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

I have a savings account at Chase JP Morgan Bank. 
Account Number : XXXX Account Name : XXXX XXXX and XXXX XXXX ( Hight School Checking ) I recently disputed three debit card transactions with Chase. My claim # is : XXXX The disputes are for $ XXXX XXXX Transaction Date XXXX {$100.00} XXXX Transaction Date XX/XX/ $ XXXX XXXX Transaction Date XX/XX/23 I told the rep. at Chase that all the charges were fraudulent. They did a research and said that the charges are from an XXXX XXXX device. They denied the fraud claim because it was connected to a previous payment transaction. Basically since it's my device, and it's a financial transaction, I have to go to XXXX. They say that they are not responsible. I told them that there is evidence that a phone can be hacked, and the XXXX Signal could be interrupted by the airways. I pointed out this article published in XXXX XXXX. 
This is the link to the article : XXXX XXXX XXXXXXXX I told them that I can get a police report but they do not care. They denied the claim. I did say that I'm a client for over 25 years and keep over {$7000.00} in their account. This is the same as someone stealing my credit card. They money was basically taken from my bank ( Chase ). XXXX was just the middle man that gave my money to the vendors. The signal was stolen ( same as my credit card information ). The signal contained my credit card information. I don't think I have to pay this. Chase is not being fare since they have insurance that covers this and can just tell their merchants that this was fraud. I could use some assistance here. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One did not address my request they closed my account which is a direct violation of my consumer right pursuant:15 USC 1602p . They did not respond to my Affidavit Of Truth or my desired remedy, and continue to violate my consumer rights. They did not honor my Cease and Desist or respond to my Affidavit Of Truth. They instead closed my account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX On XX/XX/XXXX Experian received documentation from me stating for my identity " XXXX XXXX XXXX XXXX '' to be furnished, and to remove any unauthorized names that I don't recognize as my legal name. An identity thief used my social security number on XX/XX/XXXX for an fraudulent account with " XXXX XXXX XXXX '', and an unauthorized name " XXXX XXXX '' was strangely furnished to my report by Experian without my written instructions. Experian furnished this without using completely accurate evidence ( a supporting address that links that " XXXX XXXX '' to the address on my report. On XX/XX/XXXX, I attempted to dispute this with Experian. After notifying them, they did not honor the dispute and admitted to not honoring my fcra rights for this dispute when I warned them about it on a recorded line. I am under emotional distress from the unauthorized " XXXX XXXX '' still lingering on my report due to Experian 's failure to take action on this dispute.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 


I am demanding a deletion of the following account : XXXX/XXXX  XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'd like this late payment removed ASAP : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies XXXX, Experian and XXXX   are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the XXXX, Experian and XXXX   companies, and they sell your private and personal information or spread wrong information about you!!! 
XXXX, Experian and XXXX are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
XXXX, Experian and XXXX are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
XXXX, Experian and XXXX track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Date reported : XXXX/XXXX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX Original Amount Owed {$2700.00} Amount {$2700.00} Status Date XXXX/XXXX/XXXX Status UNPAID Balance Date XXXX/XXXX/XXXX Account Designator Code JOINT_ACCOUNT Account Number xxxxx XXXX Creditor Classification Rental or Leasing Last Payment Date Date of First Delinquency XXXX/XXXX/XXXX
Product: Mortgage

I have a loan with Carrington Mortgage. On XX/XX/XXXX I made my payment for the XX/XX/XXXX pmt. Carrington Mortgage held my funds in suspense for over 20 days not applying ti to the regular monthly mortgage payment on my acct which is current. As a result a Notice of Intent to foreclose was sent as well as billing statements threanting to foreclose. However my account was current and has always been current. If they would have applied by funds on XX/XX/XXXX to my XX/XX/XXXX payment no notice of intents or bad billing statements would have been sent. This week on XX/XX/2015 they sent me a letter however it failed to mention why they were holding my funds, it didn't address the notice of intent or billing statements.

On numerous recorded calls Carrington Mortgage attempted to collect on the payment they were holding in suspense. Then after realzing they were holding the funds they simply would say "I dont know what happened and why they were holding my payment in suspense".  Its not right for them to put me thru this as this is my kids home and its simple you cannot attempt to collect on a debt thats not owed and my XX/XX/2015 was not owed as they had it applied to my suspnese account. Additionally they said they cant help the fact that the notice of intent was sent as it was system generated. if thats the case How many other customers are being affected by their inadequate processes and procedures? Very concerning and I beleive they owe me for what they put me and my family thru.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) Due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I have had some issues with someone accessing my credit file and using mypersonal information and at this time I would like to request a credit freeze/ Block all accessto my file and contact me directly at my phone XXXX or email me XXXX. I need a PIN for all my credit reports asap. 
I found some incorrectaccounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3XXXX # XXXX 4.XXXX # XXXX 5.XXXX XXXX # XXXX  6.XXXX # XXXX 7.XXXX XXXX # XXXX.XXXX XXXX XXXX # XXXX 9.XXXX XXXX # XXXX  THERE ARESEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASEDELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX, OH XXXX
Product: Debt collection

I began receiving random texts from an unknown code XXXX identifying themself as, " Sunrise, a debt collector ''. No other information was provided except to click on a link. It appeared to be a possible scam. I did not respond to the random text.

Recently, I received an alert that a negative item had been placed on my credit reporting.

I do not recognize this account. This account does not belong to me. On my credit report ( s ) it lists XXXX XXXX as the original owner. There was no other information provided. I am requesting a detailed payment history of this alleged debt, the origination date, the assignment contract chain, the first date of delinquency of the alleged debt, the beginning and end dates of this alleged date as well as proof that this alleged debt is within Maryland 's statute of limitations, amount paid for the alleged debt, the full account number of the account.
Product: Debt collection

National Credit Systems is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. 

For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, CNS PORT SVC, and XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, CNS PORT SVC,  and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I am disputing this hard inquiry because I did not authorize it. Under the Fair Credit Reporting Act ( FCRA ), creditors must have my explicit consent to pull my credit report. I have verified with the company, and they are unable to provide proof of my consent. I am requesting that this unauthorized inquiry be removed from my credit report immediately.
Product: Mortgage

We had trouble paying our mortgage after our trial modification because of problems with getting paid through the commonwealth of Massachusetts. The my father got very sick and has since passed away do I could n't not work. So we applied for the making homes affordable tier XXXX. Of course ocwen is dragging their feet and have put us into foreclosure. They keep requesting new paperwork. We received a bill stating that if we paid the {$15000.00} in back payments we could be reinstated. We can do this when we get my fathers life insurance but that takes a month. Now we have real estate agents calling us constantly and putting our house up on a website for foreclosure ls. All of this is happening while trying to morn my fathers recent passing.
Product: Debt collection

This is a debt collector that bought the debt off a charge off account. I told them to cease and decease contact with me.
Product: Checking or savings account

I was informed by Wells Fargo that they signed me up for accidental insurance without my knowledge, This is not the XXXX time this has happened this is actually the XXXX time I have been targeted. I feel like I have been targeted since I am disable. I live on a fixed income. the time range for the plan was from XX/XX/XXXX to XX/XX/XXXX. 
they sent me a check for XXXX for this but when I asked how much money was taken out of my account they couldn't answer me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX Balance Owed : {$290000.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN THE : F.C.R.A. 15 USC 1681A ( g ). ( see   XXXX    letter )
Product: Mortgage

Refinance closing executed XX/XX/2021 LoanDepot and Closing USA Lender receipt of documents but not check provided to closing agent during signing. Lenders says closing agent lost check 2 days after confirmation of received documents package. Documents and funds shipped in the same package and tracking number. Documents received but check lost check amount {$1200.00}
Product: Student loan

I am submitting a complaint against my student loan servicer, Mohela. 

I applied for the IDR program in XX/XX/2023, and Mohela failed to process my paperwork promptly. Despite multiple calls, I was told my paperwork was still being processed. I had to call at least five times to place a forbearance on my loan while waiting for the paperwork. The first bill I received from Mohela in XXXX was just one week before the payment due date. Mohela only allowed me to place a forbearance for one month and continued billing me. I had to keep calling to extend the forbearance while the IDR was being processed. In XXXX, I was informed that the IDR was not sent to the correct department and had to be resubmitted. 

As of XX/XX/XXXX, it still stated that my IDR was being processed. Once again, I had to call Mohela to inquire and ask to put my loan on forbearance, as I received a bill with a XXXX due date. The representative couldn't help, and I was transferred to a supervisor who was supposed to call me back within 24 hours. The call didn't happen as promised. On XX/XX/XXXX at XXXX XXXX, a supervisor called me back, and after a 30-minute conversation, blamed the XXXX Department of Education for not forwarding my income verification. This contradicted my submission of all required information in XX/XX/2023. I was then asked to certify my income over the phone and have the IDR resubmitted for the third time. 

Mohela 's handling of applications and customer service is subpar, exhibiting disorganization, long hold times, delayed form processing, and errors necessitating multiple calls for forbearance due to their mistakes. Not to mention all the issues on them processing the student loan forgiveness applications in a timely manner. Please address this issue promptly. 

Thank you.
Product: Mortgage

My name is XXXX XXXX, i currently have a mortgage with freedom mortgage. I lost my j9b and became 2 months behind, i have been in loss mitigation for over a year, the company just before XXXX  told me they had all documents and a decision would be in 30 days, never recieved that decision in writing or by phone. Last week i was notified they were missing documents, i sent them to the company and the week before i sent them other documents that they have requested, this has been going on for a year now, plus on top of that every month they include inspection fees. This month when i went to pay the mortgage i found the customer service rep to be extremely rude, i made my payment however she was very persistant about paying the behind payments, i told her we were working with loss mitigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit card or prepaid card

I have submitted a complaint about this company but have additonal information I would like to add as I spoke with them tonight. XX/XX/2020. Previously I had an issue where they lowered my credit line from {$4800.00} down to {$1500.00}. ( Would like to state they did this once before and I complained and my credit line was brought back up to {$4800.00} in the past ). I was told I need to make a payment then request the credit line brought back up. I made a {$300.00} payment and tonight I called and requested to bring this account back from {$1500.00} to {$4800.00} There was a soft inquiry done and was told it was declined. I am not understanding as to why they did this. My feeling is there have been many complaints put in by us about this company as we are still arguing the fact over a fradulant charge in the amount of {$510.00}. I feel we are being punished for something we did not do. I made more than the minimum payment and they still declined the request. I first initally was told when I called tonight that my account was closed with a XXXX  balance. Very misleading information. Because there is NOT a XXXX  balance.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I am writing to formally request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the XXXX data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. 
The fraudulent accounts in question are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party.

I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed within 4 BUSINESS DAYS Additionally see Identity Theft report # XXXX ; XXXX and Idenity Theft report # XXXX
Product: Debt collection

My ex girlfriend evidently put a credit card account in my name without my knowledge in XXXX while she was living with me at that time and I am no longer with her today nor does she live here but since she has been gone I had no idea about this debt or do I own this credit card at all and the only way I found out about this was a warrant in debt to go to court on XX/XX/XXXX XXXX XXXX