23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Violations of numerous Federal and State Laws and Agreements to include : The Dodd-Frank Act, Title 12 Chapter X 1003HOME MORTGAGE DISCLOSURE ( REGULATION C ), Title 12 Chapter X PART 1014MORTGAGE ACTS AND PRACTICESADVERTISING ( REGULATION N ), Title 12 Chapter X PART 1024REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ), Title 12 Chapter X PART1026TRUTH IN LENDING ( REGULATION Z ), New York General Business Law 349, Fair Debt Collection Practices Act, Gramm-Leach-Bliley Act, as well as breach of  representations and warranties. 

A propertys legal description identifies it and distinguishes it from any other property. An error in the legal description of record becomes an obvious title issue and has a significant effect on any applicable documented agreements. In this case, three recorded defective mortgages. As outlined in attached, the clear and convincing evidence provided illustrates that both XXXX XXXX XXXX XXXX and Select Portfolio Servicing Inc.s lack of quality control procedures, due diligence, breach of representation and warranties, attention to detail, unethical business practices and non-compliance with relevant underwriting guidelines and applicable laws has rendered all three notes and mortgage agreements ( XXXX, XXXX, XXXX ) completely invalid and unenforceable. Both XXXX XXXX XXXX XXXX and Select Portfolio Servicing Inc.s conduct is indicative of fraud on borrowers, fraud on investors and a fraud on the courts ; especially when wrongful notifications and summons for foreclosure are brought forth by both parties without having clear and convincing evidence of a bona fide security interest in a property. In several ways, both companies negligently originated, recorded, serviced, securitized and/or sold these significantly defective loans to the secondary market, which are predominantly and legally null and void. Their unconscionable and seemingly unethical actions have caused great stress and anguish upon my remaining family as we continue to grieve our parents loss and are forced to defend the loss of our childhood home. Knowing the debt was invalid and unenforceable ; SPS continues to threaten our childhood home of nearly 50 years with foreclosure, without cause. New York General Business Law 349 strictly prohibits such evident and deceptive trade practices or acts that are being committed by XXXX XXXX XXXX XXXX and Select Portfolio Servicing Inc. Our proud, hard working, yet financially unsophisticated parents, fell victim to predatory lending and deceit. See attached evidence.
Product: Credit reporting or other personal consumer reports

Dear Global Payments or New Owner Please send me a copy of my credit report and also advise me of how my information was obtained and placed a security freeze on my account so that its not shared with any third-party. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Several addresses, a telephone number, and an employer are listed on my credit report that I do not recognize. I believe this information in my credit report 's personal information section is due to fraud and/or identity theft. Please remove the following entries : XXXX XXXX XXXX XXXX XXXX  GA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) XXXX, XXXX XXXX XXXXXXXX. There are also multiple variations of my full name, which should be removed. The only name on my credit profile should be " XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT LISTED WAS OPEN FRAUDULENTLY I DID NOT OPEN THIS ACCOUNT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, mortage company made unauthorized payment to DC Tax Authority. XX/XX/XXXX, I forwarded via text and email, the letter I received from the tax authority defering my payments to XXXX. They acknowledged receipt and did not forward payment in XXXX of XXXX. However, in XXXX of XXXX, they did not adhere to the Deferral and paid the tax.

I have tried since then, every way available, phone conversation ( s ), email, text, use of their internal database, to give the instructions as to how to have those unauthorized taxes paid, returned to them. I phoned DC Tax Authority to seek instructions as to how to retrieve their unauthorized payment, they gave them to me, and I forwarded it to XXXX. Apparently, they have chosen not to follow instructions. 

Everytime I call them to try and resolve this problem, they seemed to understand the situation, and I was told it was researched and being processed. 

I receive " robo '' calls, since XX/XX/XXXX, and to this day, at a minimum of once a day, and as much as three ( 3 ) time a day harrashing me about a simple matter they have been instructed on how to resolve. 

During the last conversation I had with their representative in their Personal Property Tax Division, ( which should be recorded, as well as all the other calls ) I told her of my fear that XXXX would take the actions, that they have since taken, and posted something with the Credit Reporting Agencies, since it has taken them so long to resolve their problem, and make it mine. She informed me that that would never happen because this was not an issue of a late or non-payment of mortgage, and could not be reported as such by XXXX. 

They have reported me late on my XXXX mortgage and I was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company forfeited this account after I bought this credit line with a bank account it costed {$750.00} to open this line of credit after I bought the line of credit for XXXX was never subtracted from the full bal
Product: Credit card or prepaid card

I ordered a garage door online with Lowes on XX/XX/XXXX, which was part of a homeowners insurance claim due storm damage on my home. There were numerous other charges to the account in conjunction with the home repairs, and we believed that the charge had posted, and had been paid with funds from our insurance company. At the end of XX/XX/XXXX, I received a statement in the mail from XXXX with the charge of {$1700.00} for the garage door which was purchased on XX/XX/XXXX. I am attaching proof of the confirmation email when the order was placed on XX/XX/XXXX, and a copy of the credit card statement showing the charge posting on XX/XX/XXXX. I feel it is extremely unfair consumer practice to post a charge to a credit card 9 months after that charge was made. In this case, it caused an even greater hardship on me as the consumer, as this was left out of my homeowners insurance claim due to the late posting and we are now fully responsible for this portion of the claim.
Product: Mortgage

BAYVIEW IS ENGAGING IN DECEPTIVE LOAN SERVICING PRACTICES BY NOT PROVIDING UPDATED AND CORRECT FINANCIAL STATEMENTS, PROVIDING INCORRECT ACCOUNT INFORMATION IN ORDER TO CREATE A DEFAULT LOAN SCENARIO, NOT ABIDING BY THE TRUTH IN LENDING ACT, NOT PROCESSING/APPLYING MORTGAGE PAYMENTS IN ACCORD WITH THE SPECIFIED ACCOUNT SCHEDULE, NOT PROVIDING CORRECT PAYMENT INFORMATION WHEN REQUESTED, THEREBY CREATING A DEFAULT STATUS, NOT COMPLYING WITH THE FEDERAL REGULATED ACTS, THAT GOVERN LOANS AND PROCESS, AND THREATENING TO MAKE THE MORTGAGE LOAN IN DEFAULT STATUS, REVOKING A MODIFICATION AGREEMENT PREVIOUSLY AGREED TO BY XXXX XXXX XXXX, UNLESS PAYMENT IS MADE IMMEDIATELY ON XXXX/XXXX/16 ON THE TELEPHONE, WITH NO PROOF OR REQUESTED DOCUMENTATION PROVIDED PRIOR TO PAYMENTS BEING MADE. ADDITIONALLY THREATENING TO CANCEL THE MODIFICATION AGREEMENT XXXX HAS SIGNED WITH NO NOTIFICATION PERIOD OR GRACE PERIOD AS PER FEDERAL LAW, IF PAYMENT NOT MADE ON XXXX/XXXX/16 VIA THE PHONE BY XXXX XXXX, DESPITE XXXX XXXX DISAGREEMENT AND REQUEST FOR PROOF OR STATEMENTS TO BETTER CLARIFY THE SITUATION
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the creditors has violated my rights. 
Under 15USC1681 section 602 states : I have a right to privacy. 15USC 1681 Section 604A Section 2 also states that consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

In XXXX 2015 I signed a modification agreement. 
The terms do not match what is being charged to me. There is a charge for {$2100.00} for legal applied after I had an executed contract. Also my payments are not being applied to principal properly.
Product: Debt collection

reported to XXXX i have collections for unpaid bills these bills belong to my son same name different middle name
Product: Money transfers

I have initiated a MoneyGram " send money '' transaction ( where they take the money from my bank account and give the money to a recipient abroad ). They found a problem about the transaction, some recipient middle names order not matching the recipient ID, and told me that they can not release the money to the recipient because of this reason and advised me to cancel that transaction ad do another one. 
I went on MoneyGram website and cancelled that transaction on XXXX/XXXX/2015. Regardless, they still took the money from my bank account, {$520.00}. No information was available on the status of this cancelled transaction on their website until eventually they shown a cancellation date for that transaction of XXXX/XXXX/2015. When I asked them why the difference between my cancellation ( XXXX ) and their posted data ( XXXX ) they answered that they needed that time to " properly process '' the cancellation. Hilarious. Their web site states, when cancelling a transaction, that it should take between 3 and 10 business days to get the funds back in the bank account, so one would think that it should start counting 3-10 business days when they do the cancellation. No clue that, before that, there is an arbitrary number of days that MoneyGram takes to " properly process '' the cancellation request. Hilarious, ridiculous, frustrating. 
Since I did not see my money coming back to my account I called them repeatedly, last time on XXXX/XXXX/2015. They keep transfering me form one person to another or let wait on the phone indefinitely ( about XXXX persons during the last call, until I had no choice but hang up furiously ) and can not give me a clear answer. When I asked them to be transferred to a supervisor they state that they have no supervisor ( which may be an explanation why they do n't know what they are doing ). Ridiculously, eventually someone advises me to check with my bank. Then I ask, OK then please give me the date when you sent the money back to my bank but they can not give me any specific date, keeps telling me that it can take time for the cancellation to be processed. Last person that I talk with states that it can take up to 45 business days to complete the refund. This statement seems inaccurate since what I have seen on their web site says between 3 and 10 business days, so I ask the person to direct me to the page on their site / policy where I can see that information but they are not able to do that. 
Bottom line, there is more than one month since I am waiting to see my money come back to my account and there is no sign that it will happen or that anybody at MoneyGram is capable to troubleshoot and give any valid information.
Product: Debt collection

The charges that were incurred during the time frame of XXXX were at a time when I was in fact covered by a state-funded XXXX program which provides free care and visits to XXXX XXXX XXXX Systems and clinics. However, Alliance One Receivables continues to attempt to collect on these debts that were covered by the State of California 's XXXX program. Alliance One has reported several negative accounts ( more than XXXX ) and marked them as severely late ( 120+ days past due ) when they first and foremost should have never been actionable items to collect upon.
Product: Checking or savings account

sometime on XX/XX/year> i tried to gain access to my chime account on my phone as i usually do a few times a day probably for the last 4+ years. and was told that i needed to contact chime because they put a hold on gaining access and my cards were already cancelled due to someone trying to use my card im not even sure where. then they tried again different location at a later day is when they put a hold. i immediately asked them what i needed to do and spent the next 3 hours trying to get verified. i provided copies of id as requested as was told they would not accept that id because i did not have physical posession. I still did have that id was just left in a bag that took a trip across country andf i explained this several times to no success. so immediately i made appt for my local state drivers license bureau for my state id and went on XX/XX/year> and immediately returned with my new temporary legally issued state of utah ID card. upon trying to get reverified was told that my real id they would not accept before but also wont accept this paper id? a legal valid state issued id is not good enough for chime bank? these people are a disgrace and should be fined and fired.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 card or prepaid card

I paid off my credit card and was charged interest on a XXXX   balance. I have spoken with the company several times and the representatives keep explaining to me different reasons that they can not remove the fraudulent charge. Said that I need to have paid the balance in full twice in a row. Seems like unfair business practices and consumer trickery.
Product: Credit card or prepaid card

On XX/XX/2023 I tried to use my card to pay for a study permit application. I was sent a verification code to my text, which I put in, and my card was flagged for 'early fraud prevention '. I had to call a number. 

I called the fraud number, gave them my cell phone and 'code word " to verify me, but they said that 'verification methods have changed ' ( I was not notified as a customer that I needed to create any other verification methods ). 

Citi said that they had to have a second phone number associated with the account to verify. Like most people in 2023, I only have a cell phone. They kept asking if I had a landline, which like most people, I haven't in decades. Even though they were talking to me now, on this cell phone number, I was going to have to call them from some landline to talk to them instead. 

When I didn't have that, they actually wanted me to have someone with my last name call from their phone number to talk to my bank for me and verify that I am me. This doesn't make any sense whatsoever. It seems like it would be EASIER for someone to commit fraud this way- they'd simply have to call from a random number and claim they were related to you! Since it was the middle of the night, I couldn't just call up some relative and tell them they had to talk to my bank for me, go through the holding music and everything. 

The only other option was to have Citi mail me a letter that would take 5-10 business days to reach me. I told them I was going out town and needed to use my card, but they didn't care. 

Now my account can't be used at all because of this 'early fraud prevention ' which was me, using my own card. I have to wait 5-10 business days in hopes a letter makes it to me through the mail to get a reference number from that letter and call them- on the phone they refused to verify- to unlock my account. 

If this was a true emergency, I would have been screwed. It's scary to think now that any time I need to use my credit card, I can't just have a code texted to me, either a relative 's going to have to call in from another number for me or I have to wait for a letter. 

This method makes XXXX sense. This shouldn't be how banking is in the 21st century. 

I want my card unlocked so that I can transfer my card to another bank and be done with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management has not corrected the inaccuracies on the 3 credit reporting agencies. Balance, status, payment history all inaccuracies. According to the fair credit reporting all information must be 100 % accurate. 15 USC 1681 15 USC 6802 Obligations with respect to disclosure of personal information. The law requires disclosure allowing me the option to opt out of public information sharing. I have not received any disclosure as per the law.

15 USC 6801 Protection of non public information.

Charge off status IRS considers charge off as income.

Please remove this slanderous comment from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my credit report and to assert that my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated. The FCRA explicitly outlines the permissible purposes for pulling an individual 's credit report, and I did not provide consent for the following inquiries made on my credit profile. 

Upon reviewing my credit report from XXXX, XXXX, and Experian, I have identified the following inquiries that were made without my authorization : ( EXPERIAN ) - XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX CO, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX, XX/XX/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 XXXXXX/XX/XXXX These inquiries were not obtained with my consent, nor do they fall under any permissible purpose as defined by the FCRA. As such, I demand that these inquiries be removed from my credit report within 4 business days, as they are negatively impacting my credit score.

I expect that you take immediate action to correct this issue.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased airline tickets on XXXX XXXX XXXX ( XXXX ) ( XXXX, XXXX to XXXX XXXXXXXX, XXXX, round trip ) through XXXX and charged {$4200.00} to my credit card. This amount was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from XXXX telling me our flight was cancelled due to Covid-19. The email provided a link to use to apply for a refund of our tickets price. I completed and submitted the refund request on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from XXXX telling me I must request my refund from the issuing travel agent. The travel agent has refused to provide any refund or assist us in any way. 
On XX/XX/XXXX, I filed a complaint with Synchrony Bank telling them the airline cancelled the flight and the airline and travel agent both refused to issue a refund for our purchase price. The bank issued a temporary credit to my account in the amount of {$4200.00}. 
On XX/XX/XXXX, the bank reversed the temporary credit to my account based on proof from the travel agent that we purchased the tickets using the credit card. Please note that this was not the reason for the dispute. The bank has completely disregarded the reason for the dispute : the fact that the airline cancelled the flight and no refund was provided. We are asking the bank remove the charge from my account and correct all negative credit reported regarding this transaction to all three credit bureaus, as this is having a negative effect on my credit report. 
Because of this issue, I have closed the credit card account without paying the amount charge by the bank. They have provided negative information to the credit bureaus ever since. 
I ask that the CFPB help me successfully resolve this dispute. The credit card company should not be able to charge me for something I never received, even if I did originally authorize the charge.