23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCIES RE : XXXX  Block Request Case # XXXXXXXX XXXX XXXX XXXX  Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I, XXXX XXXX XXXX ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) Victim of XXXX ) Do hereby attest that I am a victim of XXXX  for purposes of section 605C of the Fair Credit Reporting Ac tThis statement.- [ ] As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. I
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this ITEMS ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit 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 EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is for a Select Portfolio Services ( SPS ) XXXX conventional second mortgage with original amount $ XXXX, and maturation date XX/XX/XXXX. I owe {$3500.00}. The loan has been sold twice. 

I became unemployed in XXXX due to COVID and am struggling financially. I applied for a COVID related mortgage forbearance or modification XX/XX/XXXX. 

SPS has not addressed my concerns adequately. Communication is non-existent, and they keep asking for more documentation. I have provided everything they have requested although my first mortgage servicer gave me a three month reprieve with no documentation at all. 

I am back to work at a much lower rate of pay XX/XX/XXXX. I can make payments but can not pay the balance of {$3500.00} by XX/XX/XXXX. SPS is not addressing my request for COVID related loan modification.
Product: Mortgage

The Home was foreclosed because of a Reverse mortgage. My Mom tried to Communicate with the Lenders and the Attorneys. 

My husband passed away and I traveled to attend XXXX XXXX. I returned home to find my locks changed. It is Illegal to change locks in DC. I changed the locks back to gain Access for XXXX XXXX and XXXX XXXX. 

I reported this to DC Police and the Attorney General. 

There was a Hearing in XXXX and I notified the Attorneys that I will continue to Occupy the Home until it is sold or I receive a Modification. I have applied for Eviction Help as well as XXXX XXXX.
Product: Checking or savings account

About 3 weeks ago I was studying at a coffee shop and I got up to use the restroom. During this time I got my backpack stolen. Inside my bag I had my phone, my wallet, my debit card, my ID, my journal with various passwords and pin numbers, as well as my laptop, XXXX, and books for XXXX  XXXX. After this my phone and computer were used to make XXXX of unauthorized transactions. After dealing with Wells Fargo Fraud department, being sent a letter letting me know my charges would be credited back to my account, they then sent a new letter saying that no fraud was found on the account because the devices used to pay were under my name. This is true, however once the phone and laptop were stolen, everything was hacked, my messages, accounts, numbers, It was a nightmare. I want this money refunded becauuse on top of the money I lost it has cost me like XXXX $ to replace all that was stolen from me. I hope you can help get Wells Fargo to rightfully return the funds to my account so that I can pay my rent that is now 19 days past due
Product: Debt collection

I hope this letter reaches you well. I am writing to dispute and urgently request the removal of fraudulent accounts from my credit report. XXXX XXXX XXXX, XXXX XXXX : XXXX and XXXX : XXXX The unauthorized accounts, reported through identitytheft.gov, have been acknowledged by the respective banks as invalid. However, the prompt removal is yet to be processed by your bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I have tried repeatedly to close my account with Chase ( XXXX XXXX Visa Card No XXXX XXXX XXXX XXXX ) since XX/XX/2018 because I no longer want to pay the annual fee of {$95.00}. I complained earlier on XX/XX/2018 to CPFB ( see complaint no. XXXX ) after which a Chase representative called me and assured me the account would be closed and no further delinquent dues will show on my on line statement. This is not the case because my latest ( XX/XX/2018 ) statement ( see attached ) continues to show the annual membership fee of {$95.00} as being overdue and in addition anew late fee of {$15.00} has appeared, despite the account being closed. I am now truly concerned that this errant behavior by Chase will cause my credit rating to be adversely impacted.
Product: Credit reporting or other personal consumer reports

This is a formal notice to inform you that the address associated with my account is not mine and has been used without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), under section 605B [ 15 U.S.C. 1681c-2 ], I am requesting the immediate removal of this incorrect information without further investigation. I am filing a report with the FTC for identity theft. Please confirm the removal of this erroneous information from my file. delete address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ability Recovery has failed to provide proof that there is some contractual obligation which is binding on me to pay this debt. Ability Recovery has also failed to provide copies of any HIPAA authorization since this is a medical account or copies of any agreement that bears the signature of the alleged debtor wherein he or she agrees to pay the creditor agreement that I have with their client that grants them the authority to collect on the alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES : and SEC.13407 ( 1 ) BREACH OF SECURITY.
Product: Debt collection

Recently, Debt Recovery Solutions reported two medical bills on my credit report for {$980.00} and {$610.00} respectively. I was completely unaware of any outstanding medical bills that were owed, so as soon as I saw these accounts appear, I wrote to the collection agency and requested more information about where these debts came from. I asked them to send me the name of the medical facility where these debts orginated, the dates that the supposed services were performed, what procedures were performed, and if my health-care provider was properly billed. Well over 30 days have passed, so I can only assume that the collection agency can not provide this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my rights even more, in accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the address is inaccurate the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to, 15 USC 1681 SECTION 602 ( A ). STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ), section 2 : it also states : A consumer reporting agency furnish a account without my written instructions. 

I did not give anybody written instructions for these transactions.
Product: Credit card or prepaid card

I am XXXX XXXX military and American Express is denying me benefits provided under the XXXX XXXX XXXX. I joined the military in XXXX and opened the card in XX/XX/XXXX. I have used the chat feature on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX to try to receive military benefits. I have also called on XXXX XXXX and XXXX times on XXXX XXXX. The company tells me I am ineligible for military benefits, but I am in fact eligible due to my continued service. American Express continues to provide bad information ( like to call XXXX XXXX XXXX ) or to apply for XXXX ( which does not apply to this account ). The company has repeatedly told me they can not provide benefits to me provisioned by the XXXX.
Product: Credit card

Back in XXXX of 2016 my CC exp. And i was not issued a replacement card. For three months i called and requested a new card, but XXXX was never received. I continued to express my frustration ; while paying my bill. During the fourth month, i stopped payment and requested the card once again. At that time i was told that a card was not going to be issued, due to me having a late payment. Taking it up the chain and once again expressing my frustration with not being able to make purchases due to me not having the card. I was told nothing could be done for me. At this point i closed the card. After that ive been hit with a lot of fees. Ive tried to resolve the issue and i keep getting told that they ca n't help. The acct has hit collections, but in no way do i feel like im responsible for the balance that im being told. Im greatful for your assistance. Thanks in advance.
Product: Credit reporting

After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to XXXX. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to me.
Product: Debt collection

I have requested several verification documents from EOS regarding the validity of the erroneous account that is reporting to my credit report. No verification documents have been received.
Product: Credit card or prepaid card

I was charged XXXX on my bank of America visa credit card on XX/XX/18 to a vendor that was XXXX in XXXX, VA. I originally called bank of America to dispute the charge. They initially took the charge away, but then the charge showed up again a few days later. When I called BOA, they said that it was indicated the card was chip read and used so I was accountable. I fought this and reopened the case about 5-8 times over the next 6 months. I filed a police report, told them I never lost my card and even showed them that I was at work at the time of the transaction. I got so frustrated that I had to give it a rest, but would like to file a complaint. BOA could never tell me exactly who charged the card ( the vendor ). All they could tell me was that it was for janitorial services and I am 100 % sure I did not have or authorize anyone to provide any services for that large amount of money. How can I be accountable for a charge that BOA can't even tell me who made it? Please help!
Product: Mortgage

I am a XXXX on XXXX age XXXX. My wife is XXXX years of age. She works XXXX earning XXXX a year and upon retirement is entitled to XXXX state pension and social security retirement of approximately XXXX a year. Contracted with my wife to purchase home to retire to in XXXX. My intent is to move in now and my wife would follow when she retired in s year or so. Contract Price was {$380000.00} and we were putting XXXX down, {$110000.00}. I wanted my wife and I to applyfor {$260000.00} mortgage to XXXX based Quicken Loans. Quicken would only allow me to apply because my wife has a {$19000.00} mortgage on our current XXXX house paid in full next year. XXXX house is worth at least XXXX. 
We dealt with XXXX people XXXX XXXX, XXXX XXXX and XXXX XXXX. I currently receive {$120000.00} per year in social security XXXX and payments from XXXX private XXXX polices. Our current combined annual income is XXXX equal to the loan. We have a net worth of approximately XXXX including our XXXX house which only has {$19000.00} remaining on the mortgage and is worth at least XXXX. We have no debts other than credit cards which we pay in full monthly. The XXXX house appraised for more than contract price and it cost us {$450.00} for the appraisal. 
We gave them all financial documents requested. Pre mortgage approval was given earlier this year. Received a letter of conditional committment on XXXX XXXX and QuickenLoans gave a closing date of XXXX XXXX, 2016. Provided copies of my most recent XXXX checks from XXXX private carriers and documents showing direct monthly deposit into my checking account of social security XXXX payment. They requested documents that did n't exist such as a XXXX and an annual award letter from XXXX XXXX insurance company. Advised QuickenLoans they do n't exist. They Requested proof to confirm I would be receiving private XXXX payments indefinitely in the future which I could not produce. I then offered to make my working wife a co- borrower and provided copies of her most pay checks and XXXX. On XXXX XXXX, one week before the closing, I was informed my wife would n't be permitted to be co borrower because she works in XXXX and they would n't consider my XXXX income from XXXX XXXX company because I could not produce an annual award letter or documents showing I will receive it indefinitely in the future. They also expressed concerned my wife would XXXX soon. I explained she is entitled to a pension and social security retirement almost equal to her current XXXX annual salary. Her credit rating is in the XXXX and as high as XXXX. My low credit score is XXXX. 
There is no legitimate financial reason to deny us a loan. It is not based upon a lack of income, bad credit rating or net worth. It is obvious we were denied due to our age and my XXXX. 
The XXXX Civil Rights Commission found probable cause against Quickenloans for discriminatory practices against a XXXX borrower. Therefore, it has a history of doing this
Product: Vehicle loan or lease

I purchased the vehicle XX/XX/2021. When I received my vehicle the description on the website did not match the car I received. The seat numbers were wrong and then I was told nothing could be done about it because the cars that matched that description were above my pricepoint. I contacted Carvana numerous times while on the phone with multiple representatives for hours on end. I had to keep telling my story over and over again. I found out when I got the vehicle there was an active warranty on it that was never disclosed on Carvanas website. I had to keep calling Carvana in order to express my disappointment in the service I received when I heard such great review about the company. After researching I found that Carvana was involved in a lot of similar issues I was experiencing. I am still dealing with emotional trauma of this experience which has affected my trust with companies such as yourself.
Product: Credit card or prepaid card

I have paid my bills on time or owe nothing on them but my credit score was lowered to XXXX and my account was closed. I never had a loan and I have very few inquires in less it was made by the same company synchrony. It all started during the coronavirus 19 when they did a mass account close of my accounts within less than 2 weeks. I have gotten letters for everyday almost. My score was higher than XXXX. So this will effect me during this time if I need a used car to care for my family if they need to go to the doctor or go to get food. This is not right and I plan to post this on XXXX.
Product: Checking or savings account

On XX/XX/2019, a direct deposit was made to a Chase Bank account that I thought was mine. I checked with Chase and it appears that when setting up my direct deposit information with my employer, I transposed two numbers when entering my account number. On that day, I requested that the amount of the deposit, {$2400.00}, be rerouted to my checking account. They said they would process it. The following Monday, XX/XX/XXXX, I received a notification that they would not be able to reroute it, as the money had gone into an existing and active Chase account. My employer issued a request to have the funds rejected, which after several days, Chase refused. My employer again, at my request, issued a request to have the funds returned. The request included an explanation from my payroll department of the amounts, dates and account numbers to which this money should have gone. It also included printed copies of the return requests that were submitted. At this point, Chase again refused stating that the account to which the funds had been deposited had insufficient funds. I have spoken to my local branch manager who escalated this to Chase 's Complaint escalation group, who returned stating that nothing could be done. The managers I'd been working with at my local Chase branch stated that they'd see where they could escalate my issue, and this morning, I received notification that there is nothing Chase could do. Chase seems content to let the owner of the account into which my money was erroneously deposited keep my money. I even requested a credit and recommended that they give my money to me and put a lien on the account owner 's paycheck, as the bank has to know his social and other contact information. At this point, it's looking as if I'll never get my money.

What's interesting, is that Chase had sent information to my payroll dept that included account information for an individual who is a Chase Private Client customer. While this information doesn't show the account number to which my pay was sent, it does make me question whether or not Chase is not pursuing a real resolution because they're favoring a high net worth customer over me. In any case, the info they sent constitutes a breach of customer data.

I have gone through the ringer with Chase over the past 30 days and they will not move from their position that they can not give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX continues to report negative and inaccurate entries on my credit profile. I have disputed this account across all three Major Credit Bureaus. XXXX removed it but it still reports on XXXX and TransUnion. I never authorized nor consented to the opening of this account, and as a result I have specifically requested each Bureau provide me with the ORIGINAL SIGNED DOCUMENT, the one at the time of signing the day the account was opened. No Bureau has provided me with this information yet, which leads me to believe they don't have it and therefor this account needs to be deleted expeditiously from all parties reporting.
Product: Mortgage

I purchased this home back in 2017 with a private lender because my financial situation was not the best and could not get a traditional loan. I paid XXXX down and started making payments. I got insurance on the home and continue to make the payments. The home has not been in the best condition since my family and I moved in it but we could not afford to do anything about it. The plumbing does not work properly and the home is not insulated making for very brutal winters and there is no XXXX  system. Giving that I worked on my credit so I can try to get better living situations for my family I tried to sell the home but my name is not mentioned any where on the tax title. I can not refinance and take cash out to fix the major repairs which the plumbing will cost XXXX dollars which XXXX has already been paid to diagnose the problem of waste backing up into the home. An HVAC system will cost XXXX dollars my entergy bill in insane because of the poor insulation and we have to use propane heaters during the long cold winter to heat only XXXX rooms in the home. These people have not tried to work with me to help me come up with any solutions. They do not care about the people they are lending to and they prey on people who are in need of help and they take advantage of them while they are down. XXXX XXXX is the company and SWE home is who they list their properties with. No one will talk to me to see what they can do to help me and how I can get some help. Refinancing would mean I can work with another lender but they are keeping me from doing that or selling. I should not be responsible for repairs if the house isnt even in my name that is unheard of and criminal if they want to keep the home tied up with their name attached to it then they should make the repairs.