23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On Friday, XX/XX/XXXX, I emailed my mortgagor ( GMFS ) because, without written notification, escrow analysis or warning, I was told verbally over the phone that my mortgage was increasing by $ XXXX  month. 

Five days later, I still hadn't received a response. I resubmitted my question, and received an email from GMFS telling me to call the servicer, who I had already had spoken with over the phone, and who couldn't provide me with any additional information as to the increased mortgage amount. My mortgage is now due in one week, and I still haven't received updated information or an escrow analysis. 

I've included the contents of the email in its entirety below. 


On Fri, XX/XX/2018 at XXXXXXXX XXXX, XXXX XXXX XXXX wrote to XXXX : Yesterday I received a call from a representative who said he was from GMFS. 
It turned out that he was actually employed with XXXX XXXX XXXX. 

During our call, which was to notify me of a change in servicers, the representative mentioned that my next payment should be made to their company, and listed an amount that is {$500.00} above what I am currently paying ( and which is due in less than two weeks ).

1 ) Please send me an escrow analysis immediately.

2 ) Please provide for me in writing information as to whether GMFS is affiliated with XXXX XXXX XXXX, beyond the contractual agreement of servicer and mortgagor. 
3 ) Finally, if the updated loan statement amount shared by the representative during our call is accurate, I want to apprise you that I plan to file a complaint with the CFPB. This payment is less than two weeks out from due, and I have yet to receive a loan statement, escrow analysis, or any other information providing me with adequate notification of a pending significant increase, or the nature of the increase.

I realize that Federal law bars late fees during the 60 day period following the effective date of transfer, but the complete lack of notification of such an increase is inexcusable and creates significant hardship on the homeowners that GMFS serves. 

Best, XXXX XXXX Loan Number : XXXX
Product: Credit reporting or other personal consumer reports

Im requesting your assistance with the incorrect account reflected on my credit report. It has damaged my reputation, and I need you to help fix this situation. Your incorrect reporting has caused me considerable distress, and you need to clear this inaccurate information from my record
Product: Debt collection

I accepted a contract for removal and installation of insulation in my residence XX/XX/XXXX with work to be performed XXXX XXXX removal of old insulation, XXXX XXXX company representative inspection of the removal and property before installing new insulation ; No one came to inspect the work before the installation ; I have tried repeated in writing and calling to ask that a representative come to fulfil the contract and ensure my investment is covered ; XXXX XXXX XXXX finished the installation. However, when my annual maintenance of HVAC equipment was performed ; insulation had been sprayed over everything including the HVAC, heating equipment ; and after repeatedly calling about this incident ; the company still refuse to send a representative to inspect the work. I was sent collection notice for immediate payment with an extra {$2300.00} fee tacked on to the {$6500.00} due with no interest in XXXX year ; with no intent to send a representative inspect the work performed and ensure that my equipment is covered from any future damage by spraying insulation on my HVAC equipment and that I have no rodent infestation and proper insulation. That is all I have been asking for based on the contractual obligation. A of XXXX XX/XX/XXXX, no one from the company, regional managers, district managers ; will respond or take action.
Product: Debt collection

A recent pull of my credit report inform me that I had a collection account on my credit file. Radius Global Solutions did not contact me and they are in direct violations of my FCPA rights and the Consumer Protection for Medical Debt Collection ACT. The latter states that no medical bill should be reported if less than 2 years or under XXXX dollars. The account was opened on XX/XX/2022 making it less than 2years old. Also a consumer has 30 days to validate a debt, by not receiving any notice the company violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Recovery Systems called to collect a debt. I verified to make sure the mark would be removed from my credit report seeing I was trying to fix my credit score. They agreed it would be removed so I paid the amount asked for. Why would I ever pay money to keep it on my report? I verified it would be removed before paying anything and now they say they dont delete items.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated or deleted. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im receiving letter of a debt from portfolio recovery, i dont know who this people are they are saying that they are on behalf of XXXX XXXX XXXX and i have never had an account with this people and i have no idea how they always get my new information plus they always threating me saying that i will get into trouble if i dont pay and they asking me personal question like my social my date of birthday my address and what kind of car i drive. Im a little freak out. I dont own any money to this people and i want them remove from my credit report.
Product: Debt collection

I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, Credit Report, etc. The accounts are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my husband 's business experiencing a loss because of Covid, I fell behind on my Target Bill. I contacted them in XXXX, and they provided me a Covid hardship payment plan which closed my account and I would continuing posing the balance each month. Every month XXXX and XXXX have reported the account closed. However, XXXX has reported inaccurate information. I have spoken to both parties and submitted disputes. They will not correct the infraction.
Product: Checking or savings account

This is my 2nd Consumer Protection Bureau complaint against Chase for the same matter. I opened a Chase Savings account and funded the account with XXXX for 90 days. I was due {$600.00} XX/XX/XXXX and it is now XX/XX/XXXX without funding. One representative told me I'd be funded XX/XX/XXXX another XX/XX/XXXX and still nothing. Different answers, promises and never happens. Horrible banking experience as usual with Chase
Product: Credit reporting or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXXXX
Product: Debt collection

OnXX/XX/XXXXI spoke with American Express about the debt in question. I let them know I was going through financial hardship and wanted to setup a payment plan. I was told about the details of the payment plan and the amount necessary to begin it. I did not have the full amount of money available at that time, and told them I would contact them no later than XX/XX/XXXX to setup the payment. They told me that was fine and that the looked forward to hearing back from me.

Next, I received a phone call on MondayXX/XX/XXXX from XXXX who said she was representing XXXX at XXXX telling me that she was contacting me about a debt and to call her back at ext. XXXX. On WednesdayXX/XX/XXXX my brother called me informing me that someone from XXXX called him about me. I did not have time within those 48 hours to contact them back and did so today.

I asked to speak directly to XXXX who spoke to me originally and was told she was unavailable. At that point, I asked to speak to a supervisor and XXXX XXXX ( sp ) came on the phone. I informed XXXX about my contact with American Express regarding the payment plan to which he told me that was past the due date. Additionally, I requested that XXXX no longer contact family members about this debt since they had my direct contact information. He asked for the phone number I wanted not to be called to which I did not want to disclose. At that point, he asked for the number best to reach me while cutting me off on the phone. When I requested that he be respectful to me as I was to him, his response was to tell me to call them back when I'd like to speak about the debt. I did not have time to give him my phone number as he continued to cut me off. At this point in time, I asked to speak to his manager. He forwarded me to someone's voicemail.

Additionally, I asked for him to send me a validation of the debt in writing. He did not acknowledge this request.I do not know if this debt is valid and could not get them to agree to cease contacting family members when they had valid contact information for me.

I do have a recording of this conversation and let XXXX know before starting the conversation that he was being recorded.
Product: Credit reporting

There are accounts in my credit file that do not belong to me and Trans Union is ignoring my requests to investigate and remove them from my credit file.
Product: Student loan

Naviant took my tax return this year and I never got a letter stating I was in default. Nor did I get a phone call. I called and they told me I 've been in default for 3 years yet this was the first they took my refund. I live at same address have same phone number and they claimed on XXXX XXXX I told them not to call. I did n't even get a phone call! They lie and make up stuff i asked the kid if he could get the recording of " my voice " and he said he could n't. They 're a huge scam and I 'm behind in rent they took all my back pay that I owe to my landlord and I 'm going to be evicted with my XXXX year old son.
Product: Money transfer, virtual currency, or money service

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

I have no negative information list on XXXX according to a report sent by them. However, they are providing negative information to Banks and Credit Unions that is affecting me being able to open and account. They refuse to respond to my inquires and demands to fix this.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle 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 Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit and the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

To Whom It May Concern, This letter is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 
1692g, for validation and verification of the debt referenced above. I hereby demand that you immediately cease all collection activities until you provide me with proper validation of this debt. I dispute this debt in full and require the following information within 30 days : 1. 2. The original signed agreement or contract that legally binds me to this debt.

A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges. 
3. Copies of all account statements from the original creditor proving the balance you claim I owe.

4. A full accounting of all payments made, including dates, amounts, and how those payments were applied. 
5. 6. 7. 8. The name and contact information of the original creditor.

Proof that the debt is still within the statute of limitations.

Proof that you are licensed to collect debt in my state.

A copy of the assignment or transfer of debt from the original creditor, with proof of the chain of custody if this debt was sold. 
9. The date of the original debt and when it became delinquent.

10. Proof that this debt has not been discharged in bankruptcy.

11. The original creditor 's explanation of why this debt is owed.

12. A copy of the last bill sent by the original creditor showing the exact amount.

13. Documentation verifying that I am the correct person responsible for this debt.

14. Proof that you or your company is legally authorized to collect this debt in my state.

15. A complete history of the debt from its origination to the present day, including any additional charges and adjustments. 
If you are unable to provide these items, this will be considered a failure to validate the debt, and I expect you to cease all collection activities and remove any negative information from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 
Additionally, I reserve the right to pursue legal action for any further harassment or violation of my rights. 
I look forward to receiving your prompt response within the required 30 days. Please be advised that failure to validate this debt in full will result in my demand for its immediate removal from my credit report and cessation of all collection efforts.
Product: Bank account or service

In XXXX XXXX I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$800.00} ) after meeting certain criteria, such as depositing money and using a bill-pay feature of their account. I confirmed my eligibility for this promotion via phone with a Citi customer service representative in XX/XX/XXXX. Subsequently, I met the aforementioned criteria, a fact I confirmed with a Citi representative via their customer service chat, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. As of the current time I have recieved NO points or other opening bonus, as promised, and Citi now states that I " did not qualify '' for the bonus. 

Seeing as I had previously confirmed this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. Despite several emails and " internal investigations '' on Citi 's part, they have suddenly decided and maintained that I do n't qualify unless I can find a postcard from 5 months ago showing the offer. This was a need that was never previously mentioned upon confirming eligibility or completion of requirements. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. 

Now I have {$60.00} of fees and I will not be getting {$800.00} worth of Thank You points. I 'm not alone. Many people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for, and they end their misleading marketing practices - I never would have applied for this premium account, otherwise. 

Thank you
Product: Checking or savings account

Chime limited my account for a reason they have not made clear I have over XXXX $ in the account they placed a limit that I can only spend XXXX $ a day and withdrawal XXXX $ a day from ATM I just want to get my money out and move to another bank but they wont let me they keep talking me theyve fixed the issue but it never gets fixed they have stolen my money and its locked up the only option I have is to withdrawal XXXX $ a day till I get my thousands of dollars out.
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. 

XXXX ( Original Creditor : 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 a account without my written instructions 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 to cause to believe that the information is inaccurate.
Product: Debt collection

I recently applied for a mortgage and I was told that a judgement was filed under my name for a XXXX account that was opened under my name in 2015. I have never had a XXXX account in my life. Someone must be using my information.
Product: Credit card

I applied Chase Sapphire Reserve credit card in XXXX 2016. As the benefit of this application, I should get XXXX credits for travel expense. So I used this credit card to book XXXX night stay in the vacation condo XXXX in XXXX XXXX, Texas in XXXX 2016. But I did n't receive the travel credit. So I called Chase twice and their representatives said this XXXX is classified as real estate agent in their system so my reservation is not qualified for the XXXX travel credit. 

But as a customer, how can I know which category this vacation rental belongs to in Chase 's system? I do n't think it is my responsibility to verify company property. I used this card to pay travel expense, and I think it is not acceptable that I can not get the benefit I should get. Does this mean in the future if I use this card to book any vacation rental house, I have to verify with Chase before I make the reservation to get the travel credit? Or each time they can use the same reason to refuse to give the travel credit to other customers? If vacation rentals have different categories in Chase 's system, should it be Chase 's responsibility to give each customer a list to let us know which vacation rentals are qualified for the travel credits? I felt I was cheated by Chase since the annual fee for this card is {$450.00}, but Chase did n't provide the corresponding service. 

So I fill this complain and wish CFPB can help me get an acceptable answer from Chase. Thank you very much!
Product: Credit reporting or other personal consumer reports

{$180.00} XXXX XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$300.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may improve your credit score.

Payment Information Payment Status Collection/Chargeoff Past Due Amount {$180.00} Highest Balance XXXX XXXX XXXXonthly Payment $ XXXX  Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX VALIDATION LETTER [ INSERT DATE ] [ INSERT YOUR NAME, AND ADDRESS DETAILS ] [ INSERT COLLECTION AGENCY NAME, AND ADDRESS ] RE : Validation for Account No. [ ACCOUNT NUMBER ] To Whom it May Concern, This letter is in response to your contact [ CONTACT METHOD ] on [ CONTACT DATE ] at [ CONTACT TIME ] about the alleged [ DEBT TYPE ] you have identified. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you.

Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. [ INSERT ALL THAT APPLY ] [ Creditor 's Name and Full Address ] [ Name of Debtor of Record ) [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within State 's applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine.
Product: Debt collection

I have been disputing this very old debt on my credit multiple times. They have not provided any proof of the debt or a copy of the contract or deficiency balance to determine the account is reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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.