23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had 2 deposits made in my behalf through the Chase mobile banking app. The first deposit was made on XX/XX/XXXX in the amount of {$1400.00}. The second deposit was made on XX/XX/XXXX {$1600.00}. Both checks that were deposited were copies of a prior deposit and modified to attempt to be passed through as real. The checks were deemed as fraudulent/altered. I notified the bank of the activity prior to them determining they were fraud and told them to freeze the account. Later that day I went to open a new Chase account and since they are all tied together to the same social the froze that too. I contacted XXXX XXXX at the Fraud Recovery Investigations Department at XXXX on XX/XX/XXXX in attempt to activate my debit card and unfreeze my new account. He told me I had to process a claim through the claims department before he could unlock the account and activate the card. The claims department stated they can not do anything since the withdrawals were valid but the deposits were not. They told me to contact law enforcement so I contacted the FBI since it was and overseas issue. The FBI told me they do not investigate this and to call the FDIC. The FDIC told me they only handle issues regarding if the bank goes belly up. The said it is Chase 's Fraud Departments responsibility to investigate the fraud. They advised me to file a complaint against the bank here, however since it is an overseas issue I am probably going to be out of luck on re-cooperating the loss. I feel chase has not done their due diligence to investigate where these deposits were made from so that the culprit can be charged with a crime. This is not how they should handle their customers who are victims of fraud.
Product: Money transfer, virtual currency, or money service

I open a digitalwallet with Coinbase.com I tarnsfered some of my cryto toth wallet as suggested by Coinbase. I bought a new cell phone and my saved info was lost to sign onto the Coinbase XXXX account. So i went onto th site and it asked me to sign in with a 12 word sign info supposedly given to me when i open the wallet account, NO SUCH 12 words were ever given to me! I asked the company through CHAT and i was told too bad, if i lose my 12 word info i can't get into my account, EVER! LOST my money! I'm a senior citizen on a fixed income with XXXX n i need my money!!! Please help.
Product: Payday loan, title loan, or personal loan

I have tried to stay in contact with this company since I lost my job at the time in XX/XX/XXXX I was receiving unemployment and in the state of arizona even at the max I was only getting just over $ XXXX. Every time I called to try and work things out with them the same male answered the phone ( i cant remember his name or if he ever gave it ) I explained my situation several times over only to be belittled for having lost my job and unable to pay back the loan. I pleaded and told him that i could barely afford to feed my child let alone pay bills. He then replied with " well my kids are fed so I can sleep just fine at night ''. I have also made several attempts since then to set up payment arrangements with other representatives i even told them about what was said to me by their fellow peer they didnt care. They have since refused my offer to pay off the balance with in means of my budget and refused to work with me to find a manageable amount for me with the other bills that I have. The comment made by the rep what was said to me is a violation of the law and is considered abusive language.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX XXXX XXXX, Experian, XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : XXXX XXXX XXXX is reporting two fraudulent collection accounts on my credit file : 1. Account Number XXXX in the amount of {$2800.00} 2. Account Number XXXX in the amount of {$2300.00} I have never had any contractual or financial dealings with XXXX XXXX XXXX and have not authorized any accounts with them. These accounts are the result of identity theft, and I have previously disputed them as fraudulent with both XXXX XXXX XXXX and Experian and the other two credit reporting agencies.. 

Despite my disputes : Experian claims the accounts were verified but has not provided the method of verification, as required under Section 611 ( a ) ( 7 ) of the FCRA. In which Inhave also requested. 
XXXX XXXX XXXX has not provided proper validation of the debts as required by the FDCPA. I which I have also requested. 

Specific Violations : 1. Experian, XXXX and XXXX Failed to disclose the method of verification for the disputed accounts. 
Continued to report unverifiable accounts, violating Section 623 ( a ) ( 3 ) of the FCRA. 
2. XXXX XXXX XXXX : Failed to provide validation of the debt, including proof of the original agreement with my signature. 
Continues to report these debts without verification, violating the FDCPA and FCRA. 

If no verification is provided, the accounts must be permanently deleted from my credit report.
Product: Mortgage

I am appallingly concerned about how the mortgage servicer has handled my account since they have been the overseer and am requesting an investigation of my mortgage account and how my payments ( principle, interest and escrow ) have been applied since XX/XX/XXXX when I believe there was an accounting error that initially forced me into foreclosure. I was awarded a HAMP modification in XX/XX/XXXX where terms were established which I complied to, for them to increase my payment by {$500.00} monthly after 14 months of payments stating it was the increase of escrow that had not been disclosed during the underwriting process or prior to the trial period or permanent modification. I contacted my township for them to tell me there had been no increase that year on property taxes. The increase in my homeowners insurance did not substantiate the $ XXXX/monthly increase they applied. Now that I am back in foreclosure due to the hardship of a fire and also the payment increase they claim is due to a rise in escrow, I would like my account investigated to prove this is true. They claim I defaulted on their adjusted terms that were not the terms I agreed to and signed which has since caused me to be ineligible for another HAMP review and qualification. Now I am again trying to see if there are any unspoken underlying cost factors that could come out after the trial period or permanent modification that would land me back in the same predicament as before, now being offered another modification? My mortgage has again been taken over by another servicer whom I was not notified about and I have concerns about whether they are legitimately able to foreclose? I would also like to request the servicer prove they hold the original mortgage Note to be able to foreclose on my property. Since the servicing company prior to this takeover, my mortgage has been a nightmare and I believe deep in my heart that there have been undisclosed errors that are unfair and falling on me. I think this is a gross misconduct and I need to know that I am not being taken advantage of. I want to keep my home and if this is a legitimate offer that they can not or will not impose a significant increase upon completion of the trial period and permanent modification and the numbers are accurate, I would be more than happy to agree to it. It just appears the servicer is preying on struggling homeowners like myself to force them out of their properties and I want to satisfy my conscious to make an educated and informed decision when possibly entering into this modification agreement. If it is found they have fault in the servicing of my loan or are not the original Note holder, justification for me would be to reverse the foreclosure and correct the numbers to provide an accurate account of what I actually owe so I can live my life without the fear of foreclosure unless deemed necessary by my fault, not theirs.
Product: Money transfer, virtual currency, or money service

I took Bank of America to Courts twice. Once in the U.S.District Courts of Missouri. Then next in the Sepreme Courts of New York.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the following late payment accounts that have been reported on my credit report : 1. XXXX XXXX Late Payment Account 2. XXXX  XXXX XXXX Late Payment Account 3. XXXX XXXX XXXX Late Payment Account 4. XXXX XXXX XXXX Late Payment Account 5. XXXX XXXX XXXX XXXX Late Payment Account I believe that these accounts have been reported in violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit reporting agencies are required to report only accurate and complete information about an individual 's credit history. In my case, the information reported is not accurate, as I have made all my payments on time and have not missed any payments. 

In addition, these late payment accounts violate the Fair Debt Collection Practices Act ( FDCPA ) as well as the Fair and Accurate Credit Transactions Act ( FACTA ). The FDCPA protects consumers from abusive debt collection practices, and the FACTA requires that consumers be given accurate information about their credit history.

Furthermore, these late payment accounts are in violation of the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). These laws protect consumers from unfair lending practices, ensure that consumers are given clear and accurate information about their loans, and give consumers the right to dispute billing errors. 

I am emotionally distressed and concerned about the impact that these late payment accounts will have on my credit score and my ability to obtain credit in the future. Therefore, I request that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

During the time of XXXX my identify, bank card and cellular device was stolen. Once i finally was able to retrieve my belongs i realize that my debit card with boa was stolen as well. When i contacted them they told me i had no worries because my card was frozen. At that time i also told them I didnt have access to my login id. They lady i spoke with told me well my card is frozen so nothing will be coming into or out my account. She also told me my account doesnt look like its going to be closed and if so, wait until Wednesday to hear back from them and if no call or email then my account will be re open. That very day Wednesday i called and spoke with someone told them what the lady told me and they had told me well i dont know why that information was related my account was officially closed. I asked why and they said because a check. I then begin to ask questions because I was very confused if they were talking about about my direct deposit from my job. I ask them well what can i do about my account and funds and they advise me my money will be mailed and no longer want to do busy with me very rudely. And my social is report on the blacklist for stolen check that i was never aware of. Exactly XX/XX/2018 my account was closed without me knowing anything and until this day my funds are still not being issued to me all because a check was out into account at the time my identity and belongs were stolen.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX SSB || Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I was homeless and my information was stolen from me at the homeless shelter and just recently found out about this problem as I was getting back on track.
Product: Vehicle loan or lease

Date of the Transaction : XXXX XXXX XXXX What the Business Committed to Provide You : Hyundai Motor Finance committed to providing financing for my vehicle under the terms of our agreement, which does not explicitly restrict the ability to ship the vehicle overseas to military personnel only. 

What the Nature of the Dispute Is : My request to ship my financed vehicle overseas has been denied three times by Hyundai Motor Finance. The stated reason for denial is that I am not XXXX XXXX XXXX However, nowhere in my contract does it explicitly state XXXX XXXX XXXX XXXX can ship their vehicles overseas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Whether or Not the Business Has Tried to Resolve the Problem : I have contacted Hyundai Motor Finance multiple times and provided extensive documentation to support my request, including my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite this, my request has been denied without a satisfactory explanation or consideration of my unique circumstances. 

Details : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX, I believe that my request to ship my vehicle overseas should be accommodated. The refusal to approve my request based solely on my XXXX  status, despite clear evidence of the nature of my duties, is both unreasonable and unsupported by the terms of my finance agreement. 

I request the XXXX XXXX XXXX to facilitate a resolution to this matter, ensuring that Hyundai Motor Finance acknowledges the unique circumstances of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provides the necessary approval for my vehicle shipment
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of credit that isn't mine I dispute it but it's still there I tried to explain to them it is mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from th e ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Product: Credit reporting or other personal consumer reports

I am submitting the attached documents to dispute the XX/XX/year> late payment on my mortgage with XXXX XXXX XXXX. 

After sending several requests to update the late payment to OK or paid as requested, I am now disputing with a XXXX letter and a receipt from XXXX XXXX, which acknowledges the error and gives me credit for the late payment. 

Please Review Attachments Please note I have sent a letter to the Attorney General In PA and CRA.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I Did sign up with XXXX XXXX XXXX in 2015 for my debt settlement and they assure me that they will settle my two credit card acc but after two years now they did n't settle any acc rather they withdraw almost 19000 $ out of my trust acc from XXXX XXXX XXXX acc no XXXX without any work done. without a settlement and now when I ask them they said we will get a settlement but now I want my money back as they took all my money without doing any thing its total fraud. and they refuse to refund my money 1. I paid XXXX every month 2. FILE NO : -XXXX 3.Paid till now XXXX {$4.00} they withdraw XXXX out of my trust acc which was with XXXX acc no XXXX so by contract they will keep all money in trust acc till settlement done but they didnt do any settlement and took my money from XXXX XXXX thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX 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: Student loan

I have repeatedly requested an auto-debit, so that my interest rate would be lower. I received notice that they were approved, once for my application on XX/XX/XXXX and once for my application on XX/XX/XXXX. My payments have never been auto-debited pursuant to these allegedly approved requests as of today, XX/XX/XXXX. 

I again had to make a double payment, because I thought it was going to auto debit and it didn't. Now my payment is " 3 days late '' and only 1 banking day late. I had to pull money from savings to cover this double payment for this month and next month. I'm on an IDR plan, so my savings are obviously not robust enough for this to be something that is sustainable. Also, on-time payments are vital for my PSLF. Each time they do this, I have to pay on my loans that much longer. 

I continue to not be able to get through on the phone, due to them being either unwilling or unable to staff their call centers adequately.
Product: Mortgage

My mortgage was originall with XXXX bank and then was sold to Carrington Mortgage. My first payment with Carrigton was XXXX/XXXX/2015. I mailed a check to get there by the first without realizing that my autopay that I had with XXXX was going to be carried over to Carrington. Even thogh my payment for XXXX was made they still drafted my checking account in XXXX. When I called to resolve the issue the automated system stated that my next payment was due on XXXX/XXXX/2015 ( recognizing that a double payment was made ) However when I spoke to a representative they told me that they could not see that an extra payment was made and wanted me to fax proof from my bank. I did this several times and each time I called back they said they never received my fax. When I finally went to my bank to place a stop payment on XXXX payment so that I could gt back on track Carrington changed the amount of my payment slightly so that stop payment did not work. Today I called Carrington to simply cancel autopay with them so that I could skip a payment since I was ahead anyway and was told that autopay could not be cancelled unless I fax them a letter stating to do so. I fear that they will continue to say they dont receive my faxes and I will be out almost {$1000.00}. It seems like they are intentionally giving me the run around. They refuse to reapply the extra payment to principal or refund the money. I dont know what else to do.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documen
tation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Debt collection

This was unauthorized use of my credit not used by me. I have no records or indication of whom was utilizing this account.
Product: Mortgage

Vague records... charging double in interest fees while trying to get out from under their stealing hard gained funds from us. They need to be fully investigated. If they are cheating us just imagine what they are doing to their other poor lenders. Making big time money here at the great expense of their unfortunate customers. They bought our loan as we never would have willing signed up with them. Just trying to get out from under them with a few dollars in our pockets!
Product: Debt collection

I am writing to address the ongoing issue with the fraudulent account, XXXX XXXX XXXX  still present on my credit report. Despite confirming the identity theft with the associated bank, they acknowledged the error and assured me of the immediate removal of the account. XXXX and XXXX have already removed this account from their records, recognizing the error.
Product: Credit reporting or other personal consumer reports

I recently sent a dispute tried to respond to the company and wasn't able to on the cfpb website but the did not show me any disclosures I asked for I will like to start the arbitration process at this point. They have violated the following subjects. 15 usc 1681 and 16 cfr part 313
Product: Student loan

I was notified that MOHELA was receiving my loans from XXXX. I have tried to set up an account with them to no avail. I called them and was on the phone FOR AN HOUR. I have recived nothing from them regarding my loans or the transfer. I am unable to set up an account because they said the information I provided them about my date of birth, social security number, and last name are wrong when they are not.