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

This is a NEW Complaint filed on XX/XX/2021. 

I have since sent in a Validation of debt letter to the following Company : CAINE & WEINER COMPANY , INC, The information provided was unresponsive to my demands. I demanded proof that I XXXX XXXX owe you CAINE & WEINER COMPANY, INC money, the response I was given via Mail/CFPB responses is not proof that I owe you money. In fact the company name : CAINE & WEINER COMPANY, INC is not even mentioned once on any of the paper work provided. Furthermore, Please provide PROOF OF this alleged item ... Specifically the Contract, Note or other instrument bearing my SIGNATURE, before continuing any collection activities on the account!
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Collections Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear Credit Collection Services, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ).

As a customer of Credit Collections Services, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing NPI. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties.

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures.

2. I have received no information on this matter only a bill saying I owe {$460.00}.

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise my opt-out rights regarding the sharing of my NPI. 

I take the privacy of my personal information seriously and expect your institution to comply fully with federal regulations. Please respond to this request in writing within 30 days. If I do not receive a satisfactory response, I may consider filing a formal complaint with the Federal Trade Commission ( FTC ) or other appropriate regulatory authorities. 

Thank you for your prompt attention to this matter. Should you require additional information, you may contact me at XXXX or XXXX XXXX
Product: Checking or savings account

VyStar Credit Union sent notice to customers its app and online banking systems would be down from Friday night XX/XX/XXXX to Sunday afternoon XX/XX/XXXX. As of Tuesday morning access to accounts has not been restored and their phone center and branches are massively backed up due to this outage. VyStar is inhibiting customers from accessing accounts, bill pay, XXXX transfers and basic reconciliation processes. They have not been transparent on an XXXX  to fix and this is harming consumers.
Product: Checking or savings account

I purchased a product from a business on XX/XX/XXXX using XXXX with my Chime debit card. I closed my chime bank account on XX/XX/XXXX due to their policies, I requested a refund from the business as the business I purchase the product from had shipping delays on XX/XX/XXXX. XXXX issued the refund to the closed Chime account and instead of rejecting the refund back to XXXX Chime accepted the refund without notifying me. I called Chime and they stated that I would have to wait 30 days for them to mail me a check. This is unacceptable, this is not their money and has no right to keep it for 30 days. The reason why I chime accepted the money instead of rejecting it was to put the money, that they have no right to, in an account that they earn interest on for the 30 days. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/2021. The business Chime stated in the response that they mailed me a check on XX/XX/2021 for the {$2000.00} that they accepted for a XXXX refund dated XX/XX/2021 on a Chime account that I closed on XX/XX/XXXX. To date, I have NOT received the check they owed me. I have asked for the tracking number of the check and a new check to be sent out and the Chime reps always say the same thing, that they will escalate it to another department and they will contact me via email in XXXX to XXXX hours. I have received no response via email of the multiple time I have called the customer service number and was told that someone would email me. I have called multiple times and the Chime reps are unable or unwilling to give me information on where my money is. I called XX/XX/2021 and the call started at about XXXX pm XXXX and it took about XXXX hours but I got a manager of the managers for the customer service reps named " XXXX '' who told me that they rejected the refund and sent it back to XXXX, and as proof, he emailed me the document I have attached which says nothing about sending the funs back to XXXX. I contacted XXXX and they did a trace on the funds which went to Chime who currently has them. It has been well over a month, I still don't have my money, can't contact anyone who knows what's going on or can help me. I have asked for a tracking number to the mythical check that no one can give me. I have asked for a new check to be sent out to no avail. I have also filed with the state attorney general 's office of California and contacted the FBI about this horrible company. My next move is to file in small claims court and name the CEO of this company as the defendant.
Product: Mortgage

I will like to add to the previous complaint number XXXX. I received the reinstatement letter that Chase sent me for the reinstatement of the loan which HAF program is helping save home. We are trying to reinstate loan and chase has violated two provisions of the FDCPA. Cites 15.U.S.C. 1692e which the debt is misleading and U.S.C. 1692f ( ) unfair attempt to collect unauthorized fees. They violated by charging a non itemized corporate advance balance to reinstate the defaulted mortgage loan. its unfair to consumers under FDCPA to hide the true character of the debt thereby it impairing my ability to knowledgeable assess the validity of the debt. Therefore the debt violated the the FDCPA.
Product: Credit reporting or other personal consumer reports

As of this date I have pulled all financial power of attorney from XXXX ( creditor ) with my attached POWER OF ATTORNEY REVOCATION Form attached that was recognized Signed & Notarized by XXXX XXXX for the state of XXXX As the principal of this account I have signed and do now pull all Power Of Attorney From XXXX ( Creditor ). This account is now closed to creditor. 

This Alleged Creditor Has Never Once Provided : XXXX. Chain Of Assignment Or Change Of Assignment XXXX. Date Of First Delinquency XXXX. Date Of Late Payment! 

XXXX. Or Proof Of Ownership Of This Alleged Debt
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are not transactions conducted by me as a consumer. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX # XXXX Account name : XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Selene Finance has asserted that my mortgage account is 15 months overdue as of todays date. However, this claim is perplexing for several reasons. 

First, I only became a customer of Selene Finance in XX/XX/year> when my mortgage servicing was transferred from XXXX  XXXX XXXX. If Selene Finance is attributing these 15 months of alleged late payments to the period before the transfer, this claim must logically originate from XXXX  XXXX XXXX. However, my XXXX  XXXX XXXX account does not show any record of missed payments, late fees, or delinquent statements during the period in question. 

This raises serious concerns about the accuracy of Selene Finance 's records and the validity of their claim. Furthermore, I have previously been assured verbally by XXXX  XXXX XXXX that my payment history was in good standing, with no reported delinquencies or missed payments. 

Given the absence of evidence supporting the claim of 15 months of missed payments and the contradictory records from XXXX  XXXX XXXX, I am left questioning how Selene Finance arrived at this conclusion. I have requested clarification and documentation from Selene Finance to substantiate their position, but they have yet to provide a satisfactory response. 

This issue further underscores the broader pattern of miscommunication and mishandling that has characterized my experience with Selene Finance. I request that Selene Finance investigate this matter thoroughly and provide : Documentation explicitly detailing how the 15 months of missed payments were calculated. 
A reconciliation of their records with XXXX  XXXX XXXX, including evidence to justify the transfer of alleged delinquencies. 
Immediate correction of any erroneous reporting to credit bureaus or within their internal systems. 
It is imperative that Selene Finance takes these concerns seriously and works to resolve this discrepancy promptly and transparently.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently was looking at my XXXX XXXX  as it has been a while since I looked at my credit score. Due to this whole corona virus thing I was told by my family to make sure all my credit is accurate. On XX/XX/XXXX I noticed a handful of things inaccurate which I'll explain and show you pictures. On My file it shows a Company XXXX and says I owe them {$370.00} this 100 % fraud and never approved from me. There parent company I called and they had no idea what I was talking about. XXXX I called on XX/XX/XXXX and the customer service rep she had said she would remove the entire thing after speaking to her for 20 minutes. However she than said didn't have the authority and I said call each credit agency and dispute this since it is not mine and couldn't be validated. Next up Late Fee 's I admit I had made mistakes however last year In XXXX I spoke with XXXX XXXX which also goes by XXXX about car loan. They had said they would remove XX/XX/XXXX & XX/XX/XXXX late fee 's as a courtesy however today It is still on there. Another car loan XXXX XXXX XXXX had also said they would give me a courtesy and remove a late fee from XX/XX/XXXX since I always pay on time. They were very understanding. However it was never updated to any credit branches. I also have a few hard inquiry pulls that I have no idea about and I believe them to all be fraud because I don't recall going to these banks or applying for anything with the following companies XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX. These are all 100 % not authorized by me. I called a few of thing but there lines were over an hour long. One of the companies did tell me that all the companies would have my signature if I applied with anything with them. I know I didn't on those dates with those companies so I am looking for all that to be removed from my report and everything else mentioned. Thank you.
Product: Mortgage

BSI, at our request, closed the escrow component of our mortgage payment and we agreed to pay our taxes and insurance separately, sending to BSI a monthly payment of {$2100.00} ( principal and interest only ). BSI confirmed this in writing twice, on XXXX XX/XX/2022 and XXXX XX/XX/2022. Notwithstanding this, BSI paid property taxes of {$3300.00} to XXXX XXXX XXXX on our behalf, and without our knowledge, on XXXX XX/XX/2022. XXXX then demanded an increase to our monthly payment of {$270.00} effective XXXX XX/XX/2022 ( see notice dated XXXX XX/XX/2022 from XXXX to us. ) However, the XXXX XXXX XXXX XXXX refunded {$3300.00} to BSI on XXXX XX/XX/2022, meaning there was, and is, no reason for the {$270.00} increase to our mortgage payment. Put differently, BSI is now double dipping, having received a refund from XXXX XXXX for the property taxes it paid, while continuing to get {$270.00} from us each month. BSI was made whole on XXXX XX/XX/2022 and is now seeking to enrich itself by way of an increased monthly payment from us, the accumulated amount of which must be refunded to us by BSI immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letter to Equifax,   XXXX   and  XXXX , stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also have f or two y ears have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

In or around XX/XX/XXXX I was convinced to sign up for XXXX. Back in XXXX was when the " XXXX XXXX '' were the new " Craze ''. I can not fully remember the name of the college, however it was a no name one that I signed up for. I went through he whole process of completing the XXXX XXXX loans for school and was approved. The government then sent a check to the school for my Classes/ Degree. I was then sent books for my classes and a class schedule. About a week or 2 after the classes started and I attended about 15 minutes of 1 class. I then realized that this was not for me. I am a visual learner. I need to be there in person, see things right there and be able to ask questions. Again in XXXX, the online learning was NOT what it is today. There was no XXXX or XXXX. There was no way to ask questions in class. I then dropped out of the program and requested that all of the funds be given back to the government, as I did not want to be responsible for loans that I did not use. In addition I sent all of the books back. Then about 7 years later, {$4700.00} worth of debt appears on my credit report. I have disputed this with XXXX XXXX, Equifax and XXXX on XXXX occasions. Also, back in XXXX following XXXX when they were offering the " XXXX XXXX XXXX '' I completed a 47 page application to forgive my loans. Due to the fact that they were NOT MINE. I NEVER attended this school and I should NOT have to pay for something I did not use. There was a point in time, where the loans seemed like they were getting smaller and going away. Yet, shortly thereafter they assessed ALL of the money back to my credit report. This debt has been held over my head for 20 years now. It has hindered my ability to get a vehicle, buy a home, even get a credit card. I have tried to take every step that I could to rid myself of this debt and it seems that no matter what I do, they never make any actual changes. The school that cashed this check should be responsible for giving the government back their money. I would understand IF I took the classes, got a degree, etc. then YES, I would expect to pay this debt. However, as I mentioned I NEVER attended any classes ( except for maybe 10 minutes ). I returned all of the books and told the school to give them back their money. I can not be held responsible for this. Maybe 15 years ago, companies could get away with shady doings of this kind. But it is XXXX and there is no way that you can legally make a person responsible for something they did not do.
Product: Credit reporting or other personal consumer reports

am listing XXXX Fraudulent inquiries from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Listed Inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Checking or savings account

Subject : Formal Complaint Against XXXX XXXX XXXXXXXX XXXX, XXXX WA office ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX WA XXXX, File number : XXXX ) I am writing to formally lodge a complaint against Merrill Lynch XXXX XXXX regarding improper account fees and alleged misconduct by their financial advisor, XXXX XXXX XXXX. And the matters described below pertain to my account as well as my child 's account under XXXX XXXX advisory. 


Key Issues : 1. Failure to Disclose Fee-Waiving Program : Since 2018, XXXX XXXX advisor XXXX XXXX XXXX XXXX XXXX failed to inform me and my child about the " Statement Link Service Enrollment '' program that waives annual fees for households exceeding a certain balance threshold, leading to improper fee collection over several years. She did not reveal this information even upon inquiry.

2. Improper Charges and Lack of Responsiveness : If the program details were disclosed when opening our childs account in 2018, unnecessary fees could be avoided by combining accounts. XXXX XXXX ignored repeated reimbursement requests, and Merrill Lynch management refused to address XXXX XXXX XXXX failure to disclose fee-reducing options. 

3. Unfair Practices : Despite holding Power of Attorney for my childs account, Merrill Lynch refused to allow me to manage and rectify these issues, citing privacy concerns. This restricted my ability to address financial damages caused by their lack of transparency.
Product: Mortgage

West Star Mortgage Company did not correctly apply my payment they received and will not correct the problem. I 've supplied West Star a copy of the cashed money order verifying that they deposited the money. They wrote me a letter stating that they will not correct the problem with out the wrong lender whom they have paid returning the money.
Product: Credit card or prepaid card

While I was on a XXXX XXXX flight to visit my parents in XXXX, TX ( with my credit card on my person ), 3 fraudulent transactions were made at " XXXX XXXX XXXX XXXX XXXX '' with my credit card in the amounts of XXXX, XXXX, and XXXX, respectively. This was on XX/XX/XXXX. 

I received a call later that night from my hotel room alerting me to the fraud, and when I checked my statement, sure enough, there were 3 purchases that I definitely did not make on my statement. I called to verify that yes, they were obviously fraudulent -- I was in XXXX, Texas. I thought that was the end of it. 

Later, after arriving home from XXXX, I got another call from USAA, my credit card issuer. They asked for more details around the transaction and told me that it was a chip transaction. I told them this seemed weird to me, as I thought chip transactions were not supposed to have this problem. The lady agreed and seemed very cold and suspicious. 

I said that I didn't know what happened but my credit card was with me the whole time and my family saw me not only vent about the fraud and how I would have to change my credit card number, but also saw me with my credit card on multiple occasions.

After telling the investigator I was sure it was fraud, she took some time to do her investigation. On XX/XX/XXXX, the same investigator called me back explaining that it was impossible for there to be fraud with a chip card. She said the investigation ruled against me. I said that didn't make sense because I wasn't there and didn't know anything about it and eventually started crying ( I'm saving up for a house and it was a lot of money ). She got uncomfortable, then angry, and hung up. She did not show any empathy through any of this. 

After researching my options, I called USAA to start an appeal process to the decision ( on the same day ) and also looked into hiring a lawyer. I will wait for the appeal before hiring a lawyer since they're expensive and a pain -- I really just want the whole thing to go away which was supposed to be the point of " XXXX  fraud liability '' as the bank advertises on the card. I always use my credit card instead of my debit card in case something like this happens and am very disappointed that despite what I was told in school and by parents, this card seems to offer no protection from fraud. I am disappointed, sad, and angry. I feel deceived.
Product: Credit reporting, credit repair services, or other personal consumer reports

They is a child support report on my credit report. I do not owe anyone child support
Product: Mortgage

Due to countless XXXX issue and my being on XXXX, we were offered a loan modification in the XX/XX/2014 and instead of helping lower our monthly payment they attempted to raise it by {$210.00} a month and said it was a very good deal and I should sign it. Of course I refused to sign papers and they, without permission held my XXXX payment so we would be in arrears and they could proceed with the modification in spite of my declining it. We want them to lower our payments by reducing our loan and reducing the rate, we do n't qualify for HARP and I know they have programs available they wo n't tell anyone about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Experian 's claim that the XXXX XXXX XXXX XXXX XXXX is mine and I filed repeated with Experian and CFPB and the problem still exists. I contacted XXXX XXXX XXXX XXXXXXXX XXXX and talk with XXXX ( Agent XXXX ) and she said that there is no way that Experian would have gotten certified conformation that the account is mine. Experian making this claim is false. She is sending me fraud form and copy will be submitted to the Federal Trade Commission and XXXX FBI.
Product: Debt collection

I have spoken to this collections department 3 times and explained what I am able to pay on a past due medical bill, but they continue to call and leave messages almost every day. I made a payment to them on XX/XX/XXXX and will make the next payment on XX/XX/XXXX. 

I WANT THIS AGENCY TO STOP CALLING ME AT ONCE! 

RS Clark & Associates, Inc. 
XXXX XXXX XXXX XXXX, Texas XXXX
Product: Debt collection

RAGAN & RAGAN , PC fraudulent practices with intent to cause harm are harassing me for an alleged debt that was not even validated. They are giving a false representation or implication that he or she is an attorney or that the communication is from an attorney. They are trying to coerce me to believe I am obligated to pay them when I have no contractual agreement with XXXX & XXXX. As I did not give them consent to communicate with me or for them to posses my nonpublic personal information in which is a violation that they have it and is identify theft under the FCRA & Title 18 CRIMES