23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted Ocwen in the summer ( XXXX  ) to get my PMI ( Private Mortgage Insurance ) removed from my mortgage as the houses in my area have gone up in price. I was advised that unless I have added a bathroom or a bedroom I had to order a full appraisal so they could use that to gauge the value. I specifically asked if I had to contact someone to order an appraisal or if they had to use a specific vendor or company. I was advised that I can set everything up and to send in the paperwork after it has been completed. I ordered an appraisal and the value of what I owe and what my house appraised at in XXXX was under 74 %. My submission was rejected due to " Broker Opinion Value '' I contacted Ocwen and they told me that I couldn't use whoever I wanted to use and they had to initiate it. Ironically the person I used was also the same person that initially appraised my house when I first purchased the house since he told me when I met him. I told the manager I was told that I could use any company as long as it's a full appraisal and I paid {$500.00} to get this done. I was advised that there was nothing they can do, even though I made a case that there must be a recording somewhere as everything is on a recorded line. I would like to receive help removing PMI from my Mortgage as my house is worth more than the contract terms, and at this point Ocwen is charging me about {$95.00} a month for pure profit. I feel like i'm being scammed and also out {$500.00} please help.
Product: Debt collection

To Whom It May Concern : This letter is regarding SPRING OAKS CAPITAL LLC, which claim a derogatory condition here, such as I owe {$3000.00} which you claim a derogatory condition here. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I am a victim of Covid 19 and legally you should not have put them there.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful
non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loan Care ( myloancare.com ) website has been down for the last two months so I have been unable to make payments online. As a result, I must call in a payment and wait on hold for close to an hour before speaking to someone. I want this investigated, the website does n't even work. I 've tried from multiple locations, multiple computers, multiple browsers. I could n't even get their contact information to load and had to find the number in a google search. How can they expect customers to make on-time payments when they ca n't even keep a website running?
Product: Mortgage

Subject : Inquiry Regarding Account Credit and XXXX XXXX Dear Bank of America Customer Service, I am writing to express concerns about my account ( Account Number : [ Your Account Number ] ) and the recent payment request despite a credit balance. According to House XXXX XXXX XXXX ( XXXX XXXX ) of 1933, debts can be XXXX upon payment in any coin or currency that is legal tender at the time. Additionally, my Social Security XXXX XXXX is backed by the full faith and credit of the XXXX government, which I understand can be used to offset and discharge debts. 

Upon reviewing my billing statement, I noticed a credit balance ; however, there was no indication of a negative sign or note stating " credit balance. '' In standard accounting practices, the absence of a plus or minus sign typically denotes a positive amount. Therefore, I was surprised to receive a payment request on an account that appeared to have a credit. 

I respectfully request clarification on the following : Account XXXX : Confirmation of my current account balance and the reason for the payment request despite the apparent credit. 

Application of XXXX XXXX : An explanation of how XXXX XXXX applies to my account and whether it affects my payment obligations. 

Social Security XXXX XXXX Offset : Information on whether my Social Security XXXX XXXX can be utilized to offset this debt. 

Please provide a detailed response to these inquiries at your earliest convenience. I can be reached via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX DC XXXX Sources
Product: Credit card or prepaid card

I am a cardholder of the Citibank double cash card. On XX/XX/XXXX of 2020, I was charged by my gym for my monthly membership covering the XXXX XXXX XXXX period in the amount of {$65.00}. The following week, my gym closed due to the coronavirus pandemic and subsequent Illinois stay at home order. As a result, the gym was unable to provide the agreed upon services. I had not attended the gym at any point prior to the closure due to virus concerns. I contacted the gym directly to reverse the charge with no response. 

On XX/XX/XXXX, I entered a dispute through Citibank ( XXXX ) on the basis of services not having been received and was issued a conditional credit in the amount of {$65.00}. Citibank claims to have emailed me requesting additional information on XX/XX/XXXX, however I did not receive an email at the address on file. I received a letter dated XX/XX/XXXX informing me that Citibank had reversed the conditional credit and closed its investigation after receiving additional information from the merchant. Citibank enclosed the evidence they used to deny my claim with their letter and demanded that I respond via mail if I would like to appeal the decision. 

Upon examination of the so called " evidence '', I immediately recognized that the information provided was not in any way related to my case! Citibank used membership contracts, gym usage information, and private agreements of OTHER citibank cardholders who belong to DIFFERENT gyms as the basis for denying my claim. I am now in possession of IDENTIFYING personal information of unrelated 3rd party consumers obtained from unrelated 3rd party merchant gyms ( addresses, phone numbers, names, ages, emails, etc ). The implication ( I would hope ) is that Citibank did not even care to review the information before sending it to me. At worst, it is a shocking example of fraudulent practices and a breach of consumer trust. 

I have contacted Citibank during normal operating hours and was connected to the dispute department. Citibank terminated the call before I had the opportunity to speak with someone. This behavior is unacceptable and must be resolved immediately.
Product: Debt collection

On or about XX/XX/2024 Spring Oaks Capital, who I NEVER did any business with, demanded money over a FAKE loan from XXXX XXXX. In point of fact I filed and FBI report showing XXXX as a FAKE account. Spring Oaks Capital says that is NOT good enough. They are crooks, loan sharks, whatever term you want. They are ruthless in trying to collect a debt that is NOT mine.
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 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

Below is my letter sent to them on XX/XX/XXXX. 
Multiple letters were mailed to them in the past year as stated below. 

Experian Information Solutions , Inc . 
Dispute Department po box XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Notice of Potential Civil Liability Under 15 U.S.C. 1681o To whom it may concern, I am writing to formally dispute inaccurate information contained in my credit report maintained by your agency. Despite my previous attempts to resolve these inaccuracies, the errors remain uncorrected, which I believe constitutes negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o.

The following items on my credit report are inaccurate and require immediate correction or deletion : Account Type : Credit Card Creditor Name : XXXX XXXX Reason for dispute : There are 2 late fees from XX/XX/XXXX and XX/XX/XXXX. My account balance is always current. The late fee report is inaccurate. 

Account Type : Credit Card Creditor Name : XXXX XXXX Reason for dispute : This account does not belong to me. 

Account Type : Auto Loan Hard Inquiries Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for dispute : The inquiries were made without my authorization I have previously disputed these items on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but your agency has failed to properly investigate or correct the inaccuracies. This failure to comply with your obligations under the FCRA has caused me significant harm, including but not limited to : Denial of credit or loans Higher interest rates on approved credit Emotional distress and damage to my reputation Under 15 U.S.C. 1681o, your agency may be held civilly liable for negligent non-compliance with the FCRA. I am requesting that you conduct a thorough reinvestigation of the disputed items and provide me with written confirmation of the results. If the inaccuracies are not corrected promptly, I reserve the right to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating legal action for damages.

Please send me an updated copy of my credit report reflecting the corrections, as well as documentation of the investigation process. I expect a response within 30 days, as required by the FCRA.

Thank you, [ Enclosure : Copy of ID, Proof of Address ]
Product: Money transfer, virtual currency, or money service

ON XX/XX/2021, THERE WERE MULTIPLE FRAUDULENT ACTIVITEIS ON MY CASH APP ACCOUNT THAT WERE NOT MADE OR AUTHORIZED BY ME.BY A XXXX XXXX FOR {$5.00}, A XXXX XXXX {$5.00}, XXXX XXXX {$3.00}. ALSO ON XXXX XXXXXXXX XXXX XXXX FOR {$6.00}. I HAD NEVER DONE TRANSACTIONS WITH HTESE INDIVIDUALS OR HAVE EVER MET THEM. DURING THIS TIME I WAS HOME AND HAD SENT MY DEVICE TO XXXX FOR REPAIR BUT THIS DEVICE IS PASSWORD PROTECTED. I CONTACTED CASH APP/SQUARE CASH INC INFORMING THEM OF THE ISSUE AND PROVIDED WHATEVER THEY REQUESTED AND ASKED FOR MY CASH APP CARD TO BE CLOSED AND A NEW ONE SENT TO ME. I ALSO PROVIDED EVERY INFORMATION THAT WAS ASKED BY THEM TO PROVE THESE TRANSACTIONS WERE NOT MADE BY ME AND THEY STILL REFUSED TO RESOLVE THE PROBLEM AND DECLINED REFUNDING MY MONEY OR PROVIDING ME WITH A NEW CARD. I HAVE CHANGED MY PIN SEVERAL TIMES AND ALWAYS MADE SURE MY ACCOUNT WAS SECURED. CASH SQUARE HAS NOT FOLLOWED CONSUMER PROTECTION GUIDELINES AS A COMPANY. THEY HAVE FAILED TO PROVIDE PROTECTION AND RUN THEIR BUSINESS AS THEY SHOULD. I KEEP GETTING MONEY TAKEN OUT OF MY CARD AND BANK ACCOUNTS AND I HAVE NO IDEA HOW TO STOP IT AND THEY STILL REFUSE TO HELP.
Product: Mortgage

The mortgage company filed the foreclosure in court and were unable to provide me an itemized statement of how much we owed. I filed a complaint at that time and they provided me an itemized statement that had bogus items on it like a line of credit and and loan set up fee and then XXXX XXXX tried to justify that list by saying you agreed to pay that back ... of course but that is not something that would be on an itemized list to pay back in order to cure a default and either would a line of credit. So, I called and pushed back on that list. It took you about 45 to 60 days to come up with a list that matched the default amount you had been quoting me. I told you that I had applied for assistance with XXXX even though you have said I did not. Of course they came back and said we were not behind on our property taxes because you have hired a third party in California to pay our property taxes and your attorney has arranged for her to receive our property tax bill of us and the county tax office says that even if we pay our taxes, she will too. We are going to get that stopped tomorrow but anyway, The balance of {$3800.00} that you have used to claim in court will cure the default and given us is an error as I told you before... and I am not referring to the fact that you did not follow regulations to assess force placed hazard insurance. As you will see, You state that on XXXX XXXX XXXX  property taxes were paid and the amount is {$520.00}. You have included the receipt for that payment as check no. XXXXXXXX and recorded that as the Spring installment. However, that is the Fall installment. You failed to include the Spring installment paid on XXXX XXXX XXXX  by credit card by your 3rd party vendor. I know, hard to believe that it is being paid that early. However, I have done some research and that it not uncommon for this company that randomly pays property taxes on Reverse mortgages. I can attach proof of this for you. Please get this straightened out with the trust attorney ( after you look into the insurance regs, please ) that had the numbers when we had our settlement conference in court and I told him I did not think they were correct but he insisted. I feel like things should be correct before you start foreclosure proceedings. I knew they were not and this is what I kept trying to tell everyone but NOBODY wanted to listen to me. BTW, your monthly statements can not be considered a borrower 's notice of anything. Many of the ones I received you can barely read because the printer was out of ink and they are the most difficult to read statements I have ever received. Clear as mud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Checking or savings account

I accidentally went out of my savings and checking account for chime. I pressed select help to call the company. The guy sent me personal texts with a link to access my phone through a quick support app where he was having put in other numbers for other accounts I have with XXXX XXXX XXXX XXXX and asked for numbers on other cards that my have credit on them. He accessed personal account info which I saw him get into through the app on my actual phone. He wanted specific days and times I get deposits. He keeps sending me personal messages to call him back to help me get into my chime account which I'm already into and he told me not to change my passwords or anything until I speak to him
Product: Debt collection

On XX/XX/XXXX, I was contacted without consent by stated company for an attempt to collect a debt not owed to stated company. 
In due to lack of consent I have been threatened under distress to pay stated amount without validation not verification of amount owed. Also in deception that stated company was legally allowed to collect such stated debt. 
I am requesting immediate action from stayed company as I have sent affidavits and invoices for caused injuries & damages. Due to me being a victim of identity theft, so be it ;
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I do now owe this company any money nor will I be paying for something I dont know they want too hurt my credit as well
Product: Bank account or service

XXXX XXXX OR XXXX ' XXXX, XXXX ( SON ), OPENED A RABOBANK N.A., XXXX XXXX, CA., ACCOUNT # XXXX, ON XXXX XXXX XXXX FOR HIS FATHER XXXX XXXX XXXX ' XXXX ( VICTIM ), [ ACCT. SSN/TIN XXXX. ] ; XXXX, PARTNER IN A 'FAMILY CONSTRUCTION BUSINESS : XXXX XXXX XXXX & XXXX '. THE SON WAS AN 'AUTHORIZED SIGNER ' ON VICTIM 'S ACCOUNT. JUST PRIOR TO THE SON PASSING ON XXXX/XXXX/XXXX, VICTIM THOUGHT THE SON 'S WIFE [ XXXX XXXX XXXX. ] ( SUBJECT ), TRICKED VICTIM INTO BELIEVING SHE WAS ADDED TO HIS ACCOUNT AS A 'TEMPORARY AUTHORIZED SIGNER ' TO MAKE THE CURRENT AND SUBSEQUENT MONTHS PAYROLL & INVOICES [ UNTIL SHE LEARNED THE ACCOUNTING PROCESS AT ANOTHER BANK OWNED BY THE SON. ]. IN FACT [ SUBJECT ADMITTED TO FORGING VICTIM 'S NAME SEVERAL TIMES. ], SUBJECT OPENED A NEW RABOBANK XXXX ACCOUNT # XXXX, ON XXXX/XXXX/XXXX - BY IDENTITY THEFT : NAMING HERSELF AS 'OWNER ' OF THE NEW ACCOUNT AND VICTIM AS AN 'AUTHORIZED SIGNER ' ; USING, VICTIMS SSN/TIN XXXX, AS THE NEW ACCOUNT TIN. WHILE SUBJECT DID MAKE PAYROLL ; SHE, WITHDREW {$70000.00} ON XXXX/XXXX/XXXX FROM THE XXXX ACCOUNT ; AND, {$61000.00} FROM THE XXXX ACCOUNT [ KEEP IN MIND, VICTIM WAS XXXX YEARS-AGED AND AT THE HOSPITAL AWAITING HIS SON 'S DEMISE. ]. SUBJECT, THEN WITHDREW {$31000.00} ON XXXX/XXXX/XXXX AND CLOSED THE ACCOUNT. THE BANK NEVER NOTIFIED VICTIM THAT HIS ACCOUNT HAD BEEN TAKEN OVER BY SUBJECT ; AND, HAD VICTIM SIGN A SIGNATURE CARD ON XXXX/XXXX/XXXX ; LEADING VICTIM TO BELIEVE SUBJECT WAS 'TEMPORARILY ' PUT ON HIS ACCOUNT AS AN 'AUTHORIZED SIGNER ' TO MAKE PAYROLL. FURTHER, SUBPOENAED BANK RECORD AFFIDAVIT DOES NOT SHOW SUBJECT AS THE OWNER OF ACCOUNT XXXX ; AND, THE BANK WANTONLY FAILED TO NOTIFY ADULT PROTECTIVE SERVICES [ AS MANDATED. ] OF REASONABLY SUSPECTED ELDER FINANCIAL ABUSE. UPON SEEKING REIMBURSEMENT, THE BANK HAS ASSERTED THE STATUTE OF LIMITATIONS. WE WOULD LIKE TO KNOW IF THE BANK HAS INSURANCE UPON WHICH A CLAIM CAN BE MADE. THE ONLY OTHER WAY TO OBTAIN VICTIM 'S MONEY IS BY AN EQUITABLE SUIT BROUGHT BY THE GOVERNMENT TO PROTECT A RIGHT [ AND SINCE VICTIM REPRESENTS AN ELDER CLASS NOT PROTECTED BY THE STATE - A PUBLIC RIGHT. ] ; AN, ACTION AS A PRIVATE ATTORNEY GENERAL IS NEEDED AS THE STATUTE OF LIMITATIONS OR DOCTRINE OF LATCHES DO NOT APPLY UNDER SUCH SUITS. CAN YOU REPRESENT OR HELP XXXX XXXX, NOW AGED XXXX RECOVER HIS LIFE 'S SAVINGS. I PRAY YOU CAN HELP CR. 

XXXX XXXX, ADVOCATE FOR XXXX XXXX XXXX, XXXX XXXX DETECTIVE AGENCY CA STATE LIC. NO. XXXX XXXX XXXXXXXXXXXX XXXX XXXX