23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I lost XXXX blank checks ( in my checkbook ) it was not stolen, but misplaced. I asked to have my checks stopped. there should not have been any fee on stopping a lost blank check, but I was charged for it. And in attempting to rectify the situation, service representative tried to put a hold on my account and close the account out, stating that it was policy to do so. 

It was averted, because I refused to give out my SS #, and problem was fixed finally by another rep in the supervisory role 2 hours later. 

However I wish to file a complaint for the service rep who deliberately mis-informed the customer and attempted retaliatory action in attempting to close the account when it was not needed.
Product: Debt collection

To whom it may concern I am allowed under the Hippa law ( Health Insurance Portability and Account of 1996 ) to protect my privacy and medical records from third parties, I did not give permission to any COLLECTION AGENCY XXXX XXXX XXXX for there release of my medical information to a third party. I understand that the HIPA allow for limited information about me but any details may only be revealed by patients consent or authorization. therefore my request is to remove following items, that the agency has failed show proof of verification. 
This a violation of my rights, the credit Bureaus have been required to remove Medical Debt less than a year old 15 U.S CODE 168lb ( a ) ( 2 ) permissible purpose of Consumer Report
Product: Credit reporting, credit repair services, or other personal consumer reports

My Information Was Used Fraudulently. I Didnt Make These Inquiries 



XXXX  XXXX XXXX) XXXX XXXX XXXX XXXX XXXX XXXX PA
XXXX  
XXXX XXXX
Inquiry: XXXX XXXX XXXX
-
Credit Union
(XXXX XXXX

Institution Information

XXXX XXXX XXXX XXXX XXXX XXXX, VA
XXXX  
XXXX XXXX XXXX
Inquiry: XXXX XXXX XXXX
-
Bank
XXXX XXXX


Institution Information

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX
XXXX  XXXX XXXX XXXX XXXX XXXX  Inquiry: XXXX XXXX XXXX  -
Bank
XXXX XXXX

Institution Information

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX
XXXX  XXXX XXXX XXXX XXXXL
Inquiry: XXXX XXXX XXXX
-
Finance/Personal
XXXX XXXX

Institution Information

XXXX XXXX XXXX XXXX XXXX XXXX, PA
19176
XXXX XXXX
Product: Credit card or prepaid card

After trying to acceess a refund for overpayment on my car loan with Santander Consumer USA- I was mailed a prepaid 'debit ' or credit card for use with the left over balance shipped in two cards. The phone number and website is run by XXXX or XXXX XXXX XXXX XXXX XXXX XXXX. The issuing bank is XXXXXXXX XXXX XXXXXXXX. Despite spending hours across several days, I was unable to access the monies due to me as a refund. When I called today, I was put on hold and told to retry online over and over re-entering my routing number, personal bank account number to attempt to transfer the money to my account. When I tried to use the money online as a debit or credit. transaction it also failed I want my refund now. This is abusive to force someone into a refund in this manner with such a faulty and poor unfair customer service process. The person on the XXXX number was not helpful.
Product: Debt collection

A request for validation of a debt that this company claims that I owe to them was mailed to them on XX/XX/XXXX via certified mail and was delivered and signed for by them on XX/XX/XXXX. That letter also requested that the company have NO further telephone contact with me, but that all communication be done in writing. Since that date, no information has been received from this company proving that this debt is in fact owed to them. Also, they have made 2 additional attempts to contact me by phone at which times, voicemails were left. First time was on XX/XX/XXXX and then again today, XX/XX/XXXX. I want this company to stop contacting me by phone. This account also needs to be removed from my credit report with all 3 of the credit bureaus since they have failed to validate this debt.
Product: Mortgage

LOANCARE HAS REPORTED our LOAN PAYMENT as LATE to the credit reporting agencies. My wife and I would like this removed, as this is through NO FAULT of ours. 
TRIED to file XXXX complaint against Loancare but XXXX system continually says : Error : Connection timed out The server is currently unavailable. Please try later. 

I have contacted Loancare directly via phone and was given the email address, XXXXXXXXXXXX, to resolve the issue, as the csr on the phone said he could not help. 
We have filed a complaint to XXXX on this regard against XXXX XXXX. 
Complaint # XXXX EMAIL was sent and returned to Loancare, at least XXXX different times, dating to XXXX, EMAIL, as sent, FOLLOWS : We have been receiving notices that we are late on our loan payments. We refinanced our loan with XXXX XXXX XXXX XXXX, XXXX and closed on XXXX. 
The closing documents were then sent via XXXX overnight to XXXX XXXX. The tracking number to prove they were sent and received is XXXX. 
XXXX XXXX address and Phone number is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Ph : XXXX I have also been in contact with XXXX XXXX of XXXX XXXX. His phone number is XXXX. 
XXXX XXXX states, " a wire went out. We 're not sure if there was a shortage or what, we 're trying to track it down. '' XXXX was the settlement company.The information I have for XXXX XXXX XXXX XXXX XXXX. 
XXXX, Pa XXXX XXXX : XXXX It would be greatly appreciated if LOANCARE could investigate this matter and remove the negative reporting behalf of my wife and I. 

Mail Delivery XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX to me This is an automatically generated Delivery Status Notification THIS IS A WARNING MESSAGE ONLY. 
YOU DO NOT NEED TO RESEND YOUR MESSAGE. 
Delivery to the following recipient has been delayed : XXXXXXXXXXXX Message will be retried for XXXX more day ( s ) Technical details of temporary failure : The recipient server did not accept our requests to connect. Learn more at https : XXXX [ loancare.com XXXX : socket error ]
Product: Credit reporting or other personal consumer reports

I have contacted TransUnion numerous times about the incorrect information listed on my report. Ive called several times and always told to mail supporting documentation. Ive sent copies of identity theft reports and there isnt a way to upload this information on their site. Everything I send supporting documents they refuse to accept the documents and lie and say they received information from a third party when Im the one who sent it. Ive told them several times about this and that they keep reporting inaccurate information on my report that has been removed with XXXX and XXXX, however TransUnion is failing to abide by The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). If this is not resolved as I have tried to resolve several times, I will be filling a lawsuit and getting an attorney involved due to TransUnion incompetence and unfair credit reporting.
Product: Checking or savings account

On XX/XX/2023, I discovered a fraudulent wire transfer of {$8900.00} from my account via " Online domestic wire transfer '' to an individual in Florida, whose identity remains unknown to me. 

I did not authorize or initiate this transaction in any way. I have never met or had any dealings with the recipient of this wire transfer, and I can provide documented evidence of my whereabouts and activities on the aforementioned date to substantiate this claim. 

To the best of my knowledge, I have not lost my phone or wallet, and I have taken all necessary precautions to safeguard my account information, including regularly updating my online banking password and implementing two-factor authentication. 

In light of this incident, I immediately reported the unauthorized transaction to Chase Bank, submitting a formal claim for the fraudulent withdrawal. However, I was deeply disappointed to receive a denial for my claim, indicating that Chase Bank does not find any discrepancies in this matter. They have not shared with me any documents that support that I did this transfer. 

I am writing to you today with the hope of resolving this issue as promptly as possible. The unauthorized withdrawal of {$8900.00} from my account has put a severe financial strain on me, and I am left feeling vulnerable and helpless in the face of this injustice. I trust that Chase Bank will take this matter seriously, reevaluate my claim, and conduct a thorough investigation to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Experian listed a new debt collector on my credit report. This debt collector is XXXX XXXX, account no. XXXX for the amount {$710.00}. I disputed this debt with Experian and they deleted it on XX/XX/2018. The first debt buyer was called XXXX XXXX at the time of removal. After I had the account removed they sold it to XXXX XXXX. I filed an Identity Theft Report with both XXXX and XXXX to block XXXX from reporting this fraudulent account on my credit reports. I have an extended fraud alert and locked credit reports. I have been a victim of identity theft and want the account removed. I have enclosed with this complaint to Experian, copies of my Identy Theft Report, FCRA 605B, Proof of Identity and, Experian Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received any investigation results regarding these accounts I disputed several times : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX  Account # XXXX XXXX | XXXX XXXX Account # XXXX XXXX | Chapter XXXX Bankruptcy Reference # : XXXX
Product: Mortgage

This company changes {$5.00} to make a mortgage payment by phone or through their website. You flat you have to pay {$5.00} each time you want to make a payment, costing consumers unnecessarily if they want to pay their mortgage down early. This should be illegal. Ive had 3 or 4 mortgage companies over my life and have never been charged a fee to make a payment.
Product: Debt collection

This is XXXX XXXX address XXXX XXXX XXXX XXXX. I have sent several requests for proper debt validation to convergent outsourcing XXXX XXXX XXXX XXXX XXXX WA XXXX. I have not received it proper debt validation. They keep sending me information which is not relevant. This company received and signed for the letters I sent them. They are continuing to report this account in my name constitutes collection activity specifically prohibited by the FDCPA. 

Here are the statutes in which your company they are in violation : 1. Failing to cease collection of an alleged debt after the Defendant notified Plaintiff in writing that the alleged debt was disputed, therefore violating FDCPA 15 USC 1692g ( b ) 2. Falsely representing the amount of the alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ). 
3. Failing to report an account as disputed on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 
4. The threat to take any action that can not legally be taken or that is not intended to be taken, thereby violating FDCPA [ 15 USC 1962e ] ( 5 ).

They are in violation of the FCPDA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom it  May  Concern, I had a bill from  XXXX  of a total of {$610.00}. I have the receipt of payment that shows I have paid the full amount. The amount of {$610.00} is currently open on my  XXXX  Credit Report. The status should be shown as closed. I have reached out to the  Collections Agency , as well as,  XXXX . They insisted they will close it the day I call, and it still remains open. I have no other choice, but to contact you. I am applying for a house loan, and it is imperative this amount on my   XXXX   shows a status of closed. I would like the assistance from your agency to handle this matter. At this point I have tried every possible communication with them with no help. I had made payment of total amount on  XXXX / XXXX /  XXXX  .
Product: Mortgage

I tried to modify my loan to make it more affordable but Chase would not modify my loan.
Product: Debt collection

My XXXX XXXX account was sent to collections after an address mix up. So this company sent notices to the address that I did not live at. I finally got the notices that were sent to the wrong address and sent them a letter informing them of my actual address and asking for verification of the debt. The verification never came to my actual address but instead to the address that I never actually lived at. Then about a month later I revived a notice from yet another collection agency that XXXX XXXX employeed because I had not responded to the request from the previous agency all because they had the wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that the informations are erroneous. The 3 credit bureaus are required to authenticate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed the that report prepared contains factually inaccurate and incomplete information. Im disputing the completeness and accuracy of the identified information listed in this dispute for which these items being furnished are patently incorrect and misleading in such a way that it can expect to have an adverse effect against me.

It appears that these furnishers listed in this notice are deemed to be unreliable sources and are using unfair reporting methods by furnishing inaccurate and incomplete credit information. I am currently being unjustly damaged because of this inaccurate and arbitrary information in my consumer report which is affecting my credit worthiness and ruining my reputation. 

Please conduct an reasonable investigation into this matter against account level documentation from these furnishers and do not just parrot any information provided by these unreliable sources. 
In a reinvestigation of the accuracy of credit reports, a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX  XXXX ) .The " grave responsibilit [ y ] '' imposed by Section ( s ) 1681i ( a ) must consist of something more than merely parroting information received from other sources. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ). 

Please see attached consumer report, as relevant information to this dispute, evidencing the inaccurate, incomplete, and unverified information for which is creating a materially misleading impression.
Product: Student loan

We applied for the SAVE plan which would lower the amount of interest accrues monthly in XXXXXXXX XXXX XXXXXXXX with XXXX. Our application was processing until XX/XX/XXXX when Mohela assumed our loans. XXXX processed our application on XX/XX/XXXX, but our loans had already moved to Mohela. 

Mohela assumed our student loans on XX/XX/XXXX. Application processing times were 30 days. Our application has been pending since. 

On XX/XX/XXXX, Mohela representatives stated that it would be processed in 3-5 business days. She suggested that she resubmit the application in order to get it processed faster. 


XXXX XX/XX/XXXX, Mohela representatives stated that it was still processing and should be processed in 3 business days. She suggested that the initial application on XX/XX/XXXX would be processed first. 

On XX/XX/XXXX, the Mohela representative stated that it had been assigned to an agent on XX/XX/XXXX and should be reviewed and processed quickly. 

On XXXX XXXXXXXX, the agent said that it should be processed quickly and submitted to a new application. 

It is over {$400.00} a month that wil be sudsidized by the SAVE plan and we have spent hours on hold and talking and explaining to Mohela the situation. The last agent apologized for the expensive processing delay. I have sent multiple messages through the portal but they send a form email back with no info. Each time I call, I am greeted by a friendly agent who makes promises that are never actaully upheld. I called today on XX/XX/XXXX and asked to speak directly to a supervisor. I was then forwarded to a voicemail that states that the wait time to talk to a supervisor is too long so leave a voicemail and they will get back to you within a few business days. Each time that the XXXX of the month rolls around, Mohela 's processing delay has ensured that another $ XXXX of interest will be added to my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, XXXX  I am sending this request myself XXXX  address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX G Inquiry Date XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XXXX ; XXXX  XXXX Inquiry XXXX XXXX ; XXXX XXXX XXXXXXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Transunion directly via telephone to file a dispute. They stated I need to mail in the documents I had for the dispute along with a cover letter with a report number. I did this the same day via priority mail with my local post office. They received everything on XX/XX/XXXX. 

Today, XX/XX/XXXX, I received a post card from Transunion stating they had added a fraud alert to my account as requested. The post card shows an issued date of XX/XX/XXXX. I immediately contacted them via telephone and spoke to a supervisor after another representative could not verify my identity. The supervisor asked the same questions that the previous person asked me. One of the questions was about an account that was opened in XXXX of XXXX and what the credit limit was. Since I opened multiple accounts in XXXX around that time, I stated I could not accurately answer that. The supervisor stated they could not do anything about the fraud alert on my credit report because he could not verify me because of that one question. 

I then questioned him on how Transunion can even add a fraud alert to my credit report without my authorization and he could not answer. I informed him that I never requested it in the first place and never authorized Transunion to add the fraud alert and that his company commited fraud. 

I then went on to question him on how he could verify me by my social security number to pull up my credit report along with my middle name and suffix, but couldn't do the same to remove the fraud alert that Transunion fraudulantly added to my credit report. Of course, he could not answer the question.
Product: Student loan

XX/XX/XXXX I made dispute with XXXX that there information was in accurate and false reporting. After further reviewing the Direct Consolidation Loan Application and Promissory Note. I requested for the Promissory Note with my signature but instead it's a typed out. Further more the note stated I attend college in CA in XXXX but on the AIDVANTAGE website it states I went to college in XXXX at XXXX XXXX in XXXX FL, how can I attend a college in Florida and live California. this document doesn't have a Florida address. Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. I did not attend this college in Florida! I requested a Promissory Note with my signature but instead I'm given XXXX  with false reporting of Identify theft of my information attending a college in Florida but yet this document states I lived in California ( I WOULD HAVE APPLIED FOR A STUDENT LOAN IN THE STATE I LIVED IN! I CAN NOT APPLY FOR A STUDENT LOAN IN FLORIDA AND USE A CALIFORNA ADDRESS ATTENDING THIS SCHOOL. BY LAW I NEED TO RESIDE IN THE STATE THAT I WAS ATTENDING TO GET FINANCAIL AID! THE FOLLOW ACCOUNT : School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED Disbursement Date XX/XX/XXXX Original Principal {$4500.00} School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED Disbursement Date XX/XX/XXXX Original Principal {$3500.00} THIS MATTER WILL BE REPORTED TO THE FTC NEXT IF AIDVANTAGE REFUSES TO INVESITGATE
Product: Vehicle loan or lease

HI FOR THE LAST THREE YEARS COULD NOT GO BACK WORK DUE MY PROPLEMS FICCIAL I'LL APPLIE FOR XXXX ON XXXX XXXX XXXX AND STILL WORKING MY CASE I'LL HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX THY HAVE ALL MY INFORMATIO ON MY RECORD AT THE XXXX OFFICE
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year> XXXX