23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently subscribed to XXXX, and received a phone number that previously belonged to someone else. The person who had this number obviously owed some company money. They keep calling my number, saying I 'm that person who 's liable for this debt, even though I give them my name, and tell them I do not know the person whom they owe.
Product: Credit card or prepaid card

I had spoken with Discover Bank Credit on XX/XX/2022 as I was notified that an inquiry was done in my name for a credit card on XX/XX/2022 ( I called because I did not make this inquiry and wanted it removed from my credit report ). The banker informed me that there was no inquiry in my name and that I had nothing to worry about. On XX/XX/2022 I received a credit card from Discover bank that I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate Bankruptcy on my Credit Report with the Credit Bureaus and LCI Consumer Center and the Bankruptcy remains on my reports. I have never filed for Bankruptcy and it appears on my Credit Reports which has continued to harm my ability to purchase a home as well as being charged high interest rates on other purchases. 

This has to be illegal. How can anyone overcome such a a Wrong as this? 

I sincerely ask that this Bankruptcy be removed from my Credit Reports. Please find attached documents. 

Thank You
Product: Debt collection

I received a notice from Online Information Services on XX/XX/2023 regarding a supposed debt with creditor XXXX XXXX XXXX for an address and account in XXXX TX on which my name and social security number was used. I called and reported that this was not my debt. Representative XXXX advised me to file a police report and stated they would send me a fraud packet. They sent it to my old address ; it was dated XX/XX/2023, but I did not receive it until XX/XX/2023. I called again and reported that I had just received the packet, which said if it was not returned by XX/XX/XXXX, the debt would be assumed to be mine. I explained about the mailing address issue and they said to fill the paperwork out and send it back and they would still take it. I filled it out and sent it back as directed with a copy of the police report and a utility bill establishing my residence during that time as here in XXXX XXXX. I received another fraud packet a few days after I returned the first one, which I disgarded after reviewing to determine that it was exactly the same document as received previously. Today, I received a final decision in the mail saying that the debt has been determined to be mine. The only source of proof they offer is a statement from the utility company. The debt is NOT mine. I have never lived in XXXX, Texas. I have never had an account with XXXX XXXX. It is clear they took none of my documentation into consideration and in fact when I called today they said they'd never received it and the debt was assumed to be mine.
Product: Mortgage

Mortgage was paid off in 2004 by XXXX XXXX XXXX as I refinanced the loan held by XXXX XXXX an affiliate of JP Morgan. XXXX is now out of business. Bof A shows that the money was sent on closing statement, however Chase Bank never released the lien. I have lost the sell of my property ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ). I was working with a title company, XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX XXXX have gotten no where with Chase. Chase acknowledges that they can not find any account on me or that I owe them any money. I lost the sale because the closing took too long due to Chase dragging their feet. HELP- IAM A XXXX, I NEED TO SELL THIS PROPERTY!!!
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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Product: Credit reporting or other personal consumer reports

Please delete this account off my credit reports as I did not authorized this account.
Product: Money transfer, virtual currency, or money service

I open a PayPal account to make online purchases but when I added my SSN, PayPal block me telling that maybe I can be a risk for them but I dont know why because Im a good person and I havent any problem with my identity So I need to reopen my account because there was an error with PayPal customer services
Product: Money transfer, virtual currency, or money service

See attached document Chase is refusing to credit me money that was stolen from me after I was pickpocketed and robbed while on vacation in XXXX XXXX. 

The criminals were able to use my login credentials and used my XXXX, XXXX XXXX, and XXXX accounts to make unauthorized transactions. 

Chase refuses to help me out despite this, even after writing a XXXX page report detailing what happened the night I was victimized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed collection accounts multiple times from all three credit reporting agencies to include Transunion, XXXX, & XXXX. I have completed disputes as of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and today. I have also called and have been unable to speak to a representative over the phone. Transunion has removed the incorrect reporting of collection agencies on my credit report ; however, XXXX  and XXXX  has not. I have not been provided with a copy of any contracts or payment terms, agreement, and history with my signatures from any of these companies to include XXXX XXXX XXXX ( {$3300.00} ), XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX, XXXX. XXXX XXXX ( {$300.00} ), XXXX XXXX XXXX, and XXXX  ( {$1700.00} ).
Product: Credit reporting or other personal consumer reports

When reviewing my credit report this morning, I was shocked to find an unauthorized inquiry that I never approved. I always check my report carefully, and this was completely unexpected. Hoping it was a mistake, I refreshed my browser, but the issue persisted. This is incredibly frustrating, and I demand an urgent resolution. Please go over the documents I submitted carefully to ensure this issue is addressed once and for all.
Product: Mortgage

I withdrew my application by email on XX/XX/XXXX with an email directly to the assigned representative advising why I was withdrawing my application. The withdrawal was before I provided my income statement and after receiving credit scores of XXXX, XXXX, and XXXX. Instead of closing my application Discover Bank advised on XX/XX/XXXX : After reviewing your home loan application, which was withdrawn on XX/XX/XXXX, we determined we should have provided you a letter explaining that we would not have been able to approve your loan application based on the information we had at the time of withdrawal.. It seems like a violation of consumer protection laws to make an adverse loan decision based on incomplete information after a consumer has withdrawn its loan application. My withdrawal should have been honored and no further action taken. I suspect that Discover Bank is trying to improve its internal statistics on home loans by turning my withdrawn and incomplete application into an adverse decision rather than a lost opportunity.
Product: Checking or savings account

On XX/XX/2022 @ approximately XXXXXXXX XXXX  I deposited {$780.00} cash into the PNC ATM located in XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX. My Money was accepted by the ATM that then came with an error messaging transaction could not be completed. No receipt was provided of the transaction and my card was returned from the machine. I immediately contacted Customer Service and the Employee was not clear in explanation and advised that this was normal and funds would be available in 24 hours or I could then dispute. I explained this was not normal and 9 times to speak to a Manger which he refused and disconnected the call. I called back and received another Employee who understood the issue and launched dispute. I contacted PNC again on XX/XX/2022 to ask for my funds and was advised that they have 45 days. I requested a provisional credit and was told they do not issue for ATM issues even if it is their fault.. Two of PNC employees hung up on me because I was asking for immediate escalation of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my reports coming about because of the wrongdoing. The items 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 and removed any items in my credit record that came about due to an alleged identity theft or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX Balance : {$560.00}
Product: Vehicle loan or lease

I had buy a car from XXXX at the end of XX/XX/XXXX. My car loan lender was American Credit Acceptance ( ACA ). I paid my car loan on time all the way up to XXXX of XXXX when my car loan was reassigned back to XXXX. I wasn't informed by any communication from ACA that this was happening. No phone call, email, mail, etc. I finally found out from XXXX  that my car loan was reassigned. Fast forward XX/XX/XXXX ACA removed off my credit report my car loan. This loan should had been reported as paid in full on my credit report. Instead they deleted it. I had called ACA shortly after this and struggling to get someone on the phone. I finally reached someone I asked as to why this loan was deleted off my credit report instead as being reported as a paid in full loan. I was told that there was nothing they could do to fix it and I was to dispute it with the credit bureaus. I proceeded to explain to them there's nothing to dispute because they deleted it off my credit report. ACA tells me that's not their problem. I asked do you have a credit dept I can speak to and I was told there's no one I can speak to and there was nothing they would do to help fix the situation. XXXX has been very helpful through out this and giving me supporting documents. to support this argument. XXXX XXXX XXXX has informed me that ACA is required to report my car loan as paid in full and that there required my federal law to report accurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I was under the impression that there would be no hard inquiries into my credit history with requests for credit limit increases and new credit products with the following dates and companies. I would not have sought the credit limit increases or new credit products if I had known or been informed that a hard inquiry would be done on my credit file. I have attempted to obtain resolution and clarification on these matters with both the credit bureaus and companies without a satisfactory resolution. 

I am therefore bringing these complaints to the CFPB to attempt to obtain a satisfactory resolution regarding these items that are now present on my credit report. 

With Transunion Credit Bureau, hard inquires on XX/XX/year> by XXXXXXXX XXXX XXXX on XX/XX/year> by XXXX XXXX  on XX/XX/year> by XXXX XXXX XXXX, on XX/XX/year> by XXXXXXXX XXXX XXXX With XXXX Credit Bureau, hard inquiries on XX/XX/year> by XXXXXXXX XXXX XXXX, on XX/XX/year> by XXXXXXXX XXXX, on XX/XX/year> by XXXX XXXX, on XX/XX/year> by XXXX XXXX Fair and satisfactory resolution on this issue would be the removal of the items above from my credit report.

I thank you for your time and consideration.
Product: Credit card

I made flight reservation with Chase travel. At the time of booking, chase offers basic economic class and main cabin with 2 price tiers. And the difference between these 2 options is seat assignment. Therefore I paid extra for main cabin for seat assignment. After I requested seat. I received confirmation email from Chase for flight. However, the day before my departure, I got another email from airline with different seat assignment. I tried to coordinate with chase but they said seat assignment is not guaranteed and refuse to refund the extra I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called TransUnion and written disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, FTC report, and all the required documents asked of me with no assistance. The accounts from XXXX   XXXX/XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX are fraud accounts and do not belong to me!!!!!! There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given. There are also one inquiry where someone attempted to get a card in my name from XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/21 my wife 's debit card associated with our joint checking account at Wells Fargo was physically stolen and used to make four fraudulent purchases at XXXX XXXX - 3 for {$280.00} and one for {$250.00}, totaling {$1100.00}. We alerted Wells Fargo to the fraud on XX/XX/21 as soon as we became aware of it. Wells Fargo initially reviewed the transactions and agreed that it was fraud and credited our account back under their Zero Liability fraud policy. In a letter dated XX/XX/21 they then informed us that they were clawing the stolen funds back as they had determined it wasn't fraud even though their own anti-fraud system activated and declined two additional attempted fraudulent transactions at XXXX on XX/XX/21 in the amounts of {$410.00} and {$290.00}. Worth mentioning that my wife 's PIN was not entered on any of the above transactions. Wells Fargo has given multiple illogical reasons for denying the claim and they are in order as follows : 1 ) Their rep incorrectly identified our last valid transaction ( in which she used her PIN ) as a XXXX transaction for {$60.00} earlier in the day, when the last valid transaction was one shortly after it for {$210.00} ( also using her PIN ). Neither of these amounts were included in the fraud claim.

2 ) The chip security chip was used during the transactions < -- yes, because her card was physically stolen and used at a nearby location as indicated from the very beginning 3 ) The transactions were in our geographic area < -- see number 2 4 ) No additional fraud attempts were made after we alerted Wells Fargo to the fraud and they cancelled the card. < -- Wells Fargo 's own internal transaction report that we requested ( attached ) disputes this as it shows an attempted fraudulent charge on XX/XX/21 for {$570.00} after the card had been deactivated.
Product: Credit reporting or other personal consumer reports

For the month of XXXX and XXXX, American Honda Finance reported that payments were late. 15 US Code 16814 titled Definitions Rules of Construction paragraph 2 of this title is titled exclusions and Sub paragraph A, Subsection I states that transactions are not included in the Consumer Report. Also, the payments were made.
Product: Mortgage

To Whom It May Concern : Please help me ; I want to keep my home. 
For the past 7 months, I have been cooperating with XXXX XXXX XXXX and now Selene Finance to provide all the documentation required to modify my first mortgage which is a 30 year Conventional Jumbo ARM. I have attempted several times to get written confirmation from Selene Finance that my documentation previously submitted to XXXX XXXX XXXX was transferred. This has yet to happen. 
Despite Selene Finance 's unreasonable deadline requests to provide for additional documentation ( which I have submitted every single time on a timely basis ), they seem to be more focused in foreclosing my property instead of helping me keep my home which I have worked very hard since 2003 to pay and maintain. 
Therefore, this written description serves as my written request to submit my official complaint against my loan servicer, Selene Finance, in helping me modify my mortgage due to the following : 1. Unresponsive : loan resolution department head has yet to return my repeated phone calls 2. Contradictory requests for missing documentation : Despite providing " missing documentation '' via certified mail on a timely & repeated basis, Selene Finance letters are unsigned, repetitive, confusing, and contradictory. 
3. Confusing follow-up process : my first mortgage was recently transferred from XXXX XXXX XXXX to Selene Finance. 
4. Wrong focus : instead of helping me modify my mortgage due to continued financial hardship as a result of a recent separation from spouse and therefore loss of dual income, Selene Finance refuses to help, does not offer any options ( lowering my rate and/or extending the term of my first mortgage -I have XXXX mortgages on my home- ), and worse-yet facilitates the selling of my home by requiring to dialogue with realtors who are not specialists in modification. 
Since it is my firm desire to keep my property, I look forward to speaking with a CFPB representative either in person and/or via phone. Please note I have kept diligent records and can show tangible proof Selene Finance committed surprising number of errors that often are grounds to challenge a foreclosure action. 
Since time is of the essence, I thank you in advance for your immediate attention & response to the contents of this written complaint.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XX/XX/2018 for XXXX  XXXX XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2018, I have been trying to get this account removed off of my credit.
Product: Student loan

I have had my student loans in repayment for sometime. I realized that Mohela the servicing company was not correct in the way the handled interest capitalization. They capitalized my loan way past the legal 10 % of interest level. Not only that there is no clear understanding of the information on the Customers internet Screen at the website. There is a rule that would allow me to re dive forgiveness based on the number of deferment years listed and the timeframe that I have been in repayment.

There is a rulle that says after consolidation of all y loans, the loan in the oldest repayment period would qualify me for forgiveness of all loan debt. On the student aid website the simulator confirmed that I can apply for the 20 year IBR plan. I did and is expecting forgiveness. But the information on Mohela Loan Servicing company Website is not agreeing with the
department of education student aid records. I would like to have Mohela correct its records based on department of education records.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these items be removed from my credit report due to their fraudulent nature. 
Accounts to be blocked and deleted : XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2200.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$5100.00} Inquiries to be blocked and deleted : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX