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

My name is XXXX XXXX and I have a US bank checking account. My Dad, XXXX XXXX, used to have a US Bank checking account and when registered he used my mobile phone number, XXXX, to register his online banking, since he has been sharing my phone that time, but since last month, when I log in to my US bank mobile banking, it keeps pops up that the mobile number is been used by someone else ( which is my Dad I think ). My dad has already canceled the US bank checking account, but the issue for me to log in to the US bank mobile app still exists and still keeps saying my mobile number is used by someone else which prevents me from logging in to the mobile app. I called US bank support several times but the issue has not been fixed. Please help me fix this error and thank you so much!
Product: Mortgage

Ocwen sent a letter dated XX/XX/XXXX that states foreclosure proceedings were initiated against our property on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Victim of ID theft for past few years and have been battling to restore my name. I have filed Ftc reports and police reports ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ACOUNTS : XXXX XXXX  Account number XXXX {$50.00} XXXXXXXX XXXX Account Number XXXX {$1500.00} XXXXXXXX XXXX Account Number XXXX {$89.00} XXXX XXXX  {$130.00} XXXX Account number XXXX {$800.00} XXXX XXXX Account number XXXX {$8500.00} ( reinsertion ) XXXX XXXX Account number XXXX {$980.00} XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX {$1400.00} XXXX Account number XXXX {$350.00}, XXXX XXXX  Account number XXXX {$1100.00} and XXXX {$0.00} XXXX XXXX Account number XXXX {$1100.00} XXXX XXXX XXXX Account number XXXX {$0.00} ( reinsert ) This was not sent in error, not a material misrepresentation, and If you feel I obtained goods or services please have a senior executive from your company certify under the penalty of perjury that i received goods or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my formal notice of dispute for this item that is not 100 % accurate and also is incomplete. My information has been misused and has led to these items appearing on my report.
Product: Credit card or prepaid card

I did two balance transfer on my credit card account one ending at XX/XX/2019 and other ending at XX/XX/2019. I paid completely the balance of transfer ending on XX/XX/2019 in XX/XX/2019 itself. However they allocate the payment towards the balance of XX/XX/2019 and change me interest of balance transfer ending on XX/XX/2019. My every statement shows that I have two balances ending on two dates. I paid my balance as per the statement. When I call and ask them why they are saying that the balance transfer ending on XX/XX/2019 was issued earlier, That's why they payment goes to that. This means when I transfer balance ending on XX/XX/XXXX, effectively my XXXX ending transfer has no meaning. If this is their rule they should have told me at the time of balance transfer and also on statements. As it wasn't done in either, BOA is charging interest without proper communication. I would like them to reimburse my interest for 4 months and also pay the penalty for their foul behavior. I have submitted the statements of XXXX and XXXX as supported documents. XXXX statement clearly shows two balance transfer and also payment for first balance transfer. XXXX statement shows the interest charged by them. Please let me know if you have any question. 

Thank you, XXXX
Product: Student loan

Hi, I was contacted last year by XXXX XXXX XXXX, formally XXXX XXXX XXXX, about a student loan I was unaware that I had. They provided me a loan payment book with coupons that I was to send in every month with a check. The book also included a website where I could register to pay my loan off online. I paid the first installment via check on XXXX XXXX, XXXX. This check was cashed. 

I then tried to register on XXXX, but was unable to because my SSN was not registered with their system. Fine, I thought, they have my wrong SSN, but they were still able to cash my checks, so I'll just pay them this way. I continued to pay them monthly using the coupon book. 

However, I became increasingly frustrated in XX/XX/XXXX when I tried to contact them via phone in order to resolve the SSN issue. I wanted access to my account. I wanted to see what I owed and why, and what type of loan it was. I had NO information and NO access.

I couldn't speak with anyone though because either my SSN or my account number were required to move forward with the call. As I mentioned, my SSN didn't work, and it turns out that my account number wasn't registering with them either. This made no sense to me because my account number is printed on every single coupon I have. Further, I found it suspicious that they are able to cash my check every month with an incorrect SSN and an incorrect account number. I tried to contact them via email, but was unable to because I needed my account number for that as well.

Lastly, today I logged onto National Student Loan Data System and saw that while I could account for the 8 subsidized and unsubsidized loans and the 1 I pay through heartland, I could not find a 10th loan, which is what this loan is. I am paying off 10 loans, but can only find evidence of 9. My credit report also does not show that I owe XXXX anything. 

I don't know what this loan is and I have no way of finding any information out because this company has made it literally impossible for me to contact them. And yet, they have no problem cashing my checks.
Product: Mortgage

Bank : XXXX XXXX XXXX XXXX XXXX : OCWEN ISSUE : ASSIGNMENT OF NOTE MADE AFTER BANK WENT BANKRUPT ( XXXX XXXX XXXX bankruptcy XX/XX/XXXX XXXX, assignment to XXXX XXXX being used to foreclose dated XX/XX/XXXX was signed by " attorney-in-fact '' for XXXX XXXX XXXX, who works for old bankrupt bank and newly assigned bank ( XXXX XXXX ) loan servicing company OCWEN, who has been fined XXXX by the federal government as has XXXX for fraud, yet we are still in foreclosure!!!!!!!!!!! 
Issue : We have been in foreclosure since XX/XX/XXXX. It is XX/XX/XXXX. Back then my husband had lost his XXXX figure job and then took a $ XXXX/Hr job, now he is back to nearly XXXX figures, but we are still fighting foreclosure! The bank is using ROBOSIGNED FALSIFIED DOCUMENTS IN A COURT FORECLOSURE STATE, ( CT ), BUT OUR ATTORNEY WOULD NOT ARGUE THAT BECAUSE JUDGES DO NOT LIKE TO USE " FRAUD '' BY BANKS TO " GIVE HOUSES AWAY ''. The mortgage originated with XXXX XXXX XXXX XXXX XXXX XXXX went bankrupt XXXX XXXX, XXXX. HOW WAS AN ASSIGNMENT OF OUR MORTGAGE SIGNED BY AN " ATTORNEY-IN-FACT '' for the XXXX XXXX XXXX Mortgage by an OCWEN employee and notarized by an Ocwen employee with initials of reported robosignors in XXXX XXXX? FACT : THE ASSIGNMENT OF OUR MORTGAGE TOOK PLACE TWO YEARS AFTER THE MORTGAGE COMPANY WENT BANKRUPT AND THE ASSIGNMENT WAS SIGNED ON BEHALF OF THE BANKRUPT BANK TWO YEARS POST BANKRUPTCY. There is a " lost note affidavit on file. They had to have some " PROOF '' they had the right to the house, so why not falsify the assignment to XXXX XXXX who is actually the trustee!!!! acting on behalf of XXXX XXXX XXXX XXXX, XXXX XXXX to whom the mortgage was transferred purportedly?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Lexis Nexis for a full file disclosure by phone, email, and by mail over 60 days ago. Lexis Nexis has not complied with my request, nor has Lexis Nexis complied with my request to place a security freeze on my Lexis Nexis Report, or opt out request.

Lexis Nexis is intentionally ignoring my request for which I'm entitled to a full file disclosure of information contained in Lexis Nexis database containing my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello good day from pulling my credit report I notice that their are Multiple Inquires on my credit report. 
XXXX XXXX XXXX INQUIRED EXPERIAN XXXX INQUIRED XXXX XXXX INQUIRED EXPERIANXXXX/ XXXX XXXX INQUIRED XXXX XXXX INQUIRED Now I'm just finding out about the multiple Credit Inquires on my Credit Report This is the Reason my Credit Score has not changed the company involved did not get my PREMITTION TO DO THIS.

This has to cleared up Immediately and be Compensated for my LOST due to the company 's Lack of Common Laws of the People for the People not Credit company 's this has been going on for over THREE Years NOW???

The Law Clearly States 1681A, 16814B, 15USC1681N My Rights have been Violated as a US Citizen. 
Thank You
Product: Credit reporting or other personal consumer reports

The following inquiries are unauthorized : XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX FXXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act.
Product: Credit reporting

So many inquiries that I have no idea, so many paid accounts still show
Product: Debt collection

I received a call at my job from ONLINE Informaional Services, the representative name was XXXX at XXXX. She stated the MM, she properly identified me. I asked for the Validation of the debt to be sent to me, she refused. Also asked for a payment plan, she refused. Instead she mentioned my credit report ask about my line of credit? XXXX, threathen me by saying that she was going to report info to my credit report, if it is not paid by the XXXX of the month. I pointed out that she must send me a letter of Validation because that will be an FDCPA violation. She continued to collect and got frustrated, she then hung up on me saying that i was playing around?
Product: Bank account or service

I got divorced from my ex husband because he was n't good at money and he was XXXX. So after the divorce was final i paid and settled my account with XXXX debt collection agency. And i requested that i get a receipt showing i paid it. I had called US bank after that asking what was going. They did n't show anything on the account with the local branch and the customer service line. XXXX told me to call the recovery dept to see if i owed anything. And sure enough XXXX said i did. I do n't see how this is fair because the debt is paid off and second they should of communicated to XXXX about the account before having people call me and cause XXXX on me and my family. Well on XXXX XXXX or XXXX i received a harassing phone call from XXXX. XXXX told me i need to tell him if i am going to pay it or not. And if not then he will take me to court. Was n't friendly at all. So i was scared and cried after that. Poor service
Product: Debt collection

A lady by the name of XXXX XXXX fron XXXX, tele num, XXXX has continued to call me after speaking to the actual company about the situation. XXXX has also called my contacts I had filled in upon getting the loan without permission. I had missed her call again because of my phones virus detection, saying marketing, hence never answered my phone. XXXX left a voicemail so, I called her back. Once on the phone with her, she didnt want to hear a reason to as why because I owed debt and that the month is ending and they need a payment. I as of six weeks ago was laid of from my job and from a single income family with XXXX children, I told her that I will have no problem paying for the two missed payments that I missed. XXXX didnt want to hear this as she said, I do not care what you think of me or pretty much anything you have to say but youre telling me your not going to pay? I said, thats not what I said. She then started to become very angry and repeatedly said, your not paying, your not paying. I then asked, I have no information to who you are and who you represent. I also have no letter on this. Can you please mail me one? XXXX then told me that she is not a mail service and we already mailed one and I k now you have it. I daid to her, Im sorry but I do not. After yelling at me more she said well, since youre not paying this, cause I need a yes or a no from you, I am transfering you. Another very nice gentleman got on the phone, and I asked if he could mail a letter to me, and he said well, we just did yesterday and I will also email you as well.
Product: Mortgage

I have been trying to get a loan modification from OCWEN for almost two years. They have put me through the ringer. My account is a XXXX account. When I ask for a modification they just raise my monthly payments and extend the loan but never give me a modification. Many of my payments were not reported. I ask OCWEN to send me a copy of my original contract with my payment history but they just refuse. They ask me to send the same paper work over and over again. This seems to be a never ending story. THIS IS UNLAWFUL. PLEASE HELP ME. I bought this home in 2007 THAT IS MY XXXX DREAM. IT IS HORRIFIC TO THINK THAT I COULD LOSE IT DUE TO THE ILLEGAL ACTIONS OF OCWEN!!!!!
Product: Credit card or prepaid card

I received a folder with a letter dated XX/XX/XXXX, from Chase Executive Office trying to delete the trade line. Absolutely not. I do not want Chase to delete the trade line FROM AMAZON/CHASE CREDIT CARD ACCOUNT ENDING IN XXXX OR ANY ACCOUNT I HAVE WITH CHASE. 
ALSO, MY COMMUNICATION WITH CHASE WILL BE IN WRITING ONLY AS I COMMUNICATED IT WITH CONSUMER FINANCIAL PROTECTION BUREAU AND A STAFF FROM CHASE EXECUTIVE OFFICE BACK IN XX/XX/XXXX. I WAS IGNORED BY CHASE WHEN I TRIED TO REACH THEM AND SENT BACK TO AMAZON. 
With the letter dated XX/XX/XXXX, there were Amazon/Chase Credit Card Statements from XX/XX/XXXX to XX/XX/XXXX. I have complaints made against those Credit Card Statements from Chase. ( See Complaint # XXXX submitted XX/XX/XXXX and Complaint # XXXX submitted XX/XX/XXXX ). Both Complaints are still standing. There were no clear answers given to my questions by Chase. All I received were lies and inconclusive answers. Now I am wondering what kind of scheme is Chase planning against me by sending me a Credit Card statement on XX/XX/XXXX, from XX/XX/XXXX? 
IN THE SAME FOLDER DATED XX/XX/XXXX, THERE IS AN AMAZON/CHASE CREDIT CARD STATEMENT DATED XX/XX/XXXX SENT TO MY ATTENTION, CONSUMER FINANCIAL PROTECTION BUREAU, AND NEW YORK DEPARTMENT OF FINANCIAL SERVICES, ATT : XXXX XXXX, AGENCY CASE XXXX?. ( SEE STATEMENT ATTACHED ). 
MY QUESTIONS TO CHASE EXECUTIVE OFFICE ARE : 1 ) WHY THE STATEMENT FROM XX/XX/XXXX WAS SENT IN THE FOLDER DATED XX/XX/XXXX? 
2 ) WHAT IS THE PURPOSE AND REASON OF SENDING THE STATEMENT FROM XX/XX/XXXX? 
I NEED A FULL OF EXPLANATION OF WHY THE STATEMENT FROM XX/XX/XXXX WAS SENT?
Product: Debt collection

I have never taken out a payday loan through ANY cash advance company. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with Speedy Cash.
Product: Mortgage

Quicken Loans assessed my mortgage account {$24.00} for a mortgage payoff statement when I did not request a payoff quote. After investigating, it turned out that while refinancing my primary residence the loan processor accidentally requested a quote for one of my investment property loans. 

I contacted Quicken Loans regarding the fee and asked for a credit on behalf of the loan processor who accidentally requested a payoff for the wrong loan. The Quicken Loans representative instructed me that they understand the situation but unfortunately can not remove the fee from my account. 

I just do not understand why a loan servicer would be so firm in requesting fees from me for something I didn't request and was done in error on my behalf by a loan processor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not being filed by a 3rd party and is not a duplicate complaint. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have 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. 


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 4. Account XXXX : XXXX Account # XXXX 5. Account Name : XXXX Account # XXXX 6. Account Name : XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX 8. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX  XXXX Account # XXXX 10. Account Name : XXXX XXXX Account # XXXX 11. Account Name : XXXX XXXX  XXXX Account # XXXX 12. Account Name : XXXX XXXX Account # XXXX 13. Account Name : XXXX XXXX  XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX 15. Account Name : XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 16. Account Name : XXXX XXXX Account # XXXX 17. Account Name : XXXX XXXX Account # XXXX 18. Account Name : XXXX XXXX Account # XXXX 19. Account Name : XXXX Account # XXXX 20. Account Name : XXXX Account # XXXX 21. Account Name : XXXX Account # XXXX 22. Account Name : XXXX XXXX Account # XXXX 23. Account Name : XXXX XXXX Account # XXXX 24 Account Name : XXXX ACCEPTANCE Account # XXXX 25. Account Name : XXXX XXXX Account # XXXX 26. Account Name : XXXX XXXX Account # XXXX 27. Account Name : XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had to do a voluntary repot on a truck. USAA said they would auction the truck then allow us to make payments on outstanding balance. The day they sent us the payment arrangements, they also sent it to collections. They closed my wifes long standing credit card with them as well because it looked like we were in default on the truck without the chance to ever set up payment arrangements. My wife called USAA, they said they were sorry, they messed up bye sending it to collections but were unable to reverse the closure of the credit card. This reduced my wifes credit score bye over 200 points. We were told sorry, its our mistake but we cant fix it.
Product: Checking or savings account

53 bank has placed 4 {$500000.00} dollar holds on 4 of my accounts that's XXXX XXXX dollars they say that is because the accounts are pending closure but how does that mean I owe them XXXX XXXX dollars so I have 4 account showing negative {$500000.00} dollars how is it that banks can just put a levee on an account like that I don't owe them XXXX XXXX dollars
Product: Checking or savings account

on XXXX XX/XX/2021, Wells Fargo opened an account with my name even though all 3 credit bureaus credit were frozen years ago. On XXXX XXXX, i contacted Wells Fargo and told them the accounts were opened fraudalently. 

Again on XXXX XXXX Wells Fargo opened another account even though all credit bureau accounts were frozen years ago. On XXXX XXXX I contacted Wells Fargo re account opening illegaly. 

On XXXX XXXX, i contacted Wells Fargo and asked them to make an annotation never to open an account in my name. They said they would make a note of it. 

On XXXX XX/XX/2021, I received notification Wells Fargo again opened accounts in my name online with all the credit bureaus frozen.
Product: Money transfer, virtual currency, or money service

To BofA CEO XXXX : a call from yet another programmed BofA rep. The bottom line is that as q long-time BofA customer I accepted an offer for a money transfer under certain no charge conditions and it was NEVER disclosed that to ask for an increase I would to have to wait three months or effectively AFTER the offer had expired. Because they say Im not a long-time customer. Well, I have been such a customer for over 18 years. So this is NOT about my credit. This is a bait and switch which I will report to the consumer protection agency. You need to be reminded with all due respect, sir, of the original intentions of the Bank of America in XXXX XXXX after the big fire at the turn of last century. To help people and be honest. The banks current rapacious scorched earth reputation is well deserved. A copy of this goes to the consumer protection agency. Please no more phone robot calls with various programmed individuals. Thank you.
Product: Credit reporting or other personal consumer reports

i have reporting of late payment and collections on XXXX XXXX XXXX XXXX debt amount of XXXX collection started XX/XX/year> and i have no idea of the account no late payments shown just a collection. no report of me owning what ever the collections is. 

also XXXX for XXXX in collection when it says it was paid off but its in collection. the account was never late no one day but it is showing collection. 


XXXX XXXX XXXX it is showing late multiple times with the same amount of time consecutive which it shouldn't even be showing late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00XXXX XXXX XXXX