23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/2015 I received a " Final Request '' letter from Nationstar Mortgage. The later states " We have received your inquiry for the Making Home Affordable Modification Program. Please find enclosed the following documents that must be completed in full and returned to Nationstar Mortgage in order for us to begin the evaluation process. Please Note that during the evaluation period your home will not be referred to foreclosure ... ... .. '' The letter said that Nationstar needed to receive the documents by XXXX/XXXX/2015. I completed the documents and emailed them to the email address that Nationstar provided in the letter and also emailed them to XXXX XXXX, who is my Dedicated Loan Specialist on XXXX/XXXX/2015. I know that the documents received because because on XXXX/XXXX/2015 I got an email from XXXX that stated " YOU SENT THE WRONG LOAN # ... THIS IS YOUR LOAN # XXXX. I HAVE SENT DOCS TO BE UPLOADED SO THEY CAN BE REVIEWED BY OUR PROCESSING TEAM. FOLLOW UP IN XXXX DAYS. '' In error I put XXXX on the paperwork. I was also contacted on XXXX/XXXX/2015 by Nationstar regarding more documents that they needed, which I sent. On XXXX/XXXX/2015 I received an email from XXXX that stated '' Dear XXXX, Nationstar needs to receive additional documents to continue reviewing your account for a modification. Your modification request is currently on hold and faces the possibility of rejection until Nationstar receives the additional required documents. Please return these documents as soon as possible. 
Please email your missing documents to your Dedicated Loan Specialist, XXXX XXXX at XXXX, or call XXXX if you have any questions. 
I sent all requested documents to XXXX on XXXX/XXXX/2015. Currently I am not aware of any further documentation they need. However, today I received a letter dated XXXX/XXXX/2015 stating " Your Mortgage has been referred for foreclosure. " Why Has my Mortgage been referred to foreclosure when the letter on XXXX/XXXX/2015 said that if I sent the documents by XXXX/XXXX/2015, which I did, the Mortgage would not be referred to foreclosure? 
I have not received anything stating the modification has been denied nor have I been notified that they need more information.
Product: Mortgage

Over a month ago, I exited the COVID-19 forbearance into a COVID-19 Payment deferral arrangement. I then asked to have the repayment of the escrow shortage from COVID-19 forbearance spread out over 5 years ( 60 months ) given this can be done. This is not yet done.
Product: Credit card or prepaid card

To whom this may concern : I have had an on-going credit card dispute with Chase since a charge was posted to my credit card in XXXX. I was sent a notice letter from Chase on XXXX XXXX and given until XXXX XXXX to reply with any information that could help them to resolve my dispute with the merchant. I replied on XXXX XXXX with the form filled out and accompanied it with all of the information attached to build my case ( see attachment below ). I received an automatic reply from Chase XXXX XXXX XXXX see attachment below ) saying that my message was received, giving me every reason to believe the message was indeed received and to not contact them further due to high volumes of requests they are receiving. I then received a letter on XXXX XXXX saying that the charge was valid. I proceeded to send them a message questioning this. I heard nothing back so I called them on XXXX XXXX. The Chase employee told me they have no record of receiving my initial message XXXX XXXX though I can clearly see it on my end in my Message Center on their website and was even sent an auto-reply from Chase that I have in my inbox dated XXXX XXXX that says " We received your message ''. I now also have taken a video of it along with the screenshots below. She said not to worry, submit all of my information again and they will re-open my claim. I get a message today, XXXX XXXX saying that I am being rebilled for the initial charge because too much time has passed and the charge took place too long ago. I phoned them because I have adhered to all of the required deadlines to reply to them on time, it is them who took too long to respond to me. Too much time has passed because of Chase 's lengthy response time and faulty website, not because me as a consumer took too long. It is crazy how unhelpful they have been and that they state so matter of factly that there's simply nothing they can do at this stage and they don't see what I see on my webpage neither do they have any record of receiving anything from me XXXX XXXX when I literally have proof that's what I see on THEIR website. 

It's a lot of money and to lose this money not at the fault of the merchant but now because of how Chase has faulty procedures and is so unhelpful, is incredibly upsetting. You want to bank with companies because they should be on your side and help in situations such as this. During COVID, it's extenuating circumstances, I've been patient while this process drags on for months now. But when they as a company make mistakes and take long, they should accept the mistake as their own and resolve them with their clients. 

I look forward to hearing from you at your earliest convenience and thank you so much for your help. Stay safe. 

Best regards XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report and discovered inquires that I have no knowledge of Because I did not apply for credit with any creditor or lender, I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.
Product: Money transfer, virtual currency, or money service

There was cash sent to me in form of {$60.00}, I had called customer service. Gave my informs over the phone to have them tell me they could not assist with the lost funds. The person that sent it was upset because they had to send it again, I lost out on {$60.00} primarily because it never came back. Multiple times where my money had gone missing, just randomly.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking and because of the aggressiveness of this case, I frequently have adverse information included on my credit report. I have had extreme difficulty gaining cooperation from the representative assigned to my case and for that reason, I am requesting that a supervisor or manager be reassigned to my human trafficking case. I am submitting this here because I am unable to receive any help when calling XXXX or uploading documents. This is for public record of my multiple attempts to contact a supervisor, as well as getting my case reassigned. I have uploaded supporting documentation in regards to this request of which I have also sent to the XXXX  of Experian, the XXXX the XXXX XXXX XXXX, and I have asked my XXXX worker to keep a copy in my profile.
Product: Checking or savings account

Chase Bank closed my account after I submitted a complaint to CFPB. They closed my bank without notification and charged me checks that I have not received. They also charged me fees without my knowledge in the amount of {$6.00} increments. I don't know what they are for.
Product: Debt collection

I sent a letter to the collector requesting validation of a debt. The information that was provided to me from the creditor is contradicting to that of the credit bureaus reporting. The collection company has failed to correct the reporting on my credit files.
Product: Debt collection

On or about  XXXX  I ended closed my account  XXXX . At this time there was a balance due of under  (  {$500.00}. ) which I was told I would be billed for. I paid this bill on our about  XXXX   XXXX . Several month later the account was sent to  XXXX  collection agencies and this is now th e 4th t ime I have addressed this issue and the 2nd time wit h Enhance Recovery Corp. Th is account was previously removed on all three times from my credit report. I have supplied the documentation and proof of payment each time the last being in   XXXX  . I am prepared to file a harassment law suit for violation of FDCPA against  XXXX  and ERC if the account is not immediately removed from my credit report. The harassing phone calls that have begun have impeded on my work. I thought this matter was resolved in   XXXX   and I no longer have my documentation but ERC should because it was sent directly to them.   The  XXXX  other collection agencies ceased all efforts after having been supplied the information and it appears that  XXXX  just keeps reassigning this PAID account to different collection agencies or ERC is attempting once again to collect.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate removal of a hard inquiry from my credit report made by XXXX XXXX on XX/XX/scrub> 2024. I did not authorize this inquiry, and it is negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), a company is required to have my explicit permission before accessing my credit report. If you can not provide documented proof of my consent for this inquiry, it must be removed immediately. 

This is a serious matter, and I expect prompt action. If this unauthorized inquiry is not removed within 30 days, I will escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the credit bureaus. Furthermore, I will consider legal action for damages caused by this violation. 

To resolve this matter quickly, I expect written confirmation that the hard inquiry has been deleted from all credit bureaus. Failure to comply will leave me no choice but to pursue all available legal remedies. 

I demand a written response within 15 days confirming the removal of this inquiry. If you have any questions, you may contact me at the information provided above. However, I will not tolerate any delays or dismissals regarding this matter. 

This letter serves as official notice. Take immediate action. 

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

This is to Transition - XXXX - and - XXXX I will put the letters here that I have sent off and nothing has been done about it and it is really annoying to not even be helped after so long. 

Please remove all of this negative information off of my credit profile. This is absolutely annoying, and it is stopping me from buying a house. I really need help and would much appreciate it if you guys took care of this for me. I just had a kid and now me and my lovely wife are trying too get a house for our little one to grow up in but this is just absolutely holding me all the way back. So please help and have a blessed one. 

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

This is fraudulent not my account please remove asap
Product: Debt collection

Conn 's Home Plus ( Conn Appliance , Inc, Conn Credit Corp ) has failed to properly validate this alleged debt that I do not own. This alleged debt is the result of identity theft. I have contacted their fraud department and without proper investigation and validation they immediately denied my request to have these fraudulent accounts removed from my consumer report. XXXX XXXX and XXXX XXXX refuse to show me evidence that I personally opened these accounts. They have no agreement or contract bearing my signature. In XXXX, an ex-boyfriend opened up these accounts in my name without my permission. My personal information has been compromised. Therefore, these 2 accounts are being reported inaccurately.

2 accounts were opened without my knowledge : XXXX XXXX {$3100.00} ( XXXX ) XXXX XXXX {$2100.00} ( XXXX ) I have sent Conn 's Fraud Department a police report, and FTC affidavit, 2 proofs of residency ( rental lease and rental insurance ) of where I lived during these years when these accounts were opened. 

Conn 's claims that " payments '' were made on these accounts, but they can not validate that I actually made those payments. I have reason to believe that the ex-boyfriend attempted to make payments in good faith but fell into financial hardship and stopped making payments. There is no correlation between " making payments '' on an alleged account and properly VALIDATING that this account was OPENED by me. I did not give anyone permission to open these account using my social security number and sensitive personal information. I was living in XXXX and these accounts were opened, used, and maintained for a limited time in XXXX. 

No signature, no proof, and no validation means NO CONTRACT. 

I am a victim of identity theft and I demand these two accounts be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

****UNKNOWN INQUIRE******DATE XX/XX/2017 INQUIRE NAME REGIONAL ACCEPTENCE
Product: Credit card or prepaid card

I tried to make a final payment on a foreign transaction that was blocked by Capital One. 
I called the Fraud department as instructed and verified my existence in multiple ways including access codes on my phone via text, email responses, responses on their mobile app they pushed and even submitting a picture of my drivers license ( I also answered my name, address, DOB, SSN, etc accurately ). After being on the phone with their fraud department for about an hour and repeating the foreign transaction multiple times at their direction, we gave up on it ever going through. Please see attached file that shows how many attempts we tried together to get it to go through. Also, email messages from Capitalone saying " A foreign transaction has gone through '' when it really had not. 

A few hours later, I find out my card is completely blocked for any type of transactions. The latest call to the Fraud department is having to verify who I am via social security card and a proof of residency like a utility bill. I don't have a social security card at my house. It is in a locked security box at my bank. I offered my passport and they wouldn't take that as a valid ID. So I asked them to close my account. Which they couldn't do.
Product: Debt collection

I.C. System INC is reporting negative information to the credit bureaus regarding a Utility Account that does not belong to me. I have not received written communication regarding the debt. I have not received telephone communication regarding the debt. I just happened to check my credit reports and noticed the derogatory information being reported. I have not had an AEP, or any Utility account for that matter, in my name in over 7 years. They are reporting a debt in the amount of {$120.00} from XX/XX/2021. This account is being reported in error and has seriously damaged my credit scores and report ratings. The negligence of I.C System INC is unacceptable and they must take full responsibility for their mistake and delete the account from all credit reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

First i want to thank you for taking this time to read my email.I am having a problem with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX My bill XX/XX/2022 did not go trough when it was on auto bill. I reached out the company and they said that the payment try to come out of the bank but it was rejected.They never notified me of the rejection and gave me this late payment.Now i can not get mortgage or loan because of this mark on my credit.The company will not help me with this unfair situation.My lease about to end at me rental house.I am looking to purchase a home for me and my kids.You are my only hope please help me out. 
Thank you so much
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

The equivalent of XXXX GBPwas transferred from my wallet utilizing your services.
Product: Credit card or prepaid card

I have provide severall times to apply card documents showing that I returned the merchandise back to the merchant for XXXX purchases and they started that a refund was issued with it never was and for the charge for home depot I told three different people their that home depot canceled my order and still billed me but never shipped the order. I don't know what the problem is but these charges need to be removed I will not pay for merchandise that was sent back to the merchant. What kind of customer service is this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested I vestigation 3 times already ; see below my most recent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We need all accounts Verified that are listed on your companies reporting! 
Fair Crediting Reporting Act 609 ( a ) ( 1 ) ( A ) as you are required by law to verify. Through physical verification of the ORIGINAL signed contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXU.S. Bankruptcy Court XXXX XXXX Otherwise anyone could send in a fraudulent claim or report especially if paying for your services. 
Your negative reports without verifying has hurt me and my ability to obtain credit. 
FCRA states unverified accounts must be removed. 
I have asked three ( 3 ) times, now I demand verification in the next 72hrs or I shall report your company. Date XX/XX/2023 ; you have til XXXX XX/XX/2023. Without recourse. By : XXXX XXXX, beneficiary and by : XXXX XXXX, beneficiary
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see XXXXrifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXXXXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$6300.00} Charged off XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Charged off XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Received this phone number XXXX 2015, Started receiving calls from Portfolio Recovery soon after looking for a XXXX. I informed them several times XXXX no longer had this number but keep receiving phone calls after they promised to remove number. They are still calling!
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 my Cash App account was locked for alleged unusual activity. It has not been unlocked to date and it is impossible to make contact with them. I received one email requesting information pertaining to devices used to access the account and responded with all information immediately. The app states that I should regain access within 24hrs, and it has been nearly three weeks as of now that I can't access my sole source of income ( unemployment payments deposited to this account ). I managed to  get a response from their XXXX account, but they only state that someone will look into the issue and get back to me " soon ''. Meanwhile, I can not pay bills or buy groceries and am about to be homeless because of this. On XX/XX/2020, I received a text and an email from cash app that my number and email had been unlinked from my account. It appears they have deleted or cancelled my account- which is fine by me- but they are in possession of my $ 9000+ balance and the lack of response to my increasingly panicked requests for assistance is disgusting. On XX/XX/2020 I requested an instant transfer of my account balance to my linked bank account on a device I was still logged into Cash App on. This transfer has not been received as of this writing. I have attached screenshots of the same for reference.