23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The mortgage company that I am filing the complaint on is New Rez/Shellpoint. My grandmother passed away on XX/XX/XXXX. I was the cosigner on her mobile home mortgage. I paid the payments until XX/XX/XXXX but was unable to make the payments any further. Several phone calls were made with them from the time of the missed payment until early XXXX we seemed to be getting somewhere with letting the mobile home go back. In XXXX of XXXX we were told to submit a voluntary surrender letter so the home could be picked up. That was submitted with no response until XXXX of XXXX. They sent someone out to take photos of the home. A letter was received from Shellpoint in XXXX of XXXX stating that they did not want the home and the account was closed to any further charges and was charged off. They said in the letter to call about a settlement amount. We had someone interested in purchasing the mobile home and removing it from my brothers property. He tried on several occasions along with my brother to get a settlement amount but never could get a response from them. They just stopped taking any calls. The mobile home ended up going to that person with no money exchanged. When the paperwork was done there were no liens currently showing and the paperwork was filed with the XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. For over 3 years we heard nothing from them until a sheriffs deputy tried to serve seizure of property while me and my husband were at work ( this was on XX/XX/XXXX ). I called the clerk of courts office and was able to talk to the deputy and he explained everything to me and that he could see that the mobile home was not on our property in XXXX XXXX, he told me not to worry that the papers would just go back. Then last Thursday XX/XX/XXXX I was served with legal papers that I was being sued. So after almost 4 years of no communication now they are suing me. I have attached the documentation that I have of the correspondence with the mortgage company and the legal papers I was served last week. The ending balance on the account was {$22000.00}.
Product: Mortgage

why didn't this company ( ocwen ) show you all the history of the payments that they have since XXXX and how is it possible that a company not know that they paid a year early of taxes NO I do not accept there response this company needs to show you proof of all the transaction of payment history they have done in my loan since XXXX where it goes from XX/XX/XXXX is where the loan went from XXXX to XXXX, plus and then XXXX, plus on the prior principal balance when it should of keep going down from XXXX because each month a payment was being paid the principal balance should of gone done.
Product: Credit card or prepaid card

Sent XXXX on XXXX XXXX via XXXX XXXX to the code city for XXXX XXXX XXXX TX with the Account Number as of XXXX XXXX the Company states they have no record and can not find payment, when trying to pay with checking account online receiving the run around
Product: Checking or savings account

I am a XXXX XXXX veteran. I am an unemployed, XXXX XXXX Veteran receiving Veterans benefits for XXXX ( i.e., but not limited to XXXX XXXX XXXX XXXX ) and Federal Retirement compensatory benefits. I do not own household items worth {$30000.00} or over. I have one vehicle, and my son has one vehicle. I only own one home, which I owe to a mortgage company. 

I formally submit this complaint against Randolph Brooks Federal Credit Union ( a Texas Credit Union ), which can be contacted at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, or Randolph Brooks FCU Collections Support Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I had contracted XXXX on a previous date and became ill, and much confusion transpired, affecting my memory. I could not repay my bills due to my memory and illness. Within a very short period, I contacted RBCU about being locked out of my online bill pay account and could not pay them. I had no banks in my location. 

The bank stated I WAS LOCK OUT BECAUSE I WAS PAST DUE. They charged me additional money to reinstate my current. It happened again. I had pseudo conversations with them to allow me to regain my access. Since I am XXXX, I advised them to send me all the recordings of our discussions and payment history to validate their claims. They did neither and eventually locked me out of my account several times. They closed my account multiple times without notice, causing me excessive fees. They reported be to credit agencies, and provided them false and misleading letters leading that I intentional became past due, when they breeched their service to me, and shut down my online banking crippling my ability to pay as they are no banks in my location. 

Accounts are ( XXXX ) Randolph Brooks Federal Credit Union Credit Card Debt ( last for Acct # XXXX ), Amount Owed : {$4800.00}, Origination Date : XX/XX/XXXX. ( XXXX ) Randolph Brooks Federal Credit Union Unsecured Loan ( last for Acct # XXXX ), Amount Owed : {$4200.00}, Origination Date : XX/XX/XXXX. 

This bank has numerous complaints by other account holders that go back to the time of my unfair treatment ; XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the fcra violations see ftc attachments
Product: Debt collection

i notice a negative item on my credit report from ENHANCE RECOVERY COMPANY for an alleged amount of XXXX $ that i do not owe, so i sent them a letter on XX/XX/2020 with all the information that i requested from them concerning this and i have attached a copy of the letter below asking for the removal of this item.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DateXXXX Collection Agencys Name and Address JPMCB AUTO FINANCE RE : Account Number Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. The item was returned and the company charged off account without ever sending 1099c forms or any documentation Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 
1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely,
Product: Money transfer, virtual currency, or money service

I want to express my concerns of Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting issues with the platform. After using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

My aunt my stepsister or step father or the loan company tried to steal money and entered the wrong information using fraudulent account information
Product: Credit card

maccordance 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. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 tem of information, other than records of convictions of crimes which antedates the report by mote than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the aceounts below :
Product: Credit card

The company continued to charge the statement balance. They were small transactions throughout the billing cycle. However, they charged me the remaining statement balance as a full payment. Example, I may have only of used {$50.00} in credit for the month of XXXX but they charged me XXXX dollars which would be my statement balance, and included it into my balance, ( see attached documents ). They continue to do this month after month even after I called and explained that this was an incorrect and unfair business practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed top protect student records and personal privacy. 

Under the following legal protections, my information should have been safeguarded : -Family Educational Rights and Privacy Act ( FERPA ) : Ensure the confidentiality of student records and prohibits the unauthorized disclosure of personal information. 

-Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student loan data. 

-Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies. 

-Breach of Contract : The unauthorized Sharing of student loan borrowers ' persaonl and financial information with third parties, including XXXX XXXX XXXX Constitutes a violation of the contractual obligations to protect borrower data. 

Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process.
Product: Debt collection

The option I need to discuss my compliant was not a choice. I want to talk about the fee charged to pay the debt over the phone. It is ridiculous to be charged a {$7.00} fee to use a debit card, but it would be free if I gave them my checking account information. Granted my payment for the medical bill was an oversight! I thought my husband paid it and vise versa. Needless to say I could pay the {$160.00} for the bill without issue. BUT the fee is terrible. It is unfair and not warranted especially since it is not costly to process the transaction. GSB ( General Service Bureau ) has more of risk with over the phone or mailed in check payments! They seem to be gouging folks on fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter from a credit reporting agency stating they have done multiple reinvestigations with a third party vendor verifying the bankruptcy in question. The third party vendor XXXX doesnt have a reported bankruptcy against me on their credit file held under my SSN number. How is the credit reporting agency verifying data during a reinvestigation with XXXX when theres nothing there to verify? Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. XXXX furnished this inaccurate unverifiable information to the credit reporting agencies, so they must furnish new information to the credit bureaus to remove the information.
Product: Debt collection

What Happened? 
I applied for a Chase Sapphire credit card with JPMorgan Chase Bank , N.A . believing I was entering into a legitimate loan agreement. However, I later discovered that the bank did not provide valuable consideration and may have unlawfully converted my signed credit application into a financial instrument for their benefit.

Key Violations & Issues : Lack of Mutual Assent & Consideration : The bank failed to sign the credit agreement, raising serious questions about the validity of the contract. 
XXXX XXXX. XXXX prohibits national banks from making loans on their own stock, and XXXX XXXX. XXXX limits lending based on capital and surplus. 
If no valid contract exists, the bank has no standing to enforce repayment. 
Fraud in the Inducement & Securities Fraud ( 18 U.S.C. 1348, SEC Rule 10b-5 ) : The bank misrepresented the nature of the transaction, leading me to believe I was receiving an actual loan.

My signature and Social Security number were converted into a security instrument, without disclosure, potentially violating 15 U.S.C. 78r and 17 C.F.R. 240.10b-5.

Unfair & Deceptive Practices ( UDAAP 12 U.S.C. 5531 & 5536 ) : The bank altered the terms of the agreement after I signed, constituting a deceptive act. 
No disclosures were made regarding my right to rescind within three days under 15 U.S.C. 1691a ( e ).

Accounting Irregularities & Demand for Audit : The bank must provide master agreements, bookkeeping entries, balance sheets, call reports, WORM compliance records, and the back-stamped promissory note to prove their claim. 
If the bank hypothecated or rehypothecated my application, this would be an unauthorized conversion of funds. 
I formally request a forensic audit to verify the banks financial records and compliance with federal regulations. 
Actions Taken : I sent interrogatories and subpoenas duces tecum requesting critical documents from JPMorgan Chase, but they have failed to provide full disclosure. 
I am currently in active litigation ( XXXX XXXX. XXXX ), and these violations directly affect my legal defense. 
Requested Resolution : A forensic audit of JPMorgan Chases handling of my credit card application, financial records, and internal bookkeeping.

Full disclosure of all documents proving Chases legal right to collect on this alleged debt.

Investigatio

n of all potential regulatory violations, including unfair lending, fraudulent inducement, and securities fraud. Maximum penalties under 15 U.S.C. 1 ( antitrust violations ) and 31 U.S.C. 3123, 3124, 3125 for any proven misconduct.

I respectfully request CFPB enforcement action against JPMorgan Chase to ensure compliance with federal laws and consumer protection statutes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX was reported a fradulent account I have attached proof of my identity, a copy of FTC Report Number : XXXX a letter asking that the account be blocked Please delete this account immediatly as it is fradulent. The credit reporting agency is now obligated to remove this account within 4 days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX has violated my rights. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 2 : It Also States a Consumer reporting agency can not furnish a account without my written instruction.

15 USC 16668 : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose
Product: Debt collection

They called my number looking for XXXX XXXX I told them that this was not her number and to not call back again. They were looking for her for a 3 year old debt for XXXX. They will take send it to collections and come after me and they will call back again.
Product: Debt collection

On XX/XX/18, I received a letter from Affiliated Creditors Inc. stating an alleged debt in the amount of {$56.00} from " XXXX XXXX XXXX. '' This alleged debt came in response to my prior landlord giving me the ability to move out a day late, which was given in good faith over the phone on a recorded line. On XX/XX/18 I disputed the charge via an email to " XXXX  '' ( attached ). In this email, I included facts and proof of this conversation and agreement. On XX/XX/18, I was contacted back from ACI by  XXXX who informed me that I was still responsible for the debt. She could not provide me any insight or verification about the alleged debt since my supporting documentation. After reviewing the FDCPA, specifically section 809 which deals with the validation of debts, I called back to speak with XXXX on XX/XX/18 to ask for the " verification or judgment '' that was supposed to be mailed to me after my dispute. She became defensive and asked where I was getting this information. When I informed her this was from the FDCPA, she laughed it off and said " I will send you what I have. '' I asked what this was, and she asked what I had. When I told her I wasn't trying to play games, but simply wanted the verification of the debt, she said " I'm not fighting with you over {$56.00}. '' While this {$56.00} may not be a big financial burden for XXXX, it is to others. If {$56.00} isn't that big of a deal, than perhaps she should pay it. Regardless, she was only able to tell me that " there was nothing in writing because it was a conversation the apartment manager and their associate had over the phone. '' If this is the case, how am I as a consumer supposed to have any clarity to the debts in question? I doubt I will receive any further correspondence from her or ACI because of the way in which she handled herself. As a consumer, this worries me not only due to the financial nature of this ordeal, but also the credit implications it could have on my credit history. While XXXX may not take {$56.00} and a credit report seriously, I do.
Product: Credit card or prepaid card

On XX/XX/XXXX and application for a Capital One credit card was processed. This was done by my ex husband without my permission.

Upon finding out about the accounts existence and how it could negatively affect my credit, on XX/XX/XXXX, I immediately contacted Capital One and requested that the account be closed.

The account was never paid late and it's current status is " Closed ''
Product: Checking or savings account

XX/XX/2024 This morning I got a text message from usps saying that there was a delay for my package and I opened the link and put my debit card info in and I used both my debit cards because it said that card was invalid
Product: Mortgage

Tracking number # : XXXX Mortgage Company : Caliber Home Loans I had a pip break in my kitchen on XX/XX/2018 and I had to file a claim with my homeowners insurance company and settled the claim in late XXXX. We received payment for the repairs of the house however, our finance company is listed. I contacted my mortgage company right away for the steps to take in order to have the payment endorsed. They are requiring a contractor to fix the house in order for them to release payment to the contractor after the repairs are done. The problem is that my husband and I have met with several contractors and non of them are willing to repair my house for the amount the insurance company settled for. I told Caliber Home loans that I would like to have the payment released to us for self repair as it is too expensive to hire a general contractor to repair my home. After numerous documentation forward to them and numerous contacts caliber still insist that their is not they can do for us and we have to get a general contractor even if its more money to fix the house. The resolution specialist that has been handling our claim states that the only way they can release the payment to us is if we send them receipts of the repairs ... .... how can we repair the house if we dont have money??! She even went as far as telling my husband to get a loan to repair the in the meanwhile they may decide to release the funds to us. I have a hole on the outside wall of my house where water is still coming in through, its been a nightmare with this mortgage company. They refuse to make an exception. I need to repair my house because we are still in Hurricane season and XXXX forbid one comes and damages the property even more. Caliber Home Loans has hindered myself and family from living a health and happy life in our home just because they are not willing to make an exception. They also want us to pay for the post appraisal to the residence after its repaired for a fee of {$30.00}. If its documentation that is needed for their file, we as the borrowers should have to pay it. I pay enough. Im going through a hardship now where Ive even lost my job and they still wont help me. All I want is for them to approve my claim and endorse the payment in order to fix my house. I just want to fix my house! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX is on my credit report and it need to be looked at and removed immediately. It stated a lot of fraudulent acts. 1st one I looked at payment history. How could I made my payment on XXXX of 2021 knowing this is not my account. I will never make payment to an account that is not mine, so thats fraudulent. The address doesnt match the actual address of where this place supposedly to be, which is fraudulent. U.S.C 1681c-2 requires ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My home was forclosed on in XX/XX/XXXX, 2017. I had been working with BOA for months to do cash for keys or a shortsale, or even a modification. I went to an on location mobile help site set up by BOA to sit down and speak with a loan counselor and they were not able to assist me because the loan was FHA. ( this was not stated in the letter advising us that they had on site help ). I kept in touch with my siingle POC but they changed often sometimes even twice a month. I submitted all of my paperwork when they requested and was in contact with them up until the day of the sale. The rep stated they had had my paper work prior and was reviewing it. They said to me that they could postpone the sale and did not. I lost me home and because of that me my son and my grandchildren were homeless. I asked the rep what happened why couldnt they postpone the sale she stated it was a " mistake ''. 
I did every thing they asked of me, over and over again, package after package and they did not keep up their end. I understand that I signed a contracual agreement and BOA agreed to work with me and did not uphold thier end. As a result, we were homeless for the 1st time in my life, it is tramatic experience for me and my family, and it affected my health.