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

TRANSUNIO CREDIT REPORTING AGENCY IS REPORTING XXXX XXXX ON MY CREDIT REPORT THIS ACCOUNT AND XXXX DO NOT BELOGN TO ME FRAUD IDENITY THEFT AND REMOVAL LETTER FROM XXXXXXXX XXXX  ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Mortgage

Dear Carrington Mortgage, I am writing to you on behalf of XXXX XXXX concerning the matter of a check sent to Carrington mortgage in the amount of {$2400.00} issued to your company by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to cover the mortgage payments and late fees associated with loan number XXXX. XXXX XXXX has inquired about the grant money with the XXXX XXXXXXXX XXXX XXXX  representatives, and they have the same information that XXXX retrieved. Carrington Mortgage received the amount of {$2400.00} on XX/XX/2022. XXXX XXXX requests an explanation as to where her Grant money is. 

We kindly ask that you provide a full explanation and supporting documentation regarding this matter. We would also appreciate a prompt response on this matter that XXXX XXXX finds urgent. 

Thank You, XXXX XXXX XXXX XXXX ( Authorized in The Carrington Mortgage Portal to act on behalf of XXXX XXXX XXXX
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 authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 61XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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

I agreed to purchase some goods from a vendor in a certain timeframe, which was guaranteed at the time of purchase. When the goods did not arrive, I emailed the vendor in advance of the deadline reminding them of our agreement. The goods still did not arrive by the deadline we had agreed at the time of pirchase. 

The Fair Credit Billing Act, 15 U.S. Code 1666, ( b ) ( 3 ) defines a billing error as " A reflection on a statement of goods or services ... not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. '' I complained to my credit card company about this billing error and forwarded copies of the emails which demonstrated the agreement made at the time of the transaction and how it was breached. I pointed out to the card company that the vendor had accepted responsibility for the billing error and wrongly offered me a 50 % refund of my money- which I refused. 

However, Chase Card Services refused to accept that this was a billing error and wrote to me to say " We found no evidence of a billing error based on our research. '' This conclusion was reached even though the vendor had admitted the billing error This is the second time is as many months that Chase has refused to accept an obvious billing error as a billing error. After I complained to you on the previous occasion, Chase immediately reversed its initial decision and accepted the previous complaint as a billing error. They will do the same here. The basis of this complaint is that Chase is SYSTEMATICALLY avoiding legitimate billing errors.
Product: Credit card

I received a Chase credit card. I set up my online account with my bank account. My daughter and I use the same bank. When I set up my first payment, they attempted to take it out of her account somehow and this caused her several fees. They returned the funds for the payment but would not do anything about the bank fees. I then paid the statement balance. Even though the statement balance was paid, they again, took the money out of her account. ( Double charged the entire statement balance. ) I called them on XX/XX/XXXX when the charge to her account was pending and they assured me it would not go through. On XX/XX/XXXX, it did go through even though I had paid the statement balance. This left her with no money, taking all of the money she had out of her account even though it was already paid and set up to come out of my bank account. When I contacted them, they said it was there mistake and they would refund her the money ( not bank fees ) but it would take XXXX business days. She works a minimum wage job struggling to save money and Chase took it all. They said there was nothing they could do.
Product: Credit reporting or other personal consumer reports

I am seeking remedy in the amount of {$1000.00} due to a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. XXXX XXXX XXXX was previously reported on my credit report as a result of the Equifax data breach. I have disputed this account, and as a result, it was successfully removed from my credit reports with Equifax, TransUnion, and Experian. Despite this, the account was initially listed due to willful noncompliance with regulations surrounding the accuracy and privacy of my credit information. I am requesting compensation for the harm caused by this improper reporting and violation of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to have negative reporting information removed from credit report using the dispute option online, in addition to phone conversation with representative and results are being reported the same.
Product: Checking or savings account

Im Filling a complaint against Bank Of America concerning monies taken from the XXXX XXXX ATM Branch on XX/XX/2023. According to bank Of America the amount of {$910.00} was taken from the XXXX XXXX XXXX ATM. I received an email stating that my acct was below the amount I set to be contacted if the amount falls below {$15.00}. I called Bank Of America concerning the transaction to see how was this possible they told me is was done through an ATM at XXXX XXXX branch I ask how is that possible when I didnt go to the bank that day and I have my ATM CARD present with me they told me is possible because thieves put scanners on the ATM machines to scan people cards, so I proceeded to file a Fraud claim with Bank of America.XXXX XXXX XXXX XXXX they sent me a letter back, telling me that claim has been resolved, and during their research, they reviewed the ATM footage and found that high made the withdrawal, and as a result, my claim has been denied.. I asked him to send me proof of the pics that made them come to that decision and I received the pics in the mail and that picture does not look nothing like me. So I refilled a second claim and just received the mail back today dated XXXX XXXX and it states again your claim has been resolved review the ATM footage and found that you made the withdrawal as a result your claim will remain denied. This is unacceptable Im on unemployment and I did not make that withdraw of {$910.00}. Please Help you are the 3rd agency Ive reached out to with no luck or help in retrieving my money from Bank of America.
Product: Checking or savings account

I want Wells Fargo to refer to my Account ending in XXXX, citing in CFPB Case Number : XXXX ; Case Number : XXXX, which was responded by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaints Management Office on XX/XX/XXXX for cashing my Check. ( See, Attachment, XXXX XXXX. ) Because, the Company 's Response to this Cause in Case Number : XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( see, Attachments, ENCLOSURE.pdf and final_responseIbeabuc... ) did not address why the Banking Practice which required to transfer my Accounts to the Nevada State Treasury was neglected in XX/XX/XXXX at Foreclosure. In that, my Account Address was changed in XX/XX/XXXX to Nevada Department of Corrections, at the instruction of the Bank 's Branch Manager in XXXX Oregon, in XXXX XXXX XXXX. Accordingly, an obvious in fraudem legis exist in the Discharge Check of {$47.00} issued to me on XX/XX/XXXX by Wells Fargo, ( see, Attachment, XXXX ) when there were unambiguous Uniform Commercial Code 's Tender of {$500.00} Reference # : XXXX XXXX  by the Bank on XX/XX/XXXX to my Inmate Trust Account # : XXXX, ( citing XXXX  Document # : XXXX which was a XXXX  Obligation to pay and credit all of the Disposition of Bonds of Damages assigned to me for ( XXXX  XXXX ) from Wells Fargo 's purchase by XXXX XXXX  XXXX  through XXXX, at-law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote Transunion a dispute letter asking them to verify a bankruptcy that is listed on my credit report. Transunion then responded back to my dispute letter on XX/XX/2021 and stated that they verified the bankruptcy on my credit report as accurate from a third party we hire but the third party is not the furnisher of the bankruptcy. I went to the United States Bankruptcy Court in XXXX, NJ and verified with XXXX XXXX, Case Manager Supervisor via a written letter that they do not share or furnish information to the credit bureaus. The original furnisher is United States Bankruptcy Court in XXXX, NJ and NOT any other third party that Transunion hires and claim that they are the furnisher. This is false information. 


I wrote TransUnion another dispute letter on XX/XX/XXXX and asked them to remove the bankruptcy due to inaccuracies which are damaging my credit report as they have falsely and illegally verified the bankruptcy in which Transunion responded back to me on XX/XX/2021 indicating that they are investigation the dispute again and will send me the conclusion of their investigation. Transunion then sent me another letter on XX/XX/2021 indicating that they have updated the information on my credit report after already illegally re-verifying it AND illegally claiming the bankruptcy as verified on XX/XX/2021 and the status that they put on the XX/XX/2021 response letter after claiming to have updated the file AFTER claiming they already reverified the bankruptcy as not specified. Transunion is claiming that they verified the bankruptcy remark, however I froze all third party bureaus on XX/XX/2021 XXXX it would be impossible to verify the bankruptcy remark when all of my third party bureaus are frozen. )
Product: Mortgage

On or around XXXX XXXX my wife and I started a refinance loan with state farm bank. It has since been 110 days and we still have not closed on the loan. We have provided all documentation in a very timely manner and none of the delays have been because of us as the borrowers. The loan processor continues to state that they are short staffed yet he just took off for several days. When we talk to the loan processors we are simply told that the loan is moving through the process and we are getting closer. Our processors name is XXXX XXXX and there is another processor named XXXX. Debt to income ratio is great, our loan to value is around 60 % and our credit scores are around XXXX or above. There is no reason for this easy of a loan to take so long. If there was a way that I could get out of the loan right now without having to pay any money as well as get a refund of my money paid I would. We feel very taken advantage of as a borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently asked XXXX XXXX, Experien, and XXXX Credit Reporting Agencies, to remove in-validated inquiries off my credit report. I have asked them for proof of these remarks. XXXX XXXX has sent me two letters, which state that they " Do not investigate inquiries ''. This is in violation of the Fair Credit Reporting Act. I have the " Lawful Right '' according to FCRA [ 632 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] to dispute/challenge any and all negative remarks on my credit reports. They  will not budge on my requests to investigate these claims.
Product: Checking or savings account

On Sunday, XXXX XXXX I set up a meeting to open a business banking account with an M & T banker named XXXX XXXX. The meeting was slotted for four days later on XXXX XXXX. When I and my pregnant wife arrived for our business appointment, we were told that XXXX was not in the office. Rather, he was at a training in a different state. At no point prior to this meeting had this banker communicated with us that he would be in a training and would not be able to assist us with the requested service, which M & T mandates be completed in a branch. A different branch employee offered to help, but M & Ts system would not allow him to work from the office in which he was located, so he had to take our information away on paper to open the account remotely. 

Upon receipt of the electronic paperwork, we noticed multiple errors and responded asking for updated paperwork to complete. Our emails have not been responded to and we have since had to find a new banking partner, causing issues in establishing payroll services for employees of our mental health care business. We believe our business has been prejudiced against due to the nature of its operations.
Product: Mortgage

XXXX XXXX, 2017 I am having problems with Bayview Loan Servicing , LLC. 
They do not acknowledge the receipt of my e-mails, letters, or faxes. 
They do not acknowledge the payment made for my Trial Payment Plan - Loan Modification. This is a  continuing challenge. 
I have been trying to get them to answer two letters that my wife sent them. 
One letter was sent on XXXX XXXX, and the other on XXXX XXXX, 2017. 
I have questions regarding the Trial Modification Plan - Loan Modification. 
However, BLS refuses to answer my questions, and let me know that if I did not accept the Trail Modification Plan - Loan Modification the way it is by XXXX XXXX, 2017 they will proceed with a Foreclosure Trial on XXXX XXXX, 2017. They are in total violation of the T.R.I.D act. How can Bayview Loan Servicing , LLC continue to do business in the U.S.A.? Their President is the former COO of XXXX XXXX which is under investigation for fraud.
Product: Mortgage

started processing my mortgage refinance on XX/XX/XXXX with citizens One Mortgage because they were holding my first mortgage. My credit score is XXXX and I only have one credit visa line of {$8000.00} with a XXXX balance having said that, all the requested documentation was sent to them within a month because I am a XXXX XXXX  from XXXX XXXX  serving 33 yrs and with XXXX XXXX XXXX. Well after all the documentation was provided XXXX, XXXX, XXXX, and XXXX still know closing but always excuses but in XXXX they said your loan will be closing soon. Soon was far away so I called after know communication from them returning my call. So, then My rate was locked in and it was about to reach the end date so I had to call them and ask if I would be getting a lower rate because my lock in rate of 3.875 was coming to an end and the loan had not closed because of them but I had to remind them, then they sent me a revised lock in rate at the same 3.875. Moving forward, I tried to get into my account that I presently have with them but to know avail could I go on line to access my account then when I called and I have called many many numbers they all said that I did not have a account with the account number given. However the account numerber is on my mortgage statement that I gave them. But every month they are taking out {$1500.00} via EDT automatic debit from my account. They would not return any of my calls. I have emails proving how many times out of frustration that I tried to have my call returned asking way my loan was not processed and why I could not get into my account. To that end I withdrew my Application on XX/XX/XXXX and still to this day I can not believe they still say my mortgage number is not valid with their company. 
Plus when I asked them to withdraw my application for refinance still they had not even thought of a closing date but my mortgage pmt is always debited on the first of the month. 
and
Product: Mortgage

Loancare is my mortgage company. They put in a COVID 19 partial claim on my behalf to help me come current. Its reflected with the VA as being sent to them in XXXX of XXXX. They never told me the partial claim was denied. It was denied because it was signed wrong. They never tried to get my claim resigned. In the meantime I made payments started like they said should be done on the partial claim. I made payments from XXXX of XXXX till XXXX or XXXX of XXXX and was informed that I couldnt make a payment, and not to attempt to make a payment bc my mortgage was in another partial claim. This went on until I think XXXX. Signed papers again for a partial claim modification, which I got duped into a 6.75 % interest rate with {$2200.00} payment a month, thats up from 2.75 % interest and {$1700.00} dollar payment. They never once tried to fix the partial claim that would have helped me and now act like they dont want to fix it to reflect the back amount owed that the VA will cover which is {$24000.00} and some change. I just want this company to come clean and do whats right. I couldnt help but default on the loan to begin with because of covid.
Product: Student loan

Navient and XXXX XXXX have ruined my life, my credit everything. I cant afford XXXX/ month in payments to them. Ive deferred them for as long as I possibly could but all that did was destroy my credit. Now everything major I have to purchase such as a car or applying for a mortgage Im either flat out rejected or need a co-signer. These companies are predators whove ruined countless lives. Ive argued with them countless times, Ive filed complaints with the XXXX XXXX XXXX, and the Attorney Generals office for their harassment. They call at all hours ( XXXX XXXX  and XXXX XXXX EST ) on phone numbers they werent given, and call every day included Sundays. Ive attempted everything I could think of a part of taking out a personal loan to pay them off. I can not refinance my loans becauase I did not graduate because it got too expensive to finish, therefore I do not qualify for refinancing. This system is flawed and wrong and needs to be stopped. They are the cause for a bulk of my XXXX XXXX  issues because of how relentless and XXXX XXXX they are. Ive asked to speak with supervisors and managers and was laughed at and told it wont matter youre still XXXX. Ive asked them how it feels to have XXXX  on their hands because of the crippling debt they cause young people, some of whom I know have actually ended their life because of the amount of debt they are in. They did not care and seemed to think they played no role in the amounting debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX {$15000.00} XXXXXX/XX/XXXX,2024XX/XX/XXXX XXXX {$860.00} XXXX XXXX2024XX/XX/XXXX{$21000.00} XXXXXX/XX/XXXX2024
Product: Checking or savings account

On XX/XX/XXXX, My card was charged XXXX $ at a XXXXXXXX XXXX XXXX. I wasnt aware of this transaction until the XXXX of XXXX because I didnt need no reason to check since I used my card around that time. I called my bank to tell them I didnt make that transaction ( first dispute ever ) and he said theyll credit my account within two days and it take 10 business days to investigate. Four days go by I called to inform them I still havent received my credit they said it might takes up to 10 days. I go & check on the claim one morning and they closed it because they feel as it wasnt fraud. If I never made the purchase how isnt it fraud? I never called them back and decided to try you guys. If it was something little like XXXX $ I wouldnt push it through but it was XXXX $ that I dont have to just dismiss this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX is reporting a Bankruptcy on my credit report and they have put in the data furnisher as being the XXXX XXXX  XXXX XXXX XXXX of Ohio which is false. I have attached a letter from the XXXX XXXX XXXX  XXXX XXXX Ohio verifying and stating that they do no furnish information over to the Credit Bureaus or any credit Monitoring Services nor do they verify, validate any information concerning Bankruptcy. TransUnion, XXXX and XXXX is falsely stating this information and yet to remove this from my credit report.