23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX XXXX, my mortgage was sold to Carrington Mortgage Services , LLC from XXXXXXXX XXXX. At about the same time, I filed for Chapter XXXX bankruptcy, and managed to get the one payment caught up that I missed, and have bank statements reflecting as such. I continue to make my payments on time and think everything is ok, and then approximately two years later, Carrington files a proof of claim with the bankruptcy court stating I missed a payment ( which I have n't ), and also asked for approximately XXXX XXXX in " projected escrow shortage ''. Unfortunately, I did n't have the money or resources to pursue this matter in court further, so I ended up having to have my house payment rolled into the payment I was already making to the court to " clear up '' this matter. Fast forward to XXXX XXXX, where I lose my job, and manage to continue making payments, and in XXXX I converted the bankruptcy case to a chapter 7 simply because I did n't have a job, and I ca n't afford for them to dismiss the case and have all the other stuff come crashing back down on me. I 'm making payments this WHOLE time, without fail. In the same month ( XXXXl ), Carrington files a relief from stay because they say I 'm behind on my mortgage ( which I 'm not and I can prove it ). Well, the Chapter XXXX Case was XXXX in XXXX XXXX, and their relief from stay was denied because of this. I also have an email in my possession from their attorney stating that my mortgage is current through XXXX XXXX ( it 's current through XXXX XXXX as well ), and I am STILL showing a balance of {$2300.00}, and I have no idea what it 's for. Not only that, but I get an escrow review and my payment has gone up {$61.00} to {$820.00} for a perceived escrow shortage. I contacted XXXX and their rep advised me to call in and find out what 's going on. They told me it was advance payment fees of some sort. I 'm 99.9 % sure it relates to the bankruptcy case, which is now closed, and they ca n't collect on that. So, I thought I 'd start here first. I also have a QWR letter waiting in case I need to send that too.
Product: Money transfers

an incoming call from XXXX keeps calling me ... .5 times today alone ... to tell me that I am the recipient of a {$9700.00} grant from the US Gov't. They offer XXXX options to receive the money. Transfer to your bank account, transfer to a prepaid debit, or pick up cash in person at any MoneyGram location. They were persistent that I choose XXXX, or secondly a Walmart location??? They gave me a grant confirmation # of XXXX and told me to immediately call the senior accounting manager at XXXX. They also inform you that it takes XXXX to 40 mins to complete this call and transaction to get the money " approved ''. No less than 15 times, they stated that the Gov't wants me to have this grant money and that because it Is a grant, I do not need to pay this money back ... ..I then decided this was getting too fishy and declined their offer. They have since called 3 more times ( I did not answer ) after I was adamant that they place me on a do not call list.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I requested Bank of America to perform a wire transfer with the instruction to cover all fees related with the transaction ( code OUR ), so the transfer amount would be delivered in full to the beneficiary. To cover any fees from the recipient bank, Bank of America charged me XXXX XXXX, but this amount was never delivered, and the recipient charged their standard fee for receiving the wire. 

In the electronic document ( attached ) it is observed that fees were instructed to be shared between sender and beneficiary XXXX XXXX XXXX XXXX, contrary to my specific instructions. The XXXX XXXX are identified as " sender 's charges '' : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is worth mentioning that Bank of America reimbursed the XXXX XXXX " transfer fee '' due to another error in this transaction, but they stated that they can not reimbursed the XXXX XXXX as " it has been charged by the recipient bank '', which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files 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 legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. 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 Balance : {$18000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Checking or savings account

Sunday ( XX/XX/XXXX ) - I notice my account is locked. I call Marcus by Goldman Sachs and they have the account unlocked. I go to my account to transfer money and it says there are technical errors and to try again in a few hours. 

Monday ( XX/XX/XXXX ) - I am still receiving the same error so I open a chat. The chat representative tells me I have a no debit hold on my account. They tell me to call XXXX Tuesday ( XX/XX/XXXX ) - First call : I call at XXXX and explain the situation. After waiting an hour, she informs me that there is a garnishment placed on my account. Then, I call the IRS and I'm informed that it shows no debt on my account ( both through the IRS and private ). 

Second call : I call and within 10 minutes, the representative tells me I have access to my funds. I hang up and immediately try to transfer money and get the same message. 

Third call : I speak with an agent who takes 30 minutes to tell me that I have a garnishment on my account. Then, I have to wait another 30 minutes to speak to a supervisor who told me to check my credit with a credit bureau. 

After checking the credit bureau, there is still zero sign of any debt that I am unaware of. All loans and credit cards have been paid off on time. Marcus has been completely unhelpful in getting me the information or source of the garnishment. In total, I spent over five hours on the phone trying to figure out this problem today and I still have zero answers.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized on my credit reports. I need these removed asap. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Capio Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Capio Opened XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

Chase has charged me for late fees and interest three times throughout the past year when I've been a day late on my credit card payment even though their own guidelines and the law state that there is a 25 day grace period.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX - Fraudulent transaction attempted with my credit card account at XXXX in XXXX, Georgia -- card was previously issued with security chip, and fraudulent transaction attempted with card not containing a chip - this attempted transaction was declined by the merchant - a second attempt was then made with a " card not present '' transaction at the same location - this transaction was reviewed by SunTrust Visa credit card fraud desk and approved by them without contacting me XXXX XXXX - I notice the charge on my account and call the credit card company to dispute the charge - on XXXX XXXX, I receive a credit for the amount after having filed a signed affidavit XXXX XXXX - SunTrust hard posts the amount to my credit card account with no explanation - I dispute the transaction again, and they close the dispute claiming that it is a duplicate of the previous dispute XXXX XXXX - I go to the SunTrust branch where the very professional and helpful banker calls the credit card service desk on my behalf to determine why the transaction was posted - after asking the same question at least 5 times and speaking to XXXX different people who barely speak XXXX, it is finally explained that XXXX " provided sufficient documentation that the transaction was valid '' - this documentation was not provided to me, nor did the bank communicate to me without my spending hours on the phone and at the bank branch trying to learn what was happening - the bank claimed that the purchase was " in my normal pattern of spending behavior '' ( ignoring the fact that the transaction in question was at a location where I have never been, was originally attempted with a card with no chip when the bank had issued a chip card to me, and was subsequently processed in a " card not present '' situation and processed by SunTrust fraud services )
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX XXXX XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX XXXX AND XXXX  XXXX XXXX are financial institution by definition under that title. 
As of today XX/XX/2024, per the FCRA as a federally protected consumer Im now opting out of all authorization I the consumer may have given you Experian, XXXX XXXX, XXXX pertaining to reporting non personal information from third parties i.e. : XXXX XXXX XXXX XXXX  AND XXXX  XXXX XXXX : written/unwritten, verbal/nonverbal this is effective immediately and indefinitely on reporting all my private information from these companies. I am opting out from reporting services. 
15 US Code 6802 ( B ) OPT OUT 1 In General : A financial institution may not disclose nonpublic personal information to a non-affiliated party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. 
Per 15 USC 6802 : ( A ) a financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. I have not been provided any notices and continue to not be provided notices. 
( Nonpublic information ) - means personally identifiable financial information, provided by a consumer to a financial institution resulting from any transaction with the consumer of any service performed for the consumer otherwise obtained by the financial institution. There is personal information being furnished on my credit report without my consent. 
Also, according to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. 
*Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : *Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on my report. After review of my credit reports XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have furnished adverse items on my credit report without my consent nor notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a home loan but was denied. The reason for the denial was an open but delinquent Navient student loan account. I contacted Navient to find out more about this student loan because I was unaware of it, all my other student loans are in good standing. A litigator at Navient explained to me that in XX/XX/XXXX the cosigner on this student loan filed for bankruptcy and lumped in this Navient student loan account. Eventually it was discharged in XX/XX/XXXX and the account remained in limbo for several years. I asked to have the account closed and removed from my credit report because I was unaware of this account and didnt have a chance to avoid delinquency. The litigator explained that, after much back and forth, the only option was to have the interest removed during the time the account was in limbo. I did not agree with this result and still requested to have this student loan account closed and removed my credit report. 
While waiting on a response from Navient I received a collections letter from XXXX XXXX, dated XX/XX/XXXX, ( letter attached ) this company explained that they were attempting to collect a debt on behalf of Navient but is willing to accept a settlement of {$19000.00} I responded, in writing, letting them know that I dispute the validity of this claim and would like information from the original creditor. While waiting for a response from that collections company I received another letter. This letter was from XXXX XXXX dated XX/XX/XXXX ( letter attached ) this company also said that they are attempting to collect a debt on behalf of Navient, however they were willing to accept a settlement in the amount of {$7100.00} I responded in writing letting them know that I dispute the validity of this debt and would like information from the original creditor. As of today, XX/XX/XXXX I have received no response from either XXXX XXXX or XXXX XXXX. 
Two separate companies have attempted to collect a debt on behalf of Navient. Both are requesting different settlement amounts and neither have provided information from the original creditor to support their claim.
Product: Credit card

I am a victim of ongoing identity theft on or about XX/XX/XXXX someone opened a Sam 's Club XXXX Credit using my personal information as the personal credit guarantor. I recently discovered this when I checked my personal credit report and discovered that a Sams Club XXXX account was opened and charged off. 
The name of the creditor is Synchrony Bank. I written Synchrony Bank about this issue XX/XX/XXXX I have n't received any written response from the bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts have violated my rights.

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

15 U.S.C. 1681 Section 605 A Section 2. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( A ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ). States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, or XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which
Product: Mortgage

Flagstar is non-responsive, lacks professionalism and their processes are anybody 's guess, when it comes to insurance claims for home losses. We expedited the insurance check ( home reconstruction after a fire ) for them to countersign. Then had to make several calls during which they'd confirm everything was ready and the first 30 % draw would reach us the following week. Flagstar delayed that turnaround by several weeks, crafting stories for the delay each time, such as check was on its way when their portal showed it hadn't even been processed! Meanwhile our contractor was working " out of pocket ''. 
The second draw is even messier. We sent a request to Flagstar for an inspection of the work done and they dispatched one on XX/XX/21. We called a few days later for a status update and were told the inspection indicated at least 75 % of the work was completed ; and that we would have the funds on XX/XX/21, latest, since we had provided XXXX mailing labels in advance. 
When the funds didn't arrive on Friday, we called the following Monday. Flagstar claimed their inspector had made errors and they'd schedule another inspection before releasing any funds. We challenged that position and asked to speak to a supervisor, whom we were told would contact us within 48 hours. We called again Wednesday afternoon when we didn't hear from them, only to be given the run-around by Flagstar for about 2 hours with various excuses why funds aren't being released. Excuses included their inspector having made errors, our insurance company having failed to provide them documentation ( which turned out to be false ) ; needless to say that their inspection department was added to the call at some point and they confirmed the inspection was appropriate! 
Flagstar has a systemic problem of delays every time funds need to be released to the client. In turn, we have to endure longer delays in getting our home repaired. If this isn't a game to facilitate them to draw interest from the insurance check, then what is it?
Product: Credit reporting or other personal consumer reports

I submitted several investagtion request letters to the credit bureaus and never got a response back or the dispute letters processed which is a violation of the FCRA and FDCPA.
Product: Debt collection

I get emails every two weeks asking me to pay for a debt for a Power Company in Texas. I've never heard of the company or lived in Texas. I have asked 3 times to be removed, per their process and they have no complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this issue resolved since XX/XX/2020 and each time reaching out to this company thats reporting on my credit report which is XXXX XXXX XXXX I keep getting undeliverable mail back. The Credit bureaus claim this account is verifiable and have yet to send me any method of verification. This company is violating my rights according to the FCRA. This shouldnt even be on my report and also reporting inaccurate information.