23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In XX/XX/2016 I contacted ChexSystems to inform them of the ongoing ID theft situation, of my name change, and of a new negative report by XXXX XXXX XXXX XXXX was reporting. ChexSystems informed me that I needed to file yet another NEW police report for ID theft although they were already in possession of a verified and valid one. Nevertheless, a police report was provided to them. I phoned and spoke to a manager who informed me that the dates listed on the police report were too broad and thus required modification to specifically list XXXX XXXX XXXX XXXX individually. The police report was modified at her request and forwarded to ChexSystems via a fax number that the manager had provided and also by US Postal Mail. In XX/XX/2016, ChexSystems informed me that they 'd honored my police report, conducted their own internal investigation and permanently blocked the XXXX XXXX account from reporting. However, I have recently decided to switch banks and have been made aware that ChexSystems is till reporting the XXXX XXXX. My current financial institution has further informed me that they have a subscription that has verified that ChexSystems never deleted the item, but it has been consistently reporting and that'swhy my banking services have been limited with them this entire time. I contacted ChexSystems and they now claim to have no record of any supplemental or modified police report being supplied to them. However, I have located the letter they sent me where they verified that they had indeed received it and deleted XXXX XXXX. I have been a victim of ID theft for several arduous years. ChexSystems is well versed on this issue. They are violating the FCRA by allowing verified fraud to be included on my report when they have vigorously verified its invalidity. At no time has ChexSystems ever notified me that they 'd either elected not to delete or had re-reported the fraudulent account. ChexSystems is required by law to permanently block and delete the XXXX listing immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows 3 credit inquiries related to a mortgage application. They had a system problem that caused me to have to submit the application 3 times ( one of which was done incorrectly ). It's OK for me to have 1 pull, BUT NOT 3 of them. 

They said they'd take care of these pull ( remove from XXXX  ) from myself and my wife but they have not done this.
Product: Debt collection

PLEASE HELP ME, IM GETTING STRESSED BECAUSE OF THIS ACCOUNT, THIS IS FRAUD AND WAS NEVER AUTHORIZED
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Mortgage

It must be awful when a mortgage holder is behind on their payments and the debt collectors begin their calls, it is another matter when a mortgage is current with payments, and the debt collectors call! 
Such is the practice of Green Tree Servicing , LLC. In conjunction with, XXXX XXXX XXXX XXXX XXXX. 
As a subscriber to the F.T.C. e-mail alerts and messages, I am aware of the recent court case involving Green Tree Financial, LLC. Yet I feel the wolf just found another path to avoid the shepherd. 
I noticed some unusual new information on my XXXX 2015 statement from Green Tree Servicing , LLC. 
Principal : {$510.00} Interest : {$400.00} Escrow : {$0.00} Regular Monthly Payment : {$920.00} Total Fees & Charges Due : {$0.00} Optional Insurance/Other Products : {$0.00} Past Due Amount : {$0.00} Total Amount Due ( Reinstatement Amount ) : {$920.00} Accelerated Amount : Reinstatement Amount? Accelerated Amount? Default??? 
Then the calls started from XXXX XXXX XXXX, and it is just too bad I ca n't attach these voice mails " This is an important message from XXXX XXXX XXXX XXXX XXXX. this is an attempt to collect a debt any information will be used for that purpose, please return our call back to XXXX XXXX extension XXXX '', this message followed with me everywhere I went in XXXX, my cellphone, my home phone, my business phone, my mothers ' phone. I called in response to every phone call I received. As an somewhat aware consumer I left messages, " I am unaware of any outstanding debt, yet I do not as a practice will pay and or converse in any matter of this type without an invoice and or written statement of the debt, I am willing to work this matter out in the most expeditious method possible up and to the event of arbitration. '' I never would receive a call back, just messages and voicemail. 
It was n't until I received a letter dated XXXX XXXX, 2015 from Green Tree Servicing , LLC that the pieces fell into place. " During a review of your account Green Tree determined that your billing statement dated XXXX/XXXX/15 inaccurately indicated your account was in default and erroneously included a reinstatement and acceleration balance. " That is nice, now what other damages, errors, omissions falls on the hands of the individual? Pay to pull all my credit reports, and if there is a " blemish '' caused by Green Tree 's erroneous actions?
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Tried to place a freeze with XXXX and Innovis and they are mailing me my PIN in 3 days. XXXX, XXXX, XXXX give it to you immediately online. My area has rampant mail theft and common mail mix-ups. On the likely chance I do not receive this mail, I will not be able to unfreeze my credit with them, and a random stranger could do it instead. It is very insecure.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Huntington Bank regarding unauthorized transactions on my debit card, mishandling of my fraud claim, and severe negligence that has caused significant personal and financial distress. 

Incident Overview : On XX/XX/year>, my Huntington Bank debit card was used without my authorization. I had flown from XXXX, FL, to XXXX XXXX, MI, for a camping trip earlier that day. Upon returning and logging into my account, I discovered several unauthorized transactions totaling {$5700.00}. I immediately reported the fraudulent activity to Huntington Bank and locked my debit card. 

Fraud Details : Subsequently, I realized that my XXXX and XXXX XXXX accounts were hacked. The unauthorized party used my XXXX XXXX account to intercept two-factor authentication ( XXXX ) texts. Upon discovering this, I changed all relevant passwords and promptly informed Huntington Bank of the updated fraud details. 

Huntington Bank chose to refund only two transactions from a company named XXXX, which occurred around the same time as the other fraudulent transactions. This selective refund process raises serious concerns about how Huntington determines which transactions are fraudulent. Their approach appears arbitrary and deceptive, further highlighting the bank 's unprofessional handling of my case.

Huntington Bank 's Response : Despite my timely report and multiple appeals ( at least two or three ), Huntington
Bank repeatedly denied my fraud claim. I requested evidence supporting the bank 's determination that the transactions were authorized, but Huntington failed to provide adequate documentation.

Additionally, I requested a replacement debit card multiple times. A Huntington representative falsely claimed the card was shipped but returned. This was demonstrably untrue, as I received other correspondence from Huntington Bank at the same address, including a letter containing my ATM PIN.

Consequences of Huntington Banks Negligence : As a direct result of Huntington Banks mishandling of my fraud claim, I could not pay my rent and was evicted, leaving me homeless. This experience caused tremendous emotional distress and severe hardship. Huntington Banks lack of transparency, failure to deliver critical financial tools, and repeated denials have been both unjust and harmful.
Product: Credit card or prepaid card

I utilized an 0 % XXXX balance transfer that was advertised to me by Chase Bank on their website for the XXXX XXXX Rewards Visa Card. I made a transfer in the amount of {$11000.00}. After completing my transfer, I began to be charged interest on purchases made even though I would pay more than the minimum payment and more than the dollar amount of my purchases. 

When I called chase to speak with them about why I'm being charged interest, I was told by 3 different representatives, that during a balance transfer period, unless the statement is paid in full ( in this case the full {$11000.00} + new purchases ), my payments would be allocated only to the lowest interest bearing amount first, then the purchases bearing the higher interest. Said differently, all my purchases that are accruing interest will not be paid off and will accrue interest until I pay off the {$11000.00} balance transfer. 

I was told that the interest provision described above was embedded somewhere in my balance transfer agreement, however it is not clearly stated. Unless the consumer was expressly directed to the subsection and made aware of where to find this hidden stipulation, it is very misleading to the consumer and is an unethical and unscrupulous attack on the consumer. 

Since XX/XX/XXXX I've made payments of {$6200.00} and have only made {$1800.00} in purchases, but I am still being charged interest on purchases because ( per the Chase Credit Card representatives ) the {$6200.00} has gone to pay down the 0 % XXXX balance transfer and none of the additional payments will be allocated to my purchases. 

Timeline below : As of my Statement Date closed XX/XX/XXXX, I had a {$0.00} dollar amount of purchases subject to interest accrual. 

On XX/XX/XXXX, I completed a balance transfer in the amount of {$11000.00} for an interest free period through XX/XX/XXXX. 

On XX/XX/XXXX, I spoke with 3 Chase representatives who all confirm that Chase will lock me into paying interest on purchases unless I pay off the statement balance in full. For this reason " they advise customers not to make purchases during a balance transfer period ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX XXXX, 2021, I sent out my dispute letter to you and its been over 5 months now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX, XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX, XXXX & XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. I still have not received any updated credit report from your office. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. 

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

Freezing your credit should be free after the XXXX data breach. Step it up Congress!
Product: Vehicle loan or lease

**THIS IS NOT A DUPLICATE COMPLAINT** SantanderUSA took part in a financing arrangement without lawful consideration rendering the agreement void ab initio . Similarly, the agreement was created in breach by ignoring and/or not giving XXXX XXXX XXXX full gaith and credit, full benefit, full remedy and/or recourse, providing accommodation and consideration to all applicable doctrines and accounting documents with full disclosure and compliance of the following : 15 USC 1605 Determination of finance charge 15 USC 1662 Advertising of downpayments and installments UCC 3-104 Negotiable Instruments XXXX XXXX Any and All Obligations IRS FORM 1099 C Cancellation and Reporting of Taxes As a result of the deficiencies found within the initial agreement between XXXX XXXX XXXX and both SANTANDER BANK its affiliates, subsidiaries including but not limited to XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX we again move to exercise our Right of Recission pursuant to 15 USC 1635. This response serves as our Notice to Cure and any escalation of these matters will enjoin XXXX XXXX XXXX and the XXXX XXXX XXXX and may lead to legal process at your cost.
Product: Debt collection

Account doesn't state an opened date but has a first delinquency of XX/XX/XXXX. This account appeared on my report on XX/XX/XXXX Payment Status states UNPAID Amount {$650.00}. Company Name : Collection Agency is CCS Collections, and the report also has the original creditor listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Department : CCS Collections Company on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report the beginning of this month which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE LISTED BELOW ARE 2 INQUIRIES XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Banks and XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX, XXXX XXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

These accounts are reporting inaccurately and are impacting my livelihood. I have filed disputes to have these account removed. Please remove these accounts from my credit report
Product: Mortgage

PHH Mortgage has refused to send a monthly statement for the month of XXXX. He month they keep sending them later and later and now they haven't sent the statement for both loans we have with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute letter to all three credit bureaus informed them that information that has been reported as on XX/XX/2022 from XXXX XXXX reporting fraudulent activity on my credit report. I advised them to investigate and delete this incorrect information being reported it is still showing on my credit report.. It is a company XXXX XXXXXXXX XXXX XXXX is still reporting and has a old account that is still showing should be deleted it keeps reappearing on my credit report it has been passed a 7 year mark, and it should be deleted off my credit report. 

I have also mailed identity that report and had it notarized along with the dispute to the credit bureaus certified mail I have also attached the postcards that I received that they did receive the information. 

Remove the fraudulent information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX past 7yrs it outdate in should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is illegally allowing/providing XXXX XXXX XXXX operating under Capital One access to my consumer reports prior to and after I requested to opt out of sharing consumer data. 

I currently do not have any accounts banking or credit accounts with Capital1, prior to XXXX, I had accounts with XXXX XXXX XXXXXXXX XXXX XXXX which were closed prior to Capital purchase of said brand. 

At no time did I or ask Capital1 for any additional lines of credit or to re-open any accounts my business was concluded with the cardholder once accounts were closed in XXXX. 

At no time did I grant permission purpose to Capital1 for any reasons in fact I sent XXXX a letter opting out of sharing data without my express written consent. 

Capital1 has illegally obtained/requested my consumer report every month from XX/XX/XXXX to present date. 

I attempted to reach out to Capital1 who refused to provide answers or cease and desist illegally accessing my consumer reports. 

I am requesting CFPB investigate and bring legal actions against both parties for illegally access consumer credit reports and enact or enforce current laws that provide consumer protection and relief from this abusive practice.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>. I paid this debt in full after struggling a lot with this company that loan me {$500.00} which I was only able to use {$400.00} because they werent clear and transparent about the fees, I got delayed one time paying this and since then my life became a nightmare, this company ended up charging me more than XXXX dollars for a loan of {$500.00}, which I finally paid after they threatened me with taking my assists and freezing my bank accounts and all the kinda stuff you could XXXX, I paid off the loan and when I requested them, specifically to XXXX who was the person Ive always talked to, she simply denied to send me the pay off letter, after a second email she sent me an email to contact XXXX who was a XXXX, she literally told me no pay off letter is gon na be send to me and that it should be enough just with an email which I dont feel comfortable to get only an email after being scammed by this company, they are not replying to my emails anymore, like at all. So I want this to be taken care of and this company to be investigated due to fraud, my rights are being violated here.