23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ocwen contacted me by mail in reference to a debt your firm alleged that we owe monthly payments from XXXX XXXX thru XXXX XXXX, XXXX on our property I discovered this week from the XXXX that XXXX filed and recorded a Satisfaction of Mortgage on XXXX XXXX, XXXX and stated that the loan was not been assigned and has been paid in full.. This action stemmed from a Department of Justice lawsuit targeting XXXX XXXX in XXXX and XXXX. As a courtesy, I 've attached the information. 


I would like more information about this alleged debt. Accordingly, pursuant to 23 NYCRR 1.4, Substantiation of Consumer Debts, I kindly request that you provide me with substantiation of this debt. 

Pursuant to the regulation, 23 NYCRR 1.4 ( c ), for all charged-off debts, substantiation should consist of : 1. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and 2. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and 3. A statement describing the debt 's complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and 4. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 


The regulation further requires that you provide substantiation to me within 60 days of your receipt of this request for substantiation, and that in view of my request for substantiation, you must cease collection until substantiation has been provided. 23 NYCRR 1.4 ( b ). 

I 'm also requesting all monies that were paid you regarding the loan charges you are still attempting to collect on be refunded back to me by check in 30 days. Under Loan Charges '' Any sums collected from Borrower will be refunded This loan you are attempting to collect, has no enforceable interest. '' As stated in the Security Deed filed, recorded and was not certified by the XXXX XXXX XXXX to secure the note. 


Please send substantiation of the debt to :
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer Financial Protection Act ( CFPA ). Specifically. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/XXXX a made a purchase for some hair named boho locs on their website in the amount of {$150.00}. I selected priority 2 day shipping for faster delivery. On XX/XX/XXXX I received an email from the company indicating that the package was on the way. 

Four days later on XX/XX/XXXX I emailed the company asking for the status of my package because at this point I still have not received any tracking information and considering I paid for 2 day shipping and its been 4 days since its been shipped, this package was now considered late. 

On XX/XX/XXXX, I received an automated generated email in the amount of {$17.00} which appeared to be for the priority shipping that was paid by me. After receiving the refund email I now noticed that the shipping information was now available and was showing a delivery date for XX/XX/XXXX when the package shouldve arrived on XX/XX/XXXX. I emailed the company right away advising them to contact XXXX  to have this package rerouted and returned to the company and issue me a refund as I was leaving for international travel that evening and would not be home to receive it since it was now late. 

The company emailed me back advising that they can not have the package rerouted back to them. As planned, I left for my trip on XX/XX/XXXX and returned home on XX/XX/XXXX or XXXX. There was no package at all at my home. I emailed the company advising them that I did not receive a package as I was out of the country. I did not get a response. I contacted chase bank and filed a dispute for the amount since the package was delivered outside of the shipping date I paid for and for me not getting it. Chase issued me a temporary credit. 

On XX/XX/XXXX I received a notice from Chase advising that the temporary credit will be removed because they are in favor with the company. I called right away to get further answers about the reversal and the agent at Chase told me that the company provided them proof that the package was delivered. I asked the agent how can the company provide proof of delivery when 1 ) there was no signature confirmation upon delivery and 2 ) I was not in the country to receive it and 3 ) Chase did not ask me, the customer of any proof of me having an issue and my email correspondences to the company about my package being almost a week late and with my requesting the package be rerouted to begin with. 

A week later, chase deducted the temporary credit. As a result I ended up paying for a package I never received.
Product: Payday loan, title loan, or personal loan

I received an unsolicited, pre-approval notice from XXXX XXXX that I could get a loan from One Main Financial. I was glad to know that since I had a discharged bankruptcy on my credit report history as recent as XX/XX/XXXX. Since that bankruptcy, I have taken out one installment loan with my bank and have opened 4 credit card accounts, ( all in good standing ). So I applied for XXXX dollar, 24 month term loan, and I got a approval notice by email. The reason I applied for the loan was to have a diverse amount of credit history, so as to re-establish my credit history since the bankruptcy discharge. I spoke with credit manager at the local branch about my approval letter and according to her everything was alright, but she was rude and quite unbusiness like, after our heated discussion, I got a letter from the main office in Indiana stating my loan was denied, without stating any specific reason ( s ), even though it was approved, ( I have screen shot of approval notice ). My credit score went from a low of XXXX to a high of XXXX ( XXXX ), ( XXXX XXXX ), ( XXXX, XXXX ). Now, as a result of one main financial pulling a credit report, my credit score went down three points, thus making any future approval for loans from other potential lenders, possibly hard to get, that enquiry will be on my credit report for 2 years, thus making any possible future loans hard to get. I think it is bad business and very bad for the consumer when something like that happens, it hurts the consumer. My loan should had went through but because of the branch managers bad attitude, I did not get the loan I was pre-approved and qualified for. Reference number, XXXX, letter dated, XXXX XXXX, XXXX. I uploaded per their request, all documentation that was required, and my credit report has nothing negative showing on it but a discharged bankruptcy dating back to XXXX. I work and have a steady income, so there is no reason why I shouldn't get the loan I was approved for. Also the manager at one main financial in XXXX, Ms where I was suppose to sign for the loan, told me on the phone that since the bankruptcy had been discharged, that would have no negative affect on my approval status, also, she said that my credit score was within the range of being approved for the small, unsecured loan. But because she developed a attitude ( bad for business ), my loan appearantly was changed from being approved to denied.
Product: Credit card or prepaid card

There was fraudulent activity made on my credit card. NFCU the banking institution who I got the card through removed the activity. I continued to pay on the card but I noticed they put the debt back on the card. Not only that I won a judgment in court on the card for XXXX. I was going to pay it to NFCU but I saw on my credit report that the monthly payments that I had been making was not posted. I called NFC and tried to get some understanding about the situation and they kept hanging up in my face, even when I called back to get info on making the payments they still hung up in my face. I don't know where my money went that I walked into the NFCU and paid I went to the XXXX, TX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I went the XXXX, Texas location last week. I spoke with the bank XXXX about these issues and she stated that she noticed a jump in the card balance from a lesser amount to a higher amount. She also state that she doesn't know how it happened. I started to take notes on my phone and I repeated everything she was saying as she read it off the computer to me. She noticed me taking notes and asking question so she stop speaking. I asked her for a printout of my transaction history she printed me out a copies of my bank statements and supposedly copies of the credit card transaction. I took the transitions home and I went through them all and there was a lot of information missing from the bank account statements that I used to have there and there was no credit card information printed on any of the statements. Both folders of statements was the same copy of each other over and over again from statements that were months that had nothing to do with what I was looking for. I am totally disgusted at this point.There was a jump from XXXX because that's all that I owed on the card to XXXX to XXXX I was shocked because the XXXX that I was going to pay would have me owing just XXXX. Which I could have paid off with ease. NFCU told me no one could make transactions on the card but the amount continued to increase. My credit report shows past due and no payment. I attached the few times it showed where I made payments but where are the rest of the payments that I made on the card?? They are no where to be found. This is fustrating because it's showing the account 90 days past do and more.
Product: Mortgage

SLS unnecessarily delays payment website password resets requested from https : //www.servicingloans.com, a sub-site from XXXX This delay of hours can make the difference between an on-time payment and a late payment. The delay also encourages consumers to choose to make a payment via phone, or with a phone rep, both of which carry higher fees than processing online. 

Password reset requests on any other financial website I have used processes within minutes, not hours. I successfully requested a reset via XXXX at XXXX, central, today. It is now after XXXX, still no email. I have checked my spam folder, it 's not there either. I have experienced similar delays with password SLS password resets in the past.
Product: Credit reporting 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 15USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A. 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. 
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Product: Vehicle loan or lease

I was displaced from my job during XXXX and entered into a Deferment. I have documented proof that my account was under Deferment with this company through XX/XX/2021. I even began making payments again prior to XX/XX/2021 up until I was served with a Demand Letter stating account was closed and I began trying to reach the bank directly. Bank charged off account XX/XX/2021 while under this Deferment. Attorney on behalf of company sent a demand letter for the RV while in the middle of Deferment. Account disappeared online XX/XX/2021 and I have been trying to reach a human to get this resolved ever since. All contacts at bank can not find account. No one is able to reinstate so that I can make payments. Attorney has filed a case and is demanding the RV, which I reside in. Bank corporate at account executive escalations will not work with me on this even though I have provided said documentation. Further, I was approved for XXXX  rental assistance ( this applies as this is my full time residence ) and since account was unfairly and unknowing to me, charged off, I have no idea if or how any funds were credited to account. Attorney on behalf of bank refuses to provide a direct contact person for me to try and resolve this. I prefer to amicably work this out rather than counterclaim, but no one will work with me. Perhaps there is a Class Action similar to the XXXX XXXX case regarding the mishandling of mortgages and vehicle loans during the pandemic? Please advise.
Product: Credit card or prepaid card

Dear Sir, Madame On XX/XX/XXXX22 I filed a dispute with XXXX, XXXX XXXX XXXX. 

I am currently a college student and I have never applied for a credit card with Macy's/Citi Bank XXXX 
I have been made aware that an account was opened and women 's boots were purchased, I have reported this error to, XXXX, XXXX and XXXX XXXX XX/XX/XXXX2022. 
Since then, I subsequently placed a block all three credit bureaus. 
I have spoken to several XXXXacy credit/Fraud agents to no avail! 

PLEASE INVESTIGATE THIS MATTER. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX the XXXX, 2023. I have submitted a dispute with TransUnion LLC, and they completed the investigation on XX/XX/2023. I received a letter showing that the account was deleted from my credit report but since I have started reinvestigation with XXXX XXXX XXXX, the company decided to put the account back on my credit file with TransUnion without proof of validation debt. I dispute the validity of the debt mentioned on my credit report with TransUnion and I am requesting the following information : 1. ) Verification of the license to collect debt in my state of Georgia. 2. ) Copy of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt. 3. ) Documentation confirming the existence and validity of the debt including the amount owned or any write-off that the original creditors may have done. I am requesting validation of this debt as per my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 UFC 1692g. FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, The furnisher subsequently reports that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Section 605D of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days and to promptly notify the furnisher ( s ) of that information. Please provide me with validation of this account as I requested in this letter or delete the account immediately.
Product: Prepaid card

There was a charge from XXXX for XXXX $ that I did not authorize. I disputed the charge with in minutes of the transaction, but American express did not research the transaction and awarded the company my money, even though it was against my will. 6 months later they have refused to address the issue, and now that it 6 months later, they refuse to re investigate it. I have contacted them every month, if not more to keep up with the charge. Every time they promise to contact dispute resolution, and have the issue rectified. Every time I call back, they say the previous action did not occur. They have aided this unauthorized charge.And at this point, I consider it aiding in theft. Every time I call I 'm on the phone for more than an hour.
Product: Mortgage

Wells fargo home mortgage has not made any attempt to help modify or refinance my mortgage for my husband who has recently passed away. I contacted wells fargo as well as a family member who spent a full day being transferred from department to department with no answer. Wells fargo has kept this mortgage at a high interest rate for many years when lower interest rates were available and equity has been available in the home. Refinance was not given as a option even during the time of the covid outbreak where income decreased, interest rates were at an all time low and my husband had medical issues Late fees of {$3900.00} were charged over the time of the loan with no offer to modify the date of the mortgage payment withdrawal to coincide with getting it paid before the social security check arrived.
Product: Credit reporting or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. Among other inaccurate factors. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 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, Transunion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the accounts/Inquiries below be removed immediately per my instructions enclosed :
Product: Credit reporting, credit repair services, or other personal consumer reports

I found these unauthorized inquires on my credit report. 
XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to express my deep disappointment and frustration with the ongoing presence of late open account on my record despite multiple attempts to have them corrected. 

This marks many time I am reaching out to address this issue, and regrettably, the late open account persist. This situation not only reflects poorly on your organization 's commitment to customer satisfaction but also creates unnecessary stress and inconvenience for me as a customer. 

Given the continued persistence of this issue, I insist on immediate action to rectify the situation. I expect a comprehensive response detailing the exact measures that will be taken to investigate and correct the late open account without further delay. Additionally, I request assurance that steps will be implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$8900.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX for the following key issues : 1. Improper Notification and Procedure : The company failed to provide proper notice and conduct the repossession sale in a commercially reasonable manner as required by law.

2. Inaccurate Reporting : The account was inaccurately reported on my credit report, violating the Fair Credit Reporting Act ( FCRA ). 

XXXX. Failure to Validate the Debt : The company did not properly validate the debt or provide a breakdown of the sale proceeds as required by the Fair Debt Collection Practices Act ( FDCPA ). 

These issues have caused significant financial and emotional distress.
Product: Checking or savings account

I called in XX/XX/2022 to close all accounts with Wells Fargo. The rep told me all accounts were closed and I owed {$0.00}. Then I receive a letter on XX/XX/2022 showing I owe {$5.00}. I wrote a letter asking them to remove the {$5.00} fee as my account was closed and I should have been assessed fees and to close my account. I received a letter dated XX/XX/2022 thanking me for being a loyal customer. They are assessing fees for accounts I've requested to be closed almost a year ago.
Product: Mortgage

I originally called on XXXX. to get a refi. started. I was told no loan officer w was there and I would receive a call back from XXXX in XXXX to 48 hours. I waited 3 days and call, so I called on that day. I was told yet again same thing. no one there and would get a call in XXXX to 48 hours. I said ive already waited and that I really need to get it started. I also asked to speak with a supervisor. not one available. it was on XXXX XXXX or XXXX I finally got a call from a loan officer, XXXX. got it started that day. it was on XXXX XXXX I got a call from a supervisor from my complaint 10 days later. I was hoping to get the refi completed soon because I was having some financial dificuties.during this time. I received phone call from their collections department on my making my payment. on. everytime I called to speak with someone for the refi it would go straight to collections. so I maid the payment so it did n't affect my credit. mean while there was little to no communications from our loan officer. XXXX XXXX. Now here wee are on XXXX XXXX just got a call from collections dept. today about my payment. when I have grace period until the XXXX. and I also had to pay XXXX for an appraisal as well. which was also a big set back. called XXXX today with no answer and call back. please help I feel like I have no where to turn to. I heard about CFPB through another mortage company.
Product: Debt collection

I, XXXX XXXX, Consumer, dated on XX/XX/2022, am demanding Santander Consumer USA Inc, to send I, XXXX XXXX, a Payoff Quote of the current balance on my Santander account. Please send this information via Consumer Financial Protection Bureau, and as well a copy via Postal Mail. Pursuant to 15USC 1681n ( a ) ( A ) ( B ) for any noncompliance whatsoever fines will be applied. Thank you. Best regards!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations