23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I noticed my Chase Bank account had been used for several unauthorized atm transactions. I called chase and made a claim. Chase reimbursed my money. 2 weeks later chase takes the money back saying they have denied my claim. I call chase several times roughly 15 times to find a resolution. I was informed someone use my card and pin for withdrawn roughly 6-700 . Chase is asking me to prove it was not me which is basically impossible. I've never used an atm 6 times in a row. I've never been to this location. I'm a 10 year XXXX veteran currently on vacation out of country with severe XXXX. This is really stressing me out please help.
Product: Mortgage

I was listed on a refinance that I have not been on the deed for since XX/XX/year>XXXX
Product: Credit reporting or other personal consumer reports

I recently check my credit score and found accounts that I have never signed up for. these accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX  XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance XXXX {$8.00}, XXXX XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance XXXX {$320.00} XXXX XXXX XXXX XXXX  Balance : {$8100.00} XXXX XXXX XXXX XXXX  Balance : {$6400.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  Balance : {$8000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

I have paid off my XXXX XXXX consumer loan accounts, XXXX and XXXX. It 's been over 5 months ( XXXX ) and 2 months ( XXXX and XXXX ) and the credit bureau still shows a balance. The creditor has sent me letters stating that all accounts have been paid in full but the credit bureau still decides to report inaccurately. I want to sue this company and seek damages. 

Please help me anyway that you can to bring this criminal company to justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B. A creditor may not treat a payment on a credit card account plan as an open and consumer credit plan as LATE for any purpose.
Product: Credit reporting or other personal consumer reports

I have disputed and sent notices on this matter and Experian have refused to correctly report accounts. I have a XXXX  XXXX account XXXXnot showing on my consumer report which is causing inaccurate and misleading reports. This is damaging as it creates a false narrative. The consumer reporting companies by law must accurately report and must correct any errors brought to their attention per the FCRA and XXXX. Account listed as XXXX XXXX with account number XXXX is not showing that I am an authorize user on this account. XXXX XXXX has already confirmed that they have reported account information to consumer reporting companies monthly. I believe the consumer reporting company is blocking this account and I need them to not block this listed account.
Product: Credit reporting or other personal consumer reports

I recently called the company CREDIT ACCEPTANCE CORPORATION to obtain a wet signature of contract to verify they the debt was mine I received no response. I filed a CFPB and FTC complaint with the company. I receive nothing. They deleted from 2 credit bureaus expect one! They are damaging my credit which is a defamation to my character! They have not supplied the credit bureau or me with any verification. They have violated numerous laws! I am Demanding Deletion from my consumer report or else I'm going to pursue litigation. Ive called this company numerous times all I get is hung up on. previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". failing to comply. ask for the bookkeeping entry and the chain of title for the debt never received it. Ive been disputing this company XXXX  years! Ive sent letters after letters. Removal of inaccurate invalidation XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted XXXX XXXX XXXX and made a payment arrangement with them. I made the first payment. They only reported the new balance and did not change the remarks on the account to " paying as agreed. '' FDCPA requires creditors/collectors to report only accurate information. Despite me paying, they are hurting my FICO by only saying 'placed for collection ' when it is actually being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; PA XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX  XXXX  XXXX Balance Owed : {$460.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I went into America First Credit Union and requested stop payment for 6 different payday loans and two of them still processed. 

I am now - {$570.00} in my account and I need to be refunded. How do I proceed?
Product: Vehicle loan or lease

Ally Bank, was the bank I have my XXXX XXXX Financed, and was paid off on XX/XX/2015, has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address, these address do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I found inaccurate information on my credit reports and sent disputes to all 3 credit bureaus ( XXXX, Equifax and XXXX ) by certified mail. I also included copies of my drivers license, Social Security card and proof of my address. I received the certified copies back dated XX/XX/2018. I understand its Federal Law that the credit bureaus have 30 days to verify the disputes and answer back to me. XXXX is the only company who has responded and removed the disputed items I asked to be disputed. As of today XX/XX/18 XXXX  and Equifax both refuse to follow the law and answer my disputes. I will include all information and copies of certified receipts.
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, XXXX XXXX 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 a account without my written instructions
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 privacy and confidentiality under 15 USC 1681 XXXX XXXX  XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX  XXXX - Account number : 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 a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency make 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 XXXX  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
Product: Checking or savings account

I was falsely accused of trying to cash fraudulent checks, as a result my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

N According to the fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A States 2 : It also states a consumer reporting agency can not furnish an account without my written constructions.
Product: Student loan

Last year before XX/XX/2017 I was making payments of XXXX per month to A CD STUDENT LOAN. Due to a medical hardship I have been on an income based plan for one year of XXXX $ payment meaning my principle would have accumulated around XXXX plus interest in one year. Last week around XX/XX/XXXX I got my first letter from Navient that they now had my loan with no previous warning saying my payment was due on XX/XX/XXXX for XXXX. How is that possible? That is an increase of XXXX more per month or XXXX more in the same 10 year period I was paying on before. I called them and ask them to explain that and all they did was give me the runaround. I need answers and I am scared. I was been on a forbearance before for a year and my monthly payment only went up around XXXX. Please help me.
Product: Bank account or service

I received a letter in the mail informing me that my account has been overdrawn {$330.00} for 42 days. I logged into my account and noticed that Wells Fargo allowed multiple withdrawals from third-parties when my account only had a few dollars left. I opened a new checking account with a different bank last year due to their overdraft fee class action lawsuit. I had no idea they would authorize continuous transactions after the first attempt failed then charge me NSF Returned Item Fees until they rack up then send me a letter about collecting a debt. This has put me at odds with Wells Fargo and I do n't even want to be their customer anymore. I have used their services ever since my old bank ( Wachovia ) was acquired by them, and while I 've had a few bad experiences in the past, this particular incident is much larger.
Product: Credit reporting or other personal consumer reports

I suspect identity theft has led to unauthorized accounts on my report. Please remove and block these fraudulent additions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased XXXX XXXX XXXX XXXX XXXX  from XXXX, XXXX CA XXXX XXXX. Purchase financed through XXXX XXXX, XXXX. I have been battling with XXXX over title documents. The dealership has failed to provide necessary title documents to transfer title and lein holder. In XX/XX/XXXX XXXX sold loan back to XXXX. I never missed a payment, or been late. XXXX has reported this account as derogatory. The account is closed paid as agreed. The transfer of this loan has nothing to do with me or my standing under the contract. I have disputed 3 times with Experion and twice with XXXX XXXX. The payment schedule in my report remains inaccurate as well as remarks and account status. I am on the verge of financial ruin due to XXXX false reporting.
Product: Credit reporting

Please have equfax update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney
Product: Credit card or prepaid card

My accounts was closed as a result o f Card Security igno ring my requests. I received a letter from  XXXX   XXXX  which never addressed the closed accounts and the effect that It had on my credit. I also uploaded the fax confirmation s to Card Security sh owing that the information was sent and was received without error. You addressed all the open accounts but never addressed the ones that was closed when you consider I submitted this information  to Card Security at t he beginning of  XXXX /2016 and it took them months to pay. To date they have not paid  the Belk  ending  XXXX  and I have submitted t his information to them repeatedly to no avail. TJ Maxx was closed as well as a few other accounts. You did a partial research into this matter but I need the date my information was submitted the FIRST time   to Card Security and the time it took them to process my information. I have the fax confirmations to prove that it was sent to them but they claim to never have received it and did not proce ss it until my accounts were closed. They had a month to process my claim and nothing was done! I do n't know if I am a liability that they did this for my account to close or not but I think it is somewhat suspicious.
Product: Checking or savings account

My father passed away in XXXX, 2017 and I have been charge for his credit card from CAPITAL ONE. I never pay attention to detail on my bank statement. When I looked up my latest statement, I saw the charge on my statement from CAPITAL ONE credit car and I spoke to my bank ( XXXX XXXX XXXX  ) to do the stop automatic payment and they said that they can not do it. It has to be done by CAPITAL ONE. When I looked up the law for the stopping automatic payment, it says that BANK ACCOUNT HOLDER CAN REQUEST TO STOP THE AUTOMATIC PAYMENT. After that I requested to fraudulent payments and they said they can not return the money back since it is automatic payment but I told them it is fraudulent payment and been going over past few years in small amount. My bank says that I have to reach out to the Capital One and when I called Capital One, they said that I have to reach out to my bank.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I am not informed about this matter, and the company proceeded without my approval.
Product: Mortgage

Hi Dear CFBP Team, My name is XXXX XXXX. Recently I got affected due to the natural disaster in Florida and you help me getting a plan with Ocwen to pay the amount of {$1900.00} for a period of 6 months ( XX/XX/XXXX XX/XX/XXXX ). I recently sent a payment and Ocwen voided. So I called Ocwen today XX/XX/XXXX ( XXXX / agent XXXX ) and they said that because I was 48 days behind they proceed to cancel the plan and now they are requesting me to pay the 6 months all at once. I asked them why they did not informed me any of this and they said that the plan closed automatically and that they do not inform about this. So, I asked them to reopen the plan they said they can not and that I have to pay 6 regular months to put my house up to date. 
Obviously they are aware of my situation and there is no intention to help me. It is true I was behind few days but I sent the payment and they rejected. 
I really appreciate your help to this matter. 
Kind regards, XXXX XXXX Ocwen Acct # XXXX
Product: Student loan

I submitted claim XXXX in regards to Nelnet. The response was payment was sent to XXXX on XX/XX/XXXX but no proof or confirmation of any kind was provided. I cant track down the payment with XXXX without some proof of payment from Nelnet.