23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing this letter in regards to late payment reported by Loan depot my current mortgage company it was for the month of month of XXXX 2017.. On XXXX XXXX, 2017 Loan depot LLC, branch in the XXXX XXXX XXXX, CA called me because I qualified to refinance, my FHA Line of credit.
I agreed to refinance because the new loan was with same mortgage company Loan Depot and we started paperwork, the loan number was XXXX. During the refinance process I was dealing with XXXX XXXX he was processing loan. I asked XXXX XXXX  if I should continue making payments on my current loan.
XXXX XXXX was going to ask supervisor if I needed to make a payment for XXXX. Manager calls me back in regards to payment. I was told hold on wait until they got a payoff amount.
I did not receive anything in mail. I was under the impression that my loan was approved.
I would still be in good standing, because I would have made a payment on time for XXXX. I did not receive a written letter from Loan Depot LLC until XXXX XXXX, 2017 that loan was denied on XXXX XXXX, 2017. That was unethical on their part, the letter should have been mailed earlier.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They are still reporting negative remarks on my credit report which is hindering me from purchasing my first home. I was incarcerated when said case was opened so I could not have opened it.
Product: Debt collection

After noticing the debt on my credit report, I sent a Debt validation letter to Law office of Mitchell Bluhm. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, Mitchell Bluhm did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the Law office of Mitchell Bluhm or any attempts by the debt collector to  validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.
Product: Bank account or service

This is the third complaint I am filing against Chase Credit Card Services. The following will provide the information I have reported to the XXXX CEOs of Chase Bank. I am assuming that they have received the e-mails, although they have not responded. The content of the e-mails regarding this most recent complaint is as follows : To XXXX CC XXXX Message body Dear Sirs : I had written to both of you on XXXX XXXX, XXXX and, once again, XXXX XXXX, XXXX explaining the various complaints and issues I have been experiencing with Chase Credit Card Services. I have filed two complaints against Chase with the Bureau of Consumer Financial Protection and now am going to write for a third time to the Bureau to register another new complaint. 
I check my Chase on-line statement twice a day. When I checked it this morning, the balance was approximately {$320.00} which was correct ; however, when I checked it this evening it was {$410.00}. I did not see any new charges posted to the account that would have caused the additional amount to be added ; therefore, I immediately called Customer Service and was told that a charge had re-posted to the account which had been a fraudulent charge posted by XXXX to my account ending in XXXX. At that time, the Fraud/Security Department had advised me that they would close that account and send me a new credit card with different numbers, which they did. I was also advised that I was not responsible for that charge. I had not only contacted Chase about the fraudulent charge but also XXXX ( which they never responded ) and also the BBB to report the fraudulent activity. I do not know how XXXX got my credit card number but I am adamant about never using their services and therefore not responsible for this charge. Why would this charge be re-posted to my account without notifying me? If it was a fraudulent charge then, it is surely still a fraudulent charge now and I am going to dispute it once again. 
I have been so upset because I have been working with your Corporate team to try to get so many issues resolved and now I feel that Chase has compromised my identity, etc. They are authorizing changes to my account that I never made. I have been asking that they listen to the numerous calls and find out that it was not me that reported a fraudulent charge on XXXX XXXX or told them that I lost my credit card. Over the weekend, I received another new card with new numbers which I knew nothing about and was told that they closed my account ending in XXXX because of either a fraudulent charge or a lost card, none of which I was ever aware of. I am considering filing a complaint in small claims court against Chase for all of the stress and expended time and energy I have had to deal with over their numerous mistakes. 
I will continue to write to both of you until I hear from someone in your office or, in the alternative, until my situation is resolved permanently. 

XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6100.00}, {$11000.00}, {$4200.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- CLOSED ACCOUNTS -- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

XXXX. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I belive stem from identity theft. Pursuant to U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC identitytheft report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputedinformation identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked.

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent INQUIRIESfrom my credit report. 

Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Tuesday, XX/XX/XXXX, I received a notice from XXXX that there had been a hard inquiry of my credit that day. I KNEW it was not me so with further investigation I discovered that a credit card had been applied for from Bank of America and was approved by them. The applicant used my name and address ( they may have used more information but I dont know what else ) and pulled my credit report. 
I called Bank of America to report the issue and they took the information into their fraud unit and gave me a case number. They also told me they would contact XXXX, XXXX and XXXX to have this removed from my report. 
I also contacted each of the three credit reporting companies to have a freeze put on my account, which they tell me was done. 
XXXX has opened a dispute for me in their Identity Theft division. I was told by XXXX to report here in lieu of a police report.
Product: Credit reporting

These XXXX accounts keep getting re-added after being deleted. i have provided the XXXX for the XXXX account and the FTC ID Sworn Statement for the XXXX card account. 
Name : XXXX XXXX Acct # : XXXX Name : XXXX XXXX XXXX Acct # : XXXX These inquiries below are not mines and I have asked the banks directly to delete inquiries. I did not authorize dealer to make all these inquiries to my credit report. I even requested that in my email more than once not to submit deal to any banks. 

Inquiries XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 This is a fraudulent inquiry. 
Inquiries XXXX XXXX XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries null/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : :XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

My issue is with a lot of these creditors that I have not signed a contract with that's affecting my credit. I contacted XXXX about this and they said the information is correct.. I tried disputing and nothing was changed.
Product: Student loan

I have noticed once I went on repayment based on my income, my statements no longer show interest accumulated on a month to month bases. Also noticed it does not show the extra payments being paid. My balance does not show a difference after payments were made. 

I also am noticing my subsidized account is not dropping and the interest is accumulating and unsubsidized loan shows a very small payment. I have made payments that would cover both loan interest for a month. Instead my student loans are barely dropping. My understanding is my interest should be around {$300.00} to {$350.00} but when I have paid {$400.00} a month the payment is only being made to the unsubsided account. 

I was lied to on the phone because prior to my paying my loans back, the website showed my monthly interest. My payments are not being applied to all my interest cause the interest is going up not down.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it  may c oncern, I faxed over a multiple inquiries letter  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017 in   order to dispute information, in regards to over  XXXX  hard inquiries that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request  XXXX   XXXX ,    2017.  The request I submitted was over  XXXX  hard inquiries that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1  ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Product: Credit card or prepaid card

I continue to receive mail, addressed to the former resident of my house, from TD Bank ( credit card services ) even though I have been living here for over 5 years. Their customer service claims they are unable to fix the issue. I do not know if it is just junk mail or legitimate communications they are trying to reach their customer. They directed me to their marketing opt-out hotline, but I refuse to give them my social security number just so they can fix their own customer database.
Product: Credit reporting or other personal consumer reports

I am submitting my 12th complaint to ensure that the following items have been taken off my credit report, in accordance with the FCRA section 605b. Credit Reporting Agencies are obligated to remove any items that have been listed on my identity theft report # XXXX. I plan to review my credit reports again within the next 15 days, and I am hopeful that these items will no longer be present : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX  XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} TRANSUNION : XXXX XXXX XXXXXXXX  Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was given this code " XXXX '' when I tried to open a new XXXX  account. I am unable to find out what it means
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate items reporting on my credit report. I have sent a total of 2 letters to Experian for them to correct the incorrect personal information and incorrect account information they are reporting on my credit report and they have not completed my requests within the allotted 30 day period on 2 separate occasions. I have sent a final 3rd letter to request this inaccurate information be removed
Product: Money transfer, virtual currency, or money service

I am writing to seek your assistance with a issue I am experiencing with the company Blockchain.com. I deposited {$5000.00} into my account on their platform. However, when I attempted to withdraw these funds, the company refused to release them and provided no clear path forward. 

I contacted their customer support, and while they claimed to escalate the issue, no actual progress has been made. My money remains inaccessible without any explanation or resolution from Blockchain.com. 

Upon conducting my own research, I found numerous online complaints from other individuals who describe similar issues with the company. Several customers have even referred to the platform as a scam, although it appears to be a registered entity. This situation leaves me concerned, frustrated, and uncertain about my rights and recourse. 

I kindly request your guidance and any assistance your office can provide in this matter. If additional information or documentation is needed, I am prepared to furnish it promptly. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Private student loan with XXXX was discharged in XXXX XXXX bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX XXXX continues to report a charge off, balance due, and late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the XXXX credit bureau a 609 letter to validate the incorrect accounts that is being reported on my credit report. This was on the XXXX of XX/XX/2022 and have yet to receive any response back in regards to the matter. 

the following accounts are XXXX for {$550.00} XXXX for {$5300.00} XXXX XXXX for {$78.00} XXXX  {$6600.00} XXXX  {$5300.00} XXXX XXXX
Product: Credit card or prepaid card

ive been fighting with TD Bank so longest time. The last conversation I had with XXXX XXXX I paid my bill through her. She told me that my next payment will be due in XXXX. At my car be ready to use again. Then I go use my credit card and it wont work. I called her and she told me theres nothing I can do to call the number. I keep getting the runaround by TD Bank and Im sick of it. She shouldve said something with something like this would happen. I want my car back and I want to be used now. Again td being thinks he can do whatever they think they could do. They need to be held responsible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting this company each month since XXXX. I have contacted Transunion and XXXX as well. I have notified ALL parties of the inaccurate reporting and they have failed to remove the information from my credit reports or even attempt to fix the error. I have attached a copy of the reporting to this complaint. As you can see they are reporting the account in dispute but have failed to correct any errors, in turn compromising my credit profile. 

This company has failed to report my last reported credit limit on this account. The high balance can't be determined. the dates for last activity are inconsistent, XX/XX/XXXX and XX/XX/XXXX. The balance owed is significantly higher than the past due balance and this account has been closed over six years, so the past due amount and amount owed should be the same. XXXX XXXX  XXXX is also reporting to Transunion that this is an unsecured loan and reporting to XXXX that it is a charge account. 

This account is reporting inaccurately per state and federal laws and not reporting up to credit reporting standards per the Consumer Reporting Resources Guide. XXXX XXXX  XXXX have failed to report mandatory information such as my last credit limit.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a case of identity theft and fraudulent activity that has severely impacted my life. While residing in XXXX and during my relocation to a new address, I became the victim of identity theft when XXXX XXXX was arrested for the crime. My mail was intercepted, and this situation has caused immense emotional and financial distress. 

As a result, an auto loan was fraudulently taken out in my name from XXXXXXXX XXXX for the amount of {$55000.00}. I drive a XXXX XXXX, a car that I love and cherish, and I was horrified to discover this fraudulent loan during the global pandemic. Since then, I have been tirelessly fighting to have this fraudulent loan resolved. I feel hopeless. 

XXXXXXXX XXXX allowed this fraud to occur, and both XXXX and XXXX have been slow to respond and take appropriate action, despite knowing the legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, which should have protected me in this instance. Despite the documentation I have provided, including evidence of the fraud, neither the credit agencies nor XXXX have taken adequate steps to rectify this matter. 

This fraudulent activity has had a significant negative impact on my life. My XXXX XXXX XXXX XXXX XXXX, and the damage done to my credit has delayed our ability to build our future and purchase our dream home. Furthermore, I am seeking damages for the undue hardship I have endured due to this fraud. 

Additionally, it is now important to note that this loan has been charged off by XXXX. Based on the precedent set in XXXXXXXX XXXX XXXX XXXXXXXX XXXX, the charge-off was removed after the filing of a 1099 form. XXXX can not both charge off the debt and continue to collect on it, especially since this debt is not mine. 

Given the significant financial and emotional toll this situation has taken on me, I demand that this fraudulent account be immediately removed from my credit report. If this matter is not resolved promptly and to my satisfaction, I will be forced to pursue legal action and seek damages for the harm this fraud has caused. 

I appreciate your immediate attention to this matter and expect a timely response. I gave them years to make this right and I was given the run around - I am drained.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX Experian XXXX and XXXX but they refuse not to
Product: Prepaid card

I had took and got this man named XXXX XXXX to fix my car and I had paid him cash and I had opened up my phone in front of him which uses my PIN number and to give my sister a number out of there to for her somebody to call in the family but she didn't have her under their number so I had to give it to him and he had saw the four-digit code that I had on my phone and to get into cash app it's the same and he took and transferred him some money to the account and I asked him why did he do that he didn't answer nor did he respond and I went to cash app and they tried to say that I did it and I didn't. People steal money off of cash app all the time and they are not acting as a bank. I don't know what's wrong with these people but they never want to resolve your issue which is unsettling