23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Currently have a HAMP mortgage with Di-Tech Financial, LLC. ( Acct. # XXXX XXXX Di-Tech so far has only processed and paid {$1000.00} of the promised HAMP incentives of {$10000.00}. ( XXXX {$1000.00} payments and XXXX {$5000.00} payment on the XXXX Anniv..date of the HAMP modification. ( XXXX. XXXX ) I believe this is due in part to Di-Tech 's failure to timely submit the required documents to the US Dept. of the Treasury. 
XX/XX/XXXX, I received a letter from Di_tech informing me I needed to return the Dodd Frank Certification Letter to apply for the one time principal balance reduction of {$5000.00}. I uploaded the Form XXXX and a Quit claim deed from my Ex-Wife on XXXX XXXX, XXXX. Since the XXXX form required both buyer and co-buyer signatures. 
I then contacted Di-Tech Customer Service to inquire about the need for my Ex-Wife to sign the XXXX Form. At first, they stated they had all documentation that was needed. Later I called again after not receiving any confirmation. I was transferred to Di-Techs Loss Mitigation Admin. that told me they did not have the documents needed.. On XXXX XXXX, I uploaded my Final Judgement and Decree Of Divorce as proof my ex and I Divorced in XXXX. The {$5000.00} was supposed to be posted to my account in XXXX XXXX. I have called Di-Tech 's Customer Service many times and asked if they had enough Documentation to proceed and submit to the US Dept. of the Treasury. 

In my latest conversation with Di-Tech CS, I talked to XXXX XXXX from XXXX Fl. about the situation. She located all uploaded documents but did not know why they have n't been submitted to the proper agency for processing. She also explained that there where supposed to be XXXX ( XXXX ) {$1000.00} payments and the {$5000.00} payment as part of the HAMP incentives. .. According to my account payment History, only XXXX ( XXXX ) {$1000.00} payment was made on XXXX XXXX, XXXX. So ( XXXX ) {$1000.00} & the one time {$5000.00} payment remain to be paid. 
Please see the XXXX supporting documents that have been uploaded.
Product: Mortgage

I recently ran my credit report and was shocked to see adverse history related to our Caliber mortgage. I have never been late yet Caliber shows that our payment was late in XX/XX/2019. I called the entity who confirmed the problem was because my monthly escrow required payment increased and I had failed to adjust the monthly bill pay to account for that adjustment. The company then confirmed that they submitted my customer notification to the wrong address. Their mistake has had a negative impact to my credit score and Caliber refused to adjust on their end. 
Caliber 's unwillingness to correct their error is shocking and I am worried for other consumers who do not pay attention to their credit report. As a practicing XXXX, I take these matters seriously and hope the CFPB can put a stop to Caliber 's illogical ( and potentially illegal ) processes and procedures. 
In summary, I have paid my mortgage on time while Caliber failed to properly notify me of an insignificant increase to the property tax component of my monthly payment thereby reducing my credit score. 

Separately, it would be ideal if your organization could determine how many Americans have experienced an adverse impact to their credit scores due to Caliber 's unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 sections 604 A section 2 : it also states a consumer reporting agency can not furnish an 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry into my consumer report made by Carvana LLC on XX/XX/year>. This inquiry is a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : Unauthorized Access : According to 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ( i ), my consumer report was accessed without my permission or a legitimate purpose. I have not conducted any transactions with Carvana that would justify this inquiry. 

Improper Purpose Certification : Under 15 U.S.C. 1681b ( f ), any entity obtaining a consumer report must certify the purpose for which it was accessed. There is no evidence that Carvana complied with this requirement. 

Lack of Consumer Initiation : Pursuant to 15 U.S.C. 1681b ( c ) ( 3 ), inquiries connected to credit or insurance transactions must be initiated by the consumer. Since I did not initiate any such transaction, this inquiry is unjustified. 

Obtaining Information Under False Pretenses : As per 15 U.S.C. 1681n ( a ) and 1681q, knowingly obtaining consumer information under false pretenses carries serious consequences. This inquiry appears to fall under this category, as it was made without valid grounds. 

Liability for Willful Noncompliance : Under 15 U.S.C. 1681n ( a ), individuals or entities that intentionally fail to comply with FCRA regulations may be liable for damages. I am entitled to either actual damages incurred or statutory damages up to {$1000.00}. 

Given the violations outlined above, I request the immediate removal of the unauthorized inquiry from my consumer report : Inquiry Date : XX/XX/year>XXXX  Company : Carvana LLC In addition, I seek a settlement of {$1000.00} for the damages incurred as a result of this violation. Please provide payment via check, direct deposit, or XXXX to ensure prompt resolution.
Product: Student loan

In XX/XX/XXXX, I attended XXXX University after my mother signed up for my Student Loans. We learned of XXXX University through T.V ads that targeted low income XXXX and minority communities with false information about degree plans and rates of success with jobs. 

At this time in XX/XX/XXXX, I still remain in debt due to Student Loans provided to XXXX University, along with debt on my Student Account at XXXX University.
Product: Debt collection

Nationstar/ Mr. Cooper received a letter of accord and satisfaction and draft note for {$1000.00} which was deposited by XXXX XXXX XXXX XXXX XXXX XXXX Mr. Cooper 's bank provided record stating that no more account exists. This complaint will serve as a PUBLIC NOTICE of BREACH OF AGREEMENT with an opportunity to cure. 

That attached records show the note was deposited on XX/XX/year> forming an agreement. No correspondence was provided in dispute after 60 days for dispute XXXX UCC 3-311 ( c ). 

XXXX XXXX XXXX confirms that this account is closed and XXXX XXXX also confirms that as the Indentured Trustee that they are not the holder in due course. XXXX and XXXX both report that this account is closed but conflicting records are being provided to XXXX. There are several procedural irregularities and inaccurate financial records being shared.
Product: Checking or savings account

I have repeatedly asked Citibank to explain to me how I can avoid the monthly service fees they charge. I am constantly given different answers by each customer service representative who I speak with. I apparently had something a few months ago because I was not being charged a monthly service fee. However, the fee has become recurring again.
Product: Debt collection

In XXXX my wife and I took out a first lien heloc loan with XXXX XXXX and XXXX to pay off credit card debt. One of the 3 cards to be paid Discover now claims not to have been paid. 9 years later a debt collector XXXX XXXX XXXX is trying to collect on this debt which started out at {$9000.00} and has grown to {$24000.00} with a default judgment that should be vacated because it is part of a secure loan I have been paying XXXX for the last 10 years. A mn attorney general 's office rep from the consumer services division, XXXX XXXX, has asked XXXX XXXX and XXXX XXXX XXXX to honor the hud1a statement which they have been sent a copy of that clearly states they have been paid. Please help quickly as we can not afford to pay a {$500.00} a month mortgage payment, a {$500.00} a month loan payment, and having my check garnished 25 % a week totaling over a {$1000.00} a month. XXXX  seems to have no interest in helping resolve the issue as we have made several attempts to contact them with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation.
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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting or other personal consumer reports

recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

Dear Capital One, I am writing to you again in disbelief that Capital One would deny its legal status as a consumer reporting agency ( CRA ) under the Fair Credit Reporting Act ( FCRA ). At this point, your contrary claims can only be characterized as a willful disregard for the unambiguous language and decades of case law interpretation of the FCRA. 

Let me reiterate in full detail exactly how Capital One irrefutably qualifies as a CRA to avoid any possibility of further confusion or misrepresentation on your part : Under 15 U.S.C. 1681a ( f ), a CRA is defined as " any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. '' It is indisputable that Capital One furnishes consumer credit data, including payment history and account balance information, to XXXX, XXXX, and XXXX on a regular basis. Furnishing such consumer reports to credit bureaus is considered " engaging ... in the practice of assembling or evaluating consumer credit information ... for the purpose of furnishing consumer reports. '' XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 

Further, multiple circuit courts have affirmed that this definition of a CRA includes furnishers of information like XXXX. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX. XXXX ). 

To remove all doubt, the Federal Trade Commission 's ( FTC ) official commentary on the FCRA definition of a CRA explicitly states that furnishers of information, such as creditors, landlords, and employers, meet the definition : " they are CRAs and they must comply with all applicable requirements imposed by the FCRA and its implementing regulations. '' XXXX XXXX XXXX XXXX, XXXX. 

The inescapable truth is that by furnishing consumer data to XXXX, XXXX, and XXXX, XXXX XXXX in every sense " regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information... for the purpose of furnishing consumer reports '' and thus qualifies unequivocally as a CRA under 15 U.S.C. 1681a ( f ) with all attendant legal duties. 

To continue denying this legal reality exposes Capital One to serious liability, including potential FTC enforcement actions and class action lawsuits. I urge you again to acknowledge the facts and remedy your non-compliance without further delay. My detailed outline of the law leaves no room remaining for doubt or excuse. Please advise how you intend to properly address my dispute in accordance with your FCRA obligations as a CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, American Express, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX USPS Informed Delivery confirmation showing a US Bank Billing Statement/correspondence was sent by USPS delivery to XXXX XXXX. The statement/correspondence sent to XXXX XXXX directly references a debt for a mortgage/second mortgage, under account # XXXX ( see attachment # 1 USPS Informed Delivery confirmation of mail delivery on XX/XX/XXXX ). 

XX/XX/XXXX Qualified Written Request delivered on XXXX by USPS Priority Mail to US Bank National from XXXX XXXX specifically requesting validation of the mortgage debt referenced by the US Bank correspondence/statements being sent by USPS delivery to XXXX XXXX ( see attachment # 2 USPS confirmation of Priority Mail delivery ).

US Bank the servicer must acknowledge a request for information within five business days and respond within 30 business days. 
CFPB Defines a QWR : What is a Qualified Written Request ( QWR )? 
A Qualified Written Request, or QWR, is written correspondence that you or someone acting on your behalf can send to your mortgage servicer. Instead of a QWR, you can also send your servicer a Notice of Error or a Request for Information. 

BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1024 [ Docket No. CFPBXXXX XXXX XXXX XXXX Mortgage Servicing Rules under the Real Estate Settlement Procedures Act ( Regulation X ) AGENCY : Bureau of Consumer Financial Protection . ACTION : Final rule ; official interpretations. 
https : //files.consumerfinance.govXXXX Ths is a qualified written request for information under the Real Estate Settlement Procedures Act ( RESPA ). A section of RESPA, 12 U.S.C. 2605, provides a procedure and a remedy to obtain information from a loan servicer that fails to provide it under a more informal request Interactive Bureau Regulations 12 CFR Part 1024 ( Regulation X ) 1024.36 Requests for information. 

The Truth in Lending Act ( TILA ) protects you against inaccurate and unfair credit billing and credit card practices by requiring proper disclosure of key information to protect the consumer, as well the lender, in credit transactions. 

Fair Debt Collection Practices Act, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act. 
807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have failed to correct inaccuracies on my credit report despite multiple dispute attempts. I requested a re-investigation after their initial dispute closure, but the inaccuracies remain unresolved. 

This violates the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 1681i : The agencies failed to conduct a proper re-investigation of the disputed information.

2. FCRA Section 1681e ( b ) : The bureaus did not ensure the information reported is accurate or complete, violating their responsibility to report with maximum possible accuracy.

3. FCRA Section 1681i ( a ) ( 1 ) ( A ) : My dispute was closed without meaningful action or proper follow-up, breaching their legal obligation to address disputes adequately.

I demand immediate action to correct the inaccuracies on my credit report and ensure compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX Account Number : XXXX and also Account Name : XXXX XXXX XXXX Account Number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help
Product: Checking or savings account

Unauthorized Ach which resulted in non sufficient funds. Account was closed due to this
Product: Credit reporting or other personal consumer reports

This is my follow up complaint asserting my victim status regarding fraudulent activities, and I am disputing specific entries within my file stemming from this crime. The disputed items have no connection to any transactions involving goods, services, or funds made or authorized by me. I request the removal of these entries from my credit report, as they are inaccurately attributed to fraudulent activity : XXXX : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX BXXXX 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 XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. These items are unfamiliar to me, and their deletion by other bureaus raises questions about their accuracy. The reported history of these items remains unclear to me. As per the Fair Credit Reporting Act ( FCRA ) 605B ( c ) ( 1 ) ( C ), there is authority to decline or rescind such entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX  Balance : {$6600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX, CA  XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I am having problems with several Mobile Apps along with a series of unexplained charges and delays in proper credits to my American Express Serve Card. My current issues with American Express starts with a review ( hold ) on a {$63.00} credit from XXXX, instead of letting it credit back to my account Amex has it under review. The next issue is a series of XXXX rides on XX/XX/XXXX. I booked a ride for {$7.00} to XXXX XXXX, I waited 2 hours that driver never showed up. The next two rides from XXXX were approved The first ride was for {$15.00} ... XXXX credited the no show ride of {$7.00} to this ride and charged {$7.00} to cover my 2nd ride for a total of {$15.00}. That would be $ XXXX minus {$7.00} that had already been paid from my no-show ride. My 3rd ride from XXXX on XX/XX/XXXX was for {$15.00} there was sufficient balance for this charge. This morning my account is - {$7.00} I have been on the phone in queue over an hour with Amex and can't get sufficient assistance. 

I briefly ( after a long wait ) spoke to an Amex Representative that identified herself as XXXX ... when I requested an explanation of why my account was - {$7.00} in my main account and also an explanation of delays with multiple credits due my account. I was given notice my fees for XXXX were waived yet {$23.00} in fees are showing charged to my account. XXXX transferred me to another Department ... I was alsoI given a number to call incase the transfer from XXXX was disconnected XXXX ( XXXX ) XXXX ... I stayed in queue about an hour when XXXX transferred me and I then tried calling directly without a Representative answering the phone after waiting over 35 minutes. 

I have a pending charge from XXXX on my Amex for a canceled food order of {$25.00} from XX/XX/XXXX. My order only cost {$25.00} and XXXX allegedly refunded these charges on that same date. Right now more than I approved for this canceled order is still pending on my Amex account {$25.00} and additionally smaller charges at XXXX each. 

I am desperately looking for safe banking options so that I can change from American Express. I am owed credits of approx {$100.00} to my account that are just floating around in Cyber Space. Please imagine my surprise being due money and having an unexplained- {$7.00} ( negative ) balance on my account this morning.