23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a XXXX and XXXX mortgage with GMAC in XX/XX/XXXX. I received a modification from GMAC in XX/XX/XXXX and was notified of the new loan balance and payments. I began receiving monthly statements reflecting the agreed upon terms. There was no specific mention to the XXXX not being included in the modification and I never received another statement on that loan. It was my understanding that if had been rolled into the new loan. When GMAC ceased operations my loan was transferred to Ocwen and I began receiving loan statements from them. I asked Ocwen if they were aware of a XXXX loan and was told that they had no record of another loan. For the whole time period since the modification was granted I have never received a statement of any sort indicating that the XXXX loan still existed or what the status of that loan might be. On XXXX XXXX XXXX Ocwen sold/transferred a XXXX trust deed on my property to XXXX XXXX and they immediately filed a Notice of Default with no attempt to contact me. I am now suddenly {$50000.00} in arrears on a loan I could not locate and had no idea who/how to pay over the last XXXX years. I am being forced into default. At any time over the last 6 years did anyone who held this trust deed have a responcibility to notify me, send me statements or in any other way facilitate my repayment of this debt obligation?????? It was my understanding that when a loan is transferred to a different servicer notice is required. My XXXX is and has been paid as agreed and I am now at risk to lose my house to foreclosure. Had GMAC been upfront about the terms of the modification, had Ocwen honestly told me they held the loan, or had I been notified of who and where and what to pay at any time over the last 6 years this would not be happening. I am not attempting to shirk a legitimate debt but feel that numerous parties actions over the last 6 years have not been upfront or with complete transparency. I was not provided the information with which to satisfy my obligations so that others could financially benefit.
Product: Debt collection

This Debt has open balance I do not believed the debt that is reporting is not valid No verification or letter that this is my debt Please deleted and need help
Product: Payday loan, title loan, or personal loan

From XX/XX/2020 until now, i pay about XXXX, the statements show that the company put whatever amount to interest and small amount to principal, every month fluctuating amounts and when i ask to pay principal equal to interest they stated i can not. So i can't pay with cash, check, credit card.and.subject to thier format.of payment division. Also they report higher amount on fico report.
Product: Debt collection

This is like playing the child 's game Hokey Pokey. Medical Data Systems puts the debt and then they take it off. Since XXXX I've been disputing this account and now it pops back up on a recent credit monitoring report. I want this removed and all references to this account with any credit or medical bureau. Enough is enough!
Product: Debt collection

Dear Sir/Madam, Eversource Gas ; Cfpb ; XXXX Group XXXX I've attached the police report again. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * XXXX : Harassment or abuse in connection with debt collection. 
* XXXX : Use of false, deceptive, or misleading representations. 
* XXXX ( b ) : Failure to properly disclose my rights. 
* XXXX : Use of unfair or unconscionable means to collect a debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, KIc. ) ( XXXX XXXX XXXX XXXX XXXX  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 process XXXX untair an deceptive, as they XXXX XXXX  XXXX comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA XXXX and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which 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 relating to any transaction by the consumer. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter as my formal notice of intent to commence legal proceedings against Experian, due to violations of the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C 1681n and 1681i. As you are undoubtedly aware, the FCRA, 15 U.S.C 1681n, makes consumer reporting agencies liable for willful noncompliance with the statute. 15 U.S.C 1681i, on the other hand, stipulates that any consumer reporting agency must conduct a reasonable reinvestigation free of charge when a consumer disputes the completeness or accuracy of any item of information contained in the consumers file. On XX/XX/2023, Experian notified me and stated that the accounts were not removed because they were certified by the furnisher, but they updated the information on the accounts. However, the account information remained the same and in fact, still included numerous inaccuracies. 
XXXX XXXX Acct # - XXXX Inaccuracies- PAST-DUE BALANCE INACCURATE ON A CHARGE-OFF - PAST DUE AS OF DATE INACCURATE - DELINQUENCY DATE TIMELINE INACCURATE XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX Inaccuracies- - REPORTING INACCURATE PAYMENT HISTORY XXXX XXXX XXXX XXXX - XXXX Inaccuracies- - INACCURATE DATES - BALANCE INACCURATE - INACCURATE PAYMENT HISTORY - DELINQUENCY DATE TIMELINE INACCURATE
Product: Credit card or prepaid card

Goldman Sachs closed my account without warning. I have had the account almost 4 years and have had a stellar relationship with them. I have never had a dispute with them and even used the card today for a {$2.00} transaction. 

This is what the email said without much context at all. 


Your Apple Card account has been closed as of XX/XX/2023 and can no longer be used for purchases because : There was a failure to comply with the terms of the Customer Agreement
Product: Debt collection

I have been receiving emails starting from XX/XX/XXXX, regarding an unpaid student loan ( account no XXXX ) from XXXX. I have not taken any loan from XXXX. As I contacted XXXX the customer representative confirmed that even though the account is under same name the year of birth and the last 4 digits of SSN do not match with my credentials. Besides, the loan was taken in XX/XX/XXXX and I have entered USA in XX/XX/XXXX. Hence XXXX promised that I will not receive any email or letter communication from XXXX going forward as this is a case of mistaken identity for debt collection. However, I am still getting mails from XXXX. I contacted XXXX again but it is not getting resolved.
Product: Credit reporting or other personal consumer reports

Experian and XXXX have failed to full fill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence. I am requesting immediate corrective action to remove the disputed accounts as Experians inaction violets federal law and my rights las a consumer
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, in addition according to my rights under 15 USC 6804 financial institutions are required to safeguard and protect nonpublic information collected from consumers and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified Santander Consumer USA that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Santander Consumer USA has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Santander Consumer USA complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Santander Consumer USA. 

Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 

I have reached out to the institutions in this complaint about my nonpublic information being shared to third parties as well as the consumer reporting agencies. I have opted out of having my information shared yet I have not received response nor have this information been removed from my report. Documentation to follow.
Product: Debt collection

I spoked to the Manager of the Quiet Water Apartments in XX/XX/XXXX before my new lease renewal, that I am going to buy a house, so the Manager told me do n't worry XXXX " you have been paying your rent on time we will take care of you '' I was living there since XX/XX/XXXX. 
He told me most of the time the apartments are rent out in week or two, I said no problem I will pay the 2 weeks rent. 
I moved out from there. 
They did not sent me any bill by mail or called me, neither the collection company sent me any letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several incidents that occurred which I neglected to investigate until the past year. Someone broke into the mailboxes at my last place of residents and my car also was broken into. I did not think anything of it at the time until I checked my credit report. 

I have since moved from that residence but the damage had already been done. After checking my credit about a year ago, I noticed a few things that did not belong to me. It has since escalated into several derogatory accounts. 

I contacted the credit bureaus about a 6 months ago to dispute these errors. A few things were removed but the majority are still reporting. Feeling frustrated, started I stumbled into some solid information on how to deal with this situation. I have since filed a dispute with the FTC and sent additional letters to the credit bureaus on XX/XX/2019.
Product: Credit reporting

The XXXX account listed on my credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.
Product: Credit card or prepaid card

well Fargo account was close, this accounts still showing on my credit as account close Account Details Account status Paid Type Secured credit card Responsibility Individual Remarks Payment after charge off/collection Dispute resolved ; customer disagrees Times 30/60/90 days late XXXX Closed XXXX. XXXX, XXXX
Product: Checking or savings account

HELLO WAS TO THE BRANCH OF WELLS FARGO TO ASK FOR INFORMATION ABOUT ANY QUANTITIES THAT WERE OPEN IF MY AUTHORIZATION ACCOUNTS CHECKS AND SAVINGS WITH PENDING BALANCES PLEASE ELIMINATE ANY OPEN ACCOUNT TO MY NAME HAS NEVER HAD RELATIONSHIPS WITH WELLS FARGO THANK YOU. 
CALL MY XXXX.
Product: Credit card

I was notified by Bank of America online by emails they have requested me to submit relevant evidence and supporting documentation to help with several disputes with merchants. I am more than happy to provided these to them but they seemed have blocked the fucntions for me to view the claims under the Online Message Center in Bank of Americas online portal even after I logged in. I have contacted Bank of Americas customer service several times already by dialing the numbers on the backside of my card, which costed me at least 6 hours of my own personal time regarding this matter. Having spoke to several agents at BOA, they said themselves and their XXXX were not able to provide any reasons or instructions to solve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, my husband contacted Comenity Bank via phone to pay off my account using his XXXX XXXX  XXXX XXXX in the amount of {$5200.00}, paying off the balance of my accout with a Customer Service Rep. On XX/XX/22 the funds were removed from our checking account by Comenity. 
Comenity Bank. Comenity Bank claims to not receive the funds. Ive made multiple phone calls and correspondence trying to resolve the issue. 
We provided Comenity Bank with copies of our bank statement showing the reference numbers of the transaction and a letter with the same. They denied receiving still, on another occasion I sent another letter with a copy of the draft note provided by our bank and still they denied. Asked us to go to the bank to provide the transaction information for electronic transfer. Our bank said the information we provided is what they need. Our Bank ( XXXX XXXX  ) is advising they can no longer help us, due to the time it took Comenity to research. Our bank allows 60 days, and it is way beyond that period. 
I am hoping you can help or advise to resolve. My account at Comenity balance should be XXXX but now with late fees they are charging me over {$6000.00}. On top of this my credit score went from XXXX to XXXX  XXXX because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  XXXX XXXX # # # # # XXXX, XXXX XXXX XXXX XXXX # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been trying to send certified mail to Midland Credit Management/Midland Funding, proving my position as being judgement proof. My certified mail gets returned as address unknown. You try and look it up and they provide you a PO Box number to send disputes. Certified mail can not go to a PO Box number. This is just another tactic for them to take you into court. 

Why can they get away with not having to prove communication and we as the consumer have to prove our communication with them. 

You go into court and this company has an assembly line of defendants, that can not afford attorneys, and then they pay 3rd party attorneys to handle there court cases so you can not question Midland Credit management/Midland Funding in court. They try and complicate it it as much as they can for the consumer. 

I want a name and address to send my certified mail to and ensure that it is not sent back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX of XXXX, Chase bank made a wire transfer of {$31000.00} to a unauthorized user out of my checking acct. Chase bank maximum wire transfer amount is {$25000.00}. I notified chase bank on XX/XX/XXXX of XXXX  that it was fraud. It took Chase bank a full 7 days before attempting to do a wire recall. Chase bank refuse to refund my money after the banking negligence.
Product: Student loan

Since Navient took over XXXX XXXX, I 've had MANY calls that would resolve with certain things being in place, only to find out later that week, month, or following weeks later, that the information I was given was not correct ( learned through yet another call ) and then I 'd have to pay back fee 's to get 'caught back up ' and then I can be helped. That cycle would repeat itself, for various duration 's depending on the previous outcome. Example, I wait a month or two to get a collection of money and pay all back up again. I got the last resolution to be the most stable. I paid off one loan in lump sum ( ouch ), got a flat rate reduced payment plan for 15 months, so long as I never pay late or incomplete. So I had to get into an auto-pay program. Things are ok now, but getting the run around for years and paying up front costs to get into different programs would only be 'good ' until the website said I owed hundreds more dollars that month.
Product: Debt collection

Never received Confirmation of The Debt from XXXX XXXX or any correspondence about the Debt Collection. 
Just Collection on My Credit Reports.
Product: Money transfer, virtual currency, or money service

Unauthorized transfert of my money XXXX from my Coinbase account XXXX $ I reached the customer service directly by phone them by email to reverse the transfert but unfortunately they just improperly and unreasonably stops my account and wasnt able to access anymore to my accounts and funds, ... I file a complain to the FTC & CFTC XXXX
Product: Debt collection

I XXXX : XXXX XXXX XXXX agent to principal. Surety reserving all rights and securities and interest due to the principal claiming Equitable subrogation. Had Multiple times I have reached out for VERIFICATION OF DEBT not validation I have not received NOT ONE true bill, contract with debtor and creditor signatures, or copy of the records used to verify these debts the 3 times I have disputing them. I have the documents unfortunately files are too large but to complete a total of 90 days 60 days passed the lawful timeframe! Matter fact one of the debts are in litigation! And two are hospital bills in order to have a true bill which is itemized and that would breach multiple laws and codes, that means they have accessed my private information! WhICH I recall SHOULD NOT BE FURNISHED BY LAW! 15 usc 1681 pursuant 16 CFR 313.4 right to privacy bay area Receivables has broken HIPAA laws and gram leech BLILEY ACT! I require compensation for the egregious defamation of character, stress and pain 15 usc 1682. I have not received a true bill, or original contract or notice giving my explicit consent to furnish my private information on MY CREDIT REPORT! THIS IS THE 3RD TIME I HAVE DISPUTED AND TRANSUNION IS NOT ACTING IN GOOD FAITH PURSUANT TO UCC! I demand TransUnion perform compensation for effecting my credit score and report with those fraudulent furnishings by deletions, and monetary compensation.

UCC 1-308 ALL RIGHTS RESERVED Without prejudice