23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Round point mortgage servicing company have refused to provide information concerning the terms that was signed on property XXXX XXXX XXXX XXXX Louisiana XXXX they have applied all payments made has been held back as though we are n't making payments. I HAVE ALL DOCUMENTS FROM ATTORNEY OFFICE, HUD CONTRACT.
Product: Mortgage

In XXXX 2022 XXXX XXXX XXXXXXXX ( XXXX ) sold my loan to Select Portfolio. We had a XXXX LOC HELO loan XXXX for over 10 years. The payments were automatically withdrawn, and the loan was in excellent status. Almost immediately I saw that Select Portfolio changed the terms of the loan.

1. I called Select Folio and agreed to have up to {$500.00} deducted from my bank to pay this new bank. The 1st month was approx. {$260.00}, next month {$740.00} and then finally they withdrew {$1500.00} in XXXX. This was quite a bit more that the {$500.00} I allowed. Basically, my monthly cost was 400 % higher than XXXX within 6 months. 
2. My loan with XXXX allowed changes from fixed to variable and vice versa, something Select Folio will not do. This is a huge problem since I wanted it converted to a fixed interest rate in XXXX. 2022 This was before all the large rate hikes. 
3. Next, they added a clause whereby they wanted me to purchase additional insurance. This was not required at all from XXXX. 
The loan was for only XXXX, yet the house and land are worth over XXXX. 
They started charging me over XXXX for insurance I didn't need or want and added it to the loan despite already having insurance that was not required since the inception of the loan.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my XXXX XXXX identity theft report ( XXXX REPORT XXXX : ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the XXXX XXXXeport, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about the consumer safety.
Product: Credit card or prepaid card

On the third of XXXX of 2020 I went to an ATM to withdrawal {$80.00} out of my account. I had a {$100.00} balance and planned on leaving the remainder. After several attempts and several surcharges added up I still was not being granted my funds. As I checked my balance again I could not believe my eyes as my balance presented {$0.00} remaining in my account. It was devastating to say the least. I am on XXXX and rely on every penny that I can get to support my family. I contacted customer service on the sixth of XXXX and then called the claims department. No one seemed to know how to help me. After several desperate phone calls to this department and that department with no one giving anykind of realistic name or title of position they held I felt like such a fool for even trying. Still no one has offered to credit me back my {$80.00} balance realistically {$100.00} balance, but all I was asking for was the amount I tried to withdrawal and never received. The claims department told me it would be 4 to 7 days then 7 to 15 and then it became 15 to 30 and then it finally got up to 30 to 45 days before the investigation could be completed.that when I decided something had to be done on a different level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against TransUnion for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCRAA ). During a recent conversation with a TransUnion representative, I called concerning a dispute about a debt collection on my consumer report and the representative argued with me about my what my rights are and are not. When I said I would report the conversation I was informed that I did not have permission to disclose the conversation to any XXXX party. I believe that this statement by the representative constitutes a violation of my rights as a consumer under both the FCRA and the CCRAA.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Jefferson Capital LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX To Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt. 

I formally dispute the validity of this alleged debt. My dispute to Jefferson Capital collection letter, dated XX/XX/, will be sent to Jefferson Capital electronically via Jefferson Capitals email XXXX, CFPBs portal and to the address referenced above, via certified mail, for record keeping purposes. I do not owe this debt or any debt to Jefferson Capital or to any third party Jefferson Capital is stating to represent. I was a victim of identity theft and had a plethora of accounts fraudulently opened in my name. I have enclosed a copy of FTCs id theft report to this letter. 

Additionally, per FDCPA, notifications of dispute must contain the following : the amount of the debt the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector a statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). information that helps a consumer identify the debt being collected information about consumer protections information to help consumers exercise their rights under the FDCPA, including a tear-off dispute form with pre-written prompts for disputing a debt, and disclosures required under certain laws. ( 12 C.F.R. 1006.34 ).

The notice which I received failed to include the majority of the aforementioned, in violation of FCRA and FDCPA. 

You are also notified should any adverse information be placed against my credit reports, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. 

Thank you for your attention in this matter. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my EQUIFAX credit report in XXXX noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3, Equifax assumed this role without permission not only that, they did not have my consent. Equifax did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. Equifax did not exercise their grave responsibility & were unfair. I have already taken the liberty to file this CFPB report and I will file attorney general 's complaint if these accounts aren't removed. Equifax never had a permissible purpose Under 1681b ( a ) 2. I never instructed EQUIFAX to furnish this report and I never consented to this report in the first place. The XXXX fraudulent accounts are XXXX paid charge-off accounts with XXXX XXXX XXXX XXXX for the amounts of {$250.00} and {$230.00}. I have never banked with this company. A Student loan for XXXXXXXX XXXX XXXXXXXX. I NEVER had a school loan. XXXX and XXXX removed this fraudulent student loan but Equifax remains. XXXX told me on CFPB that the tradeline will be removed on all bureaus. A card with XXXX XXXX For the amount of XXXX. In XX/XX/XXXX, a fraudulent collection account with XXXX XXXX XXXX for the original creditor XXXX XXXX XXXX XXXX was placed on my profile for the amount of XXXX. I do not have ANY UTILITY BILLS-ACCOUNTS IN MY NAME AS I DO NOT HAVE MY OWN HOUSE, I stay with my mother on XXXX XXXX. I have not done business with either company and These XXXX accounts needs to be deleted off of my credit. I am attaching my etc report, the letter I sent Equifax and my proof of identity and the CFPB complaint showing XXXX  was to remove all traplines.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries were added to my credit report on XX/XX/year>, XX/XX/year>, and XX/XX/year> without my permission. I promptly contacted each creditor to request documentation showing proof of my submission or consent for these inquiries, but none was provided. Despite my efforts to have the inquiries removed, they remain on my credit report and are having a detrimental impact on my credit profile.
Product: Checking or savings account

I had long term impact with XXXX health wise. During recovery I gave my creditors my Chase checking details so I can be set up in auto payment. 

When I recovered I removed auto payments and I made payments myself. 

Than I realized I forgot to stop some auto payments with certain creditors. 

That resulted is a negative balance in my checking. 

This morning I tried to transfer {$50.00} and deposited {$56.00} to the checking trying to make it XXXX or positive balance. 

My chase app froze and instead {$50.00} full {$500.00} went through ( almost entire saving ). 

I was not sure if I can transfer back the {$500.00} given my negative balance. 

I called Chase Bank and the customer service person understood scenario and said he will contact online banking to see if he can help. He was wonderful. 

After being on hold for a LONG time this lady came on frauds department approximately around XXXX XXXX  today. 

She was EXTREMELY rude. I thought it was a transfer so I was shocked she asked me same questions and asked for my debit card number. 

I asked her if she spoke with other representatives - she got annoyed and very nasty because she didnt like me asking questions why I am questioning the inquiry of repetiion of sensitive information by the wrong department. 
I was expecting online banking department not the fraud department. 

She in a very rude and nasty way asked me what was going on - I shared my situation as mentioned above. She was just not getting it all and was ready to mark my creditors as fraud. This customer service person DOES NOT listen and made up her own false conclusions. 

I requested to get the 1st customer service representative back. He was courteous and understood the issue. 

The fraud department lady got nasty again and started screaming at me because I kept fixing her false conclusions. Than I realized this lady is trouble. I requested for her to stop getting an attitude with me and to transfer me. She cut me off because my statement was not to her liking. 

This is unacceptable and Fraud in itself when your Fraud specialist is making up false narratives. 

Also these type of representatives gives a story the line was cut off ... .. very conveniently exactly at moment when it did not go in their favor.
Product: Credit card or prepaid card

On XX/XX/2022, I made a payment in the amount of {$400.00} on my CareCredit account owned by Synchrony Bank. According to my XX/XX/2022 credit card statement, the minimum payment amount due by XX/XX/2022, was {$330.00}. At the time this payment was made, my account had a fixed payment promotion which requires a minimum monthly payment of {$300.00}. There was also a deferred interest promotional purchase with an expiration date of XX/XX/2022, which did not have any sort of required payment. In addition to the aforementioned, there were XXXX standard purchases with the following balances : {$2.00}, {$.00}, {$3.00}, and {$87.00}. 

On XX/XX/2022, I sent a message through the online messaging center within my account to have {$95.00} of the {$400.00} payment be applied toward the XXXX standard purchase balances totaling {$93.00}. When I logged into my account to see if the payment had posted, I noticed that it had and that {$29.00} had been applied toward the deferred interest promotional purchase which does not expire until XX/XX/2022, and a standard purchase with a remaining balance of {$27.00}. This did not reflect how I had directed Synchrony Bank to allocate my {$400.00} payment. So, I called CareCredit customer service on XX/XX/2022, and requested to speak with a supervisor. XXXX confirmed she could see how I wanted my payment to be allocated and said the system automatically allocates the payments until someone goes in to manually adjust it. On XX/XX/2022, there was a {$29.00} charge and subsequent {$29.00} credit placed on my account. The {$29.00} that was applied toward the deferred interest promotional purchase balance has been removed. XXXX of the XXXX standard purchases, however, which are all interest-bearing balances, remain and should have been completely paid off with the payment I made on XX/XX/2022.
Product: Checking or savings account

Wrote check for {$13.00} dated XX/XX/2020. The check was presented to my checking account on XX/XX/2020 for that amount. On XX/XX/2020 an entry for the same check number debited my account for an additional {$1300.00} listed with description " checking debit adj '' resulting in a total of {$1300.00} being taken from my account instead of the correct amount of {$13.00}. 
On XX/XX/2020 I went to my local bank branch to see what happened. They gave me a copy of the check and printout of transactions including the one in question. The bank branch mgr told me to fax the info and copies to the payee to recover what they deemed an obvious overpayment. On or about XX/XX/XXXX I called the payee directly and was told they negotiated the check for {$13.00} and did not receive any additional monies. After receiving no follow up from the bank, I visited the branch again on XX/XX/XXXX after consulting a former banking employee about the legal amount I wrote on the check. The branch mgr insisted the check had not been negotiated twice, but rather " the Feds adjusted it. '' No explanation beyond that was given. Bank mgr ended the conversation by saying she notified their main office and filed paperwork accordingly. One final follow up I was told the payee must have the additional monies and the bank wasn't responsible., despite the payee claiming otherwise. 
The bottom line is it has been over one month since my money has been erroneously removed from my account through NO FAULT of my own. After calling the state of CT banking commission, they advised me to file this complaint.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, Chase Bank, without notification or warning, decided to close all of my credit card accounts. I asked why, and they said it was due to past due accounts and for too many inquiries. I never had a past due account, always paid off my balances, and never had a late payment. I applied for credit cards, and was approved for every card I applied for. I never had a single issue with Chase Bank, and so I do n't know why they would decide I 'm a risk and close all of my accounts.
Product: Debt collection

I called to try and settle the debt today XXXX and talked to a rep. She did a hardship application and offered me to settle for {$1500.00}. I asked her to settle and delete off credit report for {$1200.00}. She said she would transfer me to someone who was " more lenient ''. That person said no they would not offer me anything different and started telling me I dont pay my bills raising their voice. I asked to talk to a supervisor. She put me on hold for 10 minutes and transferred me to a voicemail that didnt work. I called back and was hungup on. I called back and was transferred to XXXX. He said he is the end all be all of that office and there was no supervisor above him. I asked him about settling and he said he actually deleted the offer and was going to give the offer any more and would not be deleting on the credit either because he didnt have to and they didnt have to offer anything. He refused to let me talk to someone else and just sat there on the phone. I asked how it was legal for them to offer me a offer and just because I asked to talk to a supervisor after being yelled at now they will not offer me a settlement and refuse to ever delete on my credit too. XXXX also refused to tell me statute of limitations and the exact date it went into the office and refused to work with me without any reason at all. They are being very vindictive and retaliatory when I am just trying to settle this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE,  and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citbibank cut my credit limit in half, I have had zero lates with them or any other creditor listed in my credit report. There was no reason for this and one credit card impacted my entire credit report. I heard that Citbank finds older people who could be in or approaching retirement age and cuts their credit limit. I feel that I have been discriminated against because of my age. Ask them if they engage an algorythem that searches out this situation. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX Citi account number XXXX XXXX XXXX XXXX last four of my social is XXXX
Product: Checking or savings account

I've been banking with XXXX XXXX XXXX for 2 years now and I've always had issues with the bank charging me unrelated and unnecessary fees ... I have reached out several times to correct this problem but I cant seem to get the bank to Understand my problem. Upon opening my account I was presented information just to get me to open up an account but a few months later things changed ... I have over {$700.00} in overdrafts and return items fee on my account ... Upon opening the account i was told that BBVA doesn't charge for those Items that wasn't authorized but I was ... when i called to dispute those charges the representative hung up on me after 20 of being on the call. For the last 3 direct deposit I've had it was taken  away from me for fees the bank charged me ... Please help me with this matter ... .Ive call and I cant seem to get any help!
Product: Credit card or prepaid card

I called XXXX to cancel my XXXX XXXX rewards credit card before the first anniversary, to avoid an annual fee and was told that they would not cancel the card and worse that they would still be charging me an annual fee ( even if they let me cancel ). I politely asked if the {$59.00} fee would be refunded as I was not using the card past the first year and I was told they would not do so.
Product: Credit reporting or other personal consumer reports

Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and XXXX XXXX. The Accounts in question are XXXX XXXX**************, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX-**************, XXXX XXXX XXXX, DEPTEDXXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX The account is illegally publishing derogatory and inaccurate information on my consumer report.