23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX a pay off of XXXX dollars was credited to my Lowes account to pay off the balance of my credit card. 

XXXX i got a statement with a reversal of payment. I called the credit card company they said they never received the check and have no records of a check clearing with them. 

I contacted my mortgage company whom the checked with issued thru, they sent me a copy of the checked which has the stamp from the credit card company showing it was cashed on XX/XX/XXXX Ive sent this information and faxed over the check showing they cashed it and they will not honor it.
Product: Debt collection

After receiving notification XXXX XXXX XXXX was suing me on behalf of American Express for an invalid debt I contacted them several times. 

Initially, I informed them on XX/XX/2019 at XXXX XXXX  CST this debt was not valid and requested verification of the debt on a recorded phone call. I was told they would send me verification of the debt as well as verification of several charges and inconsistencies in the assumed debt. No debt validation was ever recieved. 

After speaking with XXXX XXXX XXXX office manager on a second call on XX/XX/XXXX at XXXX XXXX  CST, I was informed they were unable to validate the debt and the suit would be dropped and a release would be completed and sent. 

Without my knowledge and in opposition to their statements and instructions XXXX XXXX XXXX failed to issue the release of debt and lawsuit, proceeding forward with their lawsuit. As I was told the suit would be dropped, I did not appear in court and XXXX XXXX XXXX won a default judgement for an amount 2x their initial debt notifcation. A debt they claimed they would drop, as they were unable to verify as it belonged to someone else with my name. 

After recieveing a default judgement on this invalid debt XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX who is attempting to garnish my assets and accounts. I am on Social Security, which is exempt and have no assets. Despite this, they are attempting to collect on a debt which they failed and were unable to verify, claiming the debt belonged to someone else with my same name.
Product: Checking or savings account

I have Overdraft protection and I need to Overdraft my account so I can pay on my overdue utility bills but my bank won't let me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant TO 15 USC 1692J XXXX XXXX  IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
XXXX XXXX  IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT CAR MART WAS THE COMAPANY I DID BUSINESS WITH. 
XXXX XXXX  IS ALSON IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS XXXX XXXX AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND XXXX XXXX  TURN AROUND AND FURNISH FALSE INFORMATION TO MY REPORT
Product: Mortgage

This can also serve as another notice of intent to file suit. Ocwen financial ignored a federal bankruptcy judges order and charged/collected interest on payments that were behind. Interest was collected first out of payments before any being applied to principal. We were presented payment records that are incomplete and can not be used for forensic review. Company is trying to collect money discharged in chapter XXXX bankruptcy by foreclosing on our home. Ocwen presented a robo signed document from Florida as a transfer to them. The loan has gone from Option One to American home servicing to homeward bound back to Option One and now Ocwen without being legally transfered. They refuse to provide our original loan documents or give name and address of actual lender. Ocwen has violated the truth in lending act, fair debt collection act, respa and h.o.e.p.a. at the least. Interest went from 11 % to 14.43 % on the morning of closing.As first time home buyers we were unaware this was illegal. Ocwen charged interest and bogus fees that were not allowed under the chapter XXXX federal bankruptcy order. This company has been sued to many times to count for the same actions. I plan to file suit in federal court to force Ocwen to abide by the judges orders and for damages from their illegal acts and hope to find as many others in Pa. as I can to join.Hope to get a class action suit besides federal court for our own mortgage. Ocwen as a history of violating consumer protection and real estate laws at will. This can be evidenced by the many class action and private law suits brought against them. Ocwen makes it 's profit by scamming people with charges and fees that are against all real estate laws and protections for consumers.
Product: Mortgage

My mortgage servicer, Mr. Cooper ( Nationstar ) continually harasses me with letters threatening to add additional flood insurance to my loan claiming mine is insufficient. I have, on NUMEROUS occasions, forwarded the necessary information to prove I have insurance. In addition, I have spoken to their representatives who have on NUMEROUS occasions told me that I have sufficient insurance. However, they continue to HARASS me with letters. I would like this to stop. I have NEVER been late on a payment, and I have complied with ALL of their escrow requirement since day one. THIS IS NOTHING BUT HARASSMENT!
Product: Debt collection

XXXX XXXX XXXX XXXX previously stated that they reported the account as closed but my credit report shows as of today XXXX XXXX the account is reporting as open. They are providing false information and not cooperating with the consumer!
Product: Credit card or prepaid card

I contacted Citibank to dispute several fraudulent purchases on my Citi XXXX card. The amounts were {$10000.00} ( XX/XX/2018 ), {$9100.00} ( XX/XX/2018 ), {$100.00} ( XX/XX/2018 ), and {$620.00} ( XX/XX/2018 ). I am not sure of the date I first informed them of the purchases but it was within a month of the last transaction. 

Citibank investigated my dispute claims and ruled against me. Their main reasons were : 1 ) the total amounts of the fraudulent transaction was within 98.58 % of my credit limit ; it was too close to be considered a real " fraudulent '' purchase, nor considered a coincidence 2 ) the online account was accessed before, during, and after the fraudulent transactions occurred, My arguments against their reasons : 1 ) the fraudulent purchases were conducted in person in XXXX, XXXX. I submitted copies of my passport to proof that I was not in XXXX at any of the time of the fraudulent transactions 2 ) I use several online based account aggregation services and these services may have logged in to the Citibank website on my behalf. 

After reviewing my arguments and passports, they ruled against me.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$29000.00} XXXX XXXX  XXXX XXXX {$4200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$710.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone tried using my SSN to sign up for a credit card on XX/XX/. The credit card was never opened but there was a hard inquiry on my credit report at Equifax because of it. I've contacted XXXX XXXX twice about this issue. They told me they would take care of this and contact the credit bureau both times but the inquiry remained on the credit report. I contacted Equifax and the representative told me they never received any request from XXXX XXXX. I did not save the letter from XXXX XXXX the first time but I did save the letter from them when I tried to resolve this issue the second time. I tried to contact them again today but I got transferred to 4 different departments until I ended up at the original department and told me I would have to file the dispute with them again. I have no idea what to do at this point but to report this to CFPD
Product: Credit reporting, credit repair services, or other personal consumer reports

In Late XX/XX/2018 I contacted XXXX, Equifax and XXXX and informed them that the Chapter XXXX & and Chapter XXXX listed on my credit report needed to be removed in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) which states, information which can not be verified is required to be promptly deleted. I also included a letter from the United States Bankruptcy Court Eastern District of Wisconsin Office of the Clerk Office. The letter was submitted to support my case that the Bankruptcies should be removed and to show that the Bankruptcy Court does not report directly to any third party agencies.

All three credit agencies responded to my dispute and stated that the information listed on my report had been verified by the furnisher ( XXXX ) and that the information would remain on my credit report. I contacted the credit agencies again and filed a second dispute. I also informed them that I applied and completed a security freeze with the agency ( XXXX ) they claimed verified the Bankruptcies. 

Again, I was told by all three credit agencies that the information was verified by XXXX and was accurate. I contacted XXXX by phone and email and was told that they never verified the information with XXXX, XXXX or Equifax. XXXX also stated that they could not verify any public records because of the security freeze I applied for in XX/XX/2018. 

I then filed a dispute directly with XXXX who claimed to get the information directly from the Bankruptcy Court. In response to my direct dispute with XXXX they sent me a letter which stated that they can not verify any public records after a security freeze is in place. 

I filed a third and a fourth dispute with all three credit agencies. I included a copy of the letter from the United States Bankruptcy Court and I included the letter from XXXX. 

Again, I was told that the information was verified even though, I submitted a letter from the agency they stated verified the information stating it is not possible to verify the Chapter XXXX and the Chapter XXXX listed on my credit report. 

In accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) information that can not be verified must be promptly removed. I have shown and proved that the Chapter XXXX and the Chapter XXXX listed on my credit report can not be verified ; Therefore, the Chapter XXXX and the Chapter XXXX should be removed.
Product: Credit card or prepaid card

I need to file complaint with CFPB about distinctly different 3 distinctly different companies. 
- Those 3 companies are - 1- Chase. - 2 XXXX. & 3 - XXXX. 

In XX/XX/2012 - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. 

- Things had gone very well! 
- Then - in XX/XX/2012 - some problems started! 

- In XX/XX/2012 - false charges started appearing on my Chase MasterCard. 
- I called Chase Customer Service to talk to them about that. 

- Some of the charges were from another state. Very strange. 

- I was avoiding using my Chase MasterCard for a while. 

- Chase de-activated my account. 

- Chase sent false info to my credit files! 

- I suffered from a ridiculous amount of adverse actions because of Chase sending false info to my files! 
- I also suffered from adverse actions because Chase failed to correct the problems even after 30 days! 
- Those 3 companies - Chase, XXXX & XXXX  have severely violated FCRA! 

- That caused more adverse actions against me! 
- For example - I got toy limited by XXXX & XXXX XXXX XXXX! That toy limiting almost certainly happened because of Chase sending false info to my files!
Product: Mortgage

Made a legitimate substantial {$12000.00} electronic transfer payment towards reinstatement on XX/XX/XXXX of which they received on XX/XX/XXXX. Mortgage Service Company held and returned the payment on XX/XX/XXXX where the bank it was returned to will take 3-5 business days to process the payment back into my account. The loan servicing company is insisting on a wire transfer method of payment, which I refuse to use due to too much fraudulent activity, as that is the preferred method of scammers. Now based on the method of waiting, I now will have to pay a much higher amount after the XX/XX/XXXX. The Sevicing company is OCWEN Loan Servicing.
Product: Credit card

I have a balance of {$39.00} when I tried to make payments it had gone up to {$140.00} company refuse to take off late fees spoke with 2 managers instead they closed my account with a outstanding balance and late fees.
Product: Debt collection

Navient is claiming to be XXXX XXXX, which doesn't exist. I have previously proven this, and via the CFPB process, I have provided telephone call recordings and revealed that Navient filled out two separate - both false - promissory notes. They then attached these via the CFPB process as fillable forms. So, their fraud is extremely evident and irrefutable. Now, Navient is claiming that I owe three different loans, which I don't. They have created this as a new listing on my credit report, and they took advantage of the California Wildfires by placing the listing when my fraud alert dropped off due to being displaced by the fires. I want Navient to stop  all forms of harassment and fraud. I have never borrowed from them, do not have any contracts with them, do not have any student loans, and don't appreciate that the government isn't doing anything to put these people in jail. I have asked for debt validation and verification multiple times. I have also sent hundreds of Cease and Desists. They will not stop. I should never be contacted by Navient. I have had no business with them.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Please verify proof of the debt, application and a written hand signature of reporting amount 1 XXXX Potentially Negative, Balance, Balance updated 2. Reported a debt of unknown amount {$6100.00} debt summary 3. reported 5. closed closed accounts4. 23 unknown hard inquires and multiple ] e soft inquires reported without my written consent and privacy adverse action 12 cfr 1002.7, 15 USC 1691 and 12 cfr 1002.1 12 cfr 1002.2. 15 USC 168 12 cfr 1002 cfr 1002.16 I am demanding verification hard copy proof of reporting negative improper damaged character and use of my Credit card which I do not have the benefit of and invasion of my privacy
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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Dear [ Debt collector name ], I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl XXXX ], on [ XX/XX/XXXX ] and identified the debt as [ blu XXXX XXXX ]. I do not have any responsibility for the debt youre trying to collect. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, [ XXXX XXXX XXXX
Product: Checking or savings account

I have an issue with there overdraft policy. I signed up to have to have overdraft protection. I had about XXXX dollars in my account when i overdrafted it with a XXXX dollar purchase. I had some pending charges which has been already taken out of my back account available balance. My account was positive when i over drafted it. Once i over drafted it i got hit with XXXX {$37.00} dollar fees. And when i look at the pending purchases that got hit with an overdraft fee it was {$2.00} {$5.00} {$4.00} {$0.00} {$0.00} This is not fair that i am charged so many overdraft fees for such small purchases that was not even in my available balance so im looking at my account positive. The bank has misleading information. Its not fair i have to pay XXXX dollars on such small purchases. The XXXX dollar purchase understandable because that is what overdrawn my account. Because i over drew amy account by XXXX dollars i should have owed the XXXX plus the XXXX thats XXXX dollars. My account it overdrawn by XXXX dollars this is crazy And i have a XXXX so its not right they they are trying to confused me even after i told the bank teller in person ....
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, specifically the recent CFPB lawsuit involving 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 the lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 's 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.
Product: Credit reporting or other personal consumer reports

So I sent a letter to the credit to remove personal information that I dont want on my credit report.According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  UNAUTHORIZED INQUIRIES: 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 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 UNAUTHORIZED INQUIRIES: 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: Credit reporting or other personal consumer reports

Dear Sir/Madam, I trust this message finds you well. I am writing to you with a matter of utmost importance, pertaining to the accuracy and integrity of my credit report as governed by relevant provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Over a persistent duration of time, I have made continuous efforts to communicate with your esteemed organization in order to rectify several discrepancies present on my XXXX credit report. Despite numerous attempts to have these issues resolved, it has come to my attention that these inaccuracies have not been adequately addressed. This persistent disregard for the accuracy of my credit report poses not only a significant inconvenience but also has far-reaching implications for my financial standing. 

First and foremost, the incorrect listing of an address, " XXXX XXXX XXXX XXXX, NY XXXX, '' which lacks an apartment number, is a blatant error that contravenes the FCRA 's XXXX that credit reporting agencies must ensure the precision of the information they maintain. This discrepancy is not only factually incorrect but also has the potential to introduce confusion and misalignment in my credit history, as it intertwines my financial records with individuals who may share this address. I urge you to promptly remove this erroneous entry from my credit profile. 

Furthermore, I have observed a recurring issue with the handling of my name on the credit report. My legal name is " XXXX XXXX XXXX XXXX, '' According to the FCRA, credit reporting agencies are obligated to maintain accurate information regarding consumers, and this includes the proper representation of their names. Instead of simply removing inaccurate names from my profile, your organization has opted to make adjustments by creating variations of my name, which has resulted in an unwarranted proliferation of names on my credit profile. This goes against the spirit of the FCRA, which advocates for the dissemination of accurate, relevant, and fair information. 

I hereby request that you expeditiously take the necessary steps to remove the following erroneous and misleading name entries from my credit profile : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA and FACTA mandate the swift resolution of discrepancies in consumer credit reports, and I trust that your organization will adhere to these legal obligations by removing the aforementioned inaccuracies without further delay. 

I implore you to address these concerns promptly and rectify the inaccuracies in my credit report in accordance with the law. Failure to do so may necessitate further legal action to ensure compliance with the FCRA and FACTA. 

I appreciate your immediate attention to this matter and look forward to receiving confirmation of the corrective actions taken to restore the accuracy of my credit report. 

Yours sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ]