23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello to whom it may concern. 
I been awarded my deceased parents property in XXXX Mass ( XXXX ) probate was a long delay, over 5 years in limbo, finally the court has signed off on the estate. The mortgage payments was not able to be paid by any family members while the property was in probate. This has caused a large past due balance owed. 
I now have legal procession of the property, I contacted Chase bank to let them know. 
I have had my name added to the tittle deed and also the home owners insurance put in my name. 
I filed for a loan ussumption and modification and was denied reason stated in letter. 
we could n't verify your incomes/ or employment on the information you provided. 
I called immediately I said I provided all documents that was requested. 
XXXX monthly bank statements these statements included my direct payroll deposits and first floor tenants lease monthly rent. 
I also provided XXXX payroll stubs as requested. and the XXXX XXXX form as requested. 
Chase had many ways to verified my income and employment City Of XXXX, I sent a letter by via fax to dispute the denied letter. 
I feel Chase bank is not doing all the research as required, I contacted my employment XXXX City of XXXX treasury department and asked if a mortgage company contacted to for status of my employment income status. 
I was told no mortgage company had contacted them. 
I feel that Chase bank or the under writers and the investor ( XXXX XXXX XXXX ) IS TRYING TO STEAL MY PARENTS HOUSE FROM ME please any help or legal direction advise would be helpful thank you
Product: Debt collection

I have already paid the pending balance of {$55.00} online and asked the customer representative to remove me from the communication list. 

I kept getting calls and mail reminders even though my current balance is XXXX. They never removed me from the communication list and I recently received a letter from debt collectors.
Product: Credit card

I have a citicard and was under the impression I set up autopay, but I did not, so I resulted in a late payment fee of {$25.00}. I have been with this company for 5 years between another credit card with Citi and have never been late. I immediately paid the 5 days past due amount and set up auto-pay, and asked if they could waive the {$25.00} as a one time courtesy ( the only late payment I have ever received ) and they said NO. I WOULD HIGHLY RECOMMEND NOT DOING BUSY WITH CITI. I have been in the credit card industry for over 15 years, and ALL credit card companies have a one time courtesy adjustment policy, except for Citi apparently.
Product: Money transfer, virtual currency, or money service

Hello, This is in regards to XXXX. 

XXXX/XXXX/XXXX - I received an incoming bitcoin transfer in the amount of XXXX in bitcoins. 

Within an hour the money should have become available to me because there were over XXXX confirmations. The transaction was still " pending '' in my account which means I have no access to it. 

XXXX/XXXX/XXXX - I opened a case and asked them what 's going on. I did n't hear anything. 

XXXX/XXXX/XXXX - I asked again what 's going on. Within 3 minutes I get a response back about network congestion and transaction fees which is not related to my issue. It seems like just a cut and paste reply. 

I reply a few hours later explaining this is not what is wrong in my case and provided them with details of my transaction and why I am sure it is something on their end. 

I hear nothing. 

XXXX/XXXX/XXXX - I write to them again asking for an update and explaining that this is something on their end. 

XXXX/XXXX/XXXX - I ask them again to please correct this error. I also try calling their customer support number but it tells me they are too busy and it hangs up on me. 

XXXX/XXXX/XXXX - I call the customer service number again and this time XXXX press 1XXXX which is an option to press if you think your account is hacked. This gets me through to someone after some time on hold. 

Customer service looks into my issue and agrees there is something wrong and they said they made a new case for me to the payments department and put the priority to 10. They said my old case was a priority 1 since it was in the general pool of cases. 

I see the new case has been opened in my account. 

XXXX/XXXX/XXXX - I reply to my old case telling them I 'm still waiting. I get another cut and paste reply about high traffic and website outages which again, is not related to my case. This reply was also dated XXXX/XXXX/XXXX for some reason but is listed after my XXXX/XXXX/XXXX message to them. 

XXXX/XXXX/XXXX - I reply to my new case asking if there are any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against the credit agencies, XXXX and Transunion. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with the Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.
Product: Credit reporting, credit repair services, or other personal consumer reports

The record XXXX am questioning connects with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Pursuant to Section 605B of Fair Credit Reporting Act this unknown item must be deleted. 

XXXX XXXX  CC XXXX
Product: Checking or savings account

My complaint surrounds the overdraft policy that Key Bank follows. When an account is over drafted by any amount, there is an overdraft fee charged AT THE END of the next business day. A personal example is, on XX/XX/XXXX I had lost my debit card for my primary checking account so as I waited for my replacement I used my Key Bank account. I electronically transferred the money that I planned on using for each purchase over to the account each time I used my card. At the end of the business day, I had transferred {$0.00} less than I had spent. I noticed this error and transferred more money to the account the following day and used my debit card for a few more transactions. At the closing of the next business day after my account was overdrawn {$0.00} my account was charged a XXXX dollar overdraft fee. The next day I realized this, and since it was my first overdraft they waived the fee bringing my account back positive. Although they do not charge the overdraft fee until the closing of the next business day, they list the transaction of the overdraft fee as the first transaction for that business day, so the day that the fee was charged, since it was the first transaction, it created another overdraft fee for the next business day after the XXXX   transaction. For someone that only keeps money that is being spent in that account, this cycle of fees will continue because of the fee being charged as the first transaction instead of the last transaction at the end of the business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am XXXX  that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Debt collection

XX/XX/year> Subject : Formal Complaint Against Debt Collection Agency for Violations of Consumer Protection Laws and GAAP Dear CFPB, I am writing to file a formal complaint against the following debt collection agency Radius Global Solutions for their improper debt collection practices and violation of my consumer rights under various laws and regulations. 

Radius Global Solutions LLC Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Debt amount listed on consumer report : {$100.00} Date Opened : XX/XX/year> I have received a communication from Radius Global Solutions regarding an alleged debt. I believe this debt is not mine and the collection agencies have failed to follow appropriate legal and accounting standards in attempting to collect it. Specifically, I contend the following : Lack of Verification and Validation : The collection agency has not provided a copy of the original contract or agreement bearing my wet signature. I request the purchase order agreement from the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to verification of the debt, including the name and address of the original creditor and documentation of the debt 's legitimacy. 

Violation of GAAP : The collection agency has not provided any verifiable financial information that adheres to Generally Accepted Accounting Principles ( GAAP ). Without proper documentation, their claims are not substantiated and fail to meet ethical accounting standards. 

Right to Face My Accuser : I am entitled to face my accuser. The debt collector has not provided any evidence that I was informed of the debt being sold, nor was I present during any related transactions. This lack of transparency violates my rights and raises serious concerns about the legitimacy of the debt. 

Unauthorized Reporting : The collection agency has no authority to furnish this alleged account to any consumer reporting agency without proper verification. The false reporting of this debt constitutes defamation of character. 

12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires debt collectors to provide specific information regarding the debt, including the name and address of the original creditor. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors provide a detailed statement of the debt, including documentation that supports their claim. 

Provision of Documentation : Provision of the original contract or agreement bearing my wet signature. If such documentation can not be provided, the debt claim should be considered invalid.
Product: Debt collection

XX/XX/XXXX I received a notification on my credit report that my score went down because of a new " delinquent account '' XXXX in the amount of {$1400.00}. It opened in XX/XX/XXXX and closed in XX/XX/XXXX. I have never lived in a XXXX service area, ever! And certainly not during the time of the " open and close '' dates of the account. 

I WAS NOT EVEN CONTACTED BY THIS COLLECTIONS COMPANY IT JUST SHOWED UP ON MY REPORT AS MINE AND DELINQUENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

18 U.S.C 8 : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

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  ( acct XXXX ), XXXX XXXX XXXX ( acct XXXX ), XXXX XXXX XXXX ( acct XXXX ), XXXX ( acct XXXX ), XXXX XXXX XXXX XXXX acct XXXX ), XXXX XXXX XXXX  ( acct XXXX ), XXXX XXXX XXXX  XXXX acct XXXX ), XXXX XXXX XXXX XXXX acct XXXX and XXXX ), XXXX XXXX XXXX XXXX XXXX acct XXXX ), XXXXXXXX XXXX XXXX acct XXXX ) 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 an 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.

15 U.S.C 1666a : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that eac
h periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S.C 6801a : 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.

15 U.S.C 6802a : Except as otherwise provided in this subchapter, 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 of this title.

15 U.S.C 6802b : Opt Out
Product: Credit reporting or other personal consumer reports

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be XXXX XXXX XXXX Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Product: Debt collection

The XXXX XXXX XXXXXXXX claims I owe them {$6100.00}. The promissory note states that it will tack on a {$100.00} fee then later a {$200.00} fee. The university tacked on those fees and reported the total amount of {$6400.00} to Conserve Collections. Conserve Collections did not communicate with me in any manner, no phone calls, no mail, no email, no debt validation letter, etc. notifying me they now have this debt. I have recently gotten a notification from a credit reporting agency stating that I owe Conserve Collections {$8100.00}. Not only have they reported the wrong amount to credit reporting agencies, but by not notifying me they have the debt, they took away my right to dispute the debt and/or pay it off to prevent reporting to the credit bureau XXXX Because they communicated with third parties, and the third parties are credit reporting agencies, my credit has been damaged by the reporting. Because of them reporting a debt to a credit agency they have yet to prove I owe, my credit has been ruined and I could not get approved for a private student loan in order to continue my education at XXXX XXXX XXXX This has held back my education and career by one year, making me miss out on one year 's worth of a pharmacist salary and will cause me to take on one additional year of education expenses from XXXX. Because I was not able to get approved for a loan due to Conserve Collections ' unlawful reporting to the credit bureau, I now owe XXXX of dollars to XXXX XXXX XXXX The acts of Conserve Collections violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and the Fair Credit Extension Uniformity Act. 

Conserve Collections also has a document attached to their website called XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  This method is a clear violation of Fair Debt Collection Practice Act and Fair Credit Extension Uniformity Act. It encourages universities to arbitrarily tack on a large and generalized percentage known as a " collection cost % '' to increase the amount a student owes just so Conserve Collections ' agency compensation percentage can amount to a larger sum of money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act this creditor has violated my right under 15 USC 1681 section 602 state i have the right to privacy 15 USC 1681 section 604 A section 2 in it also state a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on credit card account under an open end comsumer credit plan as late for any purpose.
Product: Mortgage

OXXXX XXXX paid JP Morgan Chase {$1200.00} for mortgage payment I. XXXX, Oh. Due to mistakes by XXXX the check was declined. <P/>On XXXX went back to Chase and asked if they were going to resubmit the check for payment. The woman at the XXXX XXXX, Oh Chase called the home finance department and they said they would not resubmit the check. Since they were not going to resubmit I wrote another check and gave it to the lady in the bank. <P/>On X/X/17 I went back to Chase and talked to customer service in XXXX, Oh and the woman at the bank called the home finance department to find out both checks had been cashed. Home finance advised that a refund check for the second payment would be sent via XXXX or XXXX overnight. <P/>XXXXWhen it was not received X/X/17 or X/X/17 after 5 calls to Chase customer service, the issue was not resolved. I was told that the check was shipped but would not supply a tracking number. <P/>It 's X/X/17 and we have not received the refund check from Chase.
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I used CashApp to purchase an item I wanted from XXXX. The seller got my money but never sent my item. I disputed the charge with my bank, who said Square Inc., the company responsible for CashApp, stated that the charge is valid and, as evidence, provided proof that I received the item I ordered. When I attempted to address the issue with CashApp, I received a notice that, in response, my CashApp account was shut down.