23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2021, i sent QUALITY RECOVERY SERVICES, INC 2 letters to their main and corporate offices regarding the alleged debt of {$400.00} that i dont owe.it has been over 30 days since i sent the letters and neither office hasn't responded within the 30 days allowed by law.this inaccurate information is damaging my life and keeping me from getting things that i need.Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies
Product: Credit reporting or other personal consumer reports

I am formally requesting with this letter to remove the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello I was give a letter with reference XXXX says XXXX XX/XX/XXXX from Paramount recovery systems I suspect this is just wrong information on my behalf with my name and last name I know I don't owe anybody money it doesn't even give me a number where I can reach somebody I am tired of getting this false information on my behalf claiming I owe somebody money it even says I owe {$1100.00} the mailing says Paramount recovery systems, XXXX XXXX XXXX XXXX XXXX, TX XXXX this to me is XXXX XXXXXXXX just a letter saying whatever is implanted in their behalf investigate their address not me Thank you I hope I get some kind of help sent to my address
Product: Credit reporting, credit repair services, or other personal consumer reports

There is NO WAY Trans union, XXXX  or XXXX  can generate a factual timely up to date and correct credit score based on their method of operation.= a flawed fraudulent method by opinion of scores and reporting facts! As example- to get a Heloc loan a creditor must hold a XXXX score- HA Most Americans fall woefully short! What Credit Score Do I Need to Get a Home Equity Loan or HELOC? Your credit score is an important factor in qualifying for a home equity loan or HELOC. A FICO Score of at least XXXX gives you the best shot at qualifying for a home equity loan or line with good terms You may be able to qualify for a home equity loan or HELOC with a score between 660 and 700, but you will be charged a higher interest rate, and lenders may require that other financial factorssuch as your overall debtare in extra good shape. This agency is a culprit in that their recent report to me and my wife reflect an abundance of incorrect information. The fact they rely on the banks and lenders is by an opinion a biased incorrect and damaging approach. We are all being held hostage by them all by design or incompetence. To this statement anyone can apply the facts and truth as I have stated. To think the CFPB will act for the individal is also a misnomer and charade/
Product: Credit card

They are still refusing to make my electronic statements available. I have tried to follow up and get updates with XXXX reponse. Not sure why they do not want to help customers
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

My Capital One credit card payment is due on the XXXX of the month. While scheduling the payment, on the evening of the XX/XX/XXXX I discovered that I had been charged a {$25.00} fee because I did not make my payment before XXXX. I receive paper statements in the mail and make my payments electronically. Nowhere on the bill did I see that I would be charged {$25.00} on the XXXX if I did n't pay by XXXX. I have never been charged a late fee by a company when I 've set down and made the payment on the date due and it is wrong for them to set some arbitrary time during the day of the due date to pay the bill. This is just a scam to create fees on accounts that are in the interest free period. From now on I 'll be sure to schedule the payments on the XXXX to avoid this.
Product: Debt collection

A debt showed ump on my credit report without trying to collect from me or ask if it was mine. I had insurance at that time so I don't think this is mine. Plus I never received any mail concerning this bill.
Product: Vehicle loan or lease

I asked U.S auto sales at the time about bringing the vehicle back because of the concerns I have with the gps going off randomly or the day of my payment they hit the " kill switch '' and I'm unable to get my wife to the doctor or just me going to work they said they'll take the vehicle with open arms back but I'll be responsible for the remainder, I asked why on multiple occasions if there is a defect that you guys installed that causes issues, I never get an answer always at that question the phone hangs up this dates back to 1 year from this month and always the same response! I would love to get from under them but it seems to be a nightmare of a financial trap!! Multiple videos of thos in my phone if proof is what your looking for!
Product: Credit card or prepaid card

This is a complaint about the added services that Chase Sapphire XXXX XXXX advertises. Specifically the travel benefits advertised. I am charged an annual fee of {$100.00} for these added travel benefits. The travel services have not been a benefit at all. 
I booked a flight, with points, for my father-in-law in XXXX which was cancelled due to his travel partner contracting XXXX prior to the flight. We cancelled the trip and the airline issued a credit through Chase XXXX in the amount of {$680.00}. This credit has been within the Chase system until today ( XX/XX/XXXX ) because we can only use it for my Father-In-Law. Again, the ticket was booked through my Credit Card ( XXXX XXXX XXXX for my father-in-law ( XXXX XXXX ). Chase offered no help or method of applying this credit to my account or issuing a refund for my account. In fact the only way I can use the credit is to call in and apply to a booking. This call in method takes hours. They also often times seem confused as to what or how there could be a credit and how it can be used or redeemed. I attempted to use the credit today and it no longer appeared on my account. When I called in to figure out why the credit was no longer in my account, I was offered no explanation but was pushed to book a new trip and my " unseen '' credit would be applied to the trip balance. When I attempted to book based on their parameters of it having to be used on my father-in-law and within a telephone call they informed me the round-trip flight I was looking for was not available. Not only is it available on the carrier 's flight, it is also available on the Chase rewards travel site. 

To summarize these are my main issues : 1 ) I pay a fee for the convenience of using these " preferred '' services.

2 ) These services are unhelpful and never resolve any of my issues 3 ) They are withholding funds/credits/points from me as the user and purchaser of goods and services.

4 ) Whenever I try to resolve this issue I spent hours upon hours attempting to figure out how to resolve. I am pointed into deadends and multiple avenues that never help.

5 ) I can not afford to let {$680.00} go to waste.
Product: Money transfer, virtual currency, or money service

I transferred {$87000.00} from my XXXX XXXX XXXX XXXX to WISE on XX/XX/year>. I got a notification that they needed a source of income, which resulted from the sale of my home, so they requested the final settlement statement, which I provided. They said that they were reviewing the information, and two days later, they asked for the bank account where the money was residing, which I provided. Then, I waited, and they asked for a personal bank account statement for the last three months, the latest three months statement of earnings from the freelancing platform, the latest personal tax return document submitted to the official authority showing declared income earned, and service agreement contract with my clients signed within the prior 12 months. As I retired this year due to XXXX  issues, I could not provide all of this information, which seemed excessive, so I called them to refund the money. However, the agent had to apologize for every single question I was asked, and he did not know the answers to the refund process. Right now, the WISE transaction is canceled, but despite my better attempts to provide the necessary information to get a refund, the money seems to be in limbo, and I don't have a way to provide additional information for the refund. It strange that given that this transfer came from our wire from credit union, they don't have the details to reverse the wire and send me back my funds.
Product: Credit card

I had this payment on automatic payment and my bank account was compromised and my bank closed my card. I did not get notice that my account was late before they closed my account affecting my credit. I had perfect credit before this incident.
Product: Credit reporting or other personal consumer reports

Equifax added and XXXX XXXX XXXX account to my report that I have no knowledge of at all. It is reporting on XXXX as XXXX XXXX as a closed account which isn't mine also. Please remove these account and negative items from my credit file as I have no knowledge whatsoever of these items.
Product: Checking or savings account

I have been depositing my life savings into Marcus ( by Goldman sacs ) savings account since more than a year. I have more than XXXX in that account. 
Recently, for the very first time ever that I tried to withdraw some money for a car purchase. It did not work out so i ended up with financing the car instead. 

When i tried to login at a later time the account said it was locked. I called multiple times to understand why it was locked with NO communication from their side. 
First time i was told it was a weekend and i need to call back on a weekday. And also they cant provide me information on why they locked it. 
When i called on a weekday i was told that the account was closed, and they cant provide me the reason why it was closed. 
I asked them to provide when they will be transferring back my funds and how would they be doing it. They said i will get a callback in 2-3 business days. I did not get any call back.

I waited for 5 business days and called them back myself, and they repeat the same lines saying it will take 2-3 business days. They also mentioned they don't know if they would transfer my money back via a check or direct transfer to the original linked bank accounts from which i transferred the money into Marcus throughout the months.

I asked them can i choose an option and they said i cant. I asked them what if the check is lost what security measures are they taking and they had no answer.

Overall, my account is closed, they are holding my funds, not giving me answers on when i would get back my hard earned money and IF they would be transferring the money back to me, whether that would be in a secure way or not.

I am tired of calling them multiple times. They asked me to verify my name, social, address, sent verification codes to my phone etc. Ive passed through all their verification/security checks to end up at the last with no answers. 

I would greatly appreciate any help in getting my funds back into my accounts. Please reach out to me if you need anymore information.
Product: Debt collection

Moved from XXXX XXXX XXXX in XXXX of XXXX. XXXX XXXX would not cancel internet in advance and account would remain open until equipment was returned and processed. There was NO LOCATION to return equipment in person ( ALL were closed ) ; there were NO SHIPPING MATERIALS received to mail. We incurred a debt past service, past the date we MOVED from the location. Was not our debt since we tried to cancel in advance. 
The debt is for {$240.00}. 
In XXXX of XXXX, our Mortgage Company contacted us with financial improvement and suggested we pay a Credit Control Corporation ( CCC ) debt on my Credit Report for XXXX XXXX. They asked that we provide a LETTER OF DELETION from the Credit Bureaus/Credit Report AFTER the payment was made. 
Credit Control Corporation, on XX/XX/XXXX, said they do NOT own the debt, they do NOT provide Letters of Deletion to consumers, but could provide a receipt, showing confirmation of amount of Payment TO CCC ( Not Frontier ). They could also send a letter via USPS ( snail mail ) reflecting Payment in Full. I was uncomfortable paying a collection agency who doesn't actually OWN this debt. 
I then called XXXX XXXX. They were willing to accept payment but verbalized ( on XX/XX/XXXX ) that they would NOT clear it from the Credit Bureaus and it would remain for 7 years from XX/XX/XXXX. 
I would like this collection removed from my Credit Report.
Product: Debt collection

Im not sure of the dates its been awhile the first one is credit collection services. Ive filed two disputes on it. And both have been denied and ive been told its going to stay on your report. Its for progressive car insurance for XXXX. Now before i switched car insurances the balance was paid and cancelled and i was told you owe nothing. And few months later i get mail from XXXX   claming i owe XXXX. I told them no i dont owe and told them what happened and they said well sorry someone lied to you and clamied i never paid the bill. And its like im responsible for someone elses mistake i dont think so.. 
The next one is XXXX XXXX XXXX/ XXXX and this was 2 years ago. We moved and we cancelled service and moved to another address and my wife had cable put in her name. And months went by and i get a bill from XXXX saying i owe XXXX i call and they say yeah you never called and cancelled your service 's. I explained what went on and they said oh yeah we see that but you still owe money for a disconnect fee. So we went down to the office on XXXX XXXX spoke to the rep and they said it was ok sorry for the issues will take care of it. Guess what never did and ive disputed that as well and getting told nope its gon na stay. This isnt right im telling the credit agencies thats not how it went and its like oh well now i cant even get a home because of this. Its needs corrected and those to debts need cleared ive fought and argued as well with the collector telling them the same things ive typed here. And disputed with them as well and all i get told is you can dispute all you like its not gon na go away how fair is that to me? Please remove the two debts ive listed they are not vaild and untrue. And both of these are " NO CONTRACT. '' Heres a link as well to XXXXaXXXX XXXX XXXX  XXXX & XXXX That also states that others have disputed items and its been removed and im saying that i owed no balances period.
Product: Mortgage

Quicken Loans sent a letter of solicitation to XXXX XXXX to refinance my home loan. XXXX XXXX is my spouse, but is not a legal owner of the property being solicited. The property is located in Oregon, which is not a community property state, and public record shows that he is not a legal owner of the property and never has been. He is not on title, deed or the current mortgage. I am very concerned with Quicken Loans advertisement/solicitation practices offering an individual who is not legal owner of my home to refinance my home in their name. My name is not on the solicitation at all, it is only addressed to XXXX XXXX, along with details of my current loan amount, and an offer of new refinanced terms from Quicken Loans. This offer and their means to obtain the information seems deceptive and illegal.
Product: Mortgage

I started a refi application of my primary residence with Premier lending inc, XXXX  CA XX/XX/XXXX, I submitted all requested docs and kept supplying all docs for 3 months, the last 6 weeks I have been waiting to draw docs and no answer to any of my questions, I honestly believe there is a discrimination against me, and there is malicious intention to delay the process but I can not identify the motive behind it This delay is causing me to force to sell a property that i would not have to sell otherwise My trial to resolve the delay was not successful as there was no answer to all my questions and emails and texts, i asked to speak to the CEO or the CFO but they have not responded I assumed that they are trying to stall fro funding as they are loan originators well but I Have a jumbo loan, and they only do the UW but not the funding, So I am Puzzled an don't know if i am contacting the right agency, PLease advice on where to report them so that their license can be revoked or suspended?

i have all docs requested and sent to be furnished upon request, and all email an dtext communications available upon request cpmany info XX/XX/XXXX Jurisdiction : CALIFORNIA Entity Type : DOMESTIC STOCK Status : ACTIVE Agent for Service of Process : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Entity Address:XXXX XXXX XXXX XXXX XXXX   XXXX  CA XXXX Entity Mailing Address:XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Checking or savings account

My original complaint to you was ID XXXX. You helped because they finally sent me a check for {$8500.00} which is what they took out of my account. However, I also asked them for the following : 1. reimbursement for expenses - telephone XXXX since XX/XX/XXXX for calling them to try to resolve the situation 2. interest on my money I could not access because of their incompetence in sending me the balance in my checking account of {$18000.00} plus the {$8500.00} illegitimate check they deducted from my account after I told them it was illegitimate 3. compensation for the fact my monthly pension payments could not be made because they insisted on closing my account, told me I could open a new one in a few minutes which I could not do because I live in the XXXX XXXX which they knew at the beginning of the conversation. This resulted in a long delay of my getting my funds. On top of that once I had the check for XXXX and deposited it into my Citibank XXXX account it took seven weeks for it to clear. Because of the extenuating circumstances and despite the fact that I asked for the money to be transferred electronically I would have hoped Citibank US could have guaranteed the check they sent to Citibank XXXX so I could have immediate access to MY money. This was a total of {$26000.00} which I had saved to pay my XXXX XXXX taxes and the lawyer 's fees for my husband 's recent death. When they said they could only send a check it took two hours on the phone to get them to agree to send it by XXXX. And then I had to call them constantly because they did not send it in a timely fashion- took weeks. Subsequent to receiving that check I had to call to get them to send me the {$8500.00} which only happened when you contacted them. This created financial problems for me in the short term because I did not have access to the money I saved to pay my bills. 
4. It also caused me great anxiety not knowing when and if I would get my money, trying to open a new account and trying to rearrange my two pensions to be paid to me by other means.

5. The fraud dept sent me a form to fill out and return in 10 days. It took 18 days to get to me. I called immediately and told them I just received it and would send it back special delivery. A few days later they closed the case because my form wasn't returned in ten days. 

In addition, their letter ( see attached ) does not respond to all the points I outlined in my earlier letter to them which I had sent to you ( see attached ). 

I hope you will be able to help me again and ensure that Citibank behaves with integrity and pays me compensation and interest. To not do so compounds their negligence and gross misconduct. 

Thank you for your consideration.
Product: Mortgage

I think I was bamboozled in to getting this loan. I was only supposed to be getting a solar panel loan and I ended up getting this refinance loan that I had no clue about because nobody explain anything to me. Nobody said that youre getting this loan and that loan at all so now I have XXXX bills being sent to me one from good Leap, and one from XXXX XXXX XXXX XXXX place and I was told that I have a refinance loan mortgage loan. I never asked for a refinance loan. I was never told that I was getting a refinance loan so now this is upsetting me and I dont understand why this is happening because I never asked for it and it was never told about it so I would like to do something about this I was I was tricked into getting this and its not OK with me. What can I do about it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. 

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX