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

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 U.S.C. 1666, 15 U.S.C. 1601, 15 U.S.C. 1692 ( C ) ( C ) and 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 


In accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. 

I sent CHEXSYSTEMS multiple letters requesting and demanding that they remove this inaccurate information from my file within 30 days in accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i, or send me copies of the documents that they have in their files as of this date that what they rely upon for verification of these accounts. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

On XX/XX/XXXX, ,This notice was sent by Certified Mail # XXXX. Per U.S.P.S. XXXX Return Receipt in the possession of the Libellant, refused to provide said proof of claim ( s ). 

XXXX XX/XX/XXXX, a NOTICE OF FAULT OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE was sent to LIBELLEE by a Notary Public, the third-party witness and Justice of Peace . This notice was sent by Certified Mail Receipt # XXXX and per records on file with the USPS . You refused to provide said proof of claim ( s ). 

Chexsystems had ten ( 10 ) days to respond with proof of claim, point for point ; however, Respondent chose to remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted and has agreed and stipulated to the facts. 

Please see return receipt and response from Chex systems without providing proof.
Product: Checking or savings account

Social security administration sent my money to chime and they said that my ssi benefits were not proses in my account but then I called social security and they told me that the bank proses my ssi benefits I would really appreciate someone to look into this matter thanks much appreciate
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with bright lending in XXXX. I was able to make a payment but unfortunately I had fallen through hard times. On XX/XX/XXXX I entered a payment plan. I was able to make XXXX payments. The last payment I made was Thursday XXXX. I reached out via XXXX and CFPB on XX/XX/year> to file a complaint. I received a response on XX/XX/year> to settle for the principle balance of {$600.00}. I agreed to the resolution but I have been struggling to get back on track since XXXX and I would like to know how much I have paid during XXXX and I would like to settle for what has been paid. I am on a fixed income and Im barely getting by and my expenses keep increasing I look forward to a resolution to resolve this matter.
Product: Debt collection

The account was with XXXX XXXX and it was originally opened up under my name.XXXX my son opened his own residential account and at that time he sign over financial responsibility for the phones to the account. After that I never received another bill for this account and under my son 's social security number..but when he defaulted years later XXXX XXXX sent the account to collections and it appeared on my credit report without any notification even though we transferred responsibility.
Product: Mortgage

Ditech Financial did not pay my county taxes with my escrow funds they collect, this resulted in delinquent taxes with late fee 's, penalties and interest being added to my tax account. I contacted Ditech ( XXXX XXXX ) via email & Customer Service via fax on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 each time they said they would take care of the taxes. I spoke with XXXX at DiTech XXXX/XXXX/2015 he said they would pay the property taxes. XXXX/XXXX/2015 I paid the taxes myself including the late fees, interest and penalties ( receipt attached ). XXXX/XXXX/2015 Ditech ( XXXX XXXX ) was contacted and sent my receipt ( via email ) showing I paid the the taxes & penalties, he said they would reimburse me for the interest and penalties. I have submitted written requests to DiTech ( XXXX XXXX & Customer Service ) on XXXX/XXXX/2015, XXXX/XXXX/2015 & XXXX/XXXX/2015 to reimburse me for the penalties and interest I paid as a direct result of Ditech inefficient servicing practices. This is fraudulent servicing practices and Ditech is in default of the service contract.
Product: Credit reporting or other personal consumer reports

THESE items are not mine. 

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 XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/XXXX I paid my balance off in full in the amount of {$5000.00} which was XXXX days before the due date. The following month on XX/XX/XXXX they charged me {$93.00} in interest on a balance that was just paid off. I called customer support on Saturday XX/XX/XXXX once in notice it to tell them that I already paid the balance in full and the customer support rep in XXXX was rude and adamant that the charge must be paid. I hung up and the called the local branch in XXXX NY XXXX minutes before closing but no one answered and I was switched to the XXXX customer service number where I would be put back on with the same reps from XXXX. I am Disputing the interest charge since the balance was paid in full. This is not fair to do to clients.
Product: Mortgage

On or around the XXXX 2015 my mortgage company Seterus advised me that my payment for XXXX had been returned for insufficient funds. I contacted my credit union and they confirmed the payment was paid and not returned. Seterus advised me to fax a copy of my bank statement to show this, which I did. They then advised it would take 30 days for them to do research. I called each week to check the status and continued to make my monthly payment. Each time I called they also advised me that they were reporting negatively to the credit agencies and would reverse it pending research results. I continued to wait and called them back on/around XX/XX/2015. They then advised they made a mistake and it was n't the XXXX payment that was missing, but was the payment from XXXX. This would be six months later. I shared my disappointment with them. How could a company wait six months to say they are missing a payment? I was then advised I needed to send my XXXX statement, which I did and I still have no resolution to the issue. They now tell me it will be another 30 days which would be 7 months since they claim I missed a payment. Some reps at Seterus say they are reporting negatively to the credit agencies and others have said they are not. The rep I spoke to last advised she could n't even confirm if the XXXX bank statement I faxed had been received. So I guess I have to assume that it has. Each time I call I get different information. The handling of this situation seems too unethical and unfair to me as their customer. I 've made my payment each month. I 've given them the proof they need to show that and they still have not resolved the issue. It is also ridiculous to me that a regulated financial company would not realize they were missing a payment until 5 months later-which in reality I paid. The service I 've received has been horrible and the different information on every call does not lead me to believe they will ever solve this issue and I will have no other recourse, but to hire an attorney and spend money to show I 've already paid them. I do n't feel like I should have to make my payment twice because they have poor book keeping. I need help please.
Product: Debt collection

Was contacted twice over 2 consecutive days. I was told I owed the debt after I received email from company stating debt was paid,
Product: Credit reporting or other personal consumer reports

I recently tried to dispute some inquiries on my credit report with Equifax. I recieved a response stating the information on my report is accurate. I would like to request that this be investigated and provided documentation is provided to insure they have the up to date information per my rights under the Fair Credit Reporting FCRA. I didnt authorize these inquiries Under the FCRA , credit inquiries from companies that I did not grant permission to access my information that must be removed from my credit report. These unauthorized hard inquiries are a violation of the Fair Deby Collection Practices Act FDCPA as well.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX account reporting to the bureaus is a result of identity theft and should be blocked from my credit report. I asked for the bureaus to send documentation of how they verified the account and information with the creditor but I have not received a document
Product: Credit card or prepaid card

I have a secured credit card with Elan Financial Services. It is a XXXX card set up through my bank, BancFirst of XXXX Oklahoma. The prepaid amount is {$5000.00}. Every time I would make a payment they would draft it directly from my bank account, so they had the money instantly but they would hold it for 8 days and not apply it and charge me interest those 8 days for a balance I really no longer had. I would try to call customer service and they would bounce me around, put me on hold 10-12 times and then eventually hang up on me, so I cancelled the card and paid off my balance on XXXX/XXXX/2022. They are refusing to give my {$5000.00} dollars back. They say it is under review and they wont be done even reviewing it until mid May but yet the card is already cancelled. They are simply holding my money for no reason, the same way they did when I would make payments.
Product: Debt collection

Hi back in XX/XX/XXXX went to the Mall shopping preparing for a trip overseas and that day was the last time seen my wallet it was overwhelming couple weeks with the coronavirus and my trip to XXXX by the time I got there on the XXXX of XXXX I called my wife asking her if she had seen my wallet with all the credit cards and my driver license she told me no I told her to look again but no luck so I started calling my credit cards company to report my cards lost but who ever found them had already charged a lot of money on those cards in between those cards it was XXXX XXXX XXXX so they investigated the charge first time with no documents they denied it the second time I sent my passport and the ticket and my identity and police report they investigated for a little bit and denied it again I wasnt happy with the results And what the manager Told me first he said the police report was fake and than he said nothing is adding up to the claim And more the card was swiped at that merchant saying that so looked it up it saying the company went bankrupt I call today to see if there a way they can reopen the case again but XXXX said no I cant I mean I got them everything they asked for and still told me nothing is adding up so please help me with this case to get it resolve and it was a big amount they charged that card for XXXX Im on XXXX XXXX now and I cant pay for something that I did not purchase thank you
Product: Money transfer, virtual currency, or money service

What is this complaint about? 

This is a complaint about my banks refusal to correct an error in a transaction sent via a Mobile Money Transfer. 

What type of problem are you having? 

My bank, JP Morgan Chase, has refused to reverse an erroneous mobile money transfer I initiated to another Chase account holder who is a stranger to me. Chase has full control over both accounts and the ability to reverse the transfer, but declined my request and in effect, is protecting the fraudulent party who they claim has refused to return the funds of {$1200.00}. 

What happened? 

I am a Chase account holder and user of the XXXX XXXX bank-to-bank transfer service. 

On XX/XX/XXXX, I initiated a XXXX payment from my cell phone to my wifes cell phone of {$1200.00}. However, I mis- entered the last digit of her number which resulted in sending the payment to a strangers cell number. I contacted Chase that same day once I realized the error and was provided a claim # XXXX and was told they would contact me soon. 

On XX/XX/XXXX, I call Chase Customer Service, but was told their systems were down and advised to call back within 24 hours. 

By XX/XX/XXXX, I had not been contacted, so called Customer Service again and was told my claim was in process and that Id be contacted within 5 business days. 

As of XX/XX/XXXX, I had not received any call backs or paper confirmation from Chase and I normally do whenever I have issues with my account such as disputes. 

On XX/XX/XXXX, I called Customer Service and asked to speak to the Escalation Dept. and spoke with Sr. Specialist, XXXX XXXX who informed me that another Chase agent attempted to contact the erroneous recipient of my transfer but that the effort to recoup was unsuccessful. He added that the recipient was also a Chase account holder. 

I asked that he initiate a reversal, but he refused. I asked for the recipients name, but he said he could not reveal that to me. I asked to escalate to a Director or VP, but he said he was the final stop for escalation. I asked what other options I have to recoup my money to which he only apologized. 

I requested a copy of my claim details and the notes reflecting Chase efforts to recoup my money, however XXXX XXXX, refused explaining that the claim information was wholly owned by Chase and that I would need to have them legally subpoenaed in order to obtain them. 

XXXX XXXX explained he could not provide any further identifying information about himself including last name, agent or other ID # nor a direct phone number for security purposes. 


Who are the people involved? 
Complaint Issued by : Myself, Chase account holder and transfer issuer Bank : JP Morgan Chase Bank Customer service/escalation : XXXX XXXX Fraudulent recipient : Owner of mobile # XXXX Identity unknown but confirmed to be a Chase bank account holder by JP Morgan Chase
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
they did not do this Also, they have violated my rights even more In accordance with the Fair Credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. Payment history is also showing inaccurate reporting on all 3 credit Bureaus. This grounds for Removal They Also Violated the law because according to 15 U.S.C 1681 Section 602 A. States I Have the Right To privacy! 5 U.S.C 1681 Section 604 A Section : States a Consumer reporting Agency Can not a account without my written instructions I did not grant anybody written instructions
Product: Student loan

I received Fed Direct Loans when I was at XXXX XXXX University and at University of XXXX - XXXX XXXX. The Fed Direct Loans would be eligible for Public Service Loan Forgiveness Program, which I have been participating in for over 10 years, working for XXXX XXXX  and a XXXX XXXX. 
After graduation, Navient ( then Sallie Mae ) solicited me for loan consolidation. They actively solicited on campus, email, and direct mail marketing to me and other young recent graduates. They never advised, told, asked for permission, or gave me any information about re-categorizing my loan so as to make it in-eligible for Public Service Loan Forgiveness. I made over 10 years ' worth of on-time payments to my loans while working in public service. I submitted the annual check-in form to document my  employment status. Navient / Sallie Mae never advised, informed, asked for consent, or gave any other information that they were treating my loan consolidation as ineligible for the program. It was only after 10 years of payments that they tried to tell me that my loan is not an eligible type. I have my original loan document showing that all of my loans were Fed Direct Loans that should qualify. Navient / Sallie Mae changed the category of my loan without my knowledge, consent, or information, and therefore made my loans ineligible for the program. This is not right and an abuse of their position. Thank you. I am not the only borrower with this complaint. It appears to be a systematic practice of deception and misinformation by this company to abuse and take advantage of young college graduates.
Product: Credit reporting or other personal consumer reports

I hereby request a thorough investigation into this matter to verify the validity of the inquiry. Please provide me with detailed information regarding the source of the inquiry, including any documentation or verification you may have. Additionally, I request that the inquiry be removed from my credit report promptly while the investigation is underway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct the following accounts from my file. XXXX XXXX XXXX Balance : {$1900.00}XXXX XXXX XXXX XXXX Balance : {$3200.00}
Product: Debt collection

On XX/XX/XXXX a dept validation was sent out to XXXX XXXX. On XX/XX/XXXX I received mail from them explaining that they had validated my account and enclosed documents. The documents they enclosed did not validate the account. My signature was on no such document, I do not have a signed contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding : XXXX # XXXX discrepancies Each credit bureau is reporting different account information for the same exact account. The information in my credit file is erroneous and I want it removed immediately. I did dispute this information and I have not received any evidence of this alleged account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found a late payment. 

Creditor : XXXX XXXX Account # XXXX I was never 30 days late int he month of XX/XX/. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.
Product: Checking or savings account

My Wife and I have been People 's United customers for over 16 years and have had a very solid and friendly relationship with them throughout that time. We mortgaged our new home through them and have maintained both savings and checking accounts through them with very strong balances. We also, recently opened a business checking account with them after they continuously promised to provide excellent servicing of the new account. 
I then received a letter, in XXXX, from M & T bank stating that they were taking over and no longer wanted to service any of our accounts and that the accounts would be automatically closed by XX/XX/XXXX if we didn't come into the branch and close them ourselves. 
We therefore, visited the branch on 3 separate occasions to try to clear up this matter and obtain an explanation. We were told, all 3 times, that we would be contacted by XXXX XXXX, the bank manager, within 24 hours. We never heard from her or anyone else from People 's United again. 
We left for a XXXX vacation at the end of XXXX and arrived home on XX/XX/XXXX, only to find that all of our accounts had been closed with no explanation, still. I called the home office and they 'again ' stated that XXXX XXXX would contact us when she returned back in the office after XX/XX/XXXX. We again, never heard from People 's or M & T. 
In the meantime, we had direct deposits from my employer that had nowhere to go, as well as bills that were supposed to be automatically paid that fell delinquent.and damaged our exceptional credit rating. And we still have no explanation as to why this happened in the first place. 
My Wife and I have never felt so humiliated and have never witnessed such a cover-up of information as to why we were cancelled by the People 's family to begin with. If they had just been honest with us from the start, we could have made adjustments before our trip to avoid this fiasco.
Product: Debt collection

Continental is continuing to report information on my credit report that is not a valid debt. I have filed numerous complaints about this company but the only response I seem to get is they collect their own debt therefore they are not bound by the FDCPA. However they are bound by the FCRA and are required to provide me proof I owe this debt and this debt is mine. I STILL have not got the information I have requested. I want PROOF this is my debt. I want something with my signature showing where I signed for this debt. If this debt cant be verified and validated within 30 days then this is required to be removed from my credit report. I will file a civil lawsuit against this company if they can not comply.