23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : XXXX XXXX SVP Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX cC : XXXX XXXX Sr. Attorney GROUP General Counsel, XXXX XXXX XXXX XXXX , XXXX IL XXXX Cc : Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX I have filed three disputes and on XX/XX/2019 XXXX deleted it. I also contacted the the bankruptcy court listed as the furnisher of this infomation and the account and the clerk responded that it did not provide this information to XXXX  ( Letter attached ). 
XXXX have listed an inaccurate Chapter XXXX- Bankruptcy record on my file. On XX/XX/2019 I received notification via email and mail that this reporting was removed, REPORT # XXXX. Then on XX/XX/2019 - Report # XXXX & Reference # XXXX. I received notification that it was placed back on, and the Bankruptcy Chapter XXXX reporting item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from my file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Also, under the Fair Credit Reporting Act, the original furnisher under FCRA 623 ( a ) ( 8 ), must provide variable proof of evidence, provided to XXXX, conducted by a thorough investigation. If you have no proof, but state that the results of the  investigation show the negative information is accurate, then I will have XXXX  on an actionable, sue-able offense.

FCRA 611 ( a ) ( 6 ) and ( 7 ) requires XXXX  to provide me with a description of the procedure used in providing and obtaining this particular bankruptcy recorded, including if it was obtained from a third part information broker and sold to your firm. I legally have the right to see that the information that you are providing is metro-2 complaint and requires personal identifies. I have been advised by my consumer attorney, that XXXX IS REQUIRED by the National Consumer Assistance Plan provisions to ensure that each public record does not create a mixed file circumstance, which I believe has happened in my case.

FCRA Section 611 ( a ) ( 2 ) also requires XXXX to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy showing on my credit report that you maintain under my social security number. As well as Section 611 ( a ) ( 1 ) ( A ), requiring XXXX, by federal law to verify- through physical verification of the furnishers information you have listed on any filings on my credit report associated with every account.
Product: Prepaid card

On or about XX/XX/XXXX I noticed XXXX fraudulent transactions showing on my account [ ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn or about XX/XX/XXXX, ONBE ( card issuer ; aka MyPaymentVault ) acknowledged receipt of my request for a fraud investigation regarding the XXXX listed charges. 

On or about XX/XX/XXXX, ONBE sent a message to me stating that their investigation was complete and that they had issued a fraud payment to me in the amount of {$74.00}. They stated that they found the charges at XXXX XXXX and XXXX XXXX  were made fraudulently, but that the charges at XXXX XXXX XXXX would not be reimbursed to me. 

On or about XX/XX/XXXX, I replied to the findings requesting to appeal the decision and to have ONBE ( XXXX ) forward all documents related to the investigation, ( XXXX ) provide details on how fraud was or was not determined in each transaction occurring from XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX, and ( XXXX ) re-open the investigation. 

Since my initial request to appeal, I have re-sent my demands several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and all have gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card XXXX with XXXX XXXX  was said to have been under a 2 month billing cycle extension in which the minimum payment was set to {$0.00} for the months of XXXX and XX/XX/2020. Additionally this account which already had a minute balance was paid completely as attached herein on XXXX XX/XX/2020 It is reflecting as 60 days past due on credit I have taken every reasonable remedy to rectify with XXXX XXXX  inclusive of 22 calls, 6 letters including 3 additional certified. Multiple correspondences to their executive relationships team even requesting legal and arbitration in accordance with the their terms of agreement and have yet to be provided such.

They use what they classify as a confidential shared op to communicate in relation to customer accounts and advised while they did offer the same arrangements my account appears to have multiple inaccuracies and is confusing that is not my issue. They further state the employees were provided a coaching and training as my account was handled wrong though it is accurate. It is absolutely not accurate and this has caused me significant setbacks and become way more of a hassle for a {$200.00} balance than ever needed to be for either one of us. I was a customer for 8 years never 30 days late didnt start now Additionally you shared 4 different customers personal information with me when attempting to communicate and I had to advise your executives in your own office of such there was no apology no ownership no nothing but I kept those XXXX XXXX as well and will be sharing them online and in support of my own defense to show a routine pattern of oversights. This is so disappointing because prior to such time I had good experiences with XXXX XXXX. If a customer of 8 years can face such a messy situation I hate to know what other customers must be enduring
Product: Checking or savings account

HI i close my account with citibank due to massive fraud i had on my account and there are more fraudulent ACH appear on my checking accounts in between XX/XX/2020 and XX/XX/2020 i would like for these payments to be disputed for discover bank and i would like them to be opened on my behalf and my account number is XXXX and my name is XXXX XXXX and i would like callback if possible thank you
Product: Mortgage

Ditech adjusts my bi-weekly payment to be short of a full payment, sometimes as little as {$0.00}. I currently am set-up to make 1 full payment every other week. In addition there was XXXX occassions wher there was a reallocation and the amount of the principle increased and the payment went to unapplied funds.
Product: Money transfer, virtual currency, or money service

To Whom It XXXX Concern, On XXXX XXXX I sent {$500.00} from my Citibank account to another Citibank account holder through their XXXX funds transfer service. The amount was debited from my account on XXXX XXXX, but the funds were never received by the receiving party. The XXXX transaction shows on Citibank as failed, but the {$500.00} was not returned to my account nor was it credited to the recipient. 

On XXXX XXXX I contacted Citibank via their website chat. At that point, I was told that an investigator was being assigned to look into it and would give me a call. Later that day, I received a call from the Citibank fraud department where I was told that I could not file a claim until 10 calendar days from the date I sent the transaction, as that was how long it would take XXXX to return the money. 

On XXXX XXXX, along with the receiving party, I contacted Citibank and was told that the {$500.00} should be returned to me later that week. 

On XXXX XXXX, I again contacted Citibank. This time I was told that a claim should have been filed immediately, in direct contradiction to the claim made by Citibank 's fraud department on XXXX XXXX. In attempting to file a claim with them at this point, I was told a claim had been filed on the XXXX, and I should get the money back into my account 10 days from that date. 

On XXXX XXXX, after still not having my money returned, I reached out to Citibank. After having my competence insulted by the initial customer support representative, I spoke to a supervisor. The supervisor claimed that he would expedite my request and that Citibank should be in contact with me today XXXX XXXX XXXX ). That has not happened.
Product: Vehicle loan or lease

We paid off our lease on XX/XX/2023 for the amount of {$19000.00}. We still have not received our bill of sale or title. They claim it was sent United States postal service. We never received it. After multiple monthly calls, we still have gotten nowhere.
Product: Mortgage

Who do I speak with about a short pay off? I got a payoff amount of {$73000.00}. {$43000.00} payoff would be fair from all that I have bee through with Chase Bank in 13 years of home ownership. Problems with Chase has caused great harm financially and with my health.
Product: Credit card

I recently moved and as a result changed my address on my tjx mastercard through synchrony. Since that time ( 1.5 months ), my card has been frozen along with all access to any information. No representative will tell me what is going on ; however, am being forced to pay my monthly bill without being allowed to know what the charges for the respective statement period are. I was told that I do not have to pay the bill in full and can just make the minimum monthly payment. They refuse to tell me what is going on. This is extortion
Product: Payday loan, title loan, or personal loan

I asked to skip a payment because I had car issues, the granted me the wish, when I made next payment of XXXX, none went toward loan what so ever, they never mention this to happen, I also asked them to lower interest rate from XXXX percent to something more manageable, was told could not, I either want the money back I paid that did it go for loan, it out it toward the loan
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I wanted to report Cash App. Today, my mother sent {$25.00} to an account that I can no longer access. I reached out to Cash App Support and spoke to representatives XXXX, XXXX, XXXX and the other did not disclose their name during the chat. I had all information at hand for them to either go in and reset my account or close it altogether. They asked me the reason for trying to access the account. Of course, I informed them that I had a pending amount of {$25.00} that I was trying to cash out. However, each of them on different occasions came back with the excuse they could not grant access to my account. I find it very suspicious that because they know there is money pending, they won't let me get into my own account, despite the fact, that I am able to verify my Cashtag and phone number and email associated to the account. Even worse though, is they won't even close the account upon my request. I want to be able to get the refund of {$25.00}. We are on the midst of a pandemic and can not afford to lose hard earned money. I'll never understand these so-called " security measures ''. All of this because I know longer can log into an account because I have no access to the old phone number. I feel like they are trying take advantage of the mishap and keep the money for themselves. Same thing happened when my mother contacted Cash App support to get a refund. She says the representative she spoke with was named XXXX. She also had every excuse as to why she could not refund my mother. Thieves and conniving scammers being created everyday, preying on innocent people because of this pandemic
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX  Original account : XXXX XXXXXXXX XXXX  XXXX, has violated my rights. Also Account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the to privacy. 

XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions These Accounts are also being reported inaccurately as open and as a past due accounts According to FCRA I have a right to a accurate credit report.
Product: Mortgage

Complaint against Chase Mortgage Department We received a letter dated XXXX XXXX, 2016 from Chase ; Chase had provided with copies of the correspondence letters sent to us when requesting loan assistance and mortgage assistance. 
However in any of the packages sent to us for loan modification mentioned about opening escrow accounts when applying for loan modification. It was never disclosed that just because we applied for loan modification Chase will paid in our behalf property taxes. 
We had and continue pay our property taxes and had never been late nor delinquent of it. There was never a written documentation specifiing this issued for what we strongly agreed that Chase had committee fraud and misrepresentation in regards of opening an escrow account and paying property taxes without our authorization. There were never any legal rights for it and nor XXXX XXXX and XXXX XXXX had ever agreed for Chase to allow to pay property taxes. 
At this point the borrowers XXXX XXXX and XXXX XXXX want to enter into a settlement agreement with Chase in regards to loan number ending XXXX. Since Chase had errouslly and without representation made tax payments in behalf of the borrowers without proper approval nor informed the borrowers about any of these acts ' the borrowers are now looking for a settlement in regards to this loan. 
Please notify the borrowers the amount of the settlement or legal actions to Chase and its mortgage subsidiaries will be continue. This notice will be submitted to Consumer Financial Protection Bureau and other governmental agencies.
Product: Mortgage

In early XXXX 2015 I submitted paperwork to Ocwen Mortgage Services to apply for a deed in lieu due to a situation with my XXXX year old mother that requires my presence in XXXX. I called to inquire as of the status of the application on XXXX/XXXX/15 and advised the representative in the deed in lieu department that as of XXXX XXXX the house would be vacant and suggested that they take steps to secure the property as there are several vacant homes on the street that have been vandalized the moment they were vacant. upon return home yesterday I find out from a neighbor that Ocwen Mortgage sent someone from their preservation service to change the locks on my house. I have not been approved or denied for a deed in lieu nor has foreclosure been started. All my belongings as well as my dog & XXXX cats are inside the home and I still live there at least until XXXX XXXX 2015. In addition to prematurely sending their agent to change the locks, my situation was discussed or mentioned to my neighbor which im sure is a violation of my right to privacy. I do not speak with any of my neighbors yet one saw that someone was taking pictures and inquired. He advised me that I should call the preservation company to let them know I am living in the house still and my neighbor also said " your locks are going to be changed because you are in foreclosure. '' He would have no way of knowing my situation as I keep to myself and did not want anyone to know I was leaving just because my house was already been broken into with me living there and I live alone and I am afraid. Can you please look into this and advise me what I need to do or if my rights have been violated? I have emailed Ocwen '' s Consumer Ombudsman as well as a general email for Ocwen to advise them I would contact someone to see if my rights have been violated. You may contact me at XXXX after XXXX Eastern Time if you have any further questions. 
Thank youXXXX XXXX
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 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 inaccur
ate.
Product: Credit reporting or other personal consumer reports

MOHELA has my account balance listed twice on my credit report. Which caused my credit scores to drop. I demand that this problem is fixed immediately and remove any harmful inaccuracies that affect my scores from all three bureaus
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an unauthorized inquiry from XXXX XXXX dated XXXX XXXX & JPMCB Card ServicesXXXX XXXX, which I believe to be inaccurate and unjustified. 

Furthermore, I wish to bring to your attention that my personal information has been compromised in multiple data breaches, and my data was recently discovered on the dark web. As a result, I am particularly concerned about any unauthorized access to my credit information. 

Given the circumstances, I request that the unauthorized hard inquiry be promptly removed from my credit report. I understand that under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate or unauthorized information on their credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted  Trans Union about  a collection accoun t that was placed on my account in violation of FCRA Section 623. I contested the amount ( s ) owed to the origin al debtor (  XXXX   ). A s a result,  XXXX  admitted on more than  one o ccasion that the amount sought was the direct result of  XXXX  's ongoing practice of allowing ANYONE to make changes to accounts and actions such as allowin g ANYONE enter into lease agreements on cell phone accounts without proof of authorization or account-ho lder signature. The charge is the result of a " lease cancellation fee '' for a lease I NEVER ENTERED INTO nor signed in agreement. I requested proof of the lease agreement to support the charges and  XXXX  acknowledged it had no executed lease ( and even attempted to get me to sig n one a fter-the-fact ).  XXXX  agreement to cease collections of the amount but the collections agent (  XXXX  d/b/a  XXXX   XXXX   ) placed an entry on my account despite knowledge of the ongoing dispute and failure to provide proof to substa ntiate the debt. The negative information should NOT have been allowed on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute Regarding Violations of My Rights by National Recovery Agency under Applicable Laws Dear CFPB, I am writing to formally file a complaint against National Recovery Agency for what I believe are multiple violations of my rights under federal regulations and statutes related to debt collection practices. Specifically, the actions taken by National Recovery Agency infringe upon the following provisions : Violation of 12 CFR 1006.34 ( b ) ( 5 ) This regulation requires that any written or electronic communication include clear identification of the creditor and the current balance of the debt. National Recovery Agency has failed to provide accurate and complete information regarding the debt, which has caused confusion and interfered with my ability to resolve this matter appropriately.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) According to this provision, collection notices must contain clear disclosures, including the right of the consumer to dispute the debt within a specified time frame. The collection notices I have received from National Recovery Agency did not adequately inform me of my right to dispute the debt, preventing me from taking necessary actions to protect my interests.

Violation of 12 CFR 1006.34 ( d ) Under this section, debt collectors are obligated to send a validation notice within five days of initial communication. National Recovery Agency has failed to send this required validation notice, thereby denying me the opportunity to verify the legitimacy of the alleged debt and make informed decisions.

Violation of 15 USC 1681-S 2 ( 7 ) ( A ) This section of the Fair Credit Reporting Act ( FCRA ) mandates that furnishers of information, such as collection agencies, ensure the accuracy of the information they provide to credit reporting agencies. I believe National Recovery Agency has furnished inaccurate information to the credit bureaus without properly investigating my disputes, causing harm to my credit profile and violating my rights under this law.

As a result of these violations, I have experienced undue stress, potential damage to my credit standing, and interference with my ability to exercise my legal rights. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that National Recovery Agency complies with the applicable laws. 

I look forward to your prompt attention to this complaint. Please feel free to contact me if you require any additional information or documentation. 

Sincerely, XXXX XXXX