23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan is being serviced by LoanCare ( LoanCare, a XXXX company and indirect subsidiary of XXXX XXXX XXXX ). I received my first payment letter that instructed me to make the payment by check while the ACH auto draft was being set up. I made my payment on XX/XX/XXXX and then on XX/XX/XXXX they auto drafted me for my mortgage payment. I called to request a refund and they refused and said I would be always be a month ahead. They said my only option was to cancel my auto draft for XX/XX/XXXX and reinstate it in XX/XX/XXXX. I then called my mortgage broker who lodge a compliant with them. They said they would send me a check and the next thing I heard was they were wiring me the funds back. The wire never arrived meanwhile the payment was taken off my account. When I called to inquire on the wire they then said they would overnight me a check. That check never arrived. Now it is XX/XX/XXXX and XX/XX/XXXX payment is due. I had enough so I told them just to keep the funds and I would cancel my audit draft. The notice that my auto draft was in place was dated XXXX/XXXX/16 and I did n't receive it until XXXX/XXXX/16. Also I just received my tax forms on XXXX/XXXX/16 which is late. I have already filed my taxes. Based on the hold time I know I am not the only one with issues. When they processed the 2nd payment they applied it to principal and interest not to principal only. It appears their system does n't pick up on duplicate payments.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2002 XXXX, TX XXXX Subject : Request to Remove Inaccurate Debt from Credit Report Dear Experian, I hope this letter finds you well. I am writing to bring to your attention an issue regarding an inaccurate debt that is reflected on my credit report. I have taken several steps to address this matter, including contacting XXXX XXXXXXXX XXXX XXXXXXXX, and subsequently escalating the issue to the Consumer Financial Protection Bureau ( CFPB ). 

As per my communication with XXXX XXXX XXXX  XXXX, they were unable to validate the debt in question. Therefore, under the guidance of the CFPB, I sought their assistance in contacting XXXX XXXXXXXX XXXX XXXXXXXX to resolve this matter. Unfortunately, despite the CFPB 's efforts, they too were ignored by the aforementioned entity. 

Considering the circumstances, I kindly urge Experian to remove this collection item from my credit report as soon as possible, as it is evident that this debt does not belong to me. 

In support of my request, I would like to bring your attention to the consumer protection regulations outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ) and 12 CFR 1006.34 ( b ) ( 5 ). These sections emphasize the importance of accurately reporting and investigating consumer disputes. As per these regulations, it is imperative that any discrepancies are promptly addressed and resolved. 

I trust that Experian will fulfill its commitment to maintaining the accuracy and integrity of consumers ' credit information. I kindly request that you thoroughly investigate this matter and take appropriate action to rectify this anomaly on my credit report. 

Please provide written confirmation of the removal of this inaccurate debt from my credit report. Additionally, I would appreciate receiving an updated copy of my credit report reflecting the necessary changes. 

Thank you for your prompt attention to this matter. I remain hopeful that you will take swift action to rectify this inaccuracy. Should you require any further information or clarification, please do not hesitate to contact me at the address provided above. 

Yours sincerely, XXXX XXXX
Product: Checking or savings account

I ordered a pressure cleaner off internet and never recieved item. I requested chargeback and bank denied my request. Bank claim merchant has proof of delivery. But no signed proof of delivery exist and I have. p. o. box that the item was too large to be put in. Futher merchant has reputation for fraud transaction on the internet. Also merchant been promising refund by email but has not done so for month. I provided this info to bank which failed to investigate info. Merchant name is XXXX website XXXX email address is XXXX my bank is bank of America
Product: Credit reporting or other personal consumer reports

I am filling this FTC identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my Equifax Consumer XXXX credit report which I do not recognize a Hard inquiry named ( XXXX ) applied for on XX/XX/year>, I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX, and FTC Identity Theft Criminal Complaint # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

XXXX Overdraft fee for a fraudulent charge. I contacted Chime they stated that the charges were valid. I expressed that these are not the charges I swiped my card for. Several months had passed, XX/XX/XXXX, I get an email stated that XXXXXXXX XXXX XXXXl had refunded the charges due to fraud. Chime refused to update my credit report for charges that they approved. XXXX sent them a check for the entire balance and Chime will not update my credit report or reopening my credit-builder account. Now, months later on XX/XX/XXXX, A deposit from the Small Business Association attempted to deposit my loan for my small business but however, Chime declined the deposit. After denying the deposit 2 months later without an email, a text, or phone call, my account was closed and I am still unable to access my funds. On XX/XX/XXXX my account was closed with no communication of how to gain access to my funds. The only way I knew that my account was closed is on payday XX/XX/XXXX I attempted to pay my rent and my card kept declining. I attempted to log in to the app and it stated that I will have to contact XXXX to get access to your account again. It has been well over the 24 hours the email stated once I contacted the company via the email address. At this point, I will never use chime again. I will be filing some type of charges against them. I don't have any food or gas money. I had money in my account on top of my paycheck and my savings account. This is a thief.
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX ( " HM '' ) for violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ) and 12 CFR 1006.14 ( h ) ( 1 ). 

HM is a credit services organization and as per their own admission, they act as an intermediary between a XXXX XXXX and the consumer, and do not extend credit directly or indirectly. This role, coupled with their admission of being a debt collector, brings them under the ambit of the FDCPA. 

On XX/XX/2022, I sent a certified cease and desist letter to XXXX  ( Certified Mail Tracking # : XXXX ), asserting my rights under 15 USC 1692c ( c ) and requesting that HM communicate with me solely through written mail and only when the communication pertains to my remedy. 

Despite my explicit request, HM has continued to breach the guidelines set by the FDCPA. They have recently sent me 3 emails concerning the alleged debt, which is a clear violation of 12 CFR 1006.14 ( h ) ( 1 ). Additionally, they continue to report to my credit report, which according to the definition of " communication '' under 15 USC 1692a ( 2 ), constitutes an indirect conveyance of information about the debt.

15 USC 1692a ( 2 ) as it states " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' I believe these actions by HM are a clear violation of my rights under the FDCPA. According to 15 USC 1692c ( c ), a debt collector must cease communication upon the consumer 's request, except for specific circumstances which XXXX has not adhered to. In addition, per 12 CFR 1006.14 ( h ) ( 1 ), a debt collector must not communicate or attempt to communicate through a medium the person has requested not to be used.

I respectfully ask the CFPB to investigate these practices and take appropriate action to protect my rights as a consumer. I am ready to provide any additional information that may be necessary for the investigation.
Product: Money transfer, virtual currency, or money service

Thursday, XX/XX/XXXX : My computer has a virus, affecting all internet browsers on my computer. 

Friday, XX/XX/XXXX : " XXXX, XXXX '' add themselves to my XXXX, attached to my checking account ending in XXXX, per Bank of America records Saturday, XX/XX/XXXX : I reboot my computer and restore it to factory setting to remove the virus. 

Monday, XX/XX/XXXX : " XXXX XXXX '' transfers {$2200.00} ( XXXX transfer CONF # XXXX ) to themselves from my checking account Tuesday, XX/XX/XXXX : 1. XXXX XXXX transfers {$1900.00} ( XXXX transfer CONF # XXXX ) to themselves from my checking account. 
2. I login to my Bank of America online account, which is when I discover what is happening. Bank of America did not alert me to the fraud. I call Bank of America that afternoon. 
3. On the phone, I have my account frozen, then closed ( see emails dated XX/XX/XXXX and XX/XX/XXXX ) 4.  While on the phone, I log in to my online account change my account information username and password ( see email confirmations from XX/XX/XXXX ) 5. I have a new checking account opened and my remaining money transferred into it ( see email welcoming my new account dated XX/XX/XXXX, and notice of all remaining money removed from old checking account dated XX/XX/XXXX ) 6. I have new checks for my new account ordered ( see email from XX/XX/XXXX ) 7. I delete my phone number and all contacts from XXXX ( see email from XX/XX/XXXX ) Wednesday, XX/XX/XXXX : 1. I have an appointment at Bank of America 's financial center at XXXX XXXX XXXX, XXXX, TN, XXXX with XXXX XXXX, Relationship Management ( see email from XX/XX/XXXX ) a. I am told that Bank of America will handle the investigation and not to contact XXXX b. I am told I do not need to contact the police or the investigators. I am told the investigators they will contact me as needed and tell me if I need to contact the police. 
c. XXXX am told I will be contacted by mail, at XXXX XXXX XXXX XXXX, Washington DC, XXXX, which is my address of record with Bank of America. I verbally confirmed this address on XX/XX/XXXX d. With him, I closed my saving account ending in XXXX and opened a new one ( see emails from XX/XX/XXXX and XX/XX/XXXX ) Monday, XX/XX/XXXX : 1. A letter is received at XXXX XXXX XXXX XXXX, Washington, DC in regards to claim number XXXX. The letter is dated XX/XX/XXXX. My name is misspelled as " XXXX XXXX XXXX XXXX XXXX XXXX '' [ sic ]. The letter states that " the transaction was authorized by you which is false. For this reason, Bank of America wrote that we? re respectfully denying your claim [ sic ]. This is the first communication from Bank of America since XX/XX/XXXX in regards to the claim. 
2. I immediately called XXXX, the number provided in the letter, and spoke with XXXX XXXX then XXXX ( spelling uncertain ) in the claims department. XXXX informed me that my number ( XXXX ) would be given to the back office so they could call me back and explain why my claim was denied. XXXX also provided an address to send the claim. I am still waiting for that call.
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 rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it XXXX XXXX XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact the company as well as filed a complaint. This company was reporting incorrect information and did not conduct a proper investigation. I contacted XXXX XXXX about the matter and theyve confirmed its not being reported correctly. I am requesting the account is deleted. This company has reported a payment history on a closed account.
Product: Debt collection

I downloaded the XXXX app. I seen that my credit score was very low. I checked what was bringing my credit down and it was some medical debt bills that was not me going. These are the following : ARS Account Resolution dated XX/XX/XXXX for the amount of {$1000.00}, ARS Account Resolution dated XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$870.00}, XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$600.00}, and XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Student loan

My student loan was switched over from XXXX XXXX, to Navient without any notice. After the change over Navient stopped sending me bills, assumed I would pay my bills online, and locked me out of their online platform. After many attempts to pay my bills, and finally receiving online access I requested that Navient send me paper bills via USPS. Navient did not fulfill my request and after many times talking to overseas representatives I was finally able to get paper bills in the mail. Several years went by, my wife and I purchased a home and navient began not sending bills in the mail again. When it came time to refinance on my home I was told that my near perfect credit score had plummeted to XXXX, and that I was 3 months delinquent on my student loans. At no time did Navient attempt to contact me about collecting on the loan, at no time was a letter sent to my residence about late payments, and at not time was an email sent to me explaining the delinquency. I contacted customer service, payed my bill in full, and was told that they would not help me in changing my credit status, and that it was not their fault they did n't send me bills in the mail to pay. I was told to sign up for automatic debit for my account. I signed up for automatic debit from my checking account, and payed extra on my bill. Today I received an email that my account is past due 2 months and that I was being charged late fees. When I contacted customer service I was told, from another overseas representative, that my checking account had insufficient funds. This statement was false because my checking account was flush with enough funds to pay my student loan bill, and another loan company who I borrow from had no problem auto-debteding from my checking account. It is my belief that Navient is using deceptive billing techniques, and unreliable overseas customer service in order to collect late fees from their customers. Navient holds hostage of their customers credit scores for financial gain. Both my wife and I had exemplary credit and never had a problem paying our bills due to our gainful employment.
Product: Debt collection

I XXXX XXXX XXXX is collecting on a fraudulent debt created by a company whom is no longer in business nor managing XXXX XXXX. XXXX  XXXX XXXX Representative stated on XX/XX/XXXX he has a ledger that states i owe {$250.00} nsf fee. The STate of Texas Business & Commerce Code 3.506 states the maximum a business or oganization can charge for a nsf processing fee is {$30.00}. I never wrote this company a check. Which is why they cant prove i owe a {$250.00} nsf as of XX/XX/XXXX I demand this company remove debt from my credit report. 

The previous company XXXX XXXX presented this ledger to court to obtatin a fake debt. Then fired the reprsentative whom created the ledger and XXXX XXXX XXXX is no longer in business. This woman created a fraudulent ledger. XXXX hour before court. I have been homeless and not been able to concentrate on this matter until now. I am trying apply for an apartment. This woman made XXXX other ledgers with different amounts. i dint catch XXXX hour before it was submitted to the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in around XX/XX/XXXX, the XXXX relief includes a suspension of loan payments, a 0 % interest rate, and stopped collections on defaulted loans. Student Loan Payment Pause have been Extended until XX/XX/XXXX. 

The student loan payment pause is extended until the U.S. Department of Education is permitted to implement the debt relief program or the litigation is resolved. Payments will restart 60 days later. If the debt relief program has not been implemented and the litigation has not been resolved by XX/XX/XXXX payments will resume 60 days after that. We will notify borrowers before payments restart. 

Late payments inaccurately reported for the following months : XX/XX/XXXX - 90 days XX/XX/XXXX - 120 days XX/XX/XXXX - 160 days XX/XX/XXXX XXXX days ( XXXX to the end of XXXX does not equate to 90 days. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.
Product: Credit reporting or other personal consumer reports

15 usc 1692c ( c ) If a consumer notifies a debit collection that the consumer refuses to pay a debt, the debt collector must seize all communications
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit line XXXX XXXX XXXXXXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due X/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

On XXXX/XXXX/2008 XXXX XXXX XXXX paid {$350000.00} on my account, XXXX. All that was remaining due on the account was some accrued interest in the sum of {$1700.00}, but it was enough to bring the account current, reinstate the mortgage, and the balance should have been adjusted. Instead, U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX, filed a foreclosure action, case number XXXX. It was dismissed for want of prosecution. XXXX attached. Then, ignoring payment was made AGAIN, U.S. BANK XXXX, AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX MORTGAGE XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX filed suit XXXX. Again, U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX filed suit. After we filed our answer and affirmative defenses, showing it was paid as stated above, they dismissed the case voluntarily. See the attached. If that were not bad enough, then U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX MORTGAGE XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX sued US AGAIN, claiming the amount that was paid as shown above, was STILL DUE, violating the federal and state fair debt collection practices act, malicious prosecution, abuse of process, and fraud, mail fraud, wire fraud, and civil conspiracy. This time, the bank got a foreclosure judgment BECAUSE I COULD NOT AFFORD AN ATTORNEY AND HAD TO REPRESENT MYSELF. I did not know what I was doing. XXXX lied about getting the money and did not tell the court they got paid. XXXX lied about having received the money and filed an affidavit claiming it was still due. The XXXX believed XXXX and granted a judgment. See attached. I requested an affidavit from customer service showing the payment was received, but XXXX is now claiming they do not have any information. They are concealing the receipt of the money. See the attached affidavit from the XXXX employees. I want the bank investigated, and either require them to return the money I paid, or vacate the foreclosure judgment, and give me a release of the mortgage, AS THEY HAVE BEEN PAID AS YOU CAN SEE FROM THE ATTACHED. If I had stolen money from a bank, I would be in JAIL. They stole {$350000.00} AND they are STEALING MY HOME. I was just served with eviction notice after the fraudulent foreclosure judgment. I NEED URGENT HELP. PLEASE HELP ME.