23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited a {$5000.00} check with Chase on XX/XX/24. The account was flagged by Chase and subsequently closed with a Debit DDA - Check Charge made on the account for {$5000.00} on XX/XX/24. I still havent received my {$5000.00} check back from Chase and theyve held on to my money for over a month now. Every time I call, the goalpost keeps getting pushed further out. Today is already XX/XX/24 and a representative I just got off the phone with asked me to wait another 4 days! Will I get reimbursed for the time value of money?
Product: Mortgage

Hellothe issue is that we were doing a modification that started with XXXX and then it was given to M & T Bank for continuation. Towards the end of our modification, our house was sold, although we had received papers from the court that they were giving us a date in court to stop the foreclosure sale that was suppose to happen the following week. Yet, our house was sold a week BEFORE the court hearing was suppose to take place and when all papers shows that the modification was taking place. I wrote to the court but they replied that hearing was final. I also appealed the courts final decision and the appeal was denied. I asked for a rehearing and that too was denied. Since the beginning I have tried to explain all the process to them. I haave sent and resent papers with proof of what I 'm saying with very detailed explanation and it seems that it has fallen on deft ears from banks to courts to everyone. I found your article in XXXX magazine and decided to write to you about it as a last recourse. I still have hope everything can be undone. They had also told me that if I showed something had changed they would take it under consideration when we were still in the modification, but although I showed my husbad was now working nothing was taken into consideration and nothing changed. 
Thank you
Product: Debt collection

OnXX/XX/XXXX I received a letter from Utah Billing & Recovery Services on behalf of XXXX XXXX XXXX ( XXXX ) that a claim had been placed with their office against me for {$420.00}. 
In XX/XX/ I had ordered a tshirt from XXXX through their XXXX page for {$39.00}. I was not allowed to select a size. I contacted the seller via email and stated that I had placed an order and that I needed an XXXX and could they please contact me to verify they received my information. Several days went by with no response. I then tried calling the seller and the call would never go through as if the number was disconnected. Thinking I had been the victim of a scam I contacted XXXX since the transaction was through them. I explained the situation and they opened a case. That same day I received an email from the seller berating me for contacting XXXX. The seller threatened to have me charged with bank fraud and have my credit ruined. I responded that I wanted the merchandise and that I just needed to let him know the correct size. I did not hear back from the seller. About a week later I received a shirt in the mail. It was a XXXX not the XXXX I had asked for. The invoice stated " no size specified ''. At this point I was done with the issue and gave the tshirt away. Shortly after receiving the tshirt I was contacted by XXXX. They asked if II had received the item. I explained I had and though it was the wrong size I was done with the matter. On XX/XX/, according to my bank records, the {$39.00} was released to XXXX. XXXX closed the case on XX/XX/XXXX 
On XX/XX/ I received the letter from the above mentioned collection agency. 
I am reporting the collection agency for not verifying any information before taking a case against me. They have a responsibility to not take fraudulent cases from unscrupulous businesses. A quick internet search revealed that this is a common practice for XXXX. The collection agency could easily find this information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XX/XX/XXXX I've noticed that one of my Bank of America credit accounts has been removed from XXXX credit bureau. 
I contacted the bank, a case number XXXX for account ends with XXXX was opened. 

About a month later I got a letter with the result : during the investigation they found that account reports correctly to XXXX and XXXX bureaus, but it doesn't report to XXXX. 
I was told that in case I want that account to be reported to XXXX, I have to fax signed request and provide the account number, so I did on XX/XX/XXXX to a fax number : XXXX to attention of XXXX XXXX. 

Two weeks later, in XX/XX/XXXX I got a second letter with the same request and on XX/XX/XXXX I've sent another fax message with the same request to report my account to XXXX. ( attached ) A month later I called and asked about the status, but I was told the case is pending until XX/XX/XXXX and I have to wait. I've asked few more times to get a witten letter with the case status, and finally my request was accepted and at the end of XXXX I got the letter under another case ID ( attached ), but the letter gave me no information at all. 

When I called on XX/XX/XXXX, they refuse to discuss and told me the case is pending until XX/XX/XXXX and I have to wait. 

Today I was told that the case is pending until end of XXXX and I have to wait. 

The account is still missing from XX/XX/XXXXcredit report. 

Please advise. 

Thank you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries under FCRA 15 USC 1681c-605 ( b ) To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries appearing on my credit report. These inquiries do not have a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, and therefore should be removed immediately in accordance with 15 USC 1681c-605 ( b ). 



The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these entities to access my credit report, nor did I initiate any transaction or provide consent for these inquiries. Under the FCRA, consumer reporting agencies are prohibited from including obsolete or unauthorized information on credit reports. 



Please investigate and remove these inquiries promptly. I request written confirmation of the resolution of this matter. Additionally, I ask that you provide the name and contact information of the entities that initiated the inquiries, as this information will assist me in protecting my credit and identity. 



Attached Documents Required I trust this matter will be resolved promptly. Please confirm receipt of this and provide an update within the statutory 4-day period. 



Thank you for your attention to this urgent matter. 



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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to my consumer rights it is a violation of 15 USC 1666b to report timing of payment. A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also the information being reported is false there were never any late payments and the account is closed and paid off. The account was always in good standing. Spoke with representative of creditors XXXX XXXX and was informed that the late payments would be removed as they confirmed they have received the letter from XXXX XXXX XXXX  informing that it was an error for it to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many dispute letters and CFPB complaints do I have to send to the Credit Reporting Agencies for them to completely remove all the fraudulent information being reported on my Credit File? I have been disputing for the removal of the fraudulent accounts and information from my Credit File for quite a long time already, but the Credit Bureaus do not seem to be paying any attention to my requests! The Credit Bureaus continued reporting the disputed items and claimed to be verified without them sending me copies of proof of verification and or proof of ownership. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. However, in my case, the Credit Bureaus did not only continued reporting the disputed items, they even claimed that the items are verified. Their willful non-compliance with the Federal regulation is a clear violation of a consumer 's rights which is under the protection of the Fare Credit Reporting Act. I am submitting this CFB complaint to appeal to the Credit reporting Agencies to once again, take a deeper look with my Credit File and remove all the disputed fraudulent items completely from my Credit File : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$4000.00} XXXX  XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$320.00} XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit card or prepaid card

I got my identity stolen because i first found out was on XX/XX/XXXX at XXXX XXXXsaying my payment of {$1300.00} has been charged to an account that supposed to be mine, but I dont have an active account with them. they said the order number is : XXXX and the payment mode was online. I contacted the number XXXX XXXX XXXX for customer support because it said if i did not recognize the transaction or dispute it to call. some one with a hard accent told me the order and account was started in california and when he found out i live in washington he said to use a comp [ uter right now so he can giude me through but i said i didnt have a computer in front of me at the moment, so he said his boss would be getting hold of me within XXXX hours, anbd never did. today i looked up the paypal number and its XXXX XXXX XXXX XXXX totally DIFFERENT! Then i get a email from XXXX saying payment comformatiopn XXXX of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) was sent to Texas address XXXX XXXX XXXX XXXX, XXXX TX XXXX, United States. Order # XXXX saying they are from XXXX and it will arrive on XX/XX/2023, XXXX and to call them at XXXX. I reseched XXXX number and its different.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found Santander Consumer USA had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application so a FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
Product: Mortgage

I am in the final stages of a loan modification. I drove to the corporate office in XXXX, California on Saturday XX/XX/XXXX because I had been unable to get anyone on the phone at Rushmore for Over Two Weeks. The only way they accept payment is by calling in to speak to an agent. I went to the corporate office to drop a check I have time-stamped pictures showing that I was there. 

When I logged in to see if the check was accepted my account says my loan was transferred to Rushmore Servicing XXXX. When I call Rushmore Servicing I only get a voice message that says my account is with XXXX XXXX but when I call XXXX XXXX they say they sold my loan in XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

THIS IS A JOKE AND LENDERS SHOULD NOT BE ALLOWED TO OPERATE LIKE THIS! 
I NEED TO SPEAK TO A SUPERVISOR. 
I NEED CONFIRMATION OF MY XXXX PAYMENT I NEED TO KNOW WHERE TO SEND MY XXXX PAYMENT I NEED AN UPDATED STATEMENT AND I NEED COPIES OF THE ORIGINAL MORTGAGE CONTRACT! 
TODAY I CAN NOT WAIT ANYMORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing delinquencies that are not factual, from a house that I use to own at XXXX XXXX XXXX XXXX XXXX CA. XXXX. XXXX  XXXX XXXX sold the loan and did not forward the funds in a timely manner to the new bank and it was reported as late. I paid both banks on time but it is damaging my credit by not being reported accurately. I have sent a certified letter explaining this to Experian and asked them to research and respond over 20 days ago I am still waiting to hear from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax reported on XX/XX/21 on my credit report which I didn't authorize or apply for any car loan and it appears on my credit report ... .Their address XXXX XXXX XXXX XXXX GA XXXX Their phone number ( XXXX ) XXXX
Product: Mortgage

I had an insurance claim on my home and Ditech must sign the insurance check and return it to me. I XXXX all their required information to them with the check and was informed it would take 7 to 10 days to process. On day 10 they stated they would finish processing and then would need another 3 business days until some would contact me to schedule an inspection and then once they heard back would need another 3 to 5 days to get me a check. So on a mortgage that I owe them XXXX on a XXXX property it will take a month to get a check. To add insult to injury I am in the process of selling my house and requested an exception and was told no way. Was on the phone for over an hour on hold to get this information in 2 minutes. Ditech is the worst mortgage company and should be held accountable.
Product: Vehicle loan or lease

I received a check from the XXXX XXXX Redress Administrator based on an order from CFPB to pay out. The check was dated XX/XX/XXXX however I didnt receive check until XXXX and it was damaged. I contacted company and was told to send check in with letter of explanation and a new one would be sent. Its been over 4 months and I still have yet to receive a replacement check. The amount is {$180.00}. The account number is XXXX and my name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information and I demanded them to remove ALL accounts. I never gave consent for them to report the wrong personal information that's attached to accounts that does not belong to me. These accounts was in data breach. Opened without my knowledge and consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Ulta XXXX through Comenity Bank that has no been updated through the credit bureau since XX/XX/2022. The account is paid off, but my credit report is still showing a balance.
Product: Debt collection

This began in XX/XX/2021. I notified said company ( XXXX ) of my cancellation after XXXX payment within the accepted time frame to do so. Their " contact us '' format was extremely non-user-friendly and they make it very difficult to contact them. Their cancellation policies were convoluted and misleading. There may have been delayed response time on their part due to COVID-19 which brings me to my point. 1. I respectfully attempted to close my acct/cancel my membership very soon after I opened it due to financial hardship and perceived XXXX tones on the site. 2. Once canceled I did not receive any notifications from them until collection started. 2. After what I perceived as a canceled membership, I came to learn that all they did was cancel the auto-renewal for the next year. 3. The nature of my cancellation was/is extremely sensitive and unfortunately a result of our times. 4. I explained that due to COVID-19 I was no longer employed and was facing financial hardship. 5. The overwhelming nature of our world crisis has taken a tremendous toll on me. 6. I stopped using the site immediately and dissolved my profile as much as it would allow. 7. I asked for it to be completely shut down. 8. They ( XXXX ) now claim there is no record of my attempted cancellation. 9. Due to their non-user-friendly cancellation policies, I never received a confirmation until I realized they had only canceled my I-year renewal. 10. AGAIN : Due to Covid-19 I was and still am suffering extreme financial hardship and therefore canceled my membership within the acceptable time frame. 11. Even though the cancelation process started during the accepted time frame their response time was slow, apparently ( without my knowledge ) pushing me into a " too late to cancel '' time frame. 12. There " contact us '' format did not give me a confirmation of my attempted cancelation. For the record as a side note : The XXXX temperament of the organization was off-putting as well. 
Summary : I canceled my membership due to COVID-19 causing financial hardship and I did so within the acceptable time frame. Regardless of whatever their policies state I am experiencing EXTREME financial hardship. In addition, I noticed a XXXX temperament within the website that was very off-putting. Lastly, it is disappointing that XXXX does not have policies that are current with what is happening in our world right now due to a Worldwide Pandemic but nonetheless my attempts to cancel were done within the accepted time frame. I urge them to update their policies and deal with the real world. I have sought legal counsel and my lawyer is willing to work pro bono for a limited time only as an adviser. In the plainest form... I have no money.
Product: Credit card

I have consistently ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Mortgage

I am asking for assistance with obtaining a COVID modification. 
Wellsfargo denied me due to title clearance. There is a co signer ONLY as I've always stated who is now deceased. Federal law stated if the co signer/borrower is deceased the other party will assume the mortgage in which I am totally and have always been willing to do. this issue with title clearance is not an actual issue due to the deceased having no ownership in the property. 

What does it mean to be on the title of a mortgage? 
If you hold title on a property, you own it. A property deed is the document that officially transfers ownership of the property from its previous owner to its new one. When you buy a house, the seller will sign this document, deeding the house to you Who is the title holder on a mortgage? 
When you buy a home, you become its title holder. Holding a house title is what gives you ownership over your property. There are several ways an individual or a group of individuals can hold title. 

This is mentally exhausting. Wellsfargo is fabricating information and instances and all I would like to do is save my home for my children sake. 

I never received and or requested a modification in XXXX. I wrote to them in reference to the change of the closing disclosure at the closing table. Closing was on XX/XX/XXXX. the disclosure presented by wells Fargo have fabricated dates and is not the one I was given. no one addressed the disclosure I uploaded. I submitted the original disclosure and the email from the loan officer who sent it. I never stated I am the only person on the loan as this is the reason I am unable to get a modification. However, I am the only person on the recorded deed to the home and as WellsFargo stated MrXXXX XXXX ( the deceased ) may have children who have rights to the home which is why they can not clear the title. this is very confusing. Up until the XXXX Pandemic I was paying XXXX every 2 weeks and my trustee payment. I did not expect the events to change things as drastically as it had. however, filing for the bankruptcy was my way of saving my home and complying with wellsfargo terms and conditions before the pandemic and to get the home back on track. i am unsure why wellsfargo is adamant on making this as difficult as possible despite my compliance. The pandemic happened to everyone, opportunities were set forth for everyone including those of us who where in bankruptcy. I've provided an obituary as well to no avail. This document is set up to appear as if this is a deliberate a delinquency. I have all supporting documents and audio recordings to prove I have been compliant, the misleading and unethical practices and the numerous contradictions. 

Proof of waiting for assistance