23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Well Chase has decided not to do business with me.I found this out at XXXX Saturday XXXX XXXX after a one week delay in handling a claim I filed on XXXX XXXX. To this day I have yet to receive any correspondence from Chase. All correspondence has been done by me with no information or cooperation from Chase. I have been denied access to my money and account for over a week with no reason given.When I call I am transfered to a call center XXXX. No answers or help there, still no access to my money.Close the account no time period giiven I was shocked, told them I have direct deposits coming in, was told I would have access to my account for 10 days. Never happened next day account restricted, I had a direct deposit go into account, no access allowed, at first told I will receive money in a day or XXXX. My response unacceptable you ca n't do that with my money. Request to speak to someone else, switched back to XXXX which they tell me there is no sign of a direct deposit. So not a email not a phone call or a letter from Chase to this day.And still no access to account.
Product: Credit reporting or other personal consumer reports

I ask Experian and XXXX please review the address and phone number associated with XXXX credit card account is not mine. I dont recognize nor have have I ever lived at the address associated with the XXXX credit card account. This account was fraudulently opened without my knowledge. XXXX has done a thorough investigation and acknowledged that the XXXX credit account was fraudulently opened and XXXX has removed it from my credit record. Please help me and do the same as XXXX did. Its been frustrating for years of disputes with Experian and XXXX and has gone nowhere. Because of this credit remark, I have been turned down by apartment rental agencies, I cant find a decent place to live. I have been denied by loan companies and car rental companies. I have filed multiple police reports with local police department and online police reports. I have sent both credit bureaus all my documents including all my police reports and consumer finance complaint reports. I dont know what else I could do to help my situation. Please understand and help me remove the XXXX credit card from my credit record. Thank you for your time and your understanding, have a wonderful day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my consumer report. 
I have recently reviewed my consumer report and noticed some unauthorized accounts and in violation of 15 U.S. Code 1681 ( a ) ( 3 ) you guys assumed this role without my permission and you DID NOT have my consent. You guys did not respect my right to privacy which is under 15 U.S. Code 1681 ( a ) ( 4 ). You did not exercise your grave responsibility at all and you were unfair and partial. I have already taken the liberty to file a CFPB report and an Attorney General complaint. You were never given permissible purpose Under 15 U.S. Code 1681b ( a ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place, What I am demanding right now is that you guys delete all of these accounts listed below off of my report immediately.

I would like to state pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system.

According to my written instructions which I have full authority to give you under my rights as a natural person/consumer pursuant to 15 U.S Code 1681b ( a ) ( 2 ) I am exercising my right and I demand these inaccurate accounts be deleted immediately. Willful noncompliance by your company will result in me seeking legal action. 

WRITTEN INSTRUCTION DELETE FOLLOWING ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

In XX/XX/2018, I had sent the collection company a letter to Validate an account that was appearing on both XXXX  & XXXX credit reports. I had disputed this account with the credit bureaus on numerous of occasions only to get back responses that the account has been VERIFIED but like I mentioned they never VALIDATED the account. The collection agency sent me a copy of a judgment which I wasnt aware of, they never sent me nothing via usps mail stating that they were attempting to collect this debt & lastly I DIDNT receive anything from them stating that they were suing me. After they sent me the copy of judgment is when I searched court records to verify that in fact they not only got a JUDGMENT on this account but that they are also enlisted this very same account as a COLLECTIONS DEBT with the 2 Credit Bureaus listed earlier in my statement
Product: Credit reporting or other personal consumer reports

Account XXXX XXXXXXXX XXXX  was not deleted after inaccurate information is still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the attached FTC ID Theft report, there are several inquiries on my credit report, they are all listed accordingly on that report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for any credit with your company.      This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater  ;
Product: Money transfer, virtual currency, or money service

Wired $ XXXX USD to CoinBase on XXXX XXXX, XXXX. Was told the wire was rejected around XXXX that evening, but the bank shows the charge as being accepted. I was sent a message explaining why the wire was rejected and that it would be returned in 3-5 business days. It is now XXXX XXXX, XXXX and have had no luck dealing with Coin Base through any of their 3 forms or support.
Product: Mortgage

Date XXXX XXXX 2017 My jumbo mortgage is now being serviced by Nationstar Mortgage, who bought it from the former service. My mortgage payment is typically debited from our joint checking account on the first of the month. <P/>My husband called Nationstar several times this month to ask whether it would be drawing the XXXX 2017 payment from our account or whether we should send a check, and was told ( variously ) that we " would be getting a welcome package, '' " to wait a few days '' and that Nationstar " could not speak to him about a house in my name. '' He finally asked me to call. <P/>I called today and spoke to " XXXX. '' I wanted to make the XXXX payment, had " no loan number yet '' and that I should n't worry about the XXXX payment because I would not be charged a " service fee for 60 days if I were late. '' I was furious as I am a former loan officer and knew that a late mortgage payment would affect my credit score. I asked for a supervisor and told her I did n't care about avoiding a late fee, I wanted to pay my mortgage. At that point, I was told " that the line was being recorded, '' at which point I told her to give me someone who could resolve the issue because I was going to the CFPB and the Texas Attorney General. I was stunned that she was urging me to stop worrying about paying my mortgage for " 60 days. '' That is when she gave me the loan number. <P/>What is happening here is obvious. Nationstar lies to customers in hopes of collecting fees from the mortgage holder for collections. This company needs to be closed down, as I have never heard so many lies in such a short period of time. They do not deserve the fiduciary responsibility associated with servicing the largest investment most families will make in a life time. <P/>I can not imagine how it would be to call Nationstar with a problem
Product: Debt collection

I get repeated calls from about 7 different area code XXXX phone numbers. The company is CBE Group which internet says is a debt collection agency. I just ran my credit report and the 3 services show no outstanding debts. I have asked them to stop. They won't tell me why they are calling me repeatedly, all hours day and night. 

Here are their phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I called XXXX XXXX and let the company know i could not longer afford to make my payments due to me losing my job. Up until XXXX I made my payments on time. XX/XX/XXXX the vehicle was picked up at my home. I never heard anything else about the XXXX. I was not contacted about the vehicle sold or anything. I recently pulled my credit and noticed a balance in the amount of {$11000.00}. 

According to XXXX XXXX on XX/XX/XXXX the XXXX XXXX had been sold on XX/XX/XXXX for {$6400.00}. At the time when the van was surrendered i only owed {$8700.00}, so therefore i would only owed XXXX XXXX {$2300.00}. I was not giving a fair chance to even recover my Van. I was unaware that the van was even sold or that even owed a balance. 

The company is reporting incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

Previously was in dispute with Navy FCU the accounts have been paid, XXXX still showing outstanding balance and causing me to get denied for credit.
Product: Credit reporting

All collections accounts were DELETED from my credit file on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, the deleted accounts were RE-ADDED to my credit report. I called Equifax to have them deleted again. Now, on XXXX/XXXX/XXXX, the same collection has been added under a different collector 's name. I called the collector and confirmed that the amount is the same. They claimed they changed the company name. These collections items are deleted and re-added to my report about every 20 days. Also I have requested that the XXXX Bank account closed in XXXX be removed as it has not ever belonged to me.
Product: Vehicle loan or lease

The information submitted by the company is not visible. I request that the company provide all the information they have related to my identity and make it accessible so I can verify it. I have lived in New York City my entire life and have only purchased XXXX XXXX XXXX XXXXwhich was included in my bankruptcy. The car was priced at approximately {$20000.00}. 

The loan from this company is for {$50000.00}, but I have never purchased a car worth that amount, nor have I ever done business with a company by this name. This account was opened fraudulently, as I have never purchased a car in New York beyond the one previously mentioned.
Product: Credit reporting or other personal consumer reports

Equifax illegally reinserted XXXX XXXX XXXX  XXXX on my credit report after I submitted my dispute via CFPB # XXXX on XX/XX/year> and received the results via CFPB portal on XX/XX/year>. ( See Screenshots ) I initially disputed this account because my privacy rights were violated. FCRA Section 602 states I have a right to privacy.FCRA Section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish information without written instructions from the consumer.

Equifax is in violation of the FCRA because the agency did not follow reasonable procedures when they illegally reinserted this information that should not have been reporting in the first place.

At this time my rights as a federally protected consumer have been violated further due to the reinsertion of this account. Remove XXXX XXXX XXXX  from my credit report again or I will seek legal advice.
Product: Mortgage

PennyMac Loan Services , LLC owes my husband and I an escrow balance check in the amount of {$730.00}. This check was suppose to arrive in XXXX of XXXX, due to it being initiated on XX/XX/XXXX and it was originally given 3 weeks to arrive. I attempted to contact Penny Mac many times in XXXX & XXXX, to constantly busy phone lines. I was able to speak to a Penny Mac representative, in XXXX of XXXX, who " resent '' the check, and was told to wait another 5-6 weeks. The check still has not arrived and the formal complaint section on the Penny Mac website never actually submits a complaint, instead it produces an error message " unable to submit. ''
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX  - XXXX, XXXX  - XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX  - XXXX, XXXX XXXX - XXXX FSB XXXX  XXXX BALANCED  {$420.00} XXXX XXXX XXXX XXXX XXXX BALANCED  {$5600.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$480.00} XXXX XXXX XXXX BALANCED {$700.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX  XXXX BALANCED {$480.00} The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Mortgage

Freedom Mortgage : My spouse passed away XX/XX/XXXX, he was the one that took out the mortgage XX/XX/XXXX and I am the successor of interest. It took several months to get to the proper department-multiple phone calls, emails, faxes, etc. in spite of providing the proper documentation from XX/XX/XXXX through XX/XX/XXXX. I was getting misinformation and ping ponged between multiple departments & people in addition to emails that were of someone else 's loan information. They did not supply with the proper paperwork as guided by RESPA-deed, loan terms escrow, insurance, taxes, etc. I have kept the mortgage up to date. 
As of XX/XX/XXXX, I was notified via letter that I was denied the assumption but did not state the specific reasons. Within the letter, it states that I can request a statement of specific reasons. I have requested via phone and email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Despite being asked for the entire accounting of my assets, or the ability to lower the balance, never were those considered when making their calculations, just the income. This situation is forcing me to attempt to refinance and force those extra costs onto me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently just obtained a copy of my credit report. This letter represents a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate, according to 15 U.S.C 1681, fair and accurate information must be reported to the credit report. The person to whom the alleged debt belongs to is not me. I am demanding validation of this debt according to 15 U.S.C 1692G, I am demanding that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. This inaccurate information is a mistake on your company or the reporting creditors part. Because of the mistake on my credit report, I have been wrongfully denied for credit recently, which was highly embarrassing and impacted my lifestyle. Additionally, and reporting this debt to the credit bureaus prior to allowing me to validate it may be a violation of the FCRA ( Fair Credit Reporting Act ) which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removed from the credit bureaus
Product: Debt collection

LVNV FUNDING reported a debt on my credit report without any contacting me. I didn't find out about this debt they claim I owe until I checked my credit report. my credit report states that I owe LVNV FUNDING {$780.00}. Credit report shows that the account was open XX/XX/2022. I disputed the debt and XXXX stated that the debt was verified. I never received any information about the debt from LVNV FUNDING.
Product: Debt collection

I affirm that now I am invoking my creditor status as a Federally Protected Consumer in fact, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an hold on my account. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of fraud. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I cant access my funds ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. Invasion of Individual and Family Privacy.
Product: Debt collection

I received notification from my employer via USPostal service, that my wages were being garnished beginning XX/XX/XXXX in the amount of 25 % to a debt that I know nothing about. There was a hearing sometime in XX/XX/XXXX, which I never received any type of notification of, and the judgement went to this debt collector whom I have never in my life signed a contract with for any type of services. From what I could tell by what was sent to me by my employer, they received notification from the XXXX County Municipal court to garnish my wages to be paid to Galaxy Portfolios , LLC, c/o XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX, which had apparently filed a claim in XX/XX/XXXX, saying that I owed them something like {$7000.00}, which I have no knowledge of this nor have I ever signed a contract with any of these companies. From that judgement in XXXX, they have now filed saying I owe over {$18000.00} for what I have no idea, and have won a garnishment due to falsely sending notifications to an address that I do not have, under a married name that I have not had since XXXX when I got divorced!!!! This is such a violation!!! they are now taking money from my paycheck, that they falsely have obtained through unfair debt collection!! Please HELP!!!!!! During this time of COVID-19, I can not afford to be abused this way!!! I was never contacted regarding the initial judgement 20+ years ago, had no idea of anything about it, until the garnishment came from my employer with copies of the paperwork they were sent. I've never known anything about any of this, had I, I would have had representation and fought for my rights! They did not send the notice of hearing for the garnishment hearing or whatever it was, in XX/XX/XXXX, so I had no way to know to show up! This is how they win by being deceitful! I do not owe them any of this money and they are taking it from my pay!!!
Product: Credit reporting or other personal consumer reports

I have initiated and investigation with XXXX Sheriffs Office and filed a police report. The details are listed below. 

Police Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sheriff : XXXX XXXX XXXX XXXX ) XXXX XXXX The following accounts have 30 days to respond to this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has violated the consumer laws and is reporting something on my credit report that is incorrect. Ive provided 3 examples of this as proof. They admitted the accounts are incorrect and they are still reporting them. These are just 3 examples of this all of the accounts that they have done this are XXXX XXXX  bankruptcy 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 Please remove all of this accounts IMMEDIATELY as they violate my laws because they are incorrect. Thank you
Product: Mortgage

Lender is pressuring me/ deceiving me in to purchasing products/ repairs I DO NOT NEED OR WANT