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

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer.

I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA.

Please investigate the following : INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 

I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have N0 record of me?

As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within XXXX  days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.
Product: Student loan

On XXXX XXXX I received letter from student aide that a class action that was filed against nelnet was approved and that my student loan in the amount of almost XXXX was going to be XXXXischarged and I would be refunded any money I paid towards loan. Right after nelnet went and put two more loans on my credit that were not there. When I called they stated my daughter defaulted on them years prior. I was informed they would be taken off my credit. However till this day they have taken the XXXX XXXX of and left the other XXXXwo. They took the other two off this week from my XXXX and it is still on my equivax report. The only reason they were taken off was because I disputed them. Now I have to dispute through XXXX because they have not removed it. This has caused me alotnof problems because I am retired and on a fixed income and shows my debt to ratio at a high rate because of what they did. Nelnet has been very uncooperative and keep giving me the run around. I would appreciate your help in helping resolve this matter. I enclosing my documents to show they have not done it right.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX XXXX XXXX  opened XX/XX/year> and they reported me late XXXX XXXX XXXX  days late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX which is not accurate and in XXXX my loan was transferd to XXXX and I started making my payments with XXXX and I just got a notification that I am XXXX  days late in XXXX with XXXX XXXX mortgage while I am ( was ) no longer with them and with XXXX I am in good standing no late there
Product: Mortgage

Hello, I'm writing to ask for your help with my mortgage company. 
My home was lost to hurricane XXXX on XXXX XXXX. It was destroyed and torn down. 

The insurance company was great and sent me two checks in both my name and the name of my mortgage company ( PHH Mortgage ), one for the amount of {$52000.00} and the other for {$2200.00} totaling {$54000.00}. They also sent me another check for the contents, but that was only in my name. 

I endorsed the two checks and sent them to the mortgage company. On-line, it shows they received these checks on XX/XX/19. 

PHH Mortgage ( the Loss Draft Department ) has repeatedly denied my request to apply this balance to my principle, they have denied my request to send the money back to me, and when I asked for a payoff statement, in writing they put that my 'Available Escrow Funds ' is {$0.00} - they and wanted me to sign and notarize that statement and send the difference of amount back to them. I refused to sign a statement that said I have no money in escrow. 

I'm at a loss of what to do next. They won't apply it to the principle, won't acknowledge my escrow amount in writing, and won't send the money back to me ....??? 

They do not offer an account representative, so each time I call I have to explain to a new person what is going on, and each time I am given a different reason why they can not help me. When I asked for the money back I was told that amounts over {$40000.00} can not be released without a letter from my insurance company saying they approve of this - then PHH would review and let me know if they would release the funds. 

My insurance company had never heard of such a request and does not want to get involved, but my representative did send me an email stating this, and she added that she does not understand why they are denying me access to this money. 

I have been making the monthly payments and have kept current with this account. 

I know they are a big corporation and I am just a small nobody, but I really don't have {$54000.00} to give away. It is all so frustrating. 

I would appreciate any help you can give me. 
If you can not help, please let me know what my next course of action should be. 

Thank you for your time,
Product: Credit card

I want Self to immediately close my credit builder account and my Self Visa Credit Card Account : XXXX. The Self Credit Builder and Visa Credit Account is a fraudulent account and the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Money transfer, virtual currency, or money service

I'm sure I am not the only one affected by this, but Coinbase ( virtual currency exchange ) had a glitch that incorrectly reflected the price of bitcoin cash XX/XX/2017. After my market order had been executed for {$5000.00} per coin, the company froze trading and the next day the price had been corrected to the normal price. The company says it is investigating insider trading but has made no effort to fix this with customers. 

I placed a ticket the day after and have spoken to support multiple times. They say they are overwhelmed with tickets and have assigned a specialist to review my case. A few days ago I found out my case had been closed with no resolution. 

I believe a severe case of market manipulation and should be investigated. I would like the money that I lost from this exchange refunded.
Product: Credit card or prepaid card

On XX/XX/2022 I made 2 purchases through my chase sapphire reserve cards chase dining service at XXXX and XXXX XXXX  in XXXX. I correctly made the reservations through the chase ultimate rewards portal and purchased as I have done before successfully. After not receiving the stated 10x points for the purchases I called chase sapphire customer service and was told i correctly did the process and they would investigate and then not notify me and to check my next statement. 

XXXX the ~ {$40.00} in points ( value at redemption ) still did not post so I called back and they again said I did the process correctly and that an explanation letter had been sent out and that they can not view the reason why it was denied so they restarted the investigation. 

I now received a letter from chase stating that both transactions were not done in the portal at all and that no points can be given and there is no appeal process. I did use the system properly and had my process confirmed with 2 different chase reps via the phone customer service line. I now have to file a complaint as a last ditch effort to have chase bank adhere to their own policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00}, XXXX XXXX XXXX Balance : {$22000.00}, DEPARTMENT OF INTERIOR XXXX Balance : {$19000.00}, DEPT OF COMMERCE XXXX XXXX Balance : {$18000.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit card

I have been charged XXXX consecutive months now of fraudulent and illegal interest by Barclays Bank on my Barclays credit card, on underlying XXXX charges ( see attached letter to Barclays Bank ) that I clearly detailed to Barclays as also being fraudulent. Incredibly, Barclays Bank even REVERSED all XXXX of these charges, AND XXXX related interest charge, by crediting the full amount of ALL XXXX of them back into my Barclays credit card account ; hence, they must have agreed with me! 

I have mailed Barclays Bank XXXX demand letters by certified mail, return-receipt-required, but Barclays ignored both! XXXX I can clearly show that Barclays has, hence, violated the XXXX Fair Credit Reporting Act, for which Barclays should be fined by the federal government ( assuming that act has any teeth!?! ). 

XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Mortgage

My mortgage is currently serviced by Nation Star. My regular monthly payments are {$500.00} per month and Nation Star has imposed {$530.00}, {$530.00} and {$530.00} monthly charges over the last 60 months ( see attached ). Nation Star claims that the increase in the overall escrow is due to an increase in taxes. However, my taxes were reduced from {$860.00} to {$510.00} per month, due to Kentucky Homestead law. My P & I is {$450.00} per month and since my taxes equal {$43.00} per month, therefore my monthly payment should equal {$490.00} per month. Overall, have been overcharged {$34.00} for a sixty month period, which equals a total amount of {$2000.00} overcharged. On XX/XX/2016 Nation Star demanded payment of {$920.00}, even though I have made all of my payments timely each month. Nation Star advised that these funds needed to be paid in order to avoid foreclosure. Nation Star has refused to prove up the math behind the alleged delinquent amounts. The statements that they have issued have not matched the oral amounts listed. Both CFPB mortgage servicing laws and RESPA law require that transparency within accounting be present during mortgage servicing. Nation Star is in violation of both CFPB and RESPA law. Overall, I feel cheated and deceived by Nation Star and I am seeking your assistance on this matter.
Product: Credit reporting or other personal consumer reports

Someone changed my information ( phone number, address ) on my Capital One credit card account. This has been happing several times from XXXX XXXX XXXX XXXX XX/XX/2023. I contacted Capital One but it keep repeating. I eventually closed the account on XXXX XXXX. On XX/XX/2023 I received alert the through email that someone has applied a Capital One credit card under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well.
Equifax : XXXX : XXXX : To : XXXX, Equifax, & XXXX.
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, BBB, and filing a law suit against Equifax, XXXX, XXXX.
Product: Checking or savings account

I had not received notice there was an issue with direct deposits until XXXX XXXX  after a full day not receiving my pay. I have autopay for some bills which transactions have not processed properly as well. 

I still do not have my paycheck after XXXX.
Product: Credit card or prepaid card

I haven't had access to my online account in over a year. They intentionally block users from seeing their balance. I had zero interest and then suddenly they added the interest because the account was not paid in full. The issue is had I been able to see my account I would've been able to increase my payments to close the account before the interest hit the account. Every time I need to make a payment I have to call them and I cant see my balance to know if they are applying it to my account and I dont know if the balance is decreasing. 

I have called and spoken to the payment department and they insist that the account can not be viewed because they updated the system. They have been saying that a year now. Im paying them blindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian marked XXXX XXXX verified during last dispute. 
Requested a copy of the contract to only discover as I already knew thats not my signature as Ive reported to XXXX multiple times Ive never signed a loan document with your company. Ive attached my New Cdl and my Social Security card as proof thats not my signature. Requesting immediate deletion of account do to not legally owning this debt Ive provided 3 attachments 1. XXXX Truth in lending 2. Cdl 3. Social Security Ive block out my vital information to protect me from scams and further identity theft
Product: Credit reporting

Experian refuses to let me obtain my paid credit disclosure online. On XXXX XXXX and again on the XXXX, I attempted to purchase my Experian disclosure online for {$12.00}. Although I entered precise, accurate identifying information and the address as exactly written on my previous Experian reports, Experian refused to let me complete the purchase online. Instead, they try to force me to call an automated number which can not accommodate hearing XXXX. I also do not wish to obtain my reports via mail as it takes too long and also it 's onerous to scan my XXXX report to save in PDF format. Obtaining it online allows quick conversion into PDF. Experian does this to force me to pay them over {$30.00} for a different online version which they do conveniently allow me to purchase online. I believe Experian refuses online access as a means to generate additional revenue when forced to buy the {$30.00} version.
Product: Debt collection

On XX/XX/XXXX I had contacted Radius Global to pay off a collection account in full. As I'm a veteran, I have been in a process of being able to get approved for a VA home loan. Upon speaking with the financing company, it was plainly stated that the only element stopping me was the collection account from Radius Global. 

The account was sent to them from the XXXX XXXX XXXX, in the amount of {$410.00}. I had spent a year in battle between the property management company, and the XXXX XXXX XXXX trying to resolve the issue. 

In XX/XX/XXXX I had to relocate from my apartment in XXXX back to XXXX. Upon my move-out, around XXXX I was informed that there would be no technicians available to get a meter reading as they were short staffed because of the XXXX pandemic. The property stated that everything was okay and they would be in communication to ensure the electric service would be reverted back to them. THEY NEVER FOLLOWED THROUGH. It was months until anything changed- until a new tenant set up service. So all heating through the winter, electricity used when they were doing any improvements or even showing the unit WAS AT MY EXPENSE.

I'd requested that Radius Global delete the account in return for my payment so I can simply move on with my life. A representative transferred me to a manager, for him to say " we don't do that '' and that he could forward a request to the " department '' in charge of credit reporting. But in his opinion, my reason for the request was based on " want '' and not " need ''. 

This is a disgusting practice, as I've been wronged by a total of 3 different business throughout the entire endeavor. I was offering payment on a silver platter, and after telling my story I was told it was my fault because I should have told them to shut off the electric service. The man cared nothing more than making himself feel superior because I suppose he's never had to fight so much to pay for something he never even utilized just to simply use a benefit he's entitled to. 

There is absolutely NO REASON for a company who never had anything to do with the debt other than buying it from someone else to keep something like that on a report. I suppose I'll live in my apartment in a progressively more unsafe area forever because a company is lazy. So much for utilizing the benefits I sacrificed years of my life for.
Product: Credit reporting or other personal consumer reports

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  : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have an XXXX XXXX card that is paid via auto debit from my checking account at XXXX XXXX. On my XXXX XXXX Banking I also have my Santander checking account listed from which I USED TO direct payments from before I setup the auto debit. XXXX has a product called Send & Split with XXXX. I have no idea exactly what this product is nor did I sign up for it but it seems to allow someone to send money to others. On XX/XX/XXXX my online account with XXXX was breached and someone initiated 2 payments to XXXX, {$4000.00} from XXXX and {$4300.00} from Santander. These payments would have satisfied the balance outstanding on my XXXX account. They then tried to send {$2000.00} out from XXXX to some third party. XXXX XXXX team managed to flag the {$2000.00} transaction, phoned me on XX/XX/XXXX at which time I confirmed I did not initiate any of these transactions. XXXX cancelled my existing card and issued a new one that will arrive XX/XX/XXXX. When I directed XXXX to return the {$4000.00} and {$4300.00} to my checking accounts they advised me there's nothing they can do until I receive my new card! But I need the money returned to my checking accounts NOW. My Santander account balance was approximately {$3300.00} so I am now in an overdraft position. When I phoned Santander on XX/XX/XXXX to advise of the fraudulent transaction and ask that it be returned they simply said they can not. What??? I work in banking ... .Yes, the XXXX can simply be returned to the originator! I said to Santander, " if for no other reason, the XXXX should be returned for Non-sufficient funds ''. They stated they don't return anything for NSF. They pay all the items. What?? I've never overdrawn an account nor should I expect a debit to my checking account be honored when I don't have sufficient funds. Santander simply said I can make a " Claim '' and they will investigate. Once their investigation is complete they will then determine whether to credit the money back to my checking account. This investigation can take 45-60 days!! So here I sit, with a negative balance in my Santander checking account that continues to get assessed overdraft charges! My original balance no longer available to me to use for my other bills or to grab cash from the ATM. 
Santander should have immediately returned the unauthorized XXXX debit. Santander should immediately make me whole.