23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX, XXXX # XXXX, Sr. Loan Officer, of Broker Solutions , Inc. d/b/a New American Funding ( NAF ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX contacted me. We discussed my desire for a refinance to replace a higher rate first and HELOC mortgages. He proceeded to send me an email listing items to send to him such as XXXX tax return, mortgage statements, bank statements, insurance binder, SS-5, etc. I sent these items to Mr. XXXX using my military grade encryption service, '' XXXX  ''. Mr. XXXX contacted me stating he couldn't open file. I had to explain how encryption and recipient verification worked since he forwarded the email to his underwriters. He asked that I send them again which I did. I received notice he downloaded the docs. XX/XX/XXXX Mr. XXXX has follow up questions and send a link to load the documents requested via NAF 's website. This seemed odd 2 days after sending using my data encryption, he extends access to his company 's website. XX/XX/XXXX Mr. XXXX urgently contacts me about signing on to the website. On XX/XX/XXXX, Mr. XXXX calls and says he needs certain manual signatures on paper application mailed. He said that signing these forms would enable signing electronically, and if they were not sent immediately the entire loan application process would have to be restarted. I said that these would have to be faxed and he would call me after a meeting. Mr. XXXX never called and on XX/XX/XXXX, I receive my application with all of my personal financial data via regular unencrypted email. 
This violates Reg P of the Gramm Leach Bliley Act. It also violates handling customer financial data with due care. Mr. XXXX exposed all of my financial data including SS #, credit card # s, bank accounts. All of the information for identify theft was made available in an unencrypted email. 
I called the company and spoke with the Office of the President. The rep was XXXX XXXX who immediately authorized the purchase and reimbursement to me for a service XXXX On XX/XX/XXXX I purchased the XXXX, confirmed my credit freezes, and sent the receipt for {$230.00} to Ms. XXXX. I haven't heard back as yet. In the meantime, I have had an attempted use of one of my credit cards, and have changed the account numbers. This has been a very upsetting and disruptive event. Resulting from NAF 's and Mr. XXXX 's needing access to my credit files twice, allowed an unscrupulous loan co to receive my credit files. My fico score is now lower by 25 points and this severely impacts my being able to receive a mortgage at favorable terms from another lender. All of this rests with Mr. XXXX 's failure to exercise proper judgement, adhere to his firm 's data submission policies, improper conduct under NMLS standards, and numerous federal laws like GLBA, SAFE, HiTech requiring that consumer financial data must be protected at all times and encrypted when sent via the internet.
Product: Credit reporting or other personal consumer reports

Im submitting a follow up complaint to you today to regarding my previous submission about this issue. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXalance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$370.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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: Credit card

On XX/XX/year>, I closed my account with Synchrony.com ( XXXX, Acct # : XXXX ). However, many years earlier I had set up automatic payments from my XXXX XXXXXXXX XXXX ( XXXX ) to Synchrony Bank to make the monthly payments. After I paid off the balance of {$1100.00} with Synchrony, my XXXX sent them an auto payment of {$97.00}. 

I spoke with Synchrony Bank on multiple occasions with XXXX on XX/XX/XXXX ; with XXXX on XX/XX/XXXX ; and with XXXX ( XXXX ) on XX/XX/XXXX, each time asking them to refund the excess {$97.00} they received. Each time they said they would send me a check and I needed to wait XXXX weeks to receive the check but I never received the check even though I have received other mail from them including an account statement, so they have my correct address. 

I suspect that because I closed the account, they are refusing to refund the credit balance. I just need them to refund the excess {$97.00} that I paid to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed this account previously -- - each and every time they claim that they have verified and information are correct. But they had failed to properly investigate the information as I found several incomplete and inaccurate information across all 3 bureaus for this same account.

Company said they verified -- - however, there are missing payment data for years, the date last active, date last paid, date last reported, date of status update were either missing or incorrectly, incompletely reported.They said its verified as accurate but failed to update the date last reported. In addition, there should NOT be any activity after the account is closed or charged off -- - yet some of these are incorrect, inaccurately reported. Reports also had different dates. Delete this account as Notice of disputes, date last disputed were missing, incomplete or inaccurate and not entered within 30 days of receipt -- -this account MUST BE DELETED for violation of Section 623.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 



Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear JEFFERSON CAPITAL SYST, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. It has come to my attention that
JEFFERSON CAPITAL SYST

has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, under Missouri law, specifically
570.223 o

f the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. I assert with certainty that I have not provided consent
for JEFFERSON CAPITAL SYST to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws.

I demand that JEFFERSON CAPITAL SYST immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes.

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that JEFFERSON CAPITAL SYST will promptly rectify these violations, respecting my rights under the law.

Done in good faith.
Product: Debt collection

Hello here are a few details about the debt collection. 
I have been using XXXX XXXX service for the last 3 years or more, One morning a man stooped me and asked me to reconnect XXXX XXXX and I said their bill is higher but he said give me a good deal I responded I'm using XXXX can't cancel now than he said don't worry I send you equipment and whenever you feel good to install it and you will be charged from the time. So he sent that equipment box and I NEVER CONNECTED THE SERVICE and return the equipment box after a month, I couldn't return it because I was busy with my daily life, and they sent me the {$150.00} bill without using their single MB of internet. Which is unfair and their agent is a liar. I spoke to the XXXX many times about it but they just ignored my statement. I think they are doing wrong and hopefully CFPB will help me to remove this notice. Thankyou!
Product: Credit card

I started an account with CareCredit in XX/XX/XXXX to help with interest free payments on my XXXX costs. The card was set to auto pay and in XX/XX/XXXX, I received a fee of over {$2000.00} to account for interest on the amount unpaid with a 24 month window. It was very unclear to me that the full payment was due within 24 months to avoid this fee and that the interest rate was on the total amount. Speaking to a representative, I was told that information was on the statements. The statements read : " YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. YOU HAVE A PROMOTION ( XXXX ) EXPIRING ON XX/XX/XXXX. '' I asked if any information is emailed or sent in the mail to make the matter clearer and was told no. I asked to speak to a XXXX and was told that there is nothing that can be done. Even when offering to pay my original charge in full, I was told that this is unacceptable and the full amount of interest needs to be paid with XXXX flexibility. 

It was extremely unclear to me that the interest would be applied to the full purchase amount and I do not believe the credit card company is doing their due diligence helping consumers be aware of this fee.
Product: Debt collection

I have a complicated issue with an old charge account. The original creditor was XXXX XXXX, now XXXX Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for XXXX digits being transposed. We XXXX had XXXX cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after XXXX attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports XXXX is showing XXXX entries for XXXX 2014, XXXX with an {$84.00} payment and a total of {$630.00} charged off. XXXX is showing {$280.00} charged off, and my original XXXX report shows XXXX charged off but also shows {$84.00} payments made XX/XX/XXXX of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute XXXX updated the account to paid after collection. When I called XXXX to ask about the payment history and final account balance, I was told the account was sold and they did not have the records. If I ca n't confirm that this is my correct account information, payment history and status of the account this should net be on my credit report. And that leads to the fact that if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late? 
Additionally, I sent a validation request to Portfolio Recover as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the XXXX XXXX entry on my report and it was returned undeliverable. I understand that this may be an old address, but if Portfolio Recovery is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, someone committed fraud by finding a lost wallet, and using the contents of the wallet to deposit a US Treasury Check into a secondary account and immediately withdrawing monies by utilizing cashapp to transfer money. Cashapp was contacted immediately afterwards to file a claim against this unauthorized use as more than {$1000.00} was transferred from the account. They forwarded a notice on XX/XX/XXXX acknowledging that they needed to apologize due to their slow response on the the matter and that a representative would contact us immediately. That was back in XXXX. This matter still has not been finalized to this day. I am requesting that cashapp pay back all the money that was taken under this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; 1st XXXX XXXX  was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit.

2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score.

3rd on all 3 credit agencies ( Experian, XXXX, and XXXX ) are reporting different and inaccurate information.
Product: Credit reporting or other personal consumer reports

Transunion is reporting information that consumer opted out of which violates FCRA and the Privacy Act of 1974. On XX/XX/XXXX, consumer sent the following email to the furnisher, XXXX XXXX XXXX : Per the FCRA, as a federal protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you written, unwritten, verbal, and non-verbal, per 15 USC 6802. This includes furnishing information to any credit reporting agency. The furnished reviewed and advised consumer is unable to opt out ( see email attachment ). The furnished claims they reviewed the request and that they are reporting accurately. This was not requested, opting out was the request. The furnished is in violation of the FCRA and the Privacy Act of 1974. 1016.7 reviews opt out information. 15 US Code 1681 n and o discuss noncompliance. At this time the furnished is willfully not complying with consumer request which is causing damage to the credit report and infringing on privacy.
Product: Money transfer, virtual currency, or money service

I woke up to see {$1500.00} had been withdrawn from my account at XXXX XXXX, and didn't have time to investigate so I had them temporarily lock the account. It's been over a month now and I've submitted 10 tickets for support. Each gives me a canned response of " We'll get back to you in 3 or 4 days. '' My account is still locked, I can't access, let alone transfer/withdraw funds.
Product: Debt collection

I received repeated harassing calls multiple times daily from phone number XXXX. A quick search of the internet results in Midland Credit Managements website stating that the phone number belongs to them and should you get a call from that number to contact their company about a debt collection matter. I called the company and was told by multiple people that they do not have any accounts related to me and that they are not able to stop the harassing phone calls.
Product: Credit reporting or other personal consumer reports

I sent several certified dispute letters. XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX  {$1500.00} this was removed under another name and came back under XXXX XXXX XXXX I also received emails saying I was part of a Data Breach for XXXX and Experian I been going back and forth I believe since XX/XX/year> all the way up til XX/XX/year> and still nothing how could you remove something and then bring it under another collection agency or should I say sell. Sent me no validation. I sent out certified letters the first and second letter in regards to the Fair Credit Reporting Act.
Product: Debt collection

I haven't supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I presumethat no proof of the allege debt, nor therefore any XXXX such debt, in fact therefore exists
Product: Money transfer, virtual currency, or money service

Several months ago I received a letter from XXXX XXXX saying they will no longer be handling IRA accounts and I needed to roll over the money in my account. I attempted to roll it over to Citibank, where I have an IRA account. This is the email I sent to Citibank on XX/XX/XXXX when the rollover did not go through : XXXX On XX/XX/2022, I filled out rollover forms at the Citi branch on XXXX XXXX and XXXX in XXXX. This was for a rollover from my XXXX XXXX IRA to my IRA at Citibank. I was given wrong information : I was told that my SS # served as my plan number. Because I was given this wrong information, when Citi received the check for my funds from XXXX  XXXX, Citi returned the check to XXXX XXXXXXXX. XXXX XXXXXXXX re-sent the check yesterday along with the rollover forms, which still do not have my plan number. I have just found out, after spending an entire morning on the phone with Citi and XXXX XXXX, that the problem is with the lack of plan number. Attached are the rollover forms with the plan number that Citi should have given me on XX/XX/XXXX, when I was filling out the forms. Please do not compound your mistake by again returning the check to XXXX XXXX when you receive it. Please process the check with the attached rollover forms, which contain the plan number. My funds have been in limbo coming up on XXXX months because Citi did not give me correct information. This is unacceptable. Please contact me if you have any questions. Thank you, XXXX XXXX This is the email I sent to XXXX XXXXXXXX on XX/XX/XXXX : XXXX Attached is the updated and corrected paperwork for my IRA rollover to Citibank. The plan number on the original paperwork was incorrect. Citibank had originally told me that the plan number was the same as my SS #. It's not. They returned the check to XXXX XXXXXXXX and XXXX XXXXXXXX sent out the check again, I think last Thursday or Friday, again with the incorrect plan number. I sent the corrected paperwork to Citibank, but they don't know if they'll be able to match it with the check when it arrives. They will probably return the check again. If they do, now you have the correct paperwork to resubmit a 3rd time. This comedy of errors has been going on almost 2 months, and consequently my money has been in limbo for those two months. XXXX XXXX should not have resent the check to Citibank without contacting me and letting me know that there was incorrect information on the rollover papers. Should the check be returned a 2nd time, I urge you to overnight it to Citibank with the corrected papers. And I should not be charged for the overnight delivery fee, as this could have been corrected when the check was returned the first time. Thank you, XXXX XXXX It is now more than 1 month since my XXXX XXXX IRA was closed and my retirement money, {$150000.00}, has been in limbo. Citibank says they never received the check, can do nothing, and can tell me nothing. XXXX XXXX will not provide me with the documentation that shows Citibank returned the check. They say they are investigating and it will take time.
Product: Vehicle loan or lease

My signature. I never legally signed the XXXX XXXX Contract and XXXX  Agreement and XXXX  XXXX  Agreement. Its a digital signature that they provide when they dropped off the car. I know that XXXX and XXXX acts there are for major requirements for an electronic signature to be recognized as legal under U.S. law. And that is the Intent to sign, consent to do business electronically, clear signature associations and record retention. This is for the State of XXXX XXXX.
Product: Debt collection

Residences at XXXX sent me an eviction notice XX/XX/2022 with a vacate date of XX/XX/2022. 

In XX/XX/2022 I paid the company through EFT ( bank statement attached ), the pro rated portion of the rent owed through XX/XX/2022 accounting for the {$500.00} security deposit that was withheld post eviction, totaling {$1400.00}. 

Per the notice attached I owed, {$1400.00}. 

Bottom line, I don't owe anything other than {$36.00}