23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Acc # XXXX To whom it may concern : I own the property at the address listed above, and your bank services my mortgage. 
Over the last several weeks there have been many stories documenting the problem that banks are foreclosing on homes without proof that they own the loan. I have learned that in many cases, banks like yours do not even know who owns the loans you service. Employees at several leading banks have admitted to rubber stamping tens of thousands of foreclosures every month, without even checking to make sure that the bank had a legal right to proceed with foreclosure. In some cases, banks allegedly falsified mortgage documents to cover up their mistakes. There have been reports of two banks trying to foreclose on the same home, banks foreclosing on homeowners who were current on their payments, and even of a bank foreclosing on a home where the homeowner had never taken out a mortgage to begin with. This is not merely a technical problemit is the difference between having a warm bed at night and being out on the street. 
As a homeowner and a customer of your bank, I am horrified. I had always believed that it I played by the rules, I would be protected, but now I know that banks like yours think the rules dont apply to them. 
To protect myself and my family, I need to know who owns my mortgage. Within thirty days, I would like to know the name, address, and phone number of the bank or investor that owns my mortgage. Furthermore, in light of the recent allegations of foreclosure fraud, I demand to see the original mortgage note proving ownership over my home loan. I would like to see copies of all endorsements and assignments of my mortgage note and where and when the assingment ( s ) _if any were recorded. I also ask that you provide me  with evidence of your firm being contractually retained to service my loan. 
If you fail to provide the information I am legally entitled to, I will be forced to consider all options available to me to ensure that my family and my home are protected. 
I ask that I receive my response in writing. 
Thank you for your attention to this matter. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .ca XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  *
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C 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

This is my other 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 Balance : - XXXX XXXX XXXX XXXX Balance : {$390.00}, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023.
Product: Credit card

Account name SEVENTH AVENUE Account number XXXX I happen to look into my credit report and i found this account that does not belong to me
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

GreenSky , LLC keeps harassing me to pay them money I don't owe. I got 4 laser treatments for {$50.00} a session and GreenSky is trying to suck $ XXXX from me. I paid well over $ 1k for treatments I couldn't get. Due to my compromised immune system I couldn't even get treatments because they were for my face. I am still getting bills although I already paid for my 4 treatments. I get a XXXX check to live off of and GreenSky is trying to ruin my life. They are discriminatory as well as greedy.
Product: Debt collection

I filed a dispute with XXXX for a company in XX/XX/XXXX. After XXXX investigated they informed me it was accurate and they updated my credit report to show I opened the acct in XX/XX/XXXX of this year. The collection agency is collecting for XXXX who I currently have service with and when I contacted XXXX they informed me that their system is not showing them an account being opened with them in XX/XX/XXXX with a Balance of XXXX.
Product: Checking or savings account

I filled a complaint with Regions for multiple Unauthorized charges on my account and they associates have been very rude and unprofessional!
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach.Other reviewing my credit reports I notice some accounts I am not familiar with.l have asked the CRA 's for validation of debt, however the information has not been provided Due to my information being exposed I have submitted a FTC complaint reporting the information i am not familiar with Please find attached a copy of id the FTC complaint and copy of my XXXX report showing my information being exposed in a national databreach and Validation of debt letter.
Product: Money transfer, virtual currency, or money service

Over the past 3 years there have been unauthorized transactions on my account from businesses that I do not deal with. I tried to notify cash app to let them know that these were fraudulent transactions and requested a refund but I received none. Instead I was told to contact the company directly but this was impossible to do since they acted fraudulently and created a fake account. There are charges from a company called XXXX XXXX  and XXXX and the XXXX XXXX  which is suspicious because I don't own any XXXX products. I'm not familiar with XXXX XXXX  nor have I purchased anything from them and yet my account was still deducted and I was unable to reach any customer service agents at cash app to rectify the situation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX US DEPT ED XXXX Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account # 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, credit repair services, or other personal consumer reports

Dear Experian and XXXX, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXXXXXX XXXX. I've never missed a payment ever since opening the account, and my payment history reflects my good standing and faithfulness. 

I previously tried correcting this mistake, and as a consumer, I trusted you to fix the information. Please note that I have opted out in writing to your forced arbitration terms and seek legal relief if this is not resolved appropriately. 

I demand you provide legal validation, but please remove the late payments from my account. Since I know you can not legally validate these late payments, please remove the late payments from my account / update them to current. 

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

ALL FTC VIOLATIONS ATTACHED print XXXX  Your Report Potentially Negative show tooltip button XXXXDispute XXXX XXXXDispute  XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint against XXXX  regarding my account being frozen without clear justification. I believe someone may have accessed my account without my knowledge, but I have since secured it. Despite this, XXXX  has refused to unfreeze my account, even though I still have {$2100.00} in my balance. 

I have contacted XXXX Customer Support multiple times and have been waiting for a response for over 10 days, but they have not provided me with any resolution or opportunity to regain access to my funds. 

Here are my account details : - Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Phone Number : XXXX - Email : XXXX All I am asking is for XXXX to unfreeze my account and allow me to access and use my money, which is rightfully mine. I would appreciate any assistance in resolving this matter as soon as possible. 

Thank you for your time and help. 

Best regards, XXXX XXXX
Product: Debt collection

I recently reviewed my credit report and noticed there were fraudulent accounts that I did not open. These accounts are fraudulent, and they are negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

I am indicating to you that the data on the report ( s ) is inaccurate and Out Dated XXXX REQUESTING THAT IT BE REMOVED Thank You... 

AND ALL OUT DATED DRIVER LICENSE INFO OVER XXXX OLD AS WELL...
Product: Debt collection

On XXXX XXXX I disputed with XXXX about a company called XXXX XXXX. Theyre still trying to put a collection on my report. 

Ive found out today that the creditor was XXXX. Ive called XXXX XXXX and they told me they have no knowledge of this report and that they also have no knowledge of my account. I havent been a customer to XXXX in over 2 years because of one of their employees using my social security number. This was on the file of my credit report. I canceled services with them immediately and was told all I had to do was pay the last balance which I did in XXXX of XXXX. 

Since then now Im having to deal with a collection agency for a bill that is not mine and do not owe and with fraud with XXXX Im absolutely reluctant and with them not even being able to tell me anything makes me even more hesitant other than the fact that they have no files or anything about me in their system since I last had services with them. My advice is dont ever use XXXX again.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XXXX XXXX, 2016 I discovered my secured Capital One credit card had been compromised and there were several unauthorized transactions posted to my account. I immediately contacted Capital One and was transferred to the fraud department. I explained to the customer service representative I spoke with the situation and was repeatedly reassured by her that I was 100 % covered by Capital One 's fraud protection services. The customer service person I spoke with was polite, apologetic, and extremely helpful. She noted all the unauthorized transactions, noted that I made contact with Capital One, and noted that none of the unauthorized transactions should count negatively toward the account since it was a secured card - and then read her notes back to me to be sure she had not missed any transactions. She closed out the card with the fraudulent card activity and reissued me another card. I was provided with a claim number for the fraudulent activity. 
When I received the new card in the mail, I called Capital One to activate the card. After to speaking to two customer service representatives I spoke with someone who informed me he was a 'supervisor ' and his name was " XXXX ''. He told me that my account was a secured card and it had been closed. He stated the reason was due to one of the unauthorized transactions reported just a few days earlier. I tried to explain to him that the transaction was not authorized or initiated by me, but he continued to state it was company policy for secured accounts to be closed when this type of transaction happens and began insinuating that he did not believe the transaction was fraudulent or unauthorized. He informed me that I " could not provide any documentation to prove that I did NOT complete the transaction ''. He was extremely rude and condescending. I informed him the person I spoke with when I reported the fraudulent activity had told me that none of the unauthorized transactions would be held against me, but he just repeated the above statement and kept saying it was " company policy with secured accounts ''.
Product: Student loan

I contacted MOHELA multiple times about this issue and tried calling to resolve it today. However, they've removed the option to speak with a representative from their phone tree, so I have no idea how to contact them. During the forbearance between XXXX, which MOHELA initiated due to their own incompetency with the repayment process, I made two payments. I wanted these payments to be applied to my XXXX and XXXX payments instead. Their original email stated this would happen automatically, but I did not see it reflected on my account, so I called to move these payments. On XX/XX/XXXX, I talked to a representative who said they could do this. However, as my due date approached, I never saw the amount reflected on my account. I talked to another representative on XX/XX/XXXX, who informed me that the previous rep had not completed the paperwork correctly, so it never went through. I asked if it was worth sending the paperwork through since my loan was about to be due on the XXXX, but she said they'd see it in time to apply the payments. She proceeded to help re-submit the paperwork over the next hour. It is now XX/XX/XXXX, about a week past my due date, and there are still no payments reflected on my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent information from my criminal record. I recently discovered that someone committed check fraud using my name and personal information, resulting in inaccurate criminal charges being associated with my record. I want to emphasize that I did not commit this crime and that I am a victim of identity theft. 

This fraudulent activity has caused significant harm to my reputation and has created obstacles in my personal and professional life. I have taken steps to report the identity theft, including filing an Identity Theft Report with the Federal Trade Commission ( FTC ) and notifying local law enforcement. Copies of these reports, along with any supporting documentation, can be provided upon request. 

Under the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, I am requesting an immediate investigation and removal of this fraudulent charge from my record. I am also requesting that you confirm the resolution of this matter in writing and provide a copy of the corrected record once the issue has been resolved. 

Thank you for your attention to this urgent matter.
Product: Credit card or prepaid card

First problem was resolved with me reporting my Reliacard stolen. Now having problems getting thru to a realrep due to calls being frauded. Reps don't know infor. At hey should know. 
Told by last rep that my self is I needed to send online was under review. Now told that it was never received. Reps not on dame page with responses. Don't know if talking to real rep. My act is inactive due to this. Unable to afford to update my PA ID with my PUA benefit on card I don't have! Had to send expired PA ID.
Product: Credit card

Regarding Complaint # XXXX Unresolved Capital One did not resolve my issues nor did they address all of the issues. There were at least three ( 3 ) different conversations with their non-English Speaking Fraud Dept and their response does not accurately address any of these conversations. They do not even address the lies told to me by their Fraud Dept nor does their response address the fact that their Fraud Dept stated in the conversation to me that the application process was not over and they did n't know why the card was send out. 

Unresolved 1 ) They did not void the application as requested and Capital One stating that it is not possible to do so is not true. They are dishonest ... .. just as their Fraud Dept was dishonest with me. 
2 ) They did not address the initial conversation with their customer service where they insisted that the card had been used prior to me receiving it. 
3 ) They did not address the initial conversation with their customer service where they told me the card could not be used. 
4 ) They did not address the initial conversation with their customer service where they accused me of not being who I said I was. 
5 ) They did not address the conversation with their customer service where they emphatically told me ( on their recorded line ) that the application process was not completed and they do n't know why the card was sent out. Per your Fraud Dept, there was not a completed account set up. So, this application can be voided. So, who is telling the truth, your Fraud Dept or you? 
Capital One has dinged my credit, accused me of fraud and now refuses to do what is right. " VOID THE APPLICATION '' and let 's move on with life. 

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

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX FNCHES this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.