23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

360 Mort gage is acting in bad faith in connection with a real estate transaction and acting as a foreclosure mill in refusing to adhere to standard real estate practices. At issue is borrower is looking to avoid foreclosure and has had an offer to sell their proper ty. 360  Mortgage has advised that the offer is too low based on their appraisal which is almost 6 months old. We have contacted the investor who has advised they are opening and working on a value dispute and that dispute should be completed by the end of the month to determine the value of the property.  360 Mortga ge was made aware that investor has opened a value dispute but has determined on their own to take the property to foreclosure sale prior to the value dispute being completed. This is completely unethical and acting in bad faith while parties are in the process  of negotiating a real estate transaction. Additionally 360 Mortgage 's appraisal is set to expire in approximately 2 to 3 weeks at which time they will be required to order a new value. 360 Mor tgage would rather foreclose on the borrower than to comply with standard real estate rules and regs when negotiating offers. This is unacceptable.
Product: Credit card or prepaid card

My name is XXXX XXXX and I reported a fraud charge of {$500.00} with my Citi Thank You Preferred card. Looks like some one used my card at the XXXX XXXX branch or ATM for cash advance. At first I was told by Citi bank that they are going to give me credit back but recently they reverse the charge without any resolving letter sending to me. I have never in my life use a credit card for cash advances. 
I want Citi bank to provide me the proof of their investigations. I want them to resolve this issue as soon as possible as I am not willing to pay a penny toward this transaction.
Product: Student loan

NAVIENT raised my payment and its too high. I signed up for Income Dependent Repayment, and the raised my payment amount. Also they claim there are unpaid fees, that I was n't aware of. Because they never told me about any fees. Also the loans originated at XXXX, NAVIENT has all personal information, they got, it, with out my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  XXXX # XXXX & XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  keeps adding fraud alert asked them to keep. it off inquires that are not mine XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX mort
Product: Credit reporting or other personal consumer reports

To Whom lt May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation underthe Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 6 criticalfindings tied to my identity within the breach. This aceount andlor inquiries were made without my knowledge or consent. Under the FCRA ( S 6058 ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code $ { 681c- { ( protection of personally identifiable information ) and 15 U.S. Code $ f 68 { e ( b } ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit card

I was making on time payments, and the credit company ( Navy Federal ) was reporting late payments, even though my statements were paid on time. I contacted Navy Federal with five certified letters, stating that they were reporting my account wrong on the XXXX major credit bureaus, and how they were in violation of the fcra, and the Fair Debt Collection Practices Act. There has n't been any replies, so I continued to send letters, stating that they are violating federal law. To this day, XX/XX/XXXX, Navy Federal Has not marked my account disputed, or responded to my certified letters.So now the account is delinquent, and they still have n't marked the account disputed. I get the XXXX credit reports, from the XXXX website.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and pointed out the precise inaccuracies, and you still failed to fix the inaccuracies. So, now after asking you to fix the inaccurate and fraudulent data on my credit report 3 times, it is still showing up inaccurately. You are showing that this account was 120 days late in both XXXX and XX/XX/XXXX and that is what I pointed out before ... and this is inaccurate. Also, it is different date for those months than what XXXX is showing for this account. According the Fair Credit Reporting Act, all credit bureaus must report the same information or it is deemed innacurate, which is predatory and illegal. I have attached documentation of Experians reporting. Due to the fact you still haven't fixed this after asking you 3 times, I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Mortgage

Citizens bank continues to offer NO option beyond demanding a balloon payment after 5 months forbearance ; those of us who own small businesses certainly haven't had normal revenue these five months. Asked to merely tack on three months to loan duration in order to stay current ; bank offers nothing but a balloon payment. Customer service is useless ; they are just parrots to repeat prepared statements. 

During this process, they erroneously reported me as deliquent, in violation of the CARES act, costing my credit score 120 pts ; XXXX XXXX, who I had been " working with '', quit the bank. XXXX XXXX, who fixed the credit report, has not replied to my messages in weeks. 

My last call XXXX XXXX I was supposed to hear back from the REFI dept about the " REFI OPTION '' .... never heard back. Called today XXXX, customer service Parrot fed me the usual XXXX, and claimed a " supervisor would call me '', which hasn't happened. 

My forebarance is almost up, and I am running out of options. 

My mortgage is {$3600.00} mth ; in forbearance currently since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Florida Department of Revenue is reporting two closed accounts on my Transunion credit report, one closed account on my XXXX  credit report and two closed accounts on my XXXX  credit file. These accounts are inaccurate, reporting inaccurate balances and inaccurate case statuses. I have made contact with Florida Department of Revenue on many occasions to request that this information is corrected. I have also disputed this information through the credit reporting agencies with no resolution only a return of information verified, but with no documentation provided to confirm the accuracy of the information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : OFFICE OF THE ATTY GEN # XXXX Account name : XXXX REWARDS # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. The company has used deceptive tactics by way of there Attorney acting debt collector XXXX XXXX XXXX XXXX ( XXXX ) and the company itself by sending me a identify theft from to fill out which I already told them I don't remember are recall this debt. I was a victim of Identity theft and filed a report with the Federal Trade Commission for my own protection I am not sure what was comprised on my credit file and identity. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Product: Checking or savings account

XXXX Received check in mail from US Treasury for FED STUDENT LOAN REFUND check number : XXXX ( see attached ) XXXX Deposited check into checking account via truist bank mobile app XXXX Received e-mail from truist bank notifying me that a hold was placed on the check ( see attached ) stated reason, we have confidential information that indicates the check may be returned and may require an additional review. 

XXXX Checking account frozen by truist bank for all incoming and outgoing transactions XXXX received e-mail from truist bank notifying me that a hold was place on the check ( see attached ) stated reason, some information on the check is inconsistent with other information on the check. 

XXXX Spoke in person at my local truist bank with manager XXXX XXXX ( branch leader II assistant vice president ). I provided him with a photocopy of the check and was told he would, look into it and he would also submit a request for information from truist bank fraud department. He stated he would, keep in touch with me. 

XXXX I contacted XXXX who is my student loan servicer. They verified that the check was a legitimate check from US Treasury. 

XXXX XXXX XXXX XXXX XXXX had not contacted me so I went back to the branch to speak in person to let him know I received confirmation from XXXX that the check was legitimate. He informed me that I could not speak to the fraud department and he needed to act as intermediary. He told me that according to truist bank fraud department, US Treasury has flagged the check as fictitious and that I would need to contact US Treasury. 

XXXX I ran the check number through US Treasury Treasury Check Verification System ( TCVS ). The results were, Check verified Status : Paid ( see attached ). 

XXXX I talked to XXXX to receive verification in writing confirming the legitimacy of the check. They began the process of mailing that information to me. I have not received this information yet. 

XXXX XXXX I made several unsuccessful attempts to contact US Treasury via phone and e-mail. 

XXXX I had e-mail communication with US Treasury OIG which confirmed that the check was legitimate, that US Treasury had no claims on the check and that US Treasury confirms the check status was paid on XXXX. XXXX XXXX : XXXX ( see attached ). 

XXXX I returned to my truist bank branch to speak with XXXX XXXX and provide him with the updated information. He spoke with the fraud department again and informed me that NOW their fraud department is claiming that US Treasury HAS NOT flagged the check as fictious. He stated that he needed to investigate further with other departments and that he would, keep in touch with me. To this point I have received further communication with XXXX XXXX.
Product: Debt collection

Comenity Bank has called me 12 times. I have repeatedly told them i am not the person they are looking for they want to speak to a XXXX. They have said they will take my number out of the file, but keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my Experian credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Experian has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
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 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A. 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Mortgage

Flagstar Bank XXXX XXXX XXXX XXXX XXXX Michigan XXXX took over our FHA Loan. We were sent a 30 day notice that our mortgage increased to about {$700.00} above what we had been paying since our purchase in 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have requested verification from XXXX XXXX for an account they sent to collections they can not validate account or anything signed with my sig stating account is mine acct was sent to midland funding and they will not remove accout after they failed to vailidate accounts
Product: Money transfer, virtual currency, or money service

Cash app cancelled my account and wouldnt send me the money I had on file
Product: Credit reporting, credit repair services, or other personal consumer reports

The item currently in dispute is a  XXXX  that was issued in my name without my knowledge by  XXXX . The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my  credit score  report from Experian, it stated that this account is scheduled to continue on record until  XX/XX/XXXX . I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with  XXXX  requesting them to remove my name from this account because the card was never received, activated or used by me. In  XX/XX/XXXX , I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on  XX/XX/XXXX , as a follow up from my phone conversations with their representatives that took place on Friday afternoon,  XX/XX/XXXX  and Monday morning,  XX/XX/XXXX . The purpose of the phone calls and letter was to continue my dispute of the fraudulent  XXXX  and to advise them that the information from their investigation is inaccurate. I am requesting that  XXXX , or its affiliate agency,  XXXX   XXXX   XXXX , or collection agency,  XXXX , remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, m y credit score was  excellent.
Product: Credit card

On XXXX XX/XX/XXXX, my estranged husband file for XXXX  XXXX bankruptcy. One of the debts he listed on his bankruptcy application was a master card account that my estranged husband and I were joint credit card holders. 

On or about XXXX XX/XX/XXXX, I received a telephone call from a lady from the XXXX XXXX XXXX ( XXXX ) XXXX XXXX Bankruptcy department demanding payment. She spoke in a rude and very abrasive tone of voice demanding payment. 

She went on to say that just because my husband filed for bankruptcy that I am still liable to pay the credit card bill and that I need to make an immediate payment. I made a payment that day and subsequently set up an automatic payment from my checking account for {$36.00} to pay the credit card bill every month. 

On or about XX/XX/XXXX, the XXXX Florida Bankruptcy court notified RBFCU Mastercard bankruptcy department to file any claims they may have by submitting Proof of Claims due to the Bankruptcy XXXX by XX/XX/XXXX. 

On or about XX/XX/XXXX, Randolph Brooks FCU Mastercard bankruptcy department submitted their Proof of Claim for {$1700.00} for the joint credit card account to the XXXX XXXX  Bankruptcy XXXX. Note : as of XXXX XX/XX/XXXX, {$1700.00} was the joint credit card account balance. 

On or about XX/XX/XXXX, the XXXX XXXX  bankruptcy court sent Randolph Brooks FCU Mastercard bankruptcy department check # XXXX for {$1800.00} ( {$1700.00} payment in full for the joint credit card account claim and {$2.00} interest ). 

Sometime in XX/XX/XXXX, it appeared on my credit reports that the original credit card account number was changed to a new XXXX credit card account number with the balanced transferred to the new credit card account and it stated that the account was closed by grantor with an open balance of {$1100.00}. 

Unbeknown to me that the bankruptcy court had paid the claim in full and that RBFCU had transferred the balance to a new account and was still taking payment from my checking account.

I recently found out that the Bankruptcy court had paid RBFCU the claim in full plus interest ( {$1800.00} ), On XXXX XX/XX/XXXX, I emailed RBFCU requesting to be reimburse the overpayment of $ XXXXand to correct my credit reports and to stop taking payment from my checking account. 

On XXXX XX/XX/XXXX, RBFCU responded back to my complaint, but they only reimbursed me {$250.00}. That means RBFCU collected a total of {$230000.00} for a claim they submitted for only {$1700.00} ( my payments of {$820.00} and the Bankruptcy court payment of {$1800.00} ). I strongly believe this is fraud and I should be reimbursed the total overpayment of {$820.00} and not just {$250.00}. 

In summary, as of XXXX XX/XX/XXXX, the balance due was {$1700.00} and RBFCU MC submitted a claim of {$1700.00} to the bankruptcy court in which they were paid the claim amount plus interest ( {$1800.00} plus my payments of {$820.00} ). I should be reimbursed the difference and RBFCU should not be allowed to pocket the over payment.
Product: Bank account or service

I am being charged excessive fees by this bank. I even made a deposit to cover the deficit that the fees caused and it was not until I was away from the bank that I discovered the teller moved money into the wrong account despite having the assistance of a branch manager. Because she did that and the deficit remained, I got charged more fees, none of which were fixed. I am being charges hundreds of dollars a month in fees and I only make {$14000.00} a year. I went into the XXXX Citibank next to my work and I was basically told to make more money. I check my account on a daily basis and these fees are coming out of nowhere.