23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to formally lodge a complaint against Revolut, which has failed to comply with federal regulations regarding provisional credit for a disputed transaction. Despite my repeated efforts to resolve this issue with Revolut, I have not received provisional credit, nor has my dispute been resolved, even after nearly XXXX months. 

Background Information : Transaction Date : XX/XX/year> Disputed Amount : XXXX $ Type of Transaction : Debit Date Dispute Filed : XX/XX/XXXX Case Reference Number XXXX XXXX I filed a dispute with Revolut on [ XX/XX/XXXX ] for a transaction I believe to be unauthorized or incorrect. Under Regulation E ( 12 CFR 1005.11 ), Revolut is legally obligated to : Investigate the dispute within 10 business days of receiving my complaint.

Provide provisional credit for the disputed amount if the investigation is not resolved within 10 business days.

Resolve the dispute within a total of 45 days ( or 90 days for international or complex cases ).

Violation of Regulation E : As of today, i
t has been nearly three months since I reported the disputed transaction to Revolut, and the company has not provided a resolution. Furthermore, Revolut has refused to provide me with provisional credit, despite their clear obligation to do so under 12 CFR 1005.11 ( c ) ( 2 ). This refusal has caused me significant financial distress.

Efforts to Resolve the Issue : I have contacted Revolut multiple times to request an update on my dispute and to inquire about provisional credit. However, they have either failed to respond or refused to provide any clarity on the timeline or status of my case.

Requested Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter and hold Revolut accountable for its non-compliance with Regulation E. I also request assistance in obtaining : Provisional credit for the disputed amount, as mandated by law.

A timely resolution to my dispute.

Supporting Documentation : I have attached the following documents to support my complaint : A copy of my original dispute filing with Revolut.

Correspondence with Revolut regarding this matter.

Bank statements highlighting the disputed transaction.

Thank you for your attention to this matter. I look forward to your assistance in ensuring that Revolut complies with federal regulations and resolves this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

15 usc 1681 complete and accurate information Creditor reports that account is past due XXXX by two payment and its not the balance reflects XXXX when its XXXX also attach the account information I see upon my account with the payments
Product: Debt collection

I received a call from Diversified Consultants.Inc .. Stating they trying to collect a debt for XXXX. I ask them to send over proof that this was my Debt in writing and i never got any thing. So i wrote them on XX/XX/2019 a letter to Validate debt.Asking them for copies of a sign contract from stating the i agree to pay this debt from XXXX, They response on XX/XX/2019 that they received verification from creditor All they sent over is a bill statement .Nothing with my signutare on it, Nothing stating they own the debt from XXXX . 

Then on XX/XX/2019 the stated they place my account in validation .Which then they still never sent over anything with my signed name on it.THEN ON XX/XX/2019 they sent me a fraud affidavit form from XXXX .So then i sent a letter on XX/XX/2019 them that is is not a valildate debt to them under fair credit reporting act, I have not heard back from them yet.
Product: Checking or savings account

Hello, The East West Bank closed my account suddendly and transfered money from my account without my consent on XXXX XXXX XXXX. They transfered total {$4400.00}. A total of night transactions. I have no idea why they can taken my money to transfered to other company and it is already my personal property. The money from faire.com, we sell the product there, we shipped the product and we get the payment. It is unacceptable to transfer my money away privately by The East West Bank. They need to compensate me for this loss. we tried to communicated more times with bank they don't have any answered about this transaction. the customer service said they don't know as well. it is ridiculous. My request is for the bank to refund the money for these XXXX transactions in my account, a total of {$4400.00}. thank you
Product: Credit reporting or other personal consumer reports

XXXX reported inconsistently or not listed properly. 
XXXX XXXX reporting discrepancies compared to XXXX and XXXX. 
XXXX XXXX XXXX reporting charge-offs monthly, violating XXXX XXXX standards. 
Failure to list duplicate accounts consistently.
Product: Mortgage

We refinanced our home almost 2 years ago. At the time, I asked the BOA representative how would we be able to remove the PMI from our loan. I was told once the LTV ratio was below 80 %, I would be able to contact BOA and have them remove the PMI from the mortgage. We recently reached the 80 % LTV ratio so I contacted BOA to have them remove the PMI. I received a letter from them stating in order to do that I would either have pay a {$440.00} appraisal fee to have it removed immediately or wait and pay 3 more years of PMI to have it removed without an appraisal. I believe this is unfair because at no point in my conversation with the BOA representative did he mention the loan had to be a certain age or we would have we would have to pay an appraisal fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, XX/XX/18, I noticed a pending transaction in my bank account in the amount of {$19.00} for TransUnion which I unknowingly signed up for several months ago when trying to do the free report. The previous withdrawals from my bank account escaped my notice until now. I have never received a single email confirmation or any correspondence to suggest that I was a part of a monthly subscription. I had no idea. Additionally, the email TransUnion had on file for me, after I went on today to cancel my account, was one they generated themselves which was blackhole @ tu. [ something ], which was completely unknown to me. 

I called today to cancel the subscription I never knowingly signed up for, and they wanted my social, address, and birthday. Not willing to give this information over the phone, I refused, and they were unable to continue to cancel the subscription. I found a link online to cancel it, and I will know if it worked next month at this point as there is still no confirmation email or any sort of in program confirmation page.
Product: Debt collection

XXXX XXXX was sold an account from XXXX XXXX and has been reporting Account number XXXX with a amount due of {$3400.00} on my credit report. In XX/XX/XXXX and XX/XX/XXXX, I sent XXXX XXXX numerous debt validation letters via certified mail and they have not followed the FDCPA and provide me with the following : Validation of Debt Request, Proof of you right to/collect this alleged debt, balance claimed including all fees, interest and penalties, contract being my personal signature, license proof to collect debts in my state. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX and they removed them from my credit report, however, within days XXXX XXXX was added back to my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a letter, on behalf of XXXX XXXX, trying to collect the debt of {$3400.00}. In the letter it states " because of the of the age of your debt, XXXX XXXX will not sue you for it. '' I sent debt validation letters via certified mail to XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX and XX/XX/XXXX. However, they have not followed the FDCPA and provide me with the aforementioned documentation. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX XXXX XXXX and they removed XXXX XXXX from my credit report, however, within days XXXX XXXX   was added back to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureuas and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I received notice in XX/XX/XXXX from XXXX County, Maryland that my taxes were not paid for the end of year XXXX. The amount due was {$1300.00} with interest if paid in XXXX of XXXX. I first went to the website and emailed them about the issue and have still never received any return email from them on the issue. I called my mortgage servicer ( Loancare ) during the first week of XX/XX/XXXX to see what the problem was. They were not able to give me much information, but gave me a fax number XXXX XXXX ) to fax the bill in to their Escrow department for payment. I faxed the tax bill to them on XX/XX/XXXX and called about 5 days later to confirm they received the bill for payment. They acknowledged receiving the bill and said it would be paid by XX/XX/XXXX. When it was not paid by XX/XX/XXXX, I called by and spoke to XXXX ( ID # XXXX ) and he escalated the issue and said it should be paid within 48 hours. I called back on XX/XX/XXXX and was on hold for about 20 minutes before being hung up on. I called back and spoke to a customer service supervisor name XXXX ( ID # XXXX ) and explained my situation to her. She wasn't sure why it hadn't been paid and she needed to speak to the Escrow department, but said they don't take incoming calls, so she needed to email them and wait for response. She said she would call me back the following day. As of XX/XX/XXXX, I have not received a call back on the issue.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX fraudulent charges appeared on citi card. XXXX for {$190.00} from XXXX and XXXX for {$190.00} from XXXX XXXX XXXX. I immediately reported the charges as fraudulent. My card was closed and a new card number was issued to me. I recieved security credits for the fraudulent charges along with a new card in the mail within a reasonable amount of time. 

On XX/XX/XXXX, before I had even recieved my new card in the mail, XXXX of the same XXXX merchants was able to charge my card for an identical amount. The charge was {$190.00} from XXXX. 

I have reported this fraudulent charge to citi numerous times over the last couple of months. Each time I'm given a new explanation for why citi has failed to properly open a dispute into this fraudulent charge. 

Most recently, on XX/XX/XXXX, I spoke to a representative who said that her colleagues must have failed to open a dispute under the correct card number. I told her that I didn't think this was correct, but she refused to listen to me. She assured me that she knew what she was doing and that I would see the open investigation in my online " Dispute Center '' shortly. This, of course, was untrue. 

I have given up attempting to resolve this issue with citi because of the poor customer service I have received and my lack of faith that any of its representatives know how to resolve my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been XXXXXXXX by XXXX  XXXX XXXX regarding my account status. Since XX/XX/XXXX Ive expressed to XXXX  XXXX XXXX Ive been XXXX XXXX XXXX XXXXXXXX XXXX, in hope they would help me with repayment option to keep my account open. However, not only have I been charged annual and monthly service fees including constant increases, but I have also been XXXX daily to make payment which even though I told them the law that went into effect in XXXX, they disregarded the bill collection XXXX act, therefore I was forced to make the payments in fear of my personal information being shared and or reported incorrectly. Im attaching all the documentation in hope to provide more. My account hasnt been closed by my request, which I spoke with XXXX  XXXX today XX/XX/XXXX, yesterday XX/XX/XXXX last week and each week after XX/XX/XXXX until recently discovering this illegal activity
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent Credit Acceptance a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.
Product: Checking or savings account

I have a Chase checking account. In XXXX I opened a XXXX Bank account. This year I set up an XXXX withdrawl of {$100.00} to be transferred from my Chase account to my XXXX account monthly. 

On the following days, Chase took out {$100.00} from my checking account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I noticed that the transfers from Chase were not in my XXXX account, I contacted Chase. Chase insisted I had to contact XXXX Bank to resolve the problem. I contacted XXXX and they insisted I had to contact Chase. 

After spending several hours on the phone with both Chase and XXXX, I decided to close the XXXX Bank account. This was in early XXXX. 

As you can see from the above dates, even after I closed the XXXX Bank account, Chase still took out money from my Chase account, supposedly to send to an account that was no longer in existence! 
I have sent numerous messages to Chase via the secure online system. Chase finally refunded me two of the {$100.00} withdrawals. This was done on XXXX XX/XX/XXXX. 

Chase refuses to refund the remaining two withdrawals of {$100.00}. I believe withholding my money constitutes theft. 

Chase withdrew {$400.00} from my checking account. None of this money ever reached my XXXX Bank account. Chase has returned {$200.00} to me and has now refused to return the rest of my money ( {$200.00} ), declaring the inquiry closed! 

I would like my money bank. This is not the first time I have had problems with Chase. ( I had a Chase mortgage and the pay off sum I received was not in line with what I anticipated based on the information in my account. ) I am enclosing the following : 1. Some of the correspondence between Chase and myself 2. Proof from my Chase checking account showing the withdrawals and returns described above. 
3. Letter from XXXX Bank stating they never received any of the money Chase claimed it had sent to my XXXX account. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - Data Breaching My personal information is at Web for selling - according XXXX
Product: Mortgage

The Florida Department of Economic Opportunity - HAF Program states they sent the XXXX mortgage payment on XX/XX/2023 and the XXXX payment on XX/XX/2023 as of today XX/XX/2023 AmeriHome Mortgage states they have not received either payment or they say they do not have it. Payments are being wired transferred in batches and it has not yet been applied to my account, which means it is overdue and affecting my credit.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 1

5 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This account is closed with a XXXX balance it is not a collection. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. This account violates 15 USC 1692 ; 15 USC 1681 ( a ) ( b ) ( e ) subsections. I request this account to be removed within 30 days of this notice in lieu of statutory damages litigation. The contract on this account has been cancelled.
Product: Debt collection

I submitted a dispute against XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; was told that once I did so the vendor had 14 days to respond. I was also told to wait An additional 7 days before inquiring the decision. a total of 21 days ; I called and spoke with XXXX and she tried to reach the dispute dpt but to no avail. I also called the disputes Dept right after ; No one answered but I left a very detailed message. Waited till Friday ( 48hrs later ) never got a return call; left another msg. Called again today Tuesday XX/XX/XXXX. It's been nearly 30 days and I have no update. No one answers the phone or returns messages. I have be given no correspondence. This is greatly affecting my credit score and life.
Product: Mortgage

I lost my job and was unable to receive job offer paying nearly what I was making. Unfortunately as of XXXX I fail behind on my mortgage and decided to do a Forbearance for a year XX/XX/XXXX to XX/XX/XXXX. I have a buyer for my home but the mortgage company seem to not want to work with me. My current mortgage is almost XXXX dollars. 
Before the forebaarance I had NO choice but to file chapter XXXX bankruptcy., I just was not receiving the job offers. I worked for XXXX while interviewing for other jobs, I worked for XXXX  while interviewing for other jobs, I worked for the XXXX XXXX XXXX XXXX XXXX and was wrongfully terminated after 6 months. The situation is currently being investigated. I finally received a job offer that offers more stable employment but I am still over XXXX less than I was making. I called my mortgage lender ( Rocket Mortgage or Quicken Loan ) and asked for a final payout. It has been almost a month and I have not received anything from them. To be honest some of the agents were condisending about my Mortgage status. I expressed that I have a buyer who has the the income to buy the home but I have received absolutely NO support " We will put in a request for a pay off amount ''? No follow up. " We have a different email address for you '' Not True. " It takes several weeks to receive a Final Pay Out " We are almost at week 4. " Get a Realitor " I still need a pay off. Why can I do a simple sell by owner? No explanation. My buyer has already been approved so why add to my already stressed financial situation. None of this is my fault, its just life showing up in a bad way. The reality these Mortgage Companies are not sympathetic at all. I have been paying my mortgage without any problems since XXXX now I am treated as if I am a lazy low life. All I want is to be responsible and sell my XXXX XXXX condo to someone who can handle the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX  XXXX Department of EducationXXXXXXXX XXXX XXXX XXXXXXXX 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