23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

15 Days are up- please my check made to cash for XXXX for XXXX usd as per my rights protected owner of my home ordered XXXX agreement signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB Settlement Recovery Money 1700 G Street North West Washington , DC 20552 Re : Federal Trade Commission and Consumer Financial Protection Bureau v. 
Green Tree Servicing LLC, a Delaware Limited Liability Company, United States District Court of Minnesota, Case No. XXXX ( SRN-JSM ) To Whom it May Concern : I am a party in the above-referenced action. I did not receive a phone call from Green Tree Servicing after the Court Order was entered against them. 
I owned a home located at XXXX XXXX XXXX, XXXX, California. My loan was egregiously affected by the negligence of Green Tree Servicing per the Order entered on XX/XX/XXXX where Green Tree Servicing was ordered to pay {$48.00} million in borrow restitution to be deposited in the Civil Penalty Fund of the Bureau in accordance with Section 1017 ( d ) of the CFPA 12, U.S.C. 5497 ( d ). 
This letter constitutes a demand for settlement in the amount of {$350000.00} as a full release of all claims against Green Tree Servicing LLC. Alternative Dispute Resolution is appreciated in this case due to the time line. This offer expires fifteen days ( 15 ) days from the date of this letter. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Product: Checking or savings account

I have a Chase saving account ( account number : XXXX ). A fraudulent transaction was posted on XX/XX/30. I filed a claim against it and it was recovered. However, due to the fraudulent transaction, the balance temporarily fell below the minimal balance requirement and two fees were charged. I have been trying to contact via online message, phone call and banker at branches to resolve the fees but none of them worked.
Product: Debt collection

I have a very old debt from the law office of Charles G McCarthy Jr and Associates Collections. There is a line on my credit report / collection for {$600.00}. I believe this was for XXXX XXXX for a lease. Just in XX/XX/XXXX XXXX XXXX granted me a new lease for over {$2000.00} line of credit. I believe if they were worried about it or I owed a debt to them, the original creditor would not have allowed me to open another line of credit if I owed the in the past. 

Get this XXXX off my credit report as a collection and completely remove the line off of here. I'm going to start suing these individuals for very old debt on my credit report and still trying to collect on it. 

I believe this was included in bankruptcy originally as I filed in XXXX of XXXX and should have been included. when it was discharged last year, this law firm put this line of collection back on my credit report AFTER the discharge. 

This debt is no longer valid. Get this XXXX off here NOW.
Product: Checking or savings account

On XX/XX/2023 I attempted to transfer {$2000.00} between my two accounts at Bsnk of America. I inadvertently transferred the funds to an old closed Balance Assist account that still appears as a " Transfer To Accont '' on my transfer options. I have call Bank of America repeatedly and can get no definitive answer as to where the funds are within the bank.
Product: Money transfer, virtual currency, or money service

I had lined up a purchase through XXXX to purchase concert tickets. The individual wanted me to send money through XXXX, which I did through my Wells Fargo app. Upon completion of transferring the {$250.00} for the tickets, the individual stopped answering my texts. I called XXXX and spoke to them about my situation. They were not helpful and seemed to not be willing to help me since I went through XXXX.
Product: Credit reporting or other personal consumer reports

I AM A PART OF A DATA BREACH TO WHERE MY INFORMATION WAS LEAK AND MISUSED AND NOW I HAVE UNAUTHORIZED ACCOUNTS AND INQUIRIES. 
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 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 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 credit report and noticed that I had unauthorized inquiries on my report.
Product: Credit card or prepaid card

My bank ( XXXX ) offered a balance transfer option which I took advantage of in the amount of {$11000.00}. I asked that the money be sent to my Citibank MC to partially pay my balance of {$12000.00}. XXXX sent the first check to the incorrect Citibank address. They reissued the check and Citibank received it on XX/XX/XXXX. Since it was past the monthly due date and to avoid interest charges on my balance, I paid the {$12000.00} in full. Therefore the {$11000.00} XXXX check now created a CREDIT balance of {$7800.00}. ( I use the card constantly hence the credit balance of less than {$11000.00}. ) On XX/XX/XXXX I called CitiBank and asked for a refund of the credit balance which I was told would be deposited in my checking account in 4-5 days. On XX/XX/XXXX I called again, spoke to a supervisor who contacted XXXX to verify the validity of the XXXX check. I was then promised again that the credit check would be in my account by today XX/XX/XXXX. It still has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm in the process on getting a home, the person that 's running the credit and so I can be approved is saying every time she tries to run it 's telling her " inquiry information identified as fraudulent by consumer error ''. I 've been calling for the past two weeks, I started calling to be exact XXXX XXXX. They started asking me questions, the representative told me I had to fax paper work ( id and social security card ). That it will take 48 hours for it to get there. So the XXXX I sent my documents, waited and I called Monday. They said they did n't recieve anything yet, I asked to talk to a supervisor, name was XXXX. She said they got the documents but that the documents I 've sent the numbers were dark and they could n't read them. She asked to fax them again, so I did. I called again the XXXX, again They were having trouble finding my documents, got transferred to 4 different. One said they had em another said they did n't. I sent my documents again and the same issue. They were giving me the run around. They transferred me to a supervisor in XXXX, remind you I was on the phone for 1 hour 20 min, she told me that I had to wait 2 months, I had to create a profile, that they were was n't anything they can do. I have my receipts from what I sent. Even XXXX XXXX sent them a credit history and she still said I needed to send again, I had to create a profile etc etc. it 's very aggravating because again, I 'm in the process of purchasing a home and I wo n't be able to until this issue is fixed. I have names of the ones I spoke to and times. I explain to them my ssc was stolen but that 's why I was sending documents to confirm I 'm the same person in the social security.
Product: Debt collection

I have sent multiple letters/request to collection agency and the 3 credit bureau 's for validation of amount owed. ( {$500.00} ) First one to collection agency was delivered XX/XX/XXXX, waited 30 days, did not get a reply. Sent follow-up letter on XX/XX/XXXX, delivered XX/XX/XXXX as to why I did not get a reply to my validation request and that they are violating FDCPA.. then all of a sudden I received a response letter on XX/XX/XXXX ( dated XX/XX/XXXX?! ) with a photo copy of a itemized bill from creditor dated XX/XX/XXXX. ( I guess this is the no response/delayed response sent for first letter. Still was outside of the 30 days allowed.. ) I replied the next day and had to send 2 of the same letters, ( 1 was never delivered, lost in USPS system in collections agency zip code since XX/XX/XXXX, the replacement second letter was mailed weeks later, XX/XX/XXXX and delivered on XX/XX/XXXX informing them that a bill does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation and cited case law as fact and proof. As of this writing I just received the exact same itemized bill dated XX/XX/XXXX as well as a second itemized bill dated XX/XX/XXXX. That letter sent by the collection agency for some reason is dated XX/XX/XXXX, the same day my last letter to them was delivered! Strange! Don't know if that was a response to my letter that was delivered on XXXX XXXX.But because of this non-compliance from collection agency and the 3 credit bureau 's , this negative acct is being reported continuously by all 3 bureau 's as updated & verified. I am currently in dispute with them for this acct. I also informed all 3 bureau 's that I have contacted the collection agency multiple times to validate debt, which they have not. Letters that were sent to collection agency were also sent to the 3 bureau 's with tracking info as proof of me asking collection agency to validate. I now have to ask the CFPB to investigate & help me with this.
Product: Student loan

My school was closed down in XXXX for not being in compliance with the Department of Education. They received this loan and I never seen anything from it. I ca n't afford to pay back this loan and I want to know I should have to repay all of the money when I never received any of the money. They took out more money than was needed at the time and I have n't completed school with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband totaled the vehicle from this lender in XX/XX/XXXX, no one explained gap coverage when I purchased the vehicle. The account was closed and charged off, it's been in that status ever since. Last week or so, I asked for it to be removed from credit report a little early instead of waiting for XX/XX/XXXX due to having a terminal illness, it's been in charge off status for 6 yrs and they ignored the request and made the account status " open '' again. That isn't right. If they don't want to help me with account by removing the negative even though it's been so long and i'm XXXX awaiting a XXXX XXXX and will not be able to repay then just leave the account in CLOSED status. Don't reopen.
Product: Checking or savings account

In XXXX of this year I instructed PNC Bnk to change my savings account to a money market account which had and interest rate of 3.49 % for balances above {$10000.00}. My balance was around {$17000.00}. After several calls and two months time they never changed my account and never paid me the interest promised. Finally almost two months later they fixed their error. PNC will not back date the interest. Ive contacted corporate and they will not rectify their error
Product: Vehicle loan or lease

My account with CHRYSLERCAP, account number is XXXX, should have no 30 days late on the month of XX/XX/2019 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to XXXX and XXXX Credit Bureau and Creditor were neglected. This should be corrected immediately.
Product: Credit reporting or other personal consumer reports

I would like to express my concern regarding Chime, which has been running my credit XXXX times a month for the entire year of XXXX  without my permission. I want these inquiries removed from my credit report. Additionally, I would like to know why this occurred, and I believe I should be compensated for the negative impact this has had, including my recent loan denials. start XX/XX/year> each month XXXX times a month
Product: Credit reporting

There is a tax lien and a release of tax lien on my credit report. I informed TransUnion that was an error. I have never had a tax lien. They investigated and reported nothing different. The public record they showed had no name on it.
Product: Student loan

I called MOHELA several times to figure out why there was such a discrepancy between what I borrowed and what I have listed as needing to pay- there is a XXXX difference. I have gotten no response. The calls take over XXXX hours at a time, meaning I have to take time off each time. Im losing time and money. Add to it that they can't tell me if any payments came through the public service loan forgiveness program and I'm at a loss. They also did not tell me that Everytime I consolidated that I reset the clock on my payments.
Product: Credit reporting or other personal consumer reports

UNATHORIZED INQUIRY XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries reflecting on my credit report that should not be there. This issue has not been resolved even after complaining to through the Equifax portal, certified letters sent to Equifax, CFPB and BBB. I was told to submit copies of my complaints along with the inquiries that I was disputing to Equifax. Even after doing so, I was told that Equifax does n't dispute inquiries and that I needed to contact the creditors individually to ask them to remove the unauthorized inquiries. I spoke with each of the creditors and was told that because I do n't have an open account with them they are unable to provide me any documentation to have the inquiries removed because they have no record of me in their system. I am always given the run around and Equifax has been unwilling to help me get this matter resolved. They even put a fraud alert on my credit report ( which I recently requested to be removed ), but did n't resolve me issue at all from previous inquiries.
Product: Credit reporting or other personal consumer reports

I called the XXXX to remove an address that was being incorrectly reported. I informed them that I have never lived there, it is a non mailable address and that they were violating my right to privacy pursuant to 15 USC 1681b. They informed me that they would not be removing the address at all. I informed them again that they were violating my consumer rights in totality by reporting my information without my consent. They basically assured me that they did not care and will keep reporting the inaccurate information.
Product: Credit reporting or other personal consumer reports

There Are some unauthorized Inquiries on my credit profile that needs to be removed For Starters : 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
Product: Debt collection

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I am writing to complaint to XXXX XXXX XXXX  about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. XXXX that unambiguously obliges a described of the modus.
Product: Checking or savings account

Chase has flagged, froze, and closed my accounts for " fraud '' two times in a row. The first time I tried to verify my identity in person at a branch like they told me and the teller sent my information to the wrong person and my account got closed. Now they flagged my new account again after I tried to up the tip on a doordash order. They're to go up to a branch again but im really considering not bothering with Chase if they're going to keep screwing me over like this. I dont make a lot of money as is and i cant afford to have my bank account frozen all the time.
Product: Mortgage

Complaint and demand for disclosures under TILA and RESPA related to payment of my money received by JP Morgan Chase for property located at XXXX XXXX XXXX XXXX MI XXXX. 

On XX/XX/XXXX I received an unsigned letter from JP Morgan Chase Home Lending Executive Office ( at large ) where someone told me to send a release Form to the property Sellers, XXXX and XXXX XXXX, to provide me information about their account with Chase. 

My demand for disclosures was not about prior owners account with Chase. 

This demand was about my money wired to Chase as a lender for XXXX ; and this is Chase who must acknowledge receipt of my payment and provide me copy of receipt of wire transfer received by Chase on my behalf ; and who sent this wire transfer to Chase. 

I demand following disclosures : 1. Please confirm that this letter to CFPB on XX/XX/XXXX was actually sent by JP Morgan Chase. 

2. Please state the name, job title, phone number, email and business address of Chase employee who prepared this letter and filed with CFPB ; 3. Please state who authorized this employee to prepare and file this letter with CFPB 4. Please state in writing if JP Morgan Chase maintain its the business 's books and records in accordance with generally accepted accounting principles, or GAAP. 

5. Please provide me a written acknowledgement from JP Mortgage Chase that Chase received a wire transfer as my payment [ or payment made on my behalf ] for property located at XXXX XXXX XXXX, XXXX, MI XXXX with closing on XX/XX/XXXX. 

6. Specify the Date and time the wire was received. Specify who the wire was Received From. Specify who was the payor for this wire transfer ( if other party than who sent it to Chase ) 7. Please state the name of Chase employee who received this wire transfer as my payment. 

8. Please provide me a copy of wire transfer receipt which can show me that the payment on my behalf was made and received by Chase. Specify the received amount. If it was not received by Chase, please disclose who was the recipient of my payment. 

9. Please state if my payment was deposited on Chase Account Receivable related to my purchase. 

10. Please provide me book number and entry number when my payment was recorded on Chase account receivable. 

11. Please send me a copy of Release of this Lien and state the full amount of consideration, in $ dollars, received from ME or on MY behalf by JP Morgan. 

Once again, I am not asking about Sellers account information with Chase. I am asking about my money wired to Chase and a copy of wire transfer receipt after this wire was received by Chase.
Product: Payday loan

I received a phone call from an unknown number. The caller stated that I need to call back to the Florida Attorney Gereral office at XXXX XXXX XXXX - attorney general state of florida. They threatened me stating that if I do n't call back within XXXX minutes, I will be arrested and thrown in jail for 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this single account ( A ). I hope this the disputed account is updated. XXXX XXXX XXXX BALANCE : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX, XXXX and Equifax. 

15 USC 1681a ( 4 ) says, 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 so XXXX XXXX  has violated this law because this late payment reporting on XXXX, XXXX and Equifax is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, XXXX and Equifax and I didnt give them permission to do so.
Product: Debt collection

On XXXX I was contacted by Key 2 Recovery about owing money to XXXX University student accounts. I told XXXX XXXX that I did n't owe anything to this school because the money was from my student loans and grants. I sent her the paperwork where I withdrew from XXXX and enrolled into a different school. XXXX had signed all my paperwork stating I did not owe any money. Months after this I found out that XXXX had fraudulently took my grant money and student loans. I provided her with all my evidence of this. The account number for this account was XXXX. This account was closed. On XXXX 2016 I was contacted on my cell phone again by XXXX with account number XXXX about owing XXXX University money, this time the amount was extremly more than previously. This time I told them that I have already been through this before with this company. I was then told that they just got this account and have never had it before. I again told them that we have gone through this before and I have proven that this money was not owed. I told them to validate the information because I am tired of being harassed. I then found my original paperwork for the previous account and called them about that account number and was told again that it was closed. I am tired of being called on my cell phone. I am tired of proving over and over that I do not owe this and them then closing the account until they feel like opening another XXXX with a different amount.