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

I am writing to formally dispute the inaccurate student loans showing on my credit report, and I believe it is essential to address these issues promptly. 
I request that you immediately delete and block all the student loans from my credit report. This incorrect information is damaging my credit score and impacting my ability to obtain credit at favorable rates. 
Please note that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). I have the right to accurate information on my credit report and to dispute any inaccuracies. 
I urge you to investigate this matter thoroughly and expeditiously, and to notify me of your decision within 30 days as required by the FCRA. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have asked American Express to stop calling me numerous times and in written form. A legal group called XXXX and XXXX is suing me on their behalf. I have asked American Express 's legal representation to stop the calls but they continue to call me almost every day and claim that it must be about something else. They do not leave a message or provide any contact details. They just call and call and call. I am getting numerous settlement offers from American Express via mail and email but their lawyers claim they don't know about them. This is a huge and frustrating mess and I just wish they would stop calling me and harassing me every day.
Product: Mortgage

In late XX/XX/2020 I contacted Owning Corporation to inquire about refinancing my home. They were advertising a 1.75 15-year rate that I was interesting in. After agreeing to move forward based on the information XXXX XXXX XXXX Owning ) provided I was told by XXXX that some rules would change on XX/XX/XXXX and they needed to charge me more money than originally quoted. After talking to XXXX and thinking about it, I emailed XXXX on XX/XX/2020 stating " Regardless of why the terms are different from what we discussed over the phone and you reviewed with me, I'm not comfortable moving forward. Please cancel my refinance with Owning. I will let the appraiser know so there isn't a charge for his services at your end. " XXXX emailed back on XX/XX/2020, at XXXX XXXX, XXXX XXXX XXXX wrote : > I will cancel it immediately. 

In late XXXX I received a phone call from XXXX asking me if I had 5 minutes to review my application and go over some questions. I told him I decided not to move forward with the refinance and he said, " you're right, I called the wrong person. ". Then, on XX/XX/XXXX I received a large packet in the mail from Owning Corporation addressed to XXXX XXXX at my home address. The first page of the packet has my name, XXXX XXXX 's name and my address listed on a document as if we were co-signers of a mortgage. 

To be clear, I do not know anyone named XXXX XXXX and a XXXX XXXX does not live at this address. I called XXXX XXXX and he said " Oh, there was a mix up with names, address and files. By law, I had to mail that document to you since it was produced but it has been cancelled. '' I am concerned that either Owning or XXXX XXXX is trying to take out a mortgage with my address and/or credit. This is fraudulent activity if that is the case and I do not authorize Owning to run my credit, start a mortgage application or produce mortgage documents with my name and personal information.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiry and Unauthorized Addition as an Authorized User Dear Consumer Financial Protection Bureau, I am writing to report fraudulent activity on my credit report. On XX/XX/XXXX, I noticed a hard inquiry on my credit report that I did not authorize. It appears that someone has obtained my Social Security number and used it without my consent. 

Additionally, I was added as an authorized user on XXXX credit card accounts that I never approved. These accounts are : XXXX XXXX - XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX - XXXX on XX/XX/XXXX. 
I did not give permission to anyone to add me as an authorized user on these accounts. I request immediate removal from these accounts and correction of the related entries on my credit report. 

Please investigate this matter and take the necessary steps to rectify the situation. I am also requesting that you guide me on any further actions I should take to protect my credit and identity. 

Thank you for your attention to this urgent matter.
Product: Mortgage

I, XXXX XXXX, got a mortgage through XXXX on XX/XX/XXXX. I was paying my payment on time till XX/XX/XXXX. My financial situation got changed when I lost my job after my youngest son got into XXXX while he was playing XXXX game on or about XX/XX/XXXX, he still is going through treatment. 
I got job here and there but none of them was permanent. I could just bring the food to the table for the family of XXXX. I fell behind on my mortgage payments ; I was a single earning member of the family with my wife, XXXX kids, and elderly parents with loss of income because I got lay-off on XX/XX/XXXX. It was hard for me to keep with expenses. In the past we never had financial problems. There are so many expenses and managing a home and family of XXXX is hard. I exhausted all of my saving during the hard time that my family and I went through. 
Now, I got permanent job with good income. I am behind of my mortgage and also my income is not enough to pay all back payments which Bayview is asking to do so. As a result, I requested loan modification but Bayview denied my request and advised me to sell the property because there is some equity on it. I did purchased my home about 10 years ago. I put {$120000.00} which was all my family and I life saving as down payment toward the purchase of our home to be our permanent home and raise our children and take care of my elderly parents, I did n't purchase it to live for while then quit. I can not afford to lose my home. I am reaching you out to help me to keep my home which is only our investment and place to keep my family together. I am working hard to take care of my family as well as pay my obligations on time. Being father of XXXX children, husband, and only son of my old parents has huge responsibility on me and I am not ready to lose our only investment after years of education and working hard with a family of XXXX, which is our home. I can not afford to lose my home and have my family on moving truck from rental home to another. I am requesting Bayview to reconsider my situation and accept my loan modification request and offer me a reasonable payment plan or refinance my loan. Bayview asked me to pay over {$90000.00} unpaid mortgage to re-instead my loan then take my loan to another lender to refinance it. Bayview knows no any other lender will accept my application for refinancing because I already have late mortgage in my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was a victing of a Hacker. 

The Hacker was able to access to my cellphone and attempted to transfer money from my bank account to an a Coinbase account. 

- First transfer was of XXXX $ - Second transfer was of XXXX $ Both transfers were made XX/XX/XXXX between XXXX XXXX. 

When I was alerted of the danger the morning of on XX/XX/XXXX, I declined the two transfers with my bank and after that I tried to contact Coinbase to alerted them that my Coinbase account has been hacked, I explained to them throught emails that someone from Coinbase made two unathorized transactions to my checking account and I lost the access to my Coinbase account. 

My first email to Coinbase was XX/XX/XXXX at XXXX I only have received from Coinbase automatic emails as response. 

On my Coinbase account last time I had access I had a balance of aproximatly XXXX $ I've been sending more than 20-30 emails to Coinbase support during all this months. 
After 4 months, on XXXX they helped me to recover my account and I was able to gain access. My assets of XXXX $ disappear and now they say that I owe to Coinbase a debt of XXXX $ for reversal transactions with my bank. 

They say that they understand my situation but that I'm responsible for the security of my devices and they are closing the case. 

I'm not only losing my assets of aproximatly XXXX $ they are asking me for Coinbase 's losses due to a criminal action.
Product: Checking or savings account

I deposit a little over XXXX bucks into my chime checking account that I than transferred into my chime credit building account to pay my bills on the XXXX  of XXXX they locked my account when I was making transactions stating that fraudulent activity was suspected. They emailed to send documents thats I provided as well as transaction numbers related to the transfer of money from a linked account I have sent over XXXX emails with the same information including proof of identity, proof of address, bank statements with the last XXXX digits of the card number, social security card, etc.. bottom line I complied with what was asked after XXXX emails to XXXX they than sent a email letting me know that they have closed my account and the funds will not be returned even after I sent everything they ask for I bank with XXXX XXXX for XXXX XXXX yrs and only use this account for credit building I been a member with chime for over XXXX yrs and never have I ever had such a issue with being in violation I am baffled about how they are handling the situation they have stop responding to my emails after XXXX plus emails going back and forth about my money. I can careless about the account being closed I just want the money that I showed proof of where it came from there was nothing fraudulent I even got a letter from XXXX XXXX showing my direct deposit and from XXXX where I transferred the money and transaction codes there is no reason for them to steal my money this is ridiculous and I am not letting this go at all. I WANT MY MONEY FROM CHIME!!!
Product: Checking or savings account

Wells Fargo bank admits closing my business account in error on or about XX/XX/XXXX, but contended that it should remain closed. In response to my inquiry, a representative from Wells Fargo 's executive office was assigned to communicate with me and address the bank 's error. The executive office representative opened and closed my inquiry without ever speaking with me despite my calling her several times. I requested a new representative be assigned to my inquiry. 

On or about XX/XX/XXXX, another Wells Fargo executive office representative called me to confirm and apologize for the bank 's error. He stated that Wells Fargo would send me a check for {$50.00} in compensation along with a written apology. In the telephone call and apology letter, Wells Fargo states that in reviewing the phone call I had with their representative last XXXX to update my physical address, that, although I was clear about my purpose for calling and providing my physical address, Wells Fargo 's agent did not process the update properly. When the Wells Fargo 's representative from their executive office called me to apologize for the banks ' error, I requested that Wells Fargo reopen my account since it was closed by due to bank error and no fault of my own. The Wells Fargo 's agent insisted that he would not reopen my account and disconnected the call while I was speaking.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are quite a few inquiries on my credit report that I have not made and I have been writing to the furnishers as well as the bureaus regarding this and they have yet to answer me or provide information on why these are on my credit I need them off since thewy do not belong to me I have not pulled these nor approved for them to be pulled!!! 


Creditor Name : XXXX XXXX Date : XXXX  XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date XXXX XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/2023.
Product: Debt collection

I've been trying to request a validation letter for employment purposes the I have a deadline for this information I can't seem to get any help from either party.
Product: Mortgage

I have had an account with Nationstar since XXXX sold it to them in XXXX XXXX 2015. First it took almost 6 months to report my credit. Then when they finally did it was wrong. I e-mailed them sending them documentation from XXXX for corrections.They would correct XXXX thing then report something else wrong. This went on thru-out these first 10 months. I would dispute items thru all XXXX CRA 's and they would say they were reporting correctly. Even the CRAs got the documentation.In the meantime they were e-mailing me and sending me letters to refinance with them ... I truly believe they are trying to maliciously hurt my credit so I can not go to any other bank ... Let me re-phrase that I know they are trying to hurt my credit ... Finally they corrected all the mistakes then they showed the account as Tranfer or sold. In doing so they knew very well that if they report the account as tranfered or sold that it would go to a closed status ... This is malicious and with intent to harm, hurt, mislead, and destroy my credit standing ... It is plain out defamation and slander.I called them to find out if they had sold my account they said they had not. I verified ... I called XXXX, XXXX, And asked them why my Nationstar mortgage is no longer being reported as open.. They told me when it is transfered or sold the account goes to Closed acct. As of XXXX XXXX 2015 I printed off The documents from XXXX and XXXX showing that it is reported as closed..with a XXXX ( XXXX ) balance and showing as tranfer or sold. I called again Nationstar and requested a document ... Which is in this complaint ... They are saying That they checked the CRAs and it is reporting as Opened and in good standing ... That is a bald faced lie.. This bank has cause my credit to drop XXXX points ... They " as stated in there letter '' will not do anything else to fix the issue.
Product: Credit card

Around late XXXX early XX/XX/XXXX, Chase contacted me about fraudulent charges on my Amazon XXXX XXXX . They sent me a new card with a different number and said they would look into the matter. Some weeks later, they contacted me again and said the fraudulent charges were actually valid, and that I would be responsible for paying them. I looked at my statement and found several charges between XXXX XXXX and XXXX XXXX that I did not make ; the charges were particularly suspicious because there was, for example, one day with 4-5 charges at different XXXX locations in the XXXX area , all for over {$100.00}. 

I called Chase back and they said they would refund me for the charges, but in a later statement I saw I was recharged. I eventually opened an investigation with them. They told me that in XXXX XXXX, someone had requested another copy of my credit card and Chase had mailed it out. I never requested a new credit card, so I knew the charges must've been fraudulent. Over the next several months Chase went back and forth between refunding me and recharging me for the fraudulent charges, and so the charges are spread out over different statements. But I believe there were around 13 fraudulent charges, and that they were between the days of XXXX XX/XX/XXXX. 

In XXXX or XXXX of XXXX, Chase told me to contact the merchants on my statements, so over a period of a couple of weeks I worked to get in contact with every merchant that had a fraudulent charge. Some merchants were more helpful than others. XXXX sent me a receipt for the transaction that included the purchase of a {$100.00} gift card, so I knew that had to be fraudulent. One merchant was a men 's fashion and accessories store. 

There were two purchases in that time that I believed I had made, at XXXX XXXX and at XXXX, and I told Chase this. Chase told me the charges I claimed were fraudulent were made with the copied card, but so were the XXXX XXXX and XXXX purchases, which I had said were valid -- as a consequence Chase concluded all the charges with that card must have been valid and closed the case. I reopened the case and they asked me to send them documentation about the XXXX XXXX and XXXX  charges. I sent a copy of my husband 's bank statement showing he had made the purchase at XXXX XXXX, and I had not used the Chase card there. I also said in an email to Chase that the XXXX on my statement was in another part of XXXX far from my residence, so I could not have made that purchase, especially since there was another XXXX  around the block from my residence. 

Chase still closed the case, saying those two transactions, XXXX XXXX and XXXX, were valid, concluding the other transactions must have been valid, too. They closed the case the same day I sent them the email with the documentation. I asked them to open the case again and they closed it again within a few weeks. 

I think the fraudulent charges totaled around {$1500.00}. 

I have attached the two letters Chase sent me, the text from an email I sent them, and the receipt XXXX sent me. I did not think I should attach any bank or credit card statements, but if they are requested then I can provide them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CAPITAL ONE BANK USA add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, CAPITAL ONE add a hard inquiry on my credit report per XXXX.
Product: Student loan

I am trying to get an update on my loan forgiveness. I have made XXXX qualifying payments for public service loan forgiveness. I submitted my last certification form 3 months ago. Both the MOHELA website and studentaid.gov confirm I have made the required number of qualifying payments, but my loans have not been forgiven. I have tried contacting MOHELA for more information but am unable to reach anyone. I have waited on hold for XXXX minutes and nobody from MOHELA responds. I just keep waiting on hold...
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Mortgage

Mortgage company paid for homeowners property insurance twice the wrong amount in excess of {$7600.00} after I instructed them not to issue check because the final amount of the policy wasn't known yet. Mortgage company issued check for {$5400.00} on XX/XX/XXXX. Then issued another check on XX/XX/XXXX, same policy, for {$5400.00} The actual cost of the policy was {$3100.00} This resulted in s shortage of {$7000.00} which the mortgage company intended to collect from me. In reality, As of today, XX/XX/XXXX, I should have an escrow balance of plus {$1300.00} Mortgage company has increased my monthly payments from {$650.00} to {$1400.00} starting on XX/XX/XXXX. Then, on XX/XX/XXXX, the company that provided the homeowners policy refunded the over payment of {$7600.00} to the mortgage company which has NOT credited my account. This problem has been going on now for three months. I need your help.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Mortgage

I refinanced my house in XX/XX/XXXX, my first payment was due on XX/XX/XXXX. By that time my hours were reduces and I was making partial payments which turned out that Carrington Mortgage does not allow them, I tried to do the partial payments till XXXX before I was told not to do that. So I got all up to date by XX/XX/XXXX and so I thought, 2 months later I started getting this calls that my account was past due and I called them to go over that but the answers were that they 'll research and let me know. I was n't till I was trying to refinance this past XXXX to find out that they have been reporting late on my credit every single month since we got the loan! Since XXXX I have sent them letters to them and the bureaus but no concrete answer and I get the run around, one manager after another one. I was able to get one of the managers to give an email and direct phone number and try to solve the issue but she did n't either. I have run out of options and patience as this is very stressful and has affected my household in various ways, the only few credit cards I had have close on me because of the bad reporting Carrington Mortgage has issued on my credit.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that I don't recognize nor applied to, I did not authorize this nor given consent to these companies to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.