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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX Inquiry dated XX/XX/XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX
Product: Mortgage

I have a mortgage whereas I and my ex-husband are on the mortgage and the note, however I received a Quit claim deed and am the only one on the title. My ex filed Bankruptcy in XX/XX/XXXX. I did not know until I contacted SLS to ask why I stopped getting statements. I have been paying the mortgage since then voluntarily even though they refused to send me any statements or notices. I recently found out that as of XX/XX/XXXX, I have rights as the Successor in Interest and have notified them of this. I have yet to receive anything. I mailed my mortgage payment to the addresses I have been sending it to for over a year on XX/XX/XXXX, and the payment was not cashed as of XX/XX/XXXX. I called SLS and asked if they received it and they said no, but provided no more information. I stop paid that check and mailed another on XX/XX/XXXX. I called today XX/XX/XXXX and asked why they had yet to cash this one, and after getting the run around was informed that the address in which I am to mail payments had changed 3 months prior and they were no longer forwarding any mail or payments! I had never been notified of this, which they could have told me on XX/XX/XXXX when I called the first time. Now I am late on my payment, of no fault of my own and have 2 checks floating out there. They also said the mailed me notification of next payment on XX/XX/XXXX and I have not received it either. I cost me {$60.00} to stop pay 2 checks and I do not feel like a business can stop forwarding their mail after only 2 months. What if I'd have been on vacation, or in the hospital. Is there not a law as to how long a financial institution must have their mail forwarded. And should they not have had to send me notification of the change since I am on the mortgage?
Product: Checking or savings account

XXXX issued a XXXX rollover check ( No. XXXX drawn from a XXXX XXXX account ) dated XX/XX/2024, payable to XXXX XXXX in the amount of {$320000.00}. XXXX XXXX ( me ) was listed as " XXXX '' ( for the benefit of ) on the face of the check. The check was subsequently intercepted in the mail, and the XXXX was altered on the check. 

On XX/XX/XXXX, the following details were made available from XXXX XXXX, who presented an image of the cleared check, to XXXX : On XX/XX/2024, the check was presented for deposit at a Chase Bank, and the individual who altered the XXXX then forged the check. XXXX accepted the check, and the check was subsequently cleared through XXXX XXXX. I filed a fraud claim with XXXX on XX/XX/2024. I further provided an Affidavit of XXXX to XXXX, who submitted it to Chase Bank on or around XX/XX/2024. 

Chase is only communicating with XXXX and will not speak to me. 

On or around XX/XX/2024, Chase stated to XXXX that they will take XXXX or more days to review the case and come to a conclusion. 

Under applicable XXXX, only the Payee listed on the check can deposit it. The XXXX has no rights to deposit it. That means that the altered/forged XXXXO should never have been permitted to present the check for deposit. In this situation, Chase incorrectly allowed the altered XXXX on this check to receive the entirety of the funds from the check. It is very clear on the face of the check, that Chase messed up and should pay XXXX back, who will then in turn re-issue a check to me. 

Given the amount of the check, which represents my ENTIRE life savings, I am not only without any retirement savings but also losing any available earning while it remains un-invested plus will have to face whatever tax penalties to account for the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXXXXXX, and XXXX & I am including it againXXXX XXXXXXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$48000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} 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: Money transfer, virtual currency, or money service

On XX/XX/year> I had two unauthorized XXXX  transactions transfer {$1000.00} at a time from my checking account. I had opened a fish email that appeared to be from Wellsfargo earlier that day. I only opened it and never entered any information or interaction with it. I called, reported, visited a local branch many times over this incident. I made a police report and anything Wellsfargo suggested. No help from XXXX at all. I wouldnt take no for an answer and had them reopen there investigation a couple times. They said I was at fault for using XXXX  and gave me the run around over and over. I work out of town which makes dealing with these matters more difficult and time consuming. Still upset about it, my dad said he saw something about other people having issues so here I am. I have a good amount of notes entailing call ins, claim numbers and faxes that were sent in. {$2000.00} is a lot to walk away from. Wellsfargo has been a great bank except for this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is still furnishing information of an account that is falsely reporting to my credit file. Transunion is not following consumer laws. The account is in violation of 15 USC 1681s-2. This account is not showing any information regarding balance, and payment history, so I don't understand how Transunion is vaildating any information on this account. According to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), this account needs to be removed from credit file. I have submitted a report through the FTC, Attorney 's General, and XXXX. I have attached a consumer fraud report and a copy of my credit report from Transunion of the account that is showing no information. The following account needs to be removed immediately, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

It seems that my Venmo account was hacked approx. 2 weeks ago. I have contacted Venmo on numerous occasions over that time period. The time I actually talked to someone, they said there was " Suspicious Activity '' with reguards to my account, they gave no other details, and that it will be reviewed by their fraud team and that I would hear back from them via email with in 24 hours, that was 5 days ago. My recent contact was with them today and now they say that the fraud team will contact me within 10 to 13 business days! I need this account to run my business! It's not my fault it was hacked, it was Venmo 's, yet I'm being treated like the hacker!
Product: Credit card or prepaid card

My received my debit card from US Bank Reliacard at the beginning of XX/XX/2020. Texas Workforce Commission was loading my unemployment payments to the debit card. I was able to use card without any problems until until sometime around XX/XX/2020. I contacted customer service with the problem as to why my funds where being held and I wasnt able to use card. They then informed me that US BANK RELIACARD needed me to send them copy of government identification so that they may verify I lived at the address that they had on file. That because I corrected an error on my part by changing a lower case letter to upper on my address i had to send in verification of the address change. When there in fact had been no address change at all just me fixing a simple error in punctuation. Problem with sending in a government ID at this time for me is that I had recently lost my id and because of the pandemic I'm not able to replace my id until months from now. Also it is not TWC that has the problem it is the debit company. My funds are issued by TWC not this Reliacard company. I have gone to great lengths to have them possibly understand my situation. I have sent them a copy of mail with name and address, a copy of the appointment I made with the local DPS, a non government ID made by a local church here. There is over XXXX  $ on my debit card and I am not able use my employment funds for my living expenses. Which had caused me to be delinquent on my rental payments. And now receiving eviction notices. Can you please help me to get funds released.
Product: Mortgage

i have attempted to submit request for modification several times but my documents were lost, or claimed not received. After my financial situation worsened I called lender and requested short sale, sent all required documents via fax numerous times, but instead of contacting me or my real estate agent for any missing documents, Nationstar/ aka XXXX just sent me Notice of foreclosure sale scheduled in less than 30 days I keep calling but I only get voicemails, no live rep to talk to, fax line always busy, unable to refax my request and all paperwork for short sale It seems they literally do NOT answer phones, have non working fax numbers so consumers like me are facing foreclosure Please investigate
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing regarding the above-referenced account. Please note that I am not disputing this account XXXX XXXX XXXX Account number XXXX However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account. 
The Date of Charge-Off for this account.

I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX BANK REPORT with EARLY WARNING SERVICES , LLC. XXXX XXXX BANK , XXXX XXXX REMOVED THE REPORT ON XXXX. Early Warning " SAYS '' that they sent me A NOTICE OF REMOVAL LETTER on XXXX, however, up today XXXX, I HAVE NOT RECEIVED ANY NOTICE OF REMOVAL LETTER FROM XXXX XXXX BANK , XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agreed to remove late marker on credit file date for XX/XX/19. However XXXX  and Experian will not allow me to reinvestigate or submit a dispute.
Product: Vehicle loan or lease

XXXX XXXX repossessed the vehicle on XX/XX/XXXX on XXXX XX/XX/XXXX the account was closed, The loan was for XXXX and it was sold for XXXX of the past due in XX/XX/XXXX, The loan was written charged off and it is reported on my credit they never send me a 1099 and sold my account to credit collection asking for the amount XXXX. The name of the collection company MRS
Product: Credit reporting, credit repair services, or other personal consumer reports

Continued violations of Federal Laws and the Fair Credit Reporting Act and reporting of inaccurate information, did not follow FCRA verification laws.

A charge-off, according to the IRS, is income and you must file a 1099-C on the accounts. Additionally, it is illegal to furnish income on a consumer report 15 U.S.C. 1681 section 602 15 U.S.C. 1681 Section 604 A Section 2 15 U.S.C. 1666b
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason why I am putting this complain is because Equifax does not want to remove these inquiries from my credit report, I have been sending them letters and reports from the FTC for months, they still ignore them. Here I leave the list of inquiries that I want to be removed from my credit report : XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXXXX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX   XXXX {$530.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$480.00}
Product: Credit card or prepaid card

Chase sent me mails dated XX/XX/2018 stating that they cancelled all my credit cards as they see too many requests for credit. There are 7 credit card accounts in total they closed and 6 of them have annual fee. As Chase cancelled these cards on their own, not on my request, i requested them to refund the annual fee charged since i haven't utilized all the benefits of the credit cards for the full year. However, Chase refused to refund the fee and was not able to provide their terms and conditions that would allow them to keep the annual fees in case of account cancellations by Chase. I request you to refund the annual fee on my 6 credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a personal loan request through Navy Federal Credit Union ( NFCU ). Undenounced to me, I had already met the unknown and unpublished loan threshold at Navy Federal Credit Union and was later denied credit. Had I known or had any transparency from NFCU I wouldve never requested a personal loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a personal loan. I'm willing to bring in legal counsel to aid in this resolution if necessary. 

Remove hard credit pull from all three credit bureaus.
Product: Debt collection

I have been contacting these people whom hired a collection agency called United Revenue Corp. They have been mailed letters trying to validate the debt for about 36 months. I have sent their collection agency over 15 letters trying to get this debt validated and so on. Spoke with someone on Wednesday of last week and was going to call me back. NOTHING! I have never had such blatant fraud in my life. I am sure the doctors are fantastic of which I do not recall meeting. I am considering speaking with the following agencies to get this matter into the hands of someone whom is capable of following the law. The law requires them or their representative to respond to writing with in 30 days. As such if a company is representing you in a collection matter their behavior becomes an extension of your organization when it comes to behavior.

I don't really care about the stuff being on my credit but I do care that these two companies feel it is acceptable to disregard the rights I as a consumer have  been given. So by Friday I will be speaking with the following agencies who are more than willing to help me and resolve this matter since I have been unsuccessful at trying to amicably do so. I am confident this company may be committing or engaged in fraud. Or the collection agency is ... ... They clearly have zero regard for the FDCPA, HIPPA, FCRA or the FBPA. I have that on RECORDING in a conversation with their collections manager.

Texas State Medical Board Texas Attorney General Texas Department of Health and Human Services Federal Trade Commission - complaint on United Revenue Corp Consumer Financial Protection Bureau Texas Health and Human Services Medicaid - Might be important for someone to review their billing practices XXXX XXXX / XXXX XXXX - Might be important to know their billing practices Texas Governor 's - Office of Financial Responsibility XXXX XXXX XXXX XXXX XXXX XXXX One of their collection agencies under contract explained to me that they get 50 % of every dollar they collect as a few for their services. This is also why they do not care about helping fix inappropriate things or so on. Its also why they do not care about helping the consumer. I have the whole recording. It is about 11:04 minutes. I am well versed in the law as I am an extremely well versed consumer in the ways and regulation of law concerning debt collection and validation practices. I am also a VERY litigious consumer with a track record of winning. I look forward to explaining my case should this matter NOT be resolved immediately without any further delays, period.
Product: Vehicle loan or lease

This issue started in XXXX or XX/XX/2022. I have had several vehicles through Ally, and they told me they would work with me after a Covid/School Shooting Layoff. I was offered a two month extension and it turns out the employee was speaking out of turn. I filed a complaint, and was reached out to by a representative from the Executive Relations Dept.. We played some phone tag, and she left a voicemail informing me they awarded the two month furlough until I was back in school. She said there was no reason to call back. Of course I did, and was not called back myself. 

I have not received a SINGLE phone call since XXXX or XXXX about delinquency. Each time I try to call I am disconnected or rerouted and never called back. Today the car was repossessed and I was charged {$2300.00} to have it returned. That was literally all of my school loan. I am so sick of being taken advantage of as a long time ( and never again ) customer. I need someone on my side, and would greatly appreciate working with someone who can help solve this. I am told the employee who confirmed that furlough is no longer with Ally. I will provide phone records if necessary.
Product: Checking or savings account

I tempted to open a new account with chase bank and as I inserted my information I was directed to the site to sign in because due to their system I already had a account with two different account usernames.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} U S DEPT OF EDXXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance XXXX {$2900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX
Product: Debt collection

We have a Solar loan with join Mosaic. Their lending practices were suspect from day XXXX. They paid our contractor in full XXXX  months before our system was complete, ignoring our responses to them that the job was not done. 

Since dispersing, their collection processes have been predatory. Our due date on our payments is the XXXX of each month, and they have received all but XXXX of our payments in the past XXXX  months before the XXXX of the month. Yet they text, call, and email daily that you are delinquent, and add a {$10.00} late fee, Even though theyve had your payment the entire time. 

Every message you received from Mosaic suggest that you should pay your payment to them so they receive it at least XXXX  days prior to the due date, allowing them time to process it. 

I spoke to Mosaic XX/XX/XXXX because we now received a collection letter from XXXX XXXX XXXX on the loan. When I called them, they are claiming they have not received a payment from us since the one they posted XXXX. Even though our bank, XXXX XXXX XXXX XXXX, shows they received a payment on XXXX ( for XX/XX/XXXX ) and XX/XX/XXXX ( for XX/XX/XXXX ). Their solution is that our bank must send them copies of the checks so they can fix it in their system. 

This is not an isolated incident once or twice, its every single month. They can not get their customers payments posted, and I believe its intentional because a lot of consumers in frustration just pay their fees and their invoices weeks before the due date to avoid the harassment. 

We have not joined a lawsuit at this point, but understand there are several pending against mosaic for their predatory lending.
Product: Mortgage

I received a mortgage through Cit bank in XX/XX/XXXX. At the time of getting my mortgage, I provided insurance information for both the condo building coverages as well as my own private insurance. In XXXX, they transferred my loan to " XXXX XXXX XXXX '' servicing center. 

Without notifying me or getting my consent, XXXX then decided in XXXX to start applying a " Hazard Insurance '' to my mortgage. I already have insurance, and Cit bank should have transferred this information to them when my loan was transferred. This is appalling behavior and should be illegal. 

I called in to addrese this on XX/XX/XXXX and spoke with XXXX, ID XXXX. She told me I had to call their " Hazard Insurance Department '' and then hung up on me. I have tried calling Hazard Insurance and their phone wait times are over one hour.