23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported my account as a Charge Off ( AGAIN ) since I filed my complaint on them XX/XX/2021. The dispute and investigation is ongoing right now. I received a credit alert from XXXX  Experian and XXXX indicating XXXX has sent charge off information again to them. In my existing complaint, this is one of my complaints that they are sending erroneous and inaccurate information to the credit bureaus as well as, harassing me for payments. Additionally, XXXX is reporting this information back to back each month. I thought credit reporting was reported once a month, however all there credit bureaus are allowing XXXX to report information 2 to 3 times each month, one day after the other. For example, XXXX reported Past Due 120 days on XX/XX/2021 and as a Charge Off on XX/XX/2021 BUT they had already reported this very same information on XX/XX/2021???? This is illegal according to FDCPA rules. In addition, XXXX has received monies from my insurance company, warranty and me to pay this vehicle off. I have reported this information to Attorney General 's XXXX in the state of Arkansas as well and do indeed intend on suing XXXX for their rogue and illegal actions. I have tried to submit a dispute with all 2 credit bureaus concerning this issue in the past and on today ; and I can not. Their system states, I have already disputed this item, several months ago ... and the submission to dispute continually fails to upload- again ruining my credit. This very issue- is an open investigation CFPB XXXX # XXXX. I am sending a copy of this complaint to all XXXX credit bureaus and officially filing a complaint against them today as well for their actions of denying me submission to dispute this matter. Due to this deliberate attempt on XXXX 's behalf my beacon points decreased by XXXX points.
Product: Debt collection

I received XXXX XXXX XXXX from XXXX  XXXX XXXX XXXX in XXXX NJ from XXXX through XX/XX/XXXX. 

I was subsequently bill {$2100.00} for costs not covered by XXXX and/or XXXX XXXX NJ. 

In XX/XX/XXXX, I requested to apply for financial hardship and was sent the application which I completed and submitted with all requested documentation of financial hardship. 

In late XX/XX/XXXX, I received notification from Savit Collection Agemcu om XXXX XXXX NJ that they were attempting to collect {$2100.00} on behalf of XXXX. 

I notified Savit by letter dated XXXX XXXX that was disputing the debt as I was in contact with XXXX re : financial hardship and had not heard anything back. 

I subsequestly received voice mail messages from Savit representative and returned their call, advising again that the debt was in dispute and I was awaiting response from XXXX. 

On XX/XX/XXXX, I received written response from Savit regarding my dispute. In that letter, they advised that they had marked the file as in dispute and had communicated that to XXXX. In that same letter, they informed me that XXXX had informed them that my financial hardship application had been denied and that XXXX had left voice mail messages to that effect on two separate dates. 

I have not received any notification -- written or verbal -- from XXXX regarding my hardship application and am still awaiting their determination. 

In XX/XX/XXXX, I received notification from the three credit bureaus ( XXXX, XXXX, and XXXX ) that Savit had submitted the bill as unpaid. This lowered by credit rating by approximately XXXX points. 

I would like this debt removed from my credit reports immediately and to be assured that it will not be placed on my credit report until my financial hardship has been determined -- with adequate documentation -- and I have had sufficient opportunity to review and respond to that determination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Account # IXXXX  I. Complaint : I am filing a complaint against IQ Data International , Inc. for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer. 
XXXX. Disputed Debt and Revocation of Communication : I dispute the validity of any and all debts IQ Data International claims I owe. I revoke all consent to be contacted by IQ Data International via email, text message, or phone call. 
XXXX. Debt Validation Request : I have requested debt validation from IQ Data International but have not received a response as required by the FDCPA ( 12 CFR 1006.34 ( b ) ( 5 ) ). 
XXXX  Purchase Agreement and Licensing Information : I request a copy of the purchase agreement between the original creditor and IQ Data International. Additionally, I request proof of IQ Data International 's licensing and bonding to collect debt in the state of Texas, as mandated by Texas XXXX XXXX. 
XXXX  Violation of FDCPA : Non-existent Debt Verification : IQ Data International has not provided debt validation information in violation of 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they placed a collection notice on my credit report. 
False & Deceptive Practices : IQ Data International is violating the Fair Credit Reporting Act ( FCRA ) by using false, misleading, and deceptive means to collect a debt ( 15 U.S.C. 1681s-2 ( 7 ) ( A ) ).

Failure to Provide Dispute Opportunity : IQ Data International has not provided a reasonable opportunity to dispute the debt as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
XXXX Requested Relief : I demand complete validation of the alleged debt, including the original creditor, purchase agreement, and account details. 
I request IQ Data International remove the collection notice from all my credit reports.

I request IQ Data International cease all communication attempts until the debt is validated. 
XXXX. Supporting Documents : I will attach copies of any relevant documents to this complaint, including debt validation requests sent to IQ Data International and any communication received from them. 
XXXX. Warning : I am aware that filing a frivolous complaint is a violation. I believe, to the best of my knowledge, that the information provided in this complaint is accurate and truthful.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I am composing this letter to complain about the three credit bureaus that are reporting unauthorized inquiries on my credit report. 
TransUnion XXXX and XXXX. I have contacted them several times and no positive results. They do not respect me and it is depressing. These inquiries have damaged my score and make it very hard for me to sleep at night. Nobody helps me when I call the customer service numbers. Please help me with these negatives reporting to my credit profile.
Product: Credit card or prepaid card

Family member stole my chime card and book the trip in my name and I asked time to give me my money back that someone stole my card from my phone and time decided the same day not to give me my money back and I talked when an attorney and they said they having a lot of problems with that issue with Chime and to cancel the trip they said they didn't see no problem with the transaction that don't even add up to cancel the trip and give me my money back they denied the claim about the police report for identity theft about this battle and chime will not give me my money back
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report, as reported by [ creditors name ]. This inaccurate information has negatively impacted my credit standing and violates the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681o, consumer reporting agencies and furnishers of credit information are liable for negligently failing to comply with FCRA requirements.
Product: Checking or savings account

On XXXX XXXX i XXXX XXXX a Wells Fargo XXXX account holder with Wells Fargo trusted FDCI institution I observed over several transactions that I myself XXXX XXXX XXXX didnt Authorize due to the unprofessional unethical conduct of investigation that was conducted who, whom, date and time account transactions were verified by whom investigated Consumers have 60 days from the time they receive their bill to dispute a charge with the card issuer or other lender. WELLS FARGO Account XXXX While the XXXX protects consumers from unfair billing practices, the Fair Credit Reporting Act ( FCRA ) addresses practices involving the use of a consumer 's personal information. 
customer reported that Wells Fargo had closed his account one that he was persuaded to open by a teller and never used after someone had fraudulently used the account. 
The customer said he only learned of the issue when he went to deposit a cash in the account. A assistant through the XXXX Wells Fargo said the account was closed because it had been overdrawn and that i would receive a letter I XXXX XXXX would like to keep my account in good relations I always had the balance of the account why pay a balance of something that was stolen from me I being robbed twice from the banking system and the scammer I would like to pay to keep my bank account
Product: Mortgage

I am the successor of the mortgage since my father has passed away. I have been trying to work with Wells Fargo on the documentation that they need so I can get a protection plan or forbearance done on the account. They do not pick up the phone. I have tried calling they have never called me and left a message. I have sent them all the documentation that they need and if they misinformation they send me a letter saying youre missing this and were no longer working with you. I sent in the last bit of information that they needed faxed it and emailed it and they still claim that they never received it and they do not want to help me on this matter. I have been working with a XXXX XXXX! Every time I call Wells Fargo I can not seem to get a hold of her and they give me some XXXX that doesnt know anything. They just absolutely refuse to process anything that I have sent them.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a wired funds, in the amount of {$860.00}, was initiated through Pentagon Federal Credit Union to the XXXX XXXX  XXXX XXXX for college tuition payment of my daughter 's housing while studying abroad. Initially, an incorrect swift code was entered but only the last digit. 

Sent : Swift Bank Code : XXXX Correct Code : XXXX Although one digit was missing, it appears that this did not affect the transaction. 

There have been numerous attempts to ascertain the whereabouts of these funds but a successful resolution has not occurred. The college, XXXX XXXX XXXX ( XXXX ),  states that they are unable to verify the wired transfer. Pentagon Federal Credit Union ( PENFED ) has not provided adequate assistance, and the XXXX XXXX  XXXX XXXX is non-responsive. I have asked PENDFED to retract my wire but believe that has not yet occurred for some reason. 

This appears to be a case of international wired transfer banking fraud as no one is able to determine the whereabouts of the funds. I have exhausted numerous emails between the college and PENFED. Today, I spoke with a supervisory operations personnel from, who was unprofessional and made statements that I should just contact the XXXX bank and that if he initiated a wire retract that I may not get my money back. And, If I spoke to any one above him that I would get the same answer. 

Truly, unprofessional supervisory customer service from a professional banker and I am at a loss for what to do next. 

All of this has cost a significant amount of time and wasted money. as I have had to re-schedule my daughter 's flight to XXXX. Until this is resolved, she us unable to attend school in the U.S. or abroad. XXXX will not let her obtain housing without payment, PENFED is not providing helpful assistance, and the XXXX XXXX XXXX XXXX is not responsive. 

My daughter is an exceptional student that recently made the Dean 's List and entering her third year of college. This has placed undue stress on our family and I am needing your unbiased assistance as I do not know what else to do. I am also in the process of drafting a formal complaint to PENFED Foundation 's Board of Directors. As a Veteran, I do not expect exceptional treatment/service but hearing the words you should just contact the XXXX bank  yourself, after waiting almost two weeks for that same institutions 's help, saddens me. 

Respectfully, XXXX XXXX
Product: Debt collection

KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$190.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Mortgage

I am a Client of Keybank who has been barred from calling or entering a KeyBank Facility due to not wearing a mask in their branch. After KeyBank made an error that they refused to fix, I filed a complaint with the CPFB. After filing the complaint KeyBank 's solution was to close my accounts and " exit '' my relationship. They closed my XXXX deposit accounts, but my mortgage, credit card and investments are still at KeyBank. I received a letter threatening me with legal action if I call or enter a Keybank facility. I can not call to get my online banking unlocked. I have also elected for online tax forms and mortgage statements. I have to send my XXXX XXXX XXXX son into the branch with cash to make the payment. 


I sent a letter to XXXX XXXX but haven't received a response in 2 months.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX, TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payments and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish.

These financial institutions have violated the following Federal laws : 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Checking or savings account

On XX/XX/2023 I made a deposit into my business checking account from my main client/employer ; XXXX XXXX XXXX in the amount of {$17000.00}. I received a receipt from the teller stating the full funds would be released and available on XX/XX/2023. On XX/XX/2023 I learned the bank lengthened the hold on funds an additional 8 days ( XX/XX/2023 ). I made payment arrangements for XX/XX/XXXX based on the receipt the bank provided me. 
I called the hold dept of chase bank and they informed me they could verify the check had cleared the makers account and release funds. The representative called US Bank ( XXXX bank ) and US Bank does not provide verification due to their privacy policy.

The rep offered to me a solution to have the maker call US Bank and get a register number.. again US Bank does not comply. 
I walk into chase bank branch where Im told the branch manager has quit and no manager is on duty. The teller made a request for hold release based on me showing evidence the item had cleared US Bank ( copy of the cashed item ). This was declined. The rep on the phone then told me there are various reasons for the continued hold and the funds will not be released. This has cost me significantly.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My loan matured onXX/XX/XXXX and I was not informed by the company, PHH of this issue. I received no phone calls and no other correspondence from them, and they continued to take my payments for 4 more months until they said they could not and I needed to pay {$55000.00} immediately. I have been working with them to get a loan modification, but that process has been rife with incompetence and straight up lies. 

The customer representative, XXXX, sent me a letter on XX/XX/XXXX saying my application was complete and good to go. On XX/XX/XXXX I was told the application was not complete and I needed to provide more documents. On XX/XX/XXXX I was told of a new set of requirements, and again on XX/XX/XXXX. Finally on XX/XX/XXXX after talking to XXXX, a supervisor I was told of another new requirement which she says they knew about since XX/XX/XXXX, but never told me. 

I have been told my account is a top priority, but that is not true. I was told my account would be expedited, but again, not true. PHH has delayed my loan and pushed my credit further down making it impossible for me to get a loan from another lender, forcing me to deal with them. I can only imagine the interest rate I may get, if I ever get through this process. 

All I want to do is to pay the now balloon portion of the loan and to fix my credit, but PHH keeps changing the requirements I need for the application. Their actions scream of being predatory at the least, a scam at the most and incompetent throughout. When asked if this has ever happened before I was told no, so I feel this is a case of discrimination against me as a person.
Product: Mortgage

I closed on my home in XX/XX/XXXX. At the time of closing my mortgage payment was {$4300.00}. Of that {$4300.00} the hazard insurance on the house was {$110.00} and the taxes on it was {$500.00}. The mortgage was pay on time starting XX/XX/XXXX till XX/XX/XXXX when the lender notified me that they did a escrow analysis and my mortgage was projected to be {$6100.00}. My mortgage payments were then adjusted to {$5400.00} for an extended period of time. I paid that amount until XX/XX/XXXX when I has personal issues. The mortgage was eventually modified after several tries and a lawsuit against the lender. Fast forward to today and I have had several structural issues with the house which made me revisit the documents related to the sale of my house. With regards to the lender I filed a complaint with CFPB regarding my loan and as a result they referenced the escrow analysis as if things were normal but then sent me an escrow payment ( which I had never received before for {$900.00} ). This piqued my curiosity so I visited the county treasurer to get the payment history on my taxes and what I found was disturbing to say the least. In XX/XX/XXXX the property taxes paid on my house by the lender {$220.00} which was very low for property taxes. Despite that payment the lender had {$3300.00} escrowed for taxes that it did not pay to the county. The following year with my payment being raised to {$5400.00}, the lender received {$18000.00} in money to be escrowed for taxes. That year along with the previously collected {$3300.00}, the lender was in possession of {$22000.00} in money escrowed for taxes. That year the lender paid {$8100.00} to the county treasurer leaving {$14000.00} in escrow. The following year with my mortgage being raised due to an " escrow analysis '' another {$9400.00} was collected towards escrow for taxes. For tax year XX/XX/XXXX the lender paid a tax bill of {$7900.00} leaving a escrow of {$1400.00}. Again, I reference the fact that up until the most recent escrow payment of {$900.00} I had never received an escrow payment before. The lender collected enough money in XX/XX/XXXX to settle any tax bills and an escrow analysis was over projected. The taxes collected from the original first payment letter would have had the taxes in XX/XX/XXXX short by {$160.00} a month and only {$150.00} in XX/XX/XXXX. Yet my mortgage was raised by {$1000.00} which more than covered the monthly projected shortage.
I have enclosed copies of the tax bills with payments, the original first payment letter I received at closing, and a copy of the most recent escrow payment.