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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Subject : Dispute of Accounts Due to Data Breach Dear Sir/Madam, I am writing to formally dispute certain accounts listed on my credit report as a result of a data breach that has impacted my personal and financial information. I believe these accounts XXXX be fraudulent or were opened without my authorization. Please consider this letter a formal request to investigate and remove these accounts from my credit report as soon as possible. 
The accounts in question are : XXXX. 
Account Name/Company : XXXXXXXX XXXX Account Number : XXXX XXXX. 
Date Opened : XX/XX/XXXX XXXX. 
Account Name/Company : XXXX XXXX XXXX 
Account XXXX : XXXX Date Opened : XX/XX/XXXX ( Include any other accounts you wish to dispute in the same format. ) Please find attached copies of any relevant documents that support my claim, including a copy of my notification regarding the data breach. 
I request that you investigate these matters thoroughly and remove any fraudulent or unauthorized accounts from my credit report. In accordance with the Fair Credit Reporting Act, I expect a response within 30 days, and I request that you notify me of the results of your investigation. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. Specifically, Section 1681i mandates that you investigate disputed information and correct any inaccuracies within 30 days. Additionally,
Product: Checking or savings account

I applied for and opened a free checking account with TCF bank on XXXX/XXXX/XXXX, as I was browsing for a new bank and thought to give them a try. I funded my account with a {$500.00} transfer from my existing XXXX checking account on XXXX/XXXX/XXXX. A member of XXXX 's loss prevention team called TCF to verify my account with TCF was in fact controlled by me when I initiated the transfer, and then TCF inexplicably closed my account the same day ( see attached ). 

I contacted their customer care account on twitter, @ TCFCares, and spoke to a man named XXXX. He gave me his phone number as well XXXX XXXX XXXX XXXX ext XXXX ), and we spoke. He explained that XXXX needed to call TCF again to verify my account was not fraudulent, and so I called the XXXX, IL XXXX branch. 

I spoke to XXXX XXXX, who is a XXXX XXXX at that location, and she called TCF and explained that yes, my account is legitimate and that the transfer for {$500.00} was in fact initiated by me. I verified my identity with her by going into the branch with my identity documents ( photo ID and a Chase credit card of mine ), and also verified the account at TCF was mine by bringing in the documents I 'd received from TCF in the mail. 

After this, TCF insisted that I had to actually come into a branch with my identity documents to verify who I was with them. I tried to explain that I live XXXX miles away from the closest branch in XXXX, IL, but XXXX said there was no other way. So, I drove to the branch with my identity documents ( SSN card, photo ID, recent utility bill ) and the XXXX ( XXXX, business card attached XXXX told me that she had submitted my paperwork to the 'back office ' but that I would have to wait XXXX business days for a response. I was logging in to the TCF online banking website every day thinking I 'd get a message there or just see that my account was now 'Open ', but I never heard anything. 

By the XXXX business day, I contacted XXXX again and explained that I had n't received an update. He contacted the management at the XXXX location I 'd visited XXXX branch XXXX XXXX XXXX, business card attached ) and then told me that they said because my account was still closed, there was nothing they could do and that I would have to come into the branch again in order to withdraw my funds. I again drove XXXX miles each way to make my withdrawal and close the account, and XXXX informed me that my account was listed under 'Hot file ', which indicated it was still considered fraudulent. 

XXXX verified with XXXX XXXX that XXXX had contacted him earlier in the day about my situation and that I should be allowed to withdraw my funds with my photo ID and just XXXX of the documents I 'd received from TCF, provided me my funds, and closed my account permanently.
Product: Debt collection

I was lied to by JG Wentworth about debt settlement. They mask it as I was given misinformation about the debt settlement. I was supposed to have debt settled withing4-6 months and be clear in a year while paying down the program through them for 48 months. 

The reality is that I will be dealing with settlements for the next 3.5 YEARS!!! I would have never signed up for this scam if I knew that up front. 

Here is the email from them apologizing for " misinformation '' that has me completely ruined financially. 

Good afternoon, I do apologize for the misinformation you were given. It is 4 to 6 months, to get the first settlement. We were able to settle XXXX XXXX quickly because they dont require a delinquency period. The other ones do. Keep in mind, settlement eligibility varies depending on the creditor, account delinquency, the balances of your Enrolled Accounts and the amount youre contributing into the Program.

As we reach settlement with one of your creditors and begin making payments, it is expected with this program to need some time for funds to rebuild in your Dedicated Savings Account to negotiate your next settlement.

Our objective is to negotiate mutually agreeable resolutions between you and each of your creditors for the resolution of your unsecured debts. Our two part resolution process consists of ( 1 ) negotiating a lesser amount owed on the debt with a creditor ( 2 ) negotiating a term payment arrangement. Although terms vary per creditor, many will grant us a 12 or 24 month pay off arrangement. 



So, before we can present an offer, we must ensure that there is enough funds available in your dedicated savings account to cover the outgoing settlement payments owed to a creditor in the time allotted, in addition to our fee collection. 



If it is ever feasible, additional program deposits are encouraged, but not required. Additional funding in your dedicated savings account will help accelerate new settlements. 



If you have any additional questions, you can contact Client Services at XXXX. 

Thanks, XXXX XXXX. 

Client Services Debt Resolution The J.G. Wentworth Company XXXX XXXX XXXX, XXXX, PA XXXX P : ( XXXX ) XXXX F : ( XXXX ) XXXX www.jgwentworth.com
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C Sextion 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 items of information, other than records of convictions of crime 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: Mortgage

I am writing to formally lodge a complaint against Roundpoint Mortgage Servicing LLC regarding their handling of my mortgage loan ( XXXX XXXXXXXX XXXX XXXX  ). I believe that they have engaged in practices that violate several federal and state laws, including the Real Estate Settlement Procedures Act ( RESPA ), the Fair Debt Collection Practices Act ( FDCPA ), and Florida state laws, among others. 

Summary of Issues : 1. Failure to Provide Accurate and Timely Information : Roundpoint Mortgage Servicing LLC has failed to provide me with an accurate and timely reinstatement quote despite multiple requests. This failure has caused significant confusion and stress and may indicate a violation of RESPA Section 6.

2. Misapplication of Payments : Payments I made have not been correctly applied to my account, resulting in incorrect balances, improper fees, and a negative escrow balance. This misapplication of payments is a clear violation of both RESPA and the Truth in Lending Act ( TILA ).

3. Inaccurate Escrow Management : My escrow account has been mishandled, with funds going missing, improper charges being applied, and demands for additional payments without proper justification. Roundpoint Mortgage Servicing LLCs actions appear to violate RESPAs requirements for proper escrow handling.

4. Harassing and Misleading Communication : I have received numerous harassing phone calls, misleading information, and threats of foreclosure from Roundpoint Mortgage Servicing LLC. They have repeatedly refused to provide the necessary information about loan modification and reinstatement, which I believe violates the FDCPA and other relevant laws.

5. Denial of Loan Modification and Refusal to Provide Necessary Information : Roundpoint Mortgage Servicing LLC has consistently denied my requests for loan modification without providing a valid reason or the necessary documentation. This denial may be in violation of the CARES Act, CFPB Mortgage Servicing Rules, and other federal regulations.

6. Inaccurate Credit Reporting and Financial Harm : Due to the mismanagement of my account, I have suffered damage to my credit, resulting in higher interest rates on loans, additional financial burdens, and personal stress. This has directly affected my ability to secure financing for essential needs such as transportation and education. 

Detailed Account : A detailed chronological account of events, including documented evidence such as letters, phone call transcripts, emails, and financial records. This documentation provides a comprehensive overview of the numerous errors and potential legal violations committed by Roundpoint Mortgage Servicing LLC.
Product: Checking or savings account

RE : Case Number XXXX Claims Department Specialist : On XX/XX/XXXX, the Board of Governors of the Federal Reserve System amended Regulation E, 12 C.F.R. Part 205, in the Federal Register to address overdraft protection programs. The rule became  mandatory on XX/XX/XXXX and the rule applies to both new and existing accounts. This rule requires prohibits banks from assessing fees for paying ATM and one-time debit card transactions unless the consumer " opts-in '' to overdraft protection. This is commonly known as the Opt-In Rule. 

From the period of XX/XX/XXXX to present, I have not " opted-in '' to overdraft protection on my Chase Premier Account ending in XXXX. Despite declining all XXXX XXXX XXXX XXXX  transactions from XX/XX/XXXX until XX/XX/XXXX do to a combination of insufficient funds and compliance with the " Opt-In '' Rule and by issuing a hold do to fraudulent activity, Chase Bank, NA nevertheless decided to make a payment to XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX in the amount of {$3600.00} when the balance of that account was a mere {$2400.00}. I find it highly irregular and morally disturbing that Chase Bank, NA would decline a {$100.00} transaction to XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, a {$530.00} transaction to XXXX XXXX XXXX XXXX  on XX/XX/XXXX but would approve a {$3600.00} transaction to XXXX XXXX XXXX XXXX on XX/XX/XXXX bringing my account into insufficient status, thus occurring bank fees and the restriction of my individual liberty. I am starting to get the impression how Chase Bank, NA likes to profit and stay in business. 

I have attached 16 email notifications from Chase Debit Card Fraud Prevention dating from XX/XX/XXXX to XX/XX/XXXX while I was in the hospital for XXXX XXXX for your records and my future correspondence with the FDIC and the Consumer Financial Protection Bureau. Additionally, is it not the policy of Chase Bank, NA to decline any and all transactions when fraud prevention hold is placed on an account until the consumer gets in contact with the Debit Card Fraud Prevention Department in order to verify transactions in order to establish and maintain security on the account in question? 

Again, I look forward to your very timely resolution in this matter.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2012 I called about the validity of the debt after being served with summons. I had insurance at the time thought it was a billing issue. Requested information from the DCI regarding the bill. Dates and type of service. I never received any. I've not heard from them since XX/XX/2012, I thought this was a billing issue and it was resolved. I received a garnishment in the mail last week and called dci to figure out what was going on. She insisted that they had been working the case but stated the last time they tried to contact me was XX/XX/2012. I called the hospital but the record is so old they cant access it anymore. I called back to dci after calling the insurance company to verify the billing which was never provided in XX/XX/2012 as requested. She would not take 2 payments of {$350.00} to satisfy the judgement, even offered to give her my card number to run on two paydays. I called the attorney listed on the paperwork to resolve the issue but they transferred me back to dci. This seems like a complete violation, even their log states that I requested documentation of the unpaid bill.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts and hard inquiries : 1. Account Name : XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. 2. Account Name : Department of Education Account Number : XXXX XXXX XXXX XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related ot XXXX  experience. 3.

Account Name : Department of Education Account Number : XXXX XXXX XXXX XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related ot XXXX  experience.

.

Inquiry Name : XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. Inquiry Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. 3. Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience.

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX XXXX XXXX of Texas. On XXXX went into Bank of America at XXXX XXXX XXXX XXXX XXXX TX XXXX, I ordered wire transfer in the amount of {$21000.00} including service fee of {$45.00} total paid $ XXXXThis wire transfer made to this company by name XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, XXXX XXXX for purchase of stock .XXXX. On XXXX XXXX I filed a claim with Bank of America to recall the wire transfer back claim # XXXX indicated that I believed that I have been scammed .Thereafter Bank of America sent me papers to be signed and also needed all transactions papers pertaining all the communications with the said company. All the texts and emails communication were sent to Bank of America and was confirmed received by the officials. I was informed by Bank of America that it will take 60 business days to finished the investigation. Now the last time I called l was Bank of America that they will not disclose the out come of the investigation, I was told that they could not recover or recall the money. I demanded the information about the scammer company information and I was told before they will not release the information, that I have to get a court order signed by a judge they will before they will release the out come. Bank of America have not officially notified me about their investigation out come .According to the Federal Law and regulation Bank of America supposed to refund me the {$21000.00} back. See Electronics Funds Transfer Act, also called Regulation EXXXX Also see Bureau of Consumer Financial Protection ( XXXX U.S.C 1693 et. seq ) 44.U.S.C 3501 et. seq. and have been assigned XXXX XXXX XXXX. All versions of 12 CFR part 1005 ( Regulation E. XX/XX/XXXX XXXX ( current regulation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXXXXXX XXXX XXXXXXXX for the account number XXXX The late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I firmly believe this is inaccurate for the following reasons : 1. I have always made my payments on time, apparently they have administrative errors 2. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt and Cease and Desist Communication Request under 15 USC 1692 ( c ) Dear XXXX XXXX XXXX aka XXXX I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the account referenced as [ Account # XXXX ], which you claim I owe. I am formally disputing the validity of this debt in its entirety and requesting that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

In accordance with 15 USC 1692 ( c ) of the FDCPA, I request that you cease all communication with me regarding this debt, except as required by law. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. 

If you fail to comply with these requirements my rights as a consumer are to seek legal action ( sue ) against your agency ( National Credit Adjusters ) for violations of the FDCPA. This could result in actual damages, statutory damages up to {$1000.00} or more per violation and attorneys fees and costs. 

Ive attached my consumer report from all XXXX credit bureaus ( XXXX, Experian XXXX XXXX XXXX ) that your agency ( XXXX XXXX XXXX ) is reporting this alleged debt. 

Thank you for your prompt attention to this matter. I expect to receive confirmation that you have received this dispute and cease communication request within 30 days or delete this alleged debt from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA in violation of several consumer protection laws.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My Chase Visa card XXXX had a fraudulent charge of {$190.00} from XXXX XXXX XXXX on XXXX-2019. I reported it to Chase and Chase falsely claimed to investigate the charge but refused to correct it. I paid the balance due and Chase closed the account. The merchant later corrected the fraudulent charge and credited the {$190.00} to my closed Visa account. The closed account now has a credit balance but Chase has not refunded the credit balance to me.
Product: Credit card or prepaid card

XX/XX/2023 I was checking my XXXX XXXX account and saw that I had a new card on my credit report that I did not sign up for. 

I called the credit card company, XXXX Comenity Bank XXXX I spoke to a gentleman named XXXX XXXX no last name provided ). He said they would cancel the card and send me proof of cancellation. 

I filled an identity theft report with the FTC as well as placing fraud alerts and credit freezes on the reporting bureaus. 

XX/XX/2023 Today I received the card in question. 
I have complied a letter to the credit card company and included a copy of my ID theft report. I am hoping the card was sent before I called them on the XXXX and I have just received it on accident. I am still waiting confirmation of the card/account being cancelled In anticipation that they did not listen to my request and cancelled the account I have complied a letter to the credit card company and included a copy of my ID theft report to mail off to the company. I am also mailing the card back to them. 

I am also filling this report out as an extra precaution.
Product: Debt collection

I have paid my balance in full to XXXX  XXXX XXXX  and received acknowledgement when I moved out. I had XXXX balance. Hunter Warfield is claiming had a balance and trying to make me settle for 1/2 the amount. They're trying to get me to go to XXXX  and pay.