23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Mortgage

I have a Wells Fargo business checking account which is linked to my Wells Fargo Mortgage account. Wells Fargo has linked the XXXX accounts, I am able to make a mortgage payment directly from my business checking account. 

We have an auto-draft for the mortage from my wife 's Wells Fargo personal checking account and have a monthly mortgage payment auto-draft on the XXXX of each month. 

I elected to pay my XXXX XXXX, XXXX using my business account. 

Wells Fargo still drafted my wife 's personal account and did not recognize the payment had been made from the business account. 

My wife had the transaction from her personal account and the overdraft fee reversed by a customer service rep after explaining what happened. 

On XXXX XXXX, XXXX the transfer of funds from the business account to the mortgage was reversed by Wells Fargo. No one from Wells Fargo reached out to inform me that this action was taken and it was only through complaining to the bank, in writing, and talking to representatives and looking at my account, that I learned the transaction was classified " incomplete '' and reversed by Wells Fargo. 

Wells Fargo subsequently deemed the payment, " late '' and entered derrogatory information into my credit history which will not be removed by the bank until XXXX. 

I am a XXXX and have the money to pay my mortgage. The XXXX XXXX payment was not a matter of missing a payment, it was a matter of a transaction being reversed by Wells Fargo.
Product: Vehicle loan or lease

Note : I filed a complaint with the company already. however, the manager in Customer Service advised me he did not think anyone from the complaint department would get back to me. The manager acknowledged the issue, but did not know what would be done do fix it. 

Recently, Kia Finance made changes to their statements and ( and according to the manager ), their payment application hierarchy. This has made the statements very confusing and the hierarchy change was never communicated to me.

Prior to the change, if I prepaid my lease one month in advance, I would get a bill indicating a due date and an amount owed as XXXX ( Example attached XXXX. Now, even if I am prepaid, it still shows me an amount due and the date it is due because the company keeps advance payments in suspense until the due date ... and then applied them.. 

This application of payment may be legal or not, but Kia has a systemic issue the CFPB must address, and it is that Kia repeatedly dose not have correct information on Statements ( Example attached ). For instance, even though my XXXX  payment was made prior to the statement date, it is not reflected anyplace in my XXXX or XXXX Statement, which causes confusion. XXXX Both attached ) When I called today, I was given misinformation at the first two levels ( CSR and 1st level manager ) and my call was escalated to a higher level manager in customer service who assured me my XX/XX/XXXX payment was applied, and that it should have been listed on my subsequent statement. This needs to be fixed. 

So my complaints are : 1. I want my payments applied on the day of receipt and not placed in suspense. 
2. My XXXX  Statement is incorrect and does not reflect my XXXX  XXXX  payment. I want it fixed for my records. Either that, or i want it reflected on my XXXX statement. 
3. Kia finance does not break down how your payment is applied on a statement. If you owe {$540.00} and pay {$600.00} they initially place your entire payment in suspense till the due date instead of applying it. Then, on the due date, the place the extra {$53.00} in suspense so that the next month, it can all happen again and they then take the {$53.00} in suspense and apply it to your payment, place your payment in suspense, and apply it on the due date - so even though you pay extra each month - you never get ahead and your payment amount never changes. The {$53.00} is just carried forward in suspense in perpetuity. If this is legal, it needs to be disclosed on the statement as such. I want my payment application broken down on the statement and for the statement to read I owe zero that month if my payment was already received. Kia is telling me I owe money, even though I do not, just because they'd like to keep the money in suspense. I f I sent it, and they got it ... I don't owe it. 
4. I'd like my past payments properly applied on the date of receipt and interest recalculated.

5. The statements with improper information problem is clearly a systemic issue. I'd like my future statement to be correct and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report on XXXX shows that Capitol One has been making credit inquiries to my credit at a rate of 5-6 inquiries per month since XX/XX/2021. Today I called Capital One, the Banking side and the Credit Card side, and both said that they have no records of making these inquiries and that no accounts have been open under my social # ( except for the one credit card that I am already aware of ). Capitol One said that there was nothing they can do about why my credit report shows that Capitol One has been making 5-6 inquiries per month for a year now to my credit. I think something wrong is happening if Capitol One is not making these excessive inquiries then who is?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I filed a chapter XXXX XX/XX/XXXX and it was discharged XX/XX/XXXX but it is still on my TransUnion report even though it has been fifteen years and it is only suppose to be there for seven.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credence Resource Management for committing identity theft. I have never given Credence Resource Management any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation therefor Credence Resource Management committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Credence Resource Management can not provide me with proof such as a signed agreement between me and Credence Resource Management giving them permission to work with me regarding any debt they believe that I owe or tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credence Resource Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credence Resource Management continues its collection efforts, I will file for litigation for actual damages caused and Credence Resource Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the initial affidavit and cease and deist demanding deletion of these alleged accounts on my consumer reports after learning these reporting agencies did not have written consent to furnish these accounts onto my report on XX/XX/2021 as well as a cease and desist demanding the consumer reporting agencies to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. The following alleged accounts are non-compliant, inaccurate, and unverifiable accounts that have not been certified under the testimony of facts. XXXX  is still reporting this alleged accounts on my private consumer report without my written consent per 15 USC 1681b ( a ) ( 2 )
Product: Debt collection

A certified letter was sent to Louisiana Recovery to verify the debt which they claimed I owed. The post office stamped the date as XX/XX/2019, and I never received a letter back from them. The debt was never validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax stopped me from getting new credit card from XXXX ... spoke with people in fraud dept at equifax ... XX/XX/XXXX we faxes to their agent -- -global consortium all information and copy drivers licience as requested ... we recieved a reply with incorrect information ... my social secutity number was stolen in XXXX ... ( XXXX XXXX XXXX..born XX/XX/XXXX was arrested and pleaded guilty.. ) my name in XXXX XXXX..REPORT FROM EQUIFAX -- - CONFIRMATION # XXXX ... .CONTACTED EQUIFAX TRIED TO EXPLAIN THE PROBLEM ... .THEY ASKED FOR MORE INFORMATION TO BE FAXED TO THEIR FRAUD DEPT & COPY OF SOCIAL SECURITY CARD ... ALL THIS WAS DONE ON XX/XX/XXXX ... STILL NO RESOLUTION TO THIS PROBLEM
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Collection XXXX XXXX - XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX - {$1700.00} XXXX  - XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} Inquiry XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I called TransUnion to resolve my last name being incorrect. They have my credit report listing under a last name that I have not had in 10 years. Two separate supervisors told me it was because my creditors are reporting to them under my previous name but when I call my creditors they do not have any record of my previous name as all of my accounts are within the last 4 years and were not opened with my previous name. TransUnion told me the only way they can change my name is to have my creditors report my name correctly to them however, as stated, they are all reporting under my current and correct name. I then called XXXX to verify my name and they have my correct current last name. TransUnion also verified they do have my correct last name in their account but refuse to change it saying it is just an A.K.A. and it's not my primary last name.
Product: Credit card or prepaid card

I received a Bank of America debit card after registering for unemployment benefits and the card says activate immediately. I have called every number ever known to Bank of America, and can never get through, can't leave a message, can't get a call back. I can't activate the card, and Yes I have tried everything on line. Your websites the website on the card and just trying on a hope and prayer that your XXXX app would be able to help. But nothing ... ... and this is completely unprofessional by Bank of America. It's either no user name, no passcode, your security info is not valid, don't recognize credentials, need a password. And it says a passcode will be sent but it never shows up. I just need something as simple as activating a debit card, but no help from Bank of America or UIA, or the Dept of Labor or XXXX  or anyone period. Really frustrated and expect some to step up and help me activate the card. And Yes I don't have a Bank of America account, but I was happy to use a debit card because I always felt Bank of America was a class above. Apparently Not. Need Help ... XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 Equifax, XXXX, or XXXX ) ] [ Address of the CRA ] Subject : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Dear [ CRA Name ], I am writing to formally dispute inaccurate, unverifiable, and unauthorized items on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have recently discovered several items on my credit profile that are inaccurate, unauthorized, and negatively impacting my creditworthiness. Additionally, my account was affected by the Equifax data breach, which raises further concerns about unauthorized activity and improper reporting. I demand an immediate investigation and removal of the following items : XXXX. Collections and Charge-Offs Remove any unverifiable or inaccurate accounts from XXXX XXXX XXXX XXXX XXXX which may be misrepresenting my financial obligations.

2. Hard Inquiries and Closed Accounts I did not authorize the following hard inquiries or closed accounts and demand their immediate removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to the Equifax data breach, my sensitive information was compromised, which may have led to unauthorized inquiries or accounts being opened. Any accounts that can not be 100 % verified must be removed.

Legal Basis for My Dispute : Under FCRA Section 609, I am entitled to request all documentation that supports the accuracy of the accounts and inquiries listed above. Additionally, under FCRA Section 611, any unverifiable, incomplete, or inaccurate information must be deleted from my credit report promptly. Failure to comply with these federal requirements may result in further legal action. 

Requested Actions : Remove all inaccurate, unverifiable, or unauthorized items listed above from my credit report. 
Provide documentation verifying the legitimacy of the disputed accounts or inquiries. 
Send me a revised credit report reflecting these changes. 
Please consider this letter as a formal warning that failure to resolve these issues in a timely manner will leave me with no choice but to escalate the matter, including legal action. 

I expect a response within 30 days as required by the FCRA. If you need further information, feel free to contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX
Product: Mortgage

I have a mortgage with " PHH '' that was transferred to them from " Ocwen '' in  XXXX of this year. ( XXXX ) I have paid my mortgage on time every time with both parties. 

In XX/XX/XXXX, I received a bill with an additional amount of {$1600.00} included in a field called " Assessed Expenses ''. My online account through PHH has NEVER reflected this amount and I never received any formal notice on why or how this amount was simply added into bill. Naturally, I called the company about it and I was informed that it was an error. I was told that I was not behind on any payments and that I should just send in my " regular '' mortgage payment amount. 

The same thing has happened with my bill for each month since then. Today I wasted an hour of my time on the phone between two representatives that where both trying to convince me that the charge came from a loan modification that took place 7 years ago in XXXX. Not only that ; but that the previous company " Ocwen '' randomly just decided to bill them for it this year in XXXX of XXXX. 

I asked some very simple questions that should have been simple to answer for any party requesting payment from someone. 

1 ) Why in XXXX am I just getting a charge for something that was fully executed in XXXX? 
2 ) What " fees '' exactly added up to this amount of {$1600.00}? 
3 ) How could a modification get completed without all of the fees for services required to complete being paid? 
4 ) Do you ( or " Ocwen '' ) have proof to show that I did not cover something that I was responsible for? 
5 ) If I had paid my mortgage off by now ; who would you have billed for this? 
6 ) Why did I not receive any additional form of communication explaining why this was being added to my bill and how I am now responsible for it? 

I did not receive a straight answer ( when they actually attempted to answer ) for any of these questions. As of today, my online account still only has my regular payment amount showing as due. Something is definitely off here. 

Please help me resolve this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX MRS BPO LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Request for Updated Letter Confirming Account is No Longer a Collection Account and Settled/Resolved Dear MRS BPO LLC , I am writing regarding the account referenced in your letter dated XX/XX/XXXX, related to XXXX XXXX XXXX ( Client Account ending in XXXX ; MRS Account Number XXXX ). While your letter confirms that this account is marked as " Resolved, '' it does not explicitly state that the account is no longer subject to collection. 

For my financial records and peace of mind, I request an updated letter confirming that this account is fully resolved, settled, and no longer in collection. This clarification is critical to ensure my credit and financial standing accurately reflect the status of this account. 

Please provide this updated letter at your earliest convenience. You may send it to the email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my XXXX, XXXX XXXX XXXX XXXX XXXX initiated a {$5000.00} wire to wire funds to XXXX XXXX. It said wire would be sent on XX/XX/XXXX. The money was never received by XXXX XXXX. I have gone round and round with Wells Fargo Bank to find out where the {$5000.00} is as XXXX XXXX does not have it and it has not been returned to my bank account. Wells Fargo case number is XXXX. They sent a message to me on XX/XX/XXXX that " the beneficiary bank responded on XX/XX/XXXX advising the funds had been credited to the intended account successfully. '' However, it is my understanding per XXXX XXXX as of this morning XX/XX/XXXX that no funds have been received.
Product: Credit card or prepaid card

On XX/XX/XXXX I charges on my Chase INK Credit card number XXXX a trip through XXXX XXXX  for {$1900.00} ( I will attach the XX/XX/XXXX billing on the subject card showing the charge ). The trip was to commence on XX/XX/XXXX. 

In XX/XX/XXXX I received an email from the XXXX XXXX XXXX which advised that XXXX was being suspended for having insufficient working capital, or being insolvent. Since the air flight and hotels was to be paid from the {$1900.00}, they obviously embezzled those funds for other purposes. See the attachment : XX/XX/XXXX letter. 

Since the above account was closed I was unable to dispute the charge on-line, so I called customer service and got the run around, including Supervisor XXXX in Chase 's Fraud Department. She refused to give her full name, and refused to move the matter to someone who to access the account. She was completely unhelpful. I sent to Chase through the XXXX XXXX XXXX the 2 issues ( see Chase Internal message XXXX XXXX -- attached ). That message also was an attempt to confirm your receipt of my attachments to this letter. 

The message XXXX XXXX from your Fraud Department ( why this was sent to them is unknown to me when it is a disputed charge ) wherein they too indicated that they were unable to find the account. Today I spend another hour wasting time calling the number provided in the message to no avail. The Credit Bureau specialist was my last contact. He found the account, but could only get to XX/XX/XXXX statement. He gave me an address to transmit a written complaint and dispute ( letter attached ). 

The INK Chase Credit Card advised that purchases were insured, and that I was protected against fraudulent conduct by merchants. 

Chase 's responses has always been that they can not locate the account, therefore they can do nothing. 

A friend and travel companion, XXXX XXXX used his same Chase Ink Card,  and they refunded his charge.
Product: Checking or savings account

I, XXXX XXXX, had reported this crime to XXXX police in XXXX, online report completed on XXXX XXXX, and am submitting more detailed information below as being requested. 
I received an email from Capital One bank that an overdraft fee has been charged on my checking bank account. When I logged in to enquire what's going on, I noticed many transactions over last 10 days starting XX/XX/XXXX to XX/XX/XXXX withdrawing money from my account, none of which were done by me. I immediately informed bank and they froze the account. 
On talking to Capital one bank representative in person, I came to know that bank sent a debit card to our old address in texas ( XXXX XXXX XXXX, texas XXXX XXXX ). That debit card was never requested by us and we were not informed that it was being sent. We had no idea because we had stopped living at that address for 4 years and had moved to XXXX and XXXX XXXX. That replacement debit card was activated by someone on XX/XX/XXXX as per bank record and all fraud transactions were done with that card from XX/XX/XXXX to XX/XX/XXXX. The transactions were done at following addresses : XXXX XXXX, XXXX, TX on XX/XX/XXXX XXXX XXXX  store XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  store XXXX on XX/XX/XXXX We reported this crime amounting to loss of nearly - {$4000.00} to XXXX police online reports system on XX/XX/XXXX. Please help us. 
Bank is not helping and avoiding this by all means. Bank is trying to close the account.
Product: Debt collection

On XX/XX/2020 I disputed this debt. I have never signed a contract with this company. I don't know who this company is. I have not done business with this company. I do not owe this company.