23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a XXXX in XX/XX/XXXX. had XXXX followed by XXXX & XXXX. By the time I was released to go back home some of the bills had already gone past due and were sent to collections. I have been fighting since then to get everything paid and my credit repaired. All that has been done except with Grant and Weber in XXXX, Ca. They refuse to give me an accounting and I wo n't pay until they do ( it 's about {$200.00} ) .But I am extremely unhappy with the unprofessional way they do business and resent my letter to them ( Certified ) and reported them to the California Bureau of Consumer Affairs XXXX They in turn referred me to the FTC who referred me to you.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

TSC Accounts Receivable Solutions has reported on my credit multiple times a month, this debit was taken off in 2019 for identity theft and now TSC has re-aged this debit on my account. I have sent them letters to verify the debit as well and have not received anything back. I have also contacted XXXX and talked with them about the issue and that it was taken off in XXXX. They were able to see this and also added a fraud alert on my account. They continue to call me and try to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXX CT XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX. XXXXXXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX
Product: Mortgage

I refinanced my house in 2012, instead of an actual appraisal the company used the county appraisal value of the home $ XXXX as a cost saving measure instead of full appraisal. The refi amount was $ XXXX. Fast forward today the loan value is $ XXXX and current home value $ XXXX. I have asked for the removal of escrow ( taxed & insurance ) no PMI ever on this property. The company is telling me that escrow cant be removed because my LTV based on the original inaccurate appraisal is above 80 % and my balance would need to be $ XXXX in order to remove. I have spoken to numerous customer representatives and I am constantly provided a different reason for not being able to remove this escrow
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to vehemently dispute the fraudulent items listed on my credit report. It is utterly unacceptable that these accounts are present on my report, especially since I did not open them or give authorization for anyone else to do so on my behalf. I am appalled that you have not taken the initiative to remove them already. The items in question are listed below, and I expect that you will take immediate action to remove them : XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$700.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX Unpaid Balance {$16000.00} XXXX XXXX, XXXX XXXX XXXXXX/XX/2022. I insist that you provide me with a written response outlining the results of your investigation, and I expect to receive an updated copy of my credit report once the fraudulent items have been removed. Do not underestimate the seriousness of this matter. I am taking all necessary steps to report this case of identity theft to the authorities and will not hesitate to pursue legal action if necessary. Your immediate attention to this matter is expected.
Product: Debt collection

On XX/XX/2021 I sent XXXX  a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from XXXX  as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C. I also have attached debt validation.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to send an {$XXXX} wire transfer from my bank, XXXX XXXX, to my IRA account with XXXX XXXX. XXXX uses JP Morgan Chase, New York, as an intermediary/third-party bank receives wires from a sender and transfers the funds to XXXX. JP Morgan Chase did not have my account number in the wire ( there was no place to put the account number ), but did have that it was from me XXXX XXXX. The funds were received by JP Morgan Chase but were not sent to XXXX XXXX. JP Morgan Chase sent a return wire to me around XXXX XXXX. on XX/XX/year>, but the return amount was {$XXXX}. I contacted XXXX on XX/XX/XXXX and a few days later, XX/XX/XXXX (? ) regarding this and XXXX indicated that they did not have a record of the wire as it was not received by their institution and that I must go back through XXXX XXXX Bank. I contacted XXXX XXXX on XXXX occasions in the past XXXX weeks hoping to file a claim for the {$XXXX} that was not returned. XXXX XXXX stated that because a fee was not assessed ( only a different amount returned, {$XXXX} less ) that they could not pursue a claim. XXXX recommended I reach out to JP Morgan Chase which I did on Tuesday, XXXX XXXX, and was told by a representative that since I did not have an account they could not refund me for the {$XXXX} fee they might have assessed without my knowledge for the wire they returned. Today, XXXX XXXX, I talked with XXXX other representatives from JP Morgan Chase today hoping I would get a resolution before contacting the Consumer Financial Protection Bureau. I was finally informed that since the bank account ( provided on XXXX XXXX website ) that I sent the wire does not have my name on it, JP Morgan Chase could not send share any information they had about the wire and thus couldn't take steps to reimburse me. I am requesting that my {$XXXX} be sent back to me because I was never informed that a returned wire would incur a {$XXXX} fee. The return amount was just sent with a lesser amount of {$XXXX} without any notification from JP Chase Morgan. The wire that was sent from XXXX XXXX had the necessary information to be sent to JP Chase with my name on the wire. I am not sure why they don't have a process in place to identify XXXX XXXX customers to ensure that they know where to send the wire transfer ( or at least be able to request additional information to determine where the money should go ). I also do feel that it is illegal to return a wire that was sent and arbitrarily assess the sender {$XXXX} without their consent particularly when the sender is not an account holder with Chase. The {$XXXX} withheld was also not set up as a fee assessed so that my bank, XXXX XXXX, could pursue a claim. I am asking for your help in resolving this matter. Please let me know if you need any additional information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I was checking my credit report on XX/XX/XXXX, and I noticed there are several inquiries that I have never authorized. I tried calling Experian, XXXX, and XXXX and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries from my credit report.
Product: Debt collection

Subject : Formal Notice of Violations and Request for Remediation Dear Midland Credit I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Midland credit has handled my credit information. It has come to my notice that unauthorized collections have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR. 

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR. I am formally demanding the immediate removal of this unauthorized collection from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2LL. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Additionally, I want to make it clear that any action taken by Midland credit besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action.

Moreover, I insist on Midland credit providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ).

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Product: Consumer Loan

I applied and was approved for a {$40000.00} vehicle loan and PenFed completely mishandled my account to the point of my suspecting intentional manipulation. Pentagon had my {$40000.00} loan approved for application # XXXX. I corresponded with one of PenFed 's agents on the phone and he informed me that all I needed to do was submit my purchase order via fax and my loan for {$40000.00} would be approved. I thought the extra {$700.00} was odd, but I suspected it had to do with filing fees, etc. It turns out that they denied my loan the next day because the original loan amount was {$40000.00} and I increased the amount by {$700.00}. This was ridiculous for XXXX XXXX XXXX denying my loan for the additional {$700.00} on a total initial loan amount of {$40000.00} is absurd 2. A PENFED AGENT recommended the new loan amount and thus intentionally manipulated the situation into a denial. The other agents-Dylan ID # XXXX and XXXX ID # XXXX were completely incompetent while handling my situation. I now do not have the financing I need to purchase my vehicle and may lose the deposit.
Product: Credit card or prepaid card

The company in question is Chase Card Services, XXXX XXXX XXXX, XXXX, DE. XXXX My credit card expired in XXXX. The replacement card was either not sent or was returned due to my private mailbox closing on account of the COVID-19 crisis. ( The Chase phone jockeys have given me conflicting information as to which it was. ) Because I was in isolation and not checking my mailbox, I only found out that the replacement card had not arrived in late XXXX. On XX/XX/XXXX, I called Chase to inform them of this, and was told that the replacement card would arrive within five business days. When the five business days had passed, on XX/XX/XXXX, the replacement card had not arrived. I called Chase to inform them of this. I was asked if I wanted a second replacement card sent by overnight mail, and assured it would arrive the next day. I agreed, on the assumption that it would be a second replacement cardnot a new account number. The next day, XX/XX/XXXX, the original replacement card, with the original account number, arrived. But when I called to activate it, I was told I could not do so because of my call the previous day, and that I had to wait for the second replacement card. 

The second replacement card only arrived four days later, XXXX XXXXand with a different account number. I refuse activate the new account. I have had the old account number since the early XXXX, and it is on file at countless places where I do business. Having to change it at every one of those will create endless chaos in my lifeand it is completely gratuitous : the original replacement card actually arrived BEFORE the new one, and has been in my possession since XX/XX/XXXX. 

Additionally, the notion that my call of XX/XX/XXXX alerting them that the first replacement card had not arrived meant that a new account had to be created is contradicted by the fact that I had PRECISELY THE SAME EXCHANGE ON XXXX XXXX the replacement card resulting from that call was with the original account number. 

My account was not deactivated with my informed consent. I demand that my original card number be reactivated immediately. As of today, XX/XX/XXXX, it has been in my possession for 10 days. I have been without a working credit card since XXXX. This is an absurd situation, and I am not accepting it. 

Yours, XXXX XXXX XXXX
Product: Debt collection

Please see the attached letter I received in the mail Friday XX/XX/XXXX. This letter was sent by XXXX XXXX XXXX  on behalf of national credit adjusters. In the letter it says that I owe original creditor balance credit. But on a previous claim I filed with the cfpb national credit adjusters responded that I owe money allegedly to XXXX. National credit adjusters did not confirm that I owe the money to the original creditor allegedly called XXXX XXXX. Now I have this letter from XXXX XXXX XXXX telling me that I owe the money in the letter itself please see that it stated national credit adjusters will not report this to any credit reporting agency. But I checked my credit report in this debt alleged debt that I owe is on my credit report why am I being collected on a debt that I do not owe secondly I do not have any or have received any notice of proof that I owe this money to the original creditor called balance credit. More importantly this communication dated XX/XX/2021 from XXXX XXXX XXXX clearly states the because of the age of your debt national credit adjusters will not sue you for it and national credit adjusters will not report it to any credit reporting agency. Why is this debt this alleged debt on my credit report then? Please remove this debt from a credit report.
Product: Student loan

On XX/XX/2024 I received a letter from advantage loan servicer on their platform regarding 'loss of benefit ' because " you didnt meet this on-time payment requirement, the credit has been added back to your principal balance, increasing the amount you must repay. The alleged date in question is from approximately 11 years prior ; i am just being notified of this now as well as my responsibility for repayment of this.
Product: Debt collection

Ive requested both verification and validation from the company and the send me a copy of the bill. I also checked and they are not licensed by the state of Ohio secretary to collect a debt in this state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX on XXXX that I had a new credit inquiry from Comenity Bank. This inquiry was generated without my permission, I did not apply for any new credit with Comenity. The alert referenced my XXXX XXXX XXXX account. This account has been closed since XX/XX/XXXX. It did report a balance until I paid it off in XX/XX/XXXX. Again, I did not authorize this inquiry and there was no reason for them to pull my credit report. 

I attempted to contact them immediately, their customer service line was down due to a " customer service outage ''. I later found out that their customer service had been down for the better part of a week. I suspect this was a data breach but they didn't say that. When I was finally able to contact them on XXXX they could provide no information as to why my credit was pulled.
Product: Credit reporting

Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts with various creditors. I am a victim of identity theft. I have been receiving harassing, threatening telephone calls and death threats. The following unauthorized and fraudulent accounts accounts do not belong to me : Lend Up, XXXX, XXXX. The following unauthorized and fraudulent inquiries do not belong to me : XXXX, XXXX, XXXX, XXXX., XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX -late
Product: Debt collection

first phone call was on XX/XX/18 and now XX/XX/18 and no letter to inform me of the debt or the fact that i can dispute it or ask for validation
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against PenFed Credit Union. Account # XXXX-XXXX-XXXX-xxxx, open XX/XX/2016. My Pentagon member number is : XXXX. My payment was due for XX/XX/XXXX and I made my payment on XX/XX/XXXX and immediately I called the collections department from the mentioned company and was told that it wont be reported negative, they told me not to worry and that I should be fine, mentioned a 3-day period of grace ( call should be recorded ). I also spoke with a supervisor and the supervisor and he determine that the agent made an error in telling me that negative marks were not going to be reflected. It is not my fault that the agents in the company are not well trained and misguide costumers. This is negligence, unfair business practice, I never received a late payment insertion by mail required by California Reporting Act and the list of violations can go on. I have been a loyal costumer to Penfed Credit Union, NEVER since I open the account Ive been late with them. I respectfully request through CFPB a deletion letter from Penfed Credit Union. If this doesnt happen I will have to take this case to court even though they do not appear in Secretary of StatXXXX of California having a branch in XXXX XXXX. I will find the way to sue if I have too, nobody is above the law. Im also attaching one of my bank savings account to prove it was not a money factor. Thank you!!
Product: Debt collection

( XXXX ) XXXX called and left a voicemail stating that his name is XXXX XXXX from XXXX XXXX. He requested that I call back XXXX XXXX XXXX XXXX about verification of address and liquidated assets. XXXX XXXX then contacted my employer and claimed that I had a criminal complaint against me and that I had committed fraud. He also stated that XXXX XXXX had a judgment against me. I called and attempted to get information from XXXX XXXX and he would only ask me to verify my SS # and that I owed a debt. He would not tell me who the debt was with. I asked him to not call my place of employment and he refused saying he would continue unless I paid the debt. I requested to receive information regarding the debt by mail and he refused. I informed him that I would file a complaint.