23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that   XXXX   has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ;   XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  -  XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  XXXX
Product: Debt collection

This company calls me at least 4 times per day. They call me when I 'm working. They never leave a voicemail advising me who they are. They often call me from different phone numbers each day. They have called me from XXXX, XXXX, ect. They are calling my cell phone.
Product: Debt collection

I went to an XXXX facility for a pre authorized procedure. Once the facility obtained the pre authorization, I was told that my bill would be a stated amount, which I paid. I received a bill for {$1000.00} from revmd stating that I owe them {$1000.00} because the procedure was not covered by my insurance. I tried to call them several times and XXXX, their collection company. They arent answering their phones within business hours. I have been unable to get this resolved
Product: Credit reporting or other personal consumer reports

These inquiries are not related to me, and I have no connection with the creditors mentioned.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX - XX/XX/XXXX
Product: Mortgage

On XX/XX/2021 I received a letter from Mortgage provider, LoanCare a XXXX XXXX ( " Lender '' ), stating they have not received my XXXX Mortgage Payment of {$2100.00}. Upon receipt of this letter I contacted the Lender by telephone XX/XX/2021 I spoke with a Representative advised her I checked my online bill pay site with XXXX XXXX XXXX XXXX " XXXX '' ) which showed the money was electronically transferred to LoanCare on XX/XX/2021. The LoanCare XXXX provided me with an address for the XXXX XXXX team and provide to them a copy of the letter I received, confirmation the payment was paid, copy of my XXXX Bank Statement reflecting the {$2100.00} money debiting my account. I email all these documents to XXXX. On XX/XX/2021 I received an email from the Payment Research Team requesting a copy of the check ( front & back ) as proof of payment, I don't have this was an electronic transfer. I then contacted XXXX XXXX XXXX directly informed them of the situation and the XXXX XXXX XXXX Representative sent a direct response to LoanCare with additional information label " proof of payment ''. On XX/XX/2021 the XXXX XXXX sent me by email the Proof of Payment therefore I forwarded this " proof of payment '' along with my XXXX Bank Statement and electronic bill pay confirmation from XXXX bill paysite. On XX/XX/2021 I received a letter from LoanCare - titled NOTICE OF MEDIATION CONFERENCE PURSUANT TO R.I.GEN LAWS 34-27-3.2 to contact their Loss Mitigation regarding my missed loan payment. On XX/XX/2021 I sent an email to XXXX and cc 'd the Payment Research Team. In the email I provided again the " Proof of Payment '' from XXXX, copy of my XXXX Bank Statement, the first letter I received from LoanCare, the electronic transferred from the XXXX XXXX XXXX and a copy of the email I sent to XXXX dated XX/XX/2021. I received an email dated XX/XX/2021 @ XXXX from a representative at the payment research team, XXXX XXXX XXXX XXXX Customer Support Research XXXX, stating the case has been reopened and will provide an update. On XX/XX/2021 @ XXXX from the Payment XXXX XXXX XXXX they received my inquiry regarding my mortgage account and issue has already been address. On XX/XX/2021 @ XXXX I responded to Payment Research Team and put in the body of the email XXXX XXXX XXXX XXXX, copied the response and asked if someone could provide a status on my account, what has been done and if they found the {$2100.00} XXXX Payment and applied it to my account ( no response ). XX/XX/2021 I received a Letter from Rhode Island XXXX - Request to Appear at Mediation Conference. I sent an email on XX/XX/2021 to the Rhode Island XXXX - XXXX ; XXXX XXXX XXXX XXXX XXXX, in that email I attached in that email my email to the XXXX and the proof of payment from PCU. In the contents of the email I again explain how the money was deducted ( {$2100.00} XXXX from account on XX/XX/2021 and I can't seem to get anyone from LoanCare to locate the missing payment and apply this money to my mortgage account. Can someone please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

1
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XX/XX/XXXX {$0.00} inquiries XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXX XXXX Name : XXXX XXXX XXXX
Product: Checking or savings account

I wired money from XXXX XXXX into my Chase checking account before noon on XX/XX/2023. I planned to buy a car. At XXXX XXXX. that same day ( XX/XX/2023 ) I arrived at the branch, requesting a cashier 's check in the amount of the cash transfer. The wired money showed as available in both my online account summary and on the computer accessed by the teller. When I requested a cashier 's check I was told I could not access money from a wire transfer until the following day. Interesting, given that my spouse completes billion dollar securities deals using the same wire technology to transfer funds. 

Chase 's position is that they needed to hold the money for 24 hours to protect against fraud, clearly not a practice they follow with corporate clients. It looks like Chase holds personal funds while releasing corporate funds. They can " play the float '' with my money in a way they won't with corporations. How much money from personal accounts does Chase use while telling customers they are protecting against fraud? The purpose of a wire is immediate access. The funds came from a reputable source ( XXXX XXXX ). We regularly wire funds from XXXX into our Chase account. We have been Chase customers for more than a decade with significant sums of money regularly moving through the account. In short, there was a history of these types of transactions from this specific entity. 

I waited at the branch for an hour while the management team tried to address my issue. They called the wire offices in New York, speaking with XXXX XXXX in Retail Customer Service. They said the money would be available at the close of business ( XXXX XXXX EST ). However, as it was XXXX CST we were already beyond that deadline and the money still was not available. At this point, the money from the wire had been in the account over 5 hours. 

Chase caused me significant issues as I tried to complete the purchase of the car. I waited for an hour at the branch. XXXX XXXX was attentive and quite helpful while another manager, XXXX XXXX was impatient and rude, acting as if he was doing me a favor trying to help me access my own money. Overall, Chase made me suspicious. I am having a hard time trusting them with my money when they will not allow me to access it. How much money is Chase barring customers from accessing while they use the money for their own purposes.
Product: Debt collection

Complaint Against Unauthorized Debt Collection Activities by XXXX XXXX XXXX and XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding unauthorized debt collection activities conducted by XXXX XXXX XXXX and XXXX XXXX XXXX . Both entities have been attempting to collect a debt from me, despite not being licensed to collect debts in my current state or in the state where the debt originated with the previous creditor.

The account number in question is XXXX, and the amount being pursued is {$740.00}. 

The collection attempts by XXXX XXXX XXXX and XXXX XXXX XXXX have been persistent and harassing, causing undue stress and inconvenience. Moreover, their lack of proper authorization to collect debts in the relevant jurisdictions raises serious concerns about their compliance with consumer protection laws.

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate the actions of XXXX XXXX XXXX and XXXX XXXX XXXX and take appropriate measures to ensure they cease all unauthorized debt collection activities immediately. Additionally, I urge the CFPB to take necessary enforcement actions against these companies to prevent further harm to consumers.

Enclosed with this letter are copies of all relevant documentation, including correspondence from XXXX XXXX XXXX and XXXX XXXX XXXX, as well as proof of their unauthorized status in my state and the state where the debt originated.

Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to address this issue and protect consumers from predatory debt collection practices.

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

I have contacted TransUnion multiple times and even contacted the creditor of the multiple inquiries showing on my credit file. I have not gotten a response from the creditors and it has been over 30 days. I contacted TransUnion at the beginning of this month regarding the inquiries and the representative I spoke with told me they CAN NOT dispute inquiries which is untrue as I have disputed inquiries before. He stated I needed to contact the creditor and I let him know I did that and they have not responded back to me. He stated that inquiries are factual records & will remain and I explained to him they are not factual and how can you tell me that if you havent even started a Investigation to look into my situation. TransUnion customer Service has went down hill and they DO NOT help their consumers in any way. They in no way have validated the inquiries as factual and I deman they be removed!
Product: Debt collection

When Sallie Mae broke off from Navient, I did not receive a notification that I was needed to renew my income-based payment plan. That notification is required by law. The company then capitalized the interest on my loans, costing me thousands of dollars.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being hit with late payments every month from XXXX and I am not and never been notified or giving any type of grace period for a car that was totaled out and when I pulled my contract theres extra products and services that I never agreed to have and was not aware that I was paying for this including Gap and a extended warranty which one of the two should have covered my remaining balance for this vehicle and the company Is refusing to come to terms with me and it is hurt my credit report profile tremendously I am not being accredited for none of the payments I previously made on this vehicle prior to my accident it is still stating the original balance from when I purchased and I also made a big down payment which was half the original price and made several payments on this account I am no longer on possession of the vehicle as of XX/XX/2021 because it was totaled out on a bad car accident and I made them aware of this as well
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my Verisk Insurance Solutions report, under the Fair Credit Reporting Act. I am requesting a copy of my Verisk Insurance Solutions report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will file a complaint to you today to inform you I am a victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to complain to the 3 bureaus directly through this website. Here are the accounts that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My debit card was lost and money was stolen from my account! I called on a Monday and reported the situation and was told to call back the next day to Escalate it. I called and escalated the situation and was told on Tues that i should receive my credits within 24/48 hours. I called weds and was told that i should check back again the next day ( thurs ). I called on thurs and was told that the 1st person i spoke with on tues Never put in my escalation so the supervisor told me that she was going to escalate it and push my credits through and i should see my credits the next day ( Friday ). I called on Friday and was told i had to submit and written letter and provide proof in order for it to be escalated! I wasted a whole week ( my birthday week ) dealing with this misinformation and still havent received my money back!
Product: Credit reporting or other personal consumer reports

Under my rights as a federally protected consumer under 15 U.S.C. XXXX  XXXX, I formally request the immediate removal of the following accounts from my credit report, and that they no longer be reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entities, in violation of 15 U.S.C. 1681b ( c ), have continued to share my personal information without my explicit consent, infringing upon multiple federal and state laws, including : XXXX XXXX ( XXXX ), 15 U.S.C. 6802 ( b ) & ( e ) : for unlawfully sharing my financial information with third parties without my permission. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. : for failing to ensure the accuracy of information on my consumer report and not removing the disputed unauthorized accounts. New Jersey XXXX XXXX XXXX ( XXXX ), XXXX. XXXX et seq. : for deceptive practices in reporting inaccurate information and sharing my financial data unlawfully. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : for engaging in unfair and abusive practices by maintaining these unauthorized accounts on my report. I hereby opt out of the reporting of these accounts. Pursuant to 15 U.S.C. 1681i ( a ), you are required to remove any inaccurate or unverifiable information from my file. Please provide written confirmation of this removal. Failure to comply may result in legal action under 15 U.S.C. 1681n and 1681o.
Product: Debt collection

Theyve not provided with information showing that this is my debt. I have no knowledge of this debt.
Product: Student loan

I have been in the public service loan forgiveness program since graduating from graduate school in XXXX. I've qualified 120 payments under the conditions of the program and sent in an application for forgiveness in dated XX/XX/XXXX. I contacted the federal student loan ombundsman in XX/XX/XXXX and was again told that I had 120 payments that were qualifying but that the application was " still in process '' with no clear idea of how long to expect that process to take. As of today the application has been in process for more than 4 months and would appreciate a timeline as to when this might be under review or at least clearer information regarding this.
Product: Checking or savings account

I got a promotional offer from Wells Fargo to open checking account. Once checking account has more than {$1000.00} direct deposit within first 60 or 90 days - I will be provided {$200.00} cash back bonus. I opened this account on XXXX XXXX XXXX. On XXXX XX/XX/2022, when i checked for this {$200.00} bonus, Customer service was unaware of it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours starting the account is accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX (XX/XX/XXXX
Product: Debt collection

Summit Finiancial is a NONE DEBT REPORTING AGENCY, as listed with the government. They are NOT suppose to be reporting on my credit report. Two of the credit bureau have removed them from my report for that reason. XXXX has refused to do so which is causing my score to be lowered. I HAVE SINCE PAID THIS DEBT OFF WITH THE XXXX XXXX COMPANY, XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, ( XXXX ) XXXX, and Summit STILL will not remove the debt from XXXX. This Attorney even said Summit isn't suppose to report debt, and he can't remove it for me.
Product: Mortgage

Date : XXXXXXXXTo : SPECLOANSVXXXX XXXX XXXX XXXX XXXX XXXX CO XXXXFrom : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXRe : QWR Error Resolution Notice under 12 C.F.R. 1024.35Mortgage Loan Number : XXXXI am writing to request correction of the error 's described below in regard to the mortgage on my property at XXXX , VA XXXX. 

1. Failure to provide accurate information about loss mitigation options. I was advised that I qualified for a loan modification under the XXXX affordable or hamp program and that I needed to fall delinquent on my payments. I made payments and those payments were not applied to my account which caused further delinquency and fees. 

2. Failure to Credit multiple payments correctly to my mortgage loan account on the date that it was received by Special Loan Servicing and incorrect reporting of XXXX day late. The below dates being reported incorrectlyPayment Errors : Incorrect Reporting of Delinquency. Loan was never XXXX days delinquent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Identity : Please provide to Identity and or contact information for the owner or assignee of the mortgage within XXXX business days. 

Desired Resolution of Error : Please update credit report to reflect the actual account status of current XXXX - XXXX. I was never past due as I was on a Interest Only ARM. Please remove all delinquent history and update my mortgage history as current for the above mentioned dates. 


If you need to contact me, I can be reached on my Cell at XXXX and my mailing address is XXXX VA XXXXSincerely, XXXX XXXX
Product: Mortgage

XX/XX/year> thru XXXX XXXX. Total amount to be reimbursed XXXX. The cost for delaying original moved date of XXXX XXXX XXXX XXXX days {$880.00} gas about {$200.00}. On call legal fee {$190.00}. UPS fee {$10.00} to fax document Quit Deed. County Recorder fee {$110.00}. Wire Transfers ( 2 ) for {$50.00}. The letter that I have attached was typed before other expenses were added. Daily process with dates, names of Lenders, Underwriters are annotated in this letter. Only 2 people responded to this email the rest of the people went silent. XXXX XXXX XXXX person who has very informational who was abandoned by the XXXX XXXX XXXX XXXX who started this horrible purchase of our home.
Product: Debt collection

Sent Debt Validation letter plus with Cease and Desist stating not to call me but Trident Management did so. I have a call log with them calling afterwards and hanging up.
Product: Debt collection

send letters and text messages to phone XXXX. 
I have called and requested orginal contract or contract if any with wet signature.