23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX both my wallets were stolen out of my car and retrieved by the local Police Department on XX/XX/XXXX. I was able to get all my credit cards back from the evidence dept on XX/XX/XXXX. I called XXXX XXXX to replace all my cards, but I didn't do it for the rest of my cards from different credit card companies. Months went by until XX/XX/XXXX when I realized someone had used my Chase card and that's exactly when I called it in for fraudulent charges. The charges for {$6300.00} were credited only to be billed back on XX/XX/XXXX. 

I called Chase Fraud Department either on XX/XX/XXXX or XXXX and received a call back on XX/XX/XXXX. They stated that all my charges on my card were valid and that I am responsible for the charges. They closed the fraud claim and assured that this claim was researched thoroughly. 

The fraudulent charges were made roughly XXXX miles away where I work at the XXXX XXXX daily from XXXX XXXX  to XXXX XXXX. I submitted journal entries as part of my job as a notary public for California to show that I have to be physically present in front of a customer to offer the notary service. I also submitted delivery invoice that I have to sign whenever a vendor driver delivers supplies to the store. The other submission that I have are print outs of tracking number of packages that we received in our store that were signed by me. 

I can submit more proof that I was not present and my card was not inserted when all these charges occurred. I have the card in question still originally sealed from the Police Department. I might be wrong but I don't think any credit card reader can read chip with plastic covering the whole card. I notified Chase immediately within the 60 days when the error appeared on my statement. 

Chase insisted that most of the charges were chip transactions that can't be fraud. I strongly believe these charges ( transaction date from XX/XX/XXXX - XX/XX/XXXX ) are unauthorized. I can't possibly be in two different locations XXXX miles away physically at the same time. If there's only one card, I have it in my possession the whole time with the original seal from the police department. Chase claimed the charges were chip transactions. This mean someone was able to duplicate/ skim the card and use it without my permission. I am not responsible for these fraudulent charges. I will pay for the charges occurred from XX/XX/XXXX through XX/XX/XXXX transaction date because these are my purchases.
Product: Mortgage

Fay Servicing has not payed the property insurance for property that I inherited from my daughter 's estate. I had the property insurance changed from XXXX to XXXX because of the cost premium. XXXX is less, and XXXX is more than three ( 3 ) times as expensive. 

Fay Servicing ignores, omits and misrepresents many request to have the insurance, recognizing my legal interest to the property, accounting summary, payments made by me on the mortgaged property, AND does not clearly communicate the legal requirements for my keeping the property. 

Fay Servicing has requested I sign acknowledgment documents that I do not understand and has made me feel very, very insecure about my legal rights to the property. The " successor in Interest '' has made me feel/believe and question my rights to the property, despite the XXXX XXXX XXXX XXXX XXXX Georgia has appointed me the administrator.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( cell ) XX/XX/XXXX Via Certified Mail, Return Receipt No. XXXX XXXX XXXX XXXX XXXX FAMS - Financial Asset Management Systems , Inc . 
Attn : XXXX XXXX VP Operations XXXX XXXX  XXXX XXXX, GA XXXX AND Via Certified Mail, Return Receipt No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAMS Registered Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Notice to Rescind Settlement Agreement Dear XXXX, Please be advised that I am rescinding the settlement agreement made with your company for the following reasons. I agreed to a reduced settlement plan with your company last week and paid {$100.00} down using my Visa ending in XXXX. Your company was told at the time that the agreement was contingent upon my receiving the agreed settlement terms in writing within 24 hours. After I did not receive a copy of the receipt detailing my telephonic payment or a settlement agreement as promised, I called back the next day to inquire about when I could expect to receive the settlement agreement and a copy of my transaction receipt. I provided both an email and a fax number. 
As of the date of this letter, you sent one letter dated XX/XX/XXXX still showing a balance of {$54000.00} and a payment due XX/XX/XXXX in the amount of {$500.00}. The letter is attached for your review. The letter does not contain any receipt or acknowledgement of my {$100.00} payment and it does not contain any of our agreed upon settlement terms, include the total amount of the settlement and the agreed upon monthly payment amounts. I still have not received a copy of my transaction receipt for the {$100.00} I paid towards consideration of the settlement agreement. I also have not received the settlement agreement as promised. 
At this time, because of your companys deceptive and unfair debt collection practices and because you have breached the terms of our verbal agreement by not providing terms in writing as requested or a copy of my receipt, I do not feel comfortable proceeding with any payment arrangements made with your company. As a result, I am hereby rescinding any agreements made with your company to settle this debt and hereby revoke any promises of future payments made as a result of this verbal agreement, effective immediately. You do not have authorization to debit any of my financial accounts, including but not limited to my debit card ending in XXXX. I hereby dispute the validity of the debt described in your letter dated XX/XX/XXXX, a copy of which is attached for your convenience, and I demand a refund of the {$100.00} made with my Visa card ending XXXX, within 48 hours of your receipt of this notice. 
Regards, XXXX XXXX. 
Cc : Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

Challenge everything on my credit report that I have disputed over and over again are still on my credit reports and you all have not disputed anything I have disputed everything even charge off are still on my credit score and they should be removed from my credit report
Product: Mortgage

VA Home loan was purchased XX/XX/16 through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nationstar is acting as a lender to my XXXX XXXX XXXX which was originally through XXXX XXXX however, Nationstar bridge-loaned through XXXX to be FDIC insured. They used XXXX XXXX XXXX XXXX XXXX to conceal who the true lender or party in interest is/was, creating a cloud on my title. XXXX XXXX XXXX XXXX, commonly referred to as XXXX is illegally acting under the registered mark owned by XXXX XXXX XXXX XXXX, in violation of the Lanham Act. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXThe XXXX number on my mortgage documents refers to the electronic registry my loan was placed in to be securitized as a mortgage-backed security ( unknown to me ) but that XXXX and registry are owned by XXXX XXXX, not XXXX XXXX XXXX XXXX XXXXXXXX Nationstar has been sanctioned from performing such actions by the CFPB and Federal Govt. See XXXX order. I was never made aware my mortgage Note was to be converted into an electronic note, violating the UETA. It was also never disclosed that my loan would be sold in the secondary mortgage market.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with XXXX XXXX, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 I tried to get my reports using the www.annualcreditreport.com. 
The companies in question refused to provide me
Product: Credit reporting or other personal consumer reports

Portfolio recovery. Open date XX/XX/2021 and showing a balance of {$460.00}. I have no contract with this company and it was already deleted from my Experian report.
Product: Checking or savings account

I was a victim of a scam and now Bank of America is making me pay for the funds they released in the amount of {$2500.00} from bad check that was given to me when they knowingly were holding off on making the transfer until the bad check was cleared. Bank of America said they did the transfer to the other person as a curtesy to their customers and the check was a scam. They also told me that since it was a teller transfer that the bank that I went to do the transfer had to file the claim. I made an appointment to go to the bank so they can do the claim on XX/XX/30 at XXXX. When I got there, they said that they don't do that but I gave them the phone number that they had to call. He was on the phone on hold with the fraud department and they told him that I was not able to do a claim since it was a teller transfer. They suggested to him the operator on the phone that I get a lawyer because I had to payback the {$2500.00} that they transfered to the person who was at this point the scammer. Shame on me for falling for the scam but shame on Bank of America for also scamming their customer. How can a bank release funds that I don't have and pending for a check to clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX a Texas company, at XXXX XXXX one night demanding that I provide banking information to pay for an unfamiliar debt before the account is added to my credit reports. The lady stated that she could see that the account is not on my credit files, and if I wanted to keep things that way, I would need to pay now, or the account that is not on my report would then be added. I said that I didn't owe anyone anything, maybe you have the wrong person, I am a victim of identity theft, and if she wants to communicate with me, she should do it by mail or email. I asked the lady to mail verifiable proof that the so-called debt is mine, but the lady just hung up in my face. Then, on XX/XX/XXXX, a collection account appeared on my three credit reports. I disputed the account across my credit files. I advised that I didn't have any business with any of the associated companies. I still have no verifiable proof that the debt belongs to me ; in fact, I'm certain that it doesn't. 
Additionally, I remember inXX/XX/XXXX a collection account appeared across my credit reports times before. The reporting collection agencies could not provide sufficient documentation that the debt belonged to me and each credit bureau removed that false collection account accordingly. AND This newly added collection appears to keep being sold from agency to agency because none can substantiate the debt. I'm tired of keep having to prove the same proof this debt does not belong to me. Additionally, XXXX XXXX XXXX SHOULD NOT HAVE BEEN ABLE TO VIEW MY CREDIT FILES ; I have no business with them. They have several complaints with their areas XXXX  and other online complaints about fraud and stealing person money and not providing what they had promised to the consumer. I don't see myself paying for something that I do not owe and want this account REMOVED from my three credit files accordingly. What this company is doing to consumers is unlawful. The three credit bureaus should start considering the consumer ; I have Locks and freezes, I have even opted out of pre-screened offers, NO ONE should view my reports unless I do business with them. I want to sue them for financial damages
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( account number XXXX ) has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I requested a balance transfer of {$12000.00} with my credit card company Barclays Bank and it was approved and deposited to my bank account with XXXX XXXX  on XX/XX/2021 in the amount of {$12000.00}. My account with Barclays reflects that they have made two duplicate deposits for {$12000.00} each totaling {$24000.00} with two duplicate balance transfer fees of {$360.00} each totaling {$730.00}. They have made only one deposit to my bank account with XXXX XXXX for {$12000.00}. I have credit line of {$17000.00} and they are reporting to the credit bureaus negatively, and it has impacted my credit score and credit report negatively. I have not been able to apply for any credit during this time as it affects the interest rate. I have made numerous attempts to resolve the issue. First phone call attempt was made on XX/XX/2021 at XXXX XXXX. and I spoke with XXXX advising of the issue and was reassured it would be addressed. XX/XX/2021 I spoke with XXXX at XXXXXXXX XXXX. and was reassured it would be addressed, with no record of my phone call from the day before. XX/XX/2021 I requested to speak with a manager due to being told no record of the phone call and spoke with XXXX in the Customer Care Department and was reassured it would be addressed and was provided with case number # XXXX. I was advised the issue would be addressed and that they would update my account and report the correct information to the credit bureaus removing the duplicate balance transfer of {$12000.00} and duplicate transfer fee of {$360.00}. I requested XXXX to follow up and update me on this matter and she agreed. Today is XX/XX/2021 and the issue still has not been resolved and I have not received a call back as promised by XXXX. I have a payment that is due XX/XX/2021 for the incorrect amount and I am very frustrated that XXXX has not addressed the issue with my account and updated the bureaus correctly. This issue has dropped my credit score from XXXX to XXXX. I have the credit card account for an emergency and now can not use my credit line to bury my father that just passed away due to XXXX. His cremains sit at the funeral home while the bank does nothing to fix this issue. I take good care of my credit by paying my bills on time and should not be impacted like this. I've explained the urgency to XXXX as I'm working through this difficult time. Please escalate this issue so my family and I can bury my father. Thank you.
Product: Credit reporting or other personal consumer reports

I've filed with CFPB on numerous accounts with Navy Federal credit Union. They have responded to none. Pursuant to the federal law I want all debts immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my recent credit Reports XX/XX/XXXX  ; I noticed for the third time deficiencies of reporting and inaccurate information on XXXX and XXXX credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) 15 USC 1681 section 602 A, Section 604 A Section 2, 15 USC 1681c ( a ) ( 5 ) and 15 USC 1681s 2 ( A ) ( 1 ). 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is NOT my address ; I never lived there! I have filed an identity theft report regarding this address. ( please see attached ) Additionally I respectfully request a proper investigation of UPDATED XX/XX/XXXX  XXXX XXXX individual account Balance {$3000.00} having no Account number, on XXXX Credit Report. 

I AM NEVER LATE on my verified accounts and I am entitled to 100 % accurate reporting on all my credit reports with the credit bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reported to companies and please see attached FTC Identity theft report. Im concerned my personal information may have been breached in a data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just completed a chapter  XXXX  bankruptcy that included the   XXXX   XXXX   XXXX  home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX   XXXX   XXXX  home loans should now read closed.   XXXX   balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error and resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

my parents are both deceased. they left house behind and the house still has a mortgage. my XXXX sisters were living in the house and were not paying the mortgage. I called Ocwen after my XXXX sisters moved out the house. I was advised by Ocwen that if I paid the back notes the mortgage monthly note would still be {$480.00}. Ocwen advised me to file for a loan modification and while waiting for a decision from the loan modification I did n't have to pay the monthly note. They would add the months to the mortgage end date. I was denied three times. Each time Ocwen kept telling me to apply again. Well, XXXX months went by and me and my family are living in the house. So Ocwen offers me a re-payment plan two days before the Sheriff sale. Of course I adhered to the offer. Heres the offer : {$7000.00} down payment and 11 payments of {$1500.00} and then everything would be caught up and the note would go back to {$480.00} per month. Now Ocwen is claiming that I owe them {$2700.00} in fees and other cost .... and the new monthly note is {$1200.00} Ocwen are scam artist. Please advise me of what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine.

2. Identity Theft TD BANK N.A.

Account Number : XXXX This is not mine. 

3. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The status is incorrect for the following account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account JXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Mortgage

I am reaching out seeking assistance in dealing with our mortgage provider. We are XXXX XXXX XXXX XXXX XXXX providing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We were severely impact by the pandemic shutdown last year and were unable to make our mortgage payment. The provider agreed to a forbearance plan. Now they sent us a repayment plan with a monthly payment that is more than double of what it used to be prior to the pandemic. I reached out to them and they said there is no other option. There is no way we can pay the amount of the plan since it is more than our monthly income and more than double of what it used to be before our business was impacted by the pandemic. We need help to get them to agree to a reasonable payment amount so we can keep our home. Please advise on how you may be able to help us or what else we can do? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i used my new Kohl 's store card XX/XX/XXXX i recieved a call telling me my account was past due. - i talked with the customer rep and explained i had yet to receive my statement from Kohl 's. They checked and verified all of my info and corrected my email address. They said that if i could pay the account right then they could waive any late fees or interest charges. I did and thought the matter was resolved until XX/XX/XXXX i saw they had reported the late payment on my credit history. I called Kohl 's to get it rectified but after several hours and many more operators they sent me a letter stating they didn't feel it was their place to change the report and if i didn't like it to contact you
Product: Mortgage

I have tried on a number of times in person and via phone to contact this company. Tonight at XXXXXXXX XXXX I receive a call from the XXXX from Rushmore saying that I am late in my payment. NO I am not late. The due date is XX/XX/2018 which has a grace period of 15 days. Thus I am not late. This is called harassment. The woman 's name was XXXX and her number was XXXX XXXX XXXX. She called me for no reason except to harass me. 

I am not late in my payment. I have also paid my taxes on the house which they told me they would incorporate but they lied. I met in person with a woman Rushmore. I sent her emails and I called her. She did not have the decency to call me back or acknowledge me. Rushmore is a corrupt company and they lie. 

I have asked for a reduction in my balance because it does not make sense that after 12 years of payments to various companies I still owe XXXX. Not only they have no right to call me when I am not even late in my payment but they should tell me that after paying my county taxes why my mortgage is still high more than 600 dollars every month. This company which is represented in the US is actually in the XXXX. Who knows who their so called investors are.