23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt in question has been resolved with the help of CFPB under complaint number : XXXX. 

On XX/XX/18 at approximately XXXX I, XXXX XXXX spoke with XXXX XXXX GC Services Limited Partnership with regard to client account number : XXXX and was informed that the debt was still owed. I tried to explain to XXXX that the debt has been resolved and I have communication stating that fact. XXXX refused to listen and say I owed the full amount in question. 

This is not true as you can see under my original complaint number : XXXX.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX XXXX via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXXXXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXXXXXX XXXX XXXX has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate and inconsistent. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX XXXX violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether the account is verified or not ; it has become a compliance issue ; which XXXX XXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXXXXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXXXXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX XXXX  continues to falsely verify as accurate. This has to stop at once!
Product: Money transfer, virtual currency, or money service

Hi Sir/Madam, This is regarding the company called WorldRemit on XX/XX/XXXX I created a money transfer to XXXX to my savings account in XXXX XXXX XXXX XXXX for USD XXXX i have done many transaction with this company but all are less than USD XXXX, until this date i did not get my money into my bank so last 10 days i asked them to cancel my transaction and refund my money, the response from them is that their XXXX partner is having a technical issue, so i did a transfer for USD XXXX to my same XXXX XXXX  savings account on XX/XX/XXXX just to see weather they are telling me the truth. to my surprise the USD XXXX got transferred in 10 minute to my XXXX bank, then i called again and told them this transfer. 
the world remit representative said that it's because now they are using yes bank, my transfer for USD XXXX was through XXXX XXXX XXXX and they are still waiting for the confirmation from them. this does not wound right to me. please help me in getting my money back. i'm attaching my money transfer receipt of both XXXX and XXXX and the proof of my XXXX bank account with the same amount. my worldremit customer number is XXXX. the transfer number for the disputed transaction is XXXX. 
the transfer number on the USD XXXX which was done on XX/XX/XXXX is XXXX please help.
Product: Vehicle loan or lease

I called them to see if I can do something about the account they told me they had repoed the car but I still have to pay due to it not being in the best condition. I dont have the car and havent had it for over 3 years now and they still are reporting to my credit as open and its really affecting my credit score and me getting a new car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit card or prepaid card

Chase continues to make hard inquiries on my credit report, even though I never authorized them. I submitted a dispute letter and attempted to place a fraud alert with XXXX in XX/XX/XXXX. This stopped the inquiries for a time, but it started again on XX/XX/XXXX. 

The company 's information is as follows : CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Here are the dates that my credit was checked without my permission : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Mortgage

We are behind in our mortgage due to hardship but do not qualify for modification. I have requested a payment history, we have not received I have sent in paperwork for repayment plan, they claim not received. We do not have a single point of contact to work with for repayment plan, I can not access any information regarding our loan on line, We are requesting a single point of contact to go over options of repayment plan.
Product: Checking or savings account

Received an email from Chime advising me to set up direct deposit on a new account that was opened in my name. Advised that it was not me and asked them to close the account. Which they did. However, when I requested the information used to open the fraudulent account, they refused to provide without the last four numbers of my social security number, a police and identity theft report. 

I advised that I was not going to send my social security info through email and asked how I was supposed to report this to the authorities without the information. They proceeded to keep asking for the same information. 

All of this was communicated through email. I asked for a contact number to speak to a live person. That request was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on XXXX since XXXX although the account was transferred to another servicer as reported with XXXX  XX/XX/XXXX. I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly several years to get this resolved to no avail.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payment on the date below : 30 days late as of XX/XX/ 2018 ( All 3 Bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only  thought is that my statement did not get to me.
Product: Mortgage

On XXXX XXXX XXXX, Ocwen mistakenly applied my mortgage payment of {$1100.00} to someone else 's account number. I 'd like to get money back from Ocwen but up to today, XXXX/XXXX/XXXX, I still have n't received the money. I was in touch with XXXX XXXX, the Ombudsman at Ocwen hoping to resolve this problem but things do n't look so promising. The Call XXXX XXXX suggested me to submit a claim with consumer Financial Protection Bureau. 
Here is the history : On XX/XX/XXXX, I received a call from Ocwen saying I was behind on my mortgage. 
I called my bank and confirmed that the money has been taken out of my checking account on XXXX/XXXX/XXXX. However, Ocwen claimed that the company never received the payment for XXXX XXXX and that I was behind on my payment. 
After numerous communication, providing documentation and repeating the same story to multiple Ocwen representatives, on XXXX/XXXX/XXXX, Ocwen finally owned up to its mistake. Here is Ocwen official response : Our records indicate that on XXXX XXXX, XXXX, we received funds in the amount of {$1100.00} through check free which were applied towards the incorrect loan number : XXXX in error. 
The problem now that loan number XXXX has been service transferred to XXXX XXXX Bank XXXX, on XXXX XXXX, XXXX. In addition, my loan number XXXX has been transferred to XXXX. Ocwen told me to contact XXXX and provide a letter from them so I can get my money back. I did get in touch with XXXX and faxed them the letter from Ocwen on XXXX XXXX, XXXX. 
Today, XXXX/XXXX/XXXX, I follow up with XXXX to check-in where we are in the process. XXXX told me that the letter is insufficient and they ca n't give my money back. It 's been 7 months and I 'm still in a limbo.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  act # XXXX has violating my rights. 

15 USC 1681 section 602 states that I have the right to privacy. 

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish account without my written instructions. 

15 USC 1666B : a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th complaint against Toyota Motor Credit re Closed/Paid/In good standing acct # XXXX. Every month TFS reports incorrect delinquent information into my own and my cosigner 's credit reports with all CRAs since XX/XX/2017. Today my XXXX credit score dropped by almost 90 points, XXXX. AGAIN. They are playing with our credit scores and near perfect credit reports ... This is ridiculous that I can not get anywhere with these XXXX   employed by toyota motor credit ... 

I AM SICK AND TIRED OF THIS MICKEY MOUSE-RUN COMPANY. OUR ACCOUNTS ARE NOT AND WERE NEVER LATE OR CHARGED OFF. I PAID IN DUE TIME, TWICE I MADE A PAYMENT AND BECAUSE OF TFS NOT KNOWING WHAT THE XXXX THEY ARE DOING, THEY LOST THE FIRST PAYMENT. I MADE A SECOND PAYMENT. 

MY ACCOUNT SHOULD BE CLOSED/PAID IN FULL, IN GOOD STANDING. PERIOD!!! 

I DO NOT KNOW HOW TO DEAL WITH THIS ANY MORE ... I DO NOT KNOW HOW TO ADDRESS THIS ISSUE. SEEMS LIKE EVERY TIME SOME NEW EMPLOYEE REPORTS TO CRAs AND MAKES THE SAME MISTAKE. 

THIS ISSUE MUST BE FIXED ONCE AND FOR ALL. I DO NOT HAVE TIME FOR THIS. 

PREVIOUS COMPLAINTS # XXXX, XXXX, XXXX ... 
I FILED COMPLAINTS WITH XXXX, to no avail ...
Product: Credit reporting, credit repair services, or other personal consumer reports

marketed a preapproval program on creditkarma to refinance a car at a lower rate, it said i could get preapproved with no affect on my credit, company i was sent to is XXXX didnt like the offers on XX/XX/XXXX so didnt move forward and today XX/XX/XXXX XXXX checked my credit and summitted it to XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX i reached out and was told i gave explict consent and " there must have been some confusion sending the application through credit karma '' the extra inquires are affecting my credit and i didnt give consent
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Re : XXXX XXXX XXXX XXXX XXXX XXXX Dispute Regarding Misreporting of Loss Mitigation Payments Account Number : XXXX To Whom It XXXX Concern : I am writing to formally dispute the inaccurate reporting of my mortgage payments under the loss mitigation agreement signed on XX/XX/XXXX. Despite my compliance with the agreement and timely payments as required, these payments have been inaccurately reported to credit reporting agencies as delinquent, late, or otherwise in default. This misreporting has negatively impacted my XXXX XXXX and hindered my ability to secure better financial opportunities for my mortgage and other needs. 

On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, who incorrectly stated that I was delinquent, ignoring the terms of the agreement. She also advised me to request a certification from the bank but indicated no corrections would be made to the credit report. This lack of transparency and failure to address the issue has caused undue stress and financial harm. 

Under federal regulations, 12 CFR 1024.41 ( c ) ( 2 ) ( iii ) explicitly states : Payments made under a loss mitigation agreement must be properly applied as agreed in the terms of the arrangement ( see agreement attached ). Borrowers can not be classified as delinquent solely because they are making reduced or modified payments under such an agreement.

Please note that the above-mentioned payments are not reduced from prior loan, but higher.

Furthermore, 12 CFR 1024.41 ( f ) ( 2 ) prohibits the reporting of delinquency during forbearance or repayment plans when a borrower is in compliance with the agreement. As I have complied fully with the loss mitigation terms, the reported delinquencies and negative credit reporting violate these protections. 

I respectfully request that XXXX XXXX : XXXX. Immediately correct the inaccurate reporting to all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
2. Provide me with a written confirmation that the corrections have been made.

3. Ensure that future credit reporting reflects my compliance with the loss mitigation agreement.

4. Provide a detailed account history showing how my payments were applied to confirm compliance with federal regulations.

If this matter is not resolved promptly, I may file in addition to this complaint with the Consumer Financial Protection Bureau ( CFPB ), other complaints with other regulatory bodies, as well as consider further legal action to protect my rights. 

Thank you for your prompt attention to this issue. I look forward to your resolution. 

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

I'm submitting a complaint to inform you that I was a victim of fraudulent activity. To address this, I researched how to remove the fraudulent items from my report and found that I need to visit the Federal Trade Commission at https : //www.ftc.gov to file an identity theft report. Per FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report, reference number XXXX. Please find the attached documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : 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 XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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. According to FCRA Section 605B ( a ), credit reporting agencies shall remove any items in a consumer 's file identified as resulting from identity theft no later than four business days after receipt.
Product: Debt collection

On XX/XX/XXXX of this year, I filed a complaint with the cfpb in reference to this company under complaint XXXX. 

The company responded on XX/XX/XXXX commenting that they would send documentation to verify this debt. To this date I have received no communication or proof ( 28 calendar days from the original complaint ). I am asking for the last time for this entry to deleted from my credit reports before I take further action. Attached is a copy of another letter sent out today requesting documentation, which they claimed to have not received before. 

Copies to other companies listed
Product: Credit reporting, credit repair services, or other personal consumer reports

This tradeline is being reported after I have disputed more than 90 day ago. Pursuant 15 U.S. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This account was open XX/XX/XXXX. I filled an FTC report on XX/XX/XXXX. Pursuant 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I am asserting my right against Kia Motors. This contract is fraudulent.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shock to find that I have been a victim of identity theft I found numerology accounts on my credit report that was not open by me. This has been hurting me as I am in the process of buying a home for my family please remove the fradualent accounts from my report as soon as possible.
Product: Debt collection

the creditor contacted my ex wife and falsely told her that i used her as a refernce and disclosed my information to he also stating to her that if i drive the vehical that " I would be in big trouble ''. I do n't know how they even got her information to began with. Creditor is united auto credit corperation, the angents name is XXXX and his ID # XXXX.
Product: Credit card or prepaid card

I have had an ongoing problem with synchrony MasterCard XXXX for a few weeks now I had an XXXX transaction dated XX/XX/2021 and which I ordered a camera {$140.00} that was damaged I sent it back XXXX have proof of the buyer picking it up and signing for it however was never issued a return. I forwarded all my information to XXXX and synchrony about this transaction and their claims team did not do their job. I had to resubmit another claims XX/XX/XXXX and Im told I have to wait 90 days for this to proceed? When I have the seller of the item acknowledge that he has received it and has told me that XXXX is the one not issuing the return I have a problem here.
Product: Mortgage

Chase LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Chase is committing servicing fraud on this file. Chase is taking a week to issue closing approval and refusing to issue closing approval until XX/XX/XXXX. 


In their approval letter Chase requires the HUD and signed closing docs 72 hours prior to closing in order to have time to review the documents. Therefore, on XX/XX/XXXX ( Tuesday ) I sent the HUD and signed closing docs along with a request for closing approval so that we may close as quickly as possible. ( see attached documents 'HUD for closing approval us ' and 'Approval Chase all fe '. They would not un-pause the task to upload the closing docs until we called in and requested that it be done immediately. We request extensions automatically on all our short sales with Chase because they are so apathetic to the timeliness of these closings. We put an estimated closing date on the HUD of XX/XX/XXXX because Chase consistently requires multiple escalations in order to give HUD approval to close. We gave them extra time just in case we know they are incompetent to begin with and we ALWAYS have to call in and push them to do their job. As it turns out, there was no point in doing this. The Chase rep I spoke to today said that closing approval was scheduled to go out on XX/XX/XXXX ( same day as closing ) and they didnt care when the closing docs were received they refused to work on the docs within the 72 hours stated on their approval letter. ( see attached 'Approval Chase XXXX ' ) No one at Chase even seems to know what TRID means. Has anyone at Chase even received the federally required TRID training? As an originating lender Chase will not even order funds without closing approval which means they would have to have closing approval 24 hours in advance of closing. Waiting until 1 hour before funding cutoff is not acceptable. Chase is an originating lender and they should know this. Its not rocket science. 



Chase is taking ONE WEEK to review closing docs. THIS IS NOT ACCEPTABLE. 

Why is Chase directing their employees to violate their own approval letter? Why do we have to consistently push and escalate the closings with chase in order to get them to do their job??? 


We are not the only ones with these same issues - see attached 'SS Superstars same isses pdf '. 



Would you like us to post recordings of the phone calls online?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX & XXXX Account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries on my credit report that do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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