX has risen, which in turn has reduced the profit I would have made had I been able to access my funds thru chase. Now I am being made to wait additional fays and the price of XXXX continues to rise. Chase bank has prohibited my investment and has caused me monetary losses due to this. This should not have happened after I successfully completed verification and all required wire transfer steps requested of me by chase.com. I would like to sue chase bank in small claims court for loss of income.
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 I deposited {$800.00} to buy cryptocurrency. I was told to wait 15 business days before withdrawing. On XX/XX/XXXX I decided to withdraw my funds and there was an error ( Said that I had a read only account ). I reached out to customer service on XX/XX/XXXX to get help. They asked for a copy of my identification and a selfie to prove my identity. I sent it in. They asked for it again on XX/XX/XXXX. I sent it in. They asked for them all in one picture on XX/XX/2021, I send that in on XX/XX/2021 and they stopped responding. I wrote them no less than seven times asking for an update in the status. I wrote them again on a new thread which issued me a new trouble ticket number. I was told by one customer service person to try to delete the app and re-install. I did and reported to them that it didn't work and they have not responded. I looked online to check to see if anyone else has been having problems and there were 5-10 people who were all having problems withdrawing their funds from FTX/XXXX. As of my understanding, no one has been able to recover their funds. Each of us has deposited enough to be worth tens of thousands of dollars in the near future. 

Please note the link : XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have XXXX $ initial deposit XXXX $ of interest stuck in a Citizens Access Account. Without giving me any information, Citizens has removed my ability to extract my money, or close my account. 

XX/XX/XXXX : Opened Citizens Access Savings Account, transferred XXXX $ as an initial deposit from my XXXX XXXX XXXX XXXX ( Direct Debit Payment ). 

XX/XX/XXXX : Tried to deposit more money into Savings Account. Error " Sorry, we can't schedule your transfer right now. Please try again or give us a call at XXXX. '' I called the number. They told me that they have terminated the account, without giving any more information. I had not received any notice of the cancellation via email or post, and have not to this date. I did not follow up, thinking theyd just transfer back my money eventually, which wouldve been fine with me. 

XX/XX/XXXX : No transfer has occurred. The account is still accessible via the online portal, but I can not extract any funds. I called XXXX again, wanting to close the account myself. They told me again that they have terminated the account ( without more information why ). They told me to transfer out the money I need my own bank to send a ACH Reversal Request or a Hold Harmless Letter. I contact my bank ( XXXX ). XXXX can not reverse the ACH transaction ( since its 4 months old at this point, and the transaction was valid ). XXXX has no clue what a Hold Harmless Letter is, and they can not send it. To further complicate matters, XXXX has switched their XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) so my XXXX XXXX  XXXX number has changed. I added my XXXX XXXX account as the link account to the Citizens savings account. 

XX/XX/XXXX : No transfer has occurred. I called Citizens again, telling them that my bank can not send these letters, as its not possible. Citizens can not give me more information. 

XX/XX/XXXX : Called again, same outcome. I was told they're opening a ticket and will call me back. 

XX/XX/XXXX : They call me back, just to give me same information that I've been told before, about the ACH reversal / hold harmless letter, and without any information as to why my account was frozen. I checked Citizens document center and found a notice of account freeze dated to XX/XX/XXXX ( notably, the freeze is dated before the notice of account details, which I received XX/XX/XXXX ).