23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint before but my aunt used my email. I believe there was some confusion. I am resubmitting it. This account does not belong to me. My XXXX XXXX ID XXXX. This accounts does not belong to me. My first child was born in XXXX and prior to that I was XXXX. 

1 ) XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX  ) XX/XX/XXXX {$0.00} Balance Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX/XXXX  XXXX   REMOVE THESE FRAUDULENT ITEMS IMMEDIATELY PLEASE. Thank you.
Product: Checking or savings account

XX/XX/23 - Chime sends me an unexpected email notifying me that they will be closing my account on XX/XX/23. 
XX/XX/23 - I remove {$20000.00} from my account. 
XX/XX/23 - I remove another {$20000.00} from my account. 
XX/XX/23 - I try to remove the remaining funds in my account ( approximately {$27000.00} ) but I can not because of the {$50000.00} monthly transfer limit. 
XX/XX/23 - I speak directly with a Chime XXXX XXXX XXXX. They will not increase the transfer limit so that I can remove my remaining funds. They will not allow me to wire the funds to another account. They will not tell me the specific compliance reason why they've chosen to close my account. I explain that I do not want the funds sent to me in the mail. They explain that this is the only way they can remove any remaining funds in my account. 
XX/XX/23 - The date that Chime closes my account. Funds remain in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unreconized credit inquires i did not allow are the following 1. XXXX  XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX, XXXX XX/XX/XXXX
Product: Mortgage

Several attempts have been made to contact Wells Fargo for release of lien for a home equity line of credit that has been satisfied. Case # XXXX was created with no resolution. The account was created in XX/XX/2001. When contacting Wells Fargo, no one is able to locate the account or documentation to evidence the lien release. The requested checklist has been completed and faxed to Wells Fargo. The current sale of the property is currently in jeopardy since this lien remains outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to my XXXX closed accounts, Capital One did not conspicuously or clearly disclose that they would report my non public information. They also did not provide a form for me to opt out of selling my private consumer information to third parties. These actions violate 15 U.S.C. 1681b, 15 U.S.C. 6801, & 15 U.S.C. 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this with TRANSUNION, their website will not allow me to upload supporting documentation. They will not allow me to email them this documentation. I do not have transportation to get to the mail or print this documentation. I am a victim of identity theft. They continue to repot damaging information which is a result of fraud although I have identified that the accounts were opened fraudulently. I have received notification from XXXX that they have closed the account after I sent them supporting documentation of the fraud, however, TRANSUNION continues to report it. 

There are 2 fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXX 15 US Code 1681c-2 states " a consumer reporting agency shall block the information in the file that THE CONSUMER identifies as information that resulted from an alleged identity theft, not later than 4 business days '' I have called multiple times and have sent in documentation of the identity theft several times since XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to Transunion, XXXX, XXXX and XXXX multiple times starting XX/XX/2018 to XX/XX/2018 asking them to verify the Chapter XXXX Bankruptcy information in my credit reports. The response I get from them is a letter saying that they verified the Bankruptcy, or it was certified by the Bankruptcy Court, and that it is valid per a third party source. I sent another letter requesting documentation for accuracy, and I still get the same response saying it was verified. So, I sent a certified letter to the courts asking for information on them reporting to credit reporting agencies. I received a letter back from the Bankruptcy Court stating that they Do Not Report, or Verify any information to Credit Reporting Agencies. I then sent the letter I received from the Bankruptcy Court to Transunion, XXXX, XXXX   and XXXX, and they still comes back with the same response, that it was verified. So, if the court did not verify or report the information it should not be reporting on my credit reports.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received letters about three credit card accounts or applications that I did not apply for, including two letters from Comenity Capital Bank ( one on behalf of XXXX 's and one on behalf of XXXX ). I contacted Comenity immediately ( on XX/XX/XXXX ) to notify them of the fraudulent activity in my name. I also placed a fraud alert on my credit file and I filed an Identity Theft Report with the Federal Trade Commission ( Report # XXXX ). I was also alerted by my employer that I was the victim of a data breach in XX/XX/XXXX that exposed my personal information ( including my Social Security Number ). Comenity Bank indicated that they would initiate an investigation of the account. In early XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that they found no basis to support my claim of fraud and will commence forwarding statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This mortgage was closed and paid in full to Caliber during a refinance. Caliber is  reporting the XXXX Payment Late and the Account still remaining open with a late payment history in XX/XX/2019. It needs to show closed in XX/XX/2019, and paid as agreed with a {$0.00} balance as of XXXX XXXX.They refused to make any corrections -despite the numerous calls to customer service. They also refuse to transfer me to the department in charge of credit reporting, and also the legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX
Product: Bank account or service

I was checking my bank account to see if my check was posted on Monday, throughout the day it appeared that I had plenty of funds. The next day, I checked my account and the check was listed as posted the day before, and a XXXX dollar fee was assessed by Bank of America. I spoke to them via chat function and they stated that they let the check go through and assessed the fee. They would not refund the fee as they state that the check. was posted on the day before ( even though it did not appear on my online banking app )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Experian for Inaccurate Reporting Dear Sir/Madam, I am writing to formally file a complaint against Experian regarding inaccurate reporting on my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 7 ). 

On XX/XX/year>, I spoke with XXXX XXXX XXXX ( XXXX  ), which confirmed that my account was never reported as a charge-off ; rather, it has been reported as current. This information contradicts the negative reporting I have observed on my Experian consumer report. The account has been inaccurately reported for over one year, causing me undue stress and potential harm to my credit standing. 

According to the FCRA, consumer reporting agencies are required to conduct a thorough investigation before placing any negative information on a consumer report. Additionally, they must provide a description of the reinvestigation procedure within 15 days of receiving a request. I believe Experian has failed to uphold these regulations. Also on the Experian app report, it's different from the report I pulled from Annual Credit Report. 

I am attaching a copy of the transcript from my conversation with ACA for your review. This document should serve as evidence of the inaccurate reporting and the violation of my rights under the FCRA. 

I respectfully request that this account be removed from my consumer report to rectify this situation. Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely,
Product: Debt collection

Repeaditly calling all throughout the day while I'm at work. Leaving messages on my voicemail saying they are trying to serve me papers, leaving messages on my wife 's phone saying they're trying to serve me papers. They calling from different numbers so, I don't know what is what. I'm struggling right now in this pandemic so I'm in able to make a payment right now and it's really nerve wrecking. The calls come everyday. I check my credit report weekly so I know what I owe and who I owe. 

Midland Credit Management
Product: Money transfer, virtual currency, or money service

Hi CFPB, My full name matching my passport XXXX XXXX XXXX Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com it stole all my moneys XXXX. 

im XXXX, i play in the XXXX XXXX and i give my XXXX XXXX XXXX to friends in the XXXX XXXX, i XXXX  items in the XXXX XXXX XXXX and i XXXX  it to my XXXX  in the XXXX, the XXXX XXXX me by Paypal bank, because Paypal monopolize the market in the internet and she is dominant 70 % of buyers online work with it, she is good with buyers but sellers like me not, she punish them harshly, this is 4 years I work with paypal and I know it, she dont protect digital product, the probleme why paypal Ban my first account is : I give my service to 100 customers, and one of this customers is scammer he do dispute he says to paypal I dont receive my physical product and paypal give him back the money and Ban me, its bad to paypal ban me, 1 bad man Ban my account!!!! we can't receive payment by bank transfer ( you need to waiting 10 days to receive your money ) or other service, we have just Paypal in the internet to receive the money quickly, i live with this service with my family, I don't know why paypal block my accounts, she told me : after 180 days you can withdraw your money, im waiting 180 days, but i fund Paypal took all my money : XXXX, its not good to took money people, she take the money by force and you can't do anything, pls help me to get my money back, im poor and i have just this money for living, i invest it to buy items in the game and sell it, im a good man ; im not a hacker or scamer, i want just to live with peace, Paypal told me after XXXX you get your money, this is what I want, to give me my money from my accounts Paypal, it passed 180 days and I dont have any dispute or problem with customers, so give me my money XXXX. Its my investement and my profite, -PayPal transferred my whole balance and took my hard earned money, Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

- XXXX, I support my family and gather to get married and buy a house. 

- This all my accounts Paypal : XXXX / XXXX/ XXXX / XXXX/ and this is the account of my sister of mother, I used it with her consent : XXXX, total is XXXX - They steal my money in the month 7.

-I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward for your reply. 
Thank you
Product: Mortgage

I received a notice that I do not have insurance on my home and threatened to have insurance bought for me. I have insurance and provided proof of insurance at the time of switching companies. Now I am responding to your letter a second time and nobody in the insurance department will answer the phone. After 25 minutes on hold you disconnect me. If you are unable to service my loan sell the servicing rights. Most incompent bank I've ever dealt with.
Product: Debt collection

I received a call from Credit management, so I advised the representative to write to my address on the debt the company is trying to collect. Some days later, a letter was received and I file a dispute on credit management asking them to provided verification and appropriate documentation to verify the debt. 

On XX/XX/2022, a received another letter stating that the account I disputed had been reviewed and confirmed in Credit management office without sending any prove of documentation from the creditor.
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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have made numerous complaints to CFPB about our mortgage over the years because it keeps being moved from company to company due to lawsuits and injunctions from the government due to the practices of these mortgage companies. My loan went from XXXX ( which went under due to bad loans ) to XXXX XXXX XXXX XXXX which was sued by the gov't due to not modifying properties with bailout money ) to Greentree ( who had an injunction against them from the gov't for not modifying properties ) and now onto Ditech. I paid three times what the house was really worth in XXXX and was hit with the housing crash and could not sell the property. I had a XXXX baby in XXXX and lost income due to caring for her and I spoke with Bank XXXX XXXX EVERYDAY for an entire year who assured me over and over we would work out a modification no problem. They then sent me a proposal for a modification where they INCREASED the mortgage from {$1100.00} to {$1900.00} a month! Then Greentree took over, I applied for a modification with them, never heard a word, put the house up for short sale, had numerous offers, Greentree turned down every one. Then Ditech took over, I applied for a loan re-modification with Ditech and were approved to make XXXX payments of {$960.00} with no details of the permanent modification on the temp agreement. We made all XXXX payments on time and were sent the contract for the permanent modification this month. This modification is HORRIFIC. It not only has a balloon interest, a balloon principle but also {$100000.00} added on for " fees. '' Ditech claims this modification is under the HAMP " Making Our Homes Affordable '' program, but in researching that program they are completely violating the entire program. They are basically asking us to agree to pay {$400000.00} for a property that is worth maybe {$140000.00} on a good day. Stating that when the mortgage is " paid off '' we will then also owe a lump sum of {$100000.00}. This is the kind of loan that caused the housing crisis in the first place. We are now going to see an increase in foreclosures AGAIN due to these outrageous and crooked modification loans that the banks and loan agencies are pushing on desperate, uninformed people. They are disguising these loans with low monthly payments but putting massive debt on these properties on the back end. How is this " Making Homes Affordable ''????? The government needs to be made aware of these horrific loans happening again. I work in the court system and see it daily, my husband is a XXXX, we have XXXX small children. Our youngest has had many health issues and constant therapist and specialist visits, we do not need the added stress of a bank trying to XXXX us over. I have been in court with a pending foreclosure for this property and it has been nothing but a nightmare. I can pay a mortgage but will not pay XXXX times what my house is worth and pay for hundreds of thousands of dollars in " fees. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Key Bank accounts # XXXX and # XXXX are reporting a debt I do not owe. These accounts are past the statute of limitations. These should no longer be on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX DE XXXX has not sent me a wet ink signature to validate the alleged account they say I have with them. 

I have sent numerous certified letters to this company asking for a contract ; an account number, ( i do not have one ), and an immediate deletion of ANY notation or listed item on ANY credit report ( s ) that they utilize.

I have received nothing!

This is extremely injurious to my credit score an
d credit reports ; harmful to my reputation ; stopping me from buying a house, car or other credit products, and is a violation of several state and federal laws! ( FRCA, FDCPA, state laws in Missouri to name a few ). 

I need this item removed from my credit reports ; XXXX, XXXX, XXXX etc IMMEDIATELY! 

XXXX has already deleted this item because it was not verified. 

What is wrong with the other credit reporting agencies? 

To date they have not responded except to say they verified the alleged debt through " parroting ''! This is also illegal! 

DELETE THIS ACCOUNT IMMEDIATELY! My next step is a lawsuit AND I have informed them of this also!
Product: Debt collection

I filed a Identity Theft Report with the FTC and local police department. I can provide scans of both. 
I then, submitted a complaint with the CFPB against XXXX XXXX, who said theyd stop contacting me and stop trying to collect this debt ( due to the fact I do not owe it - it was the result of identity theft. ) They went away but then a couple days ago I received a letter from LVNV Funding Llc. stating they bought the debt. 
I immediately sent a certified letter on XXXX to LVNV Funding Llc. with the identity theft report, the data breach letters I received ( that resulted in my identity being stolen ), as well as proof of identity, and a dispute letter ( due to this debt not being mine ). 

Ive attached a photo of the letter mailed, my identity theft report, and other supporting documents.
Product: Checking or savings account

XXXX XXXX is XXXX XXXX XXXX and stays with me her daughter XXXX XXXX in LA and her money was with drawn fraud and theft i did report it to Wells Fargo but they never got back to us or said anything to us I called back and they said the claim was closed and could not say more. I never Got a Letter or call from Wells Fargo. We do have a police report.
Product: Debt collection

I used to be a XXXX  customer and happened to getting internet service only from the company until on XX/XX/XXXX I've decided to leave the company after increasing my bill for up to over 50 % of the original package which was $ XXXX/month I had with the company when I first signed up with them back to XXXX. On XX/XX/XXXX I have made a payment in the amount of {$190.00} with XXXX which was the amount due on my internet bill at that time and to my knowledge my XXXX account for my internet services should automatically become current but that payment had never reflected on my account ; therefore I have switched to XXXXXXXX on XX/XX/XXXX which is the first bill I have received from the company. However, I've decided not to pay the month of XX/XX/XXXX with XXXX due to the fact I have contacted XXXX and paid for new internet services ; therefore XXXX has disconnected my services in the first week of XX/XX/XXXX then sent me a notice of disconnection on XX/XX/XXXX for past due balance of {$100.00}. On XX/XX/XXXX XXXX has released my bill report to a collection agency called Southwest Credit stating that I owe the company {$220.00} which is totally false and I have proof that my account was paid and current with XXXX on XX/XX/XXXX and besides XXXX has charged my account again for unreturned equipment which was returned in XX/XX/XXXX and I have a confirmation email from XXXX as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and  they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Mortgage

Original complaint number is XXXX submitted XX/XX/XXXX. Since my last complaint I have received most of the information that I needed including loss mitigations options. Which resulted in me now being in the second month of a three month trial modification. However there is still a least one concern that I have that I still ca n't seem to get a clear answer form Caliber Home Loans on, on or aboutXXXXXXXX I sent a " Request for Information '' letter Caliber Homes requesting Corporate Resolutions, Power of Attorney, etc.. Since then I have received a whole packet of the same information that I have received in the past. I am requesting more in debt information that includes from whom, where and when these people where given the authority to transfer the " Deed of Trust ''. XXXX name that we are concerned about is XXXX " XXXX XXXX '' ( XXXX XXXX ). This name appears on " Assignment Of Deed Of Trust '' dated XX/XX/XXXX and filed in North Carolina Register of Deeds office in the County of XXXX on XX/XX/XXXX By XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX with Caliber Home Loans Inc. ( As Attorney in Fact ). My questions to Caliber Homes is ( 1 ) Who was XXXX working for at the time and dates in question? ( 2 ) Does Caliber Homes have in there records a " Certificate of Incumbency '', Corporate Resolution, Power of Attorney, etc. for this person regardless of who they worked for at the time and dates in question? ( 3 ) Will Caliber Home Loans, Inc. forward that information to me ASAP?