23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear  XXXX  : We have reason to believe that the  Organization ru n by  XXXX .  XXXX , at the same address of the Notary below,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX , apparently is impersonating the   XXXX   XXXX   XXXX   XXXX ,  XXXX , acting as Trustee fo r    XXXX   XXXX   XXXX   XXXX   at  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , OK  XXXX , alleging to file an Assignment of Deed of Trust on or about  XXXX / XXXX / XXXX  on the title of my property at  XXXX   XXXX   XXXX   XXXX , in  XXXX , CA  XXXX , claiming that a person named  XXXX   XXXX   XXXX ,  V.P. of Caliber Home Loans, Inc.,  acting as the Attorney in Fact of  XXXX   XXXX   XXXX   (  Now defunct ), FKA   XXXX   XXXX   XXXX   XXXX    SOMETIMES KNOWN AS    XXXX   XXXX   XXXX   XXXX   ( Now also defunct ), allegedly transferring the deed of trust to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    AS NOMINEE FOR    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , ITS SUCCESSORS AND ASSIGNS, ( Filed Chapter  XXXX  Bankruptcy in New York ) and Truste ee    XXXX   XXXX   XXXX   XXXX  , allegedly signed by the below referenced Notary Public of the State of Texas on  XXXX / XXXX / XXXX  working for the same company as  XXXX .  XXXX , at the same address of the Notary below,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX , on behalf of   XXXX   XXXX   XXXX   XXXX   have created and recorded a fraudulent document on the title of my property. We believe this to all be carried out in fraud and have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and they have asked us to contact you directly for further investigation regarding this document. Notary : Name :  XXXX   XXXX  - ID :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  Expires :  XXXX   XXXX ,  XXXX   County :    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  History As Effective Expire Date Commissioned Notary Public  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  Commissioned Notary Public  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX .     This group of Companies has yet to explain how they have obtained a note signed with  XXXX  Mortgage and was included in the  RESCAP Chapter   XXXX  Bankruptcy filed in New York, which is still on going. I have made all payments to principal since  XXXX  and they have not been applied correctly and left in a pending account. They have does this purposedly in violation of RESPA, FDCPA,  RICO,   etc. in order to keep the debt alive when actually it was paid off years ago.     Please investigate this matter as soon as possible since we have reason to believe it is all fraudulent and included in the document created with the purpose of acting unlawfully against my property by  XXXX    XXXX   XXXX   XXXX  , and  CALIBER HOME  LOANS, etc.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency Transunion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX & XXXX - XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/1992 SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX
Product: Checking or savings account

To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Chase Business Account Claim Department in Texas Dear CFPB, I am writing to file a complaint against the Chase Business Account Claim Department located in Texas. Since the beginning of this year, they have been engaging in questionable practices that have greatly affected my business operations. 

My company officially started its commercial activities earlier this year and set up a website, requiring the purchase of various internet-related services. Suddenly, several domestic service providers in the United States, including the Chase Claim Department, seemed to have colluded against me. In the end, I had to set up the website 's server to a company in XXXX to run it normally. They either refused to provide services or, when they did, the services were all open source and were immediately canceled by me. However, they immediately joined forces to siphon funds from my account. This includes clear evidence in the form of emails and receipts showing payments made to the other party. My company has not received a single cent in its Chase account, and they transferred the funds directly to the companies providing the canceled services. 

From that moment on, Chase 's Business Account stopped depositing any payments to my account, and they have been withholding refunds and payments I have made for over a year. Additionally, this Department has colluded with other businesses to steal money from my account. I have provided evidence showing that these businesses did not provide any services, and their services were supposed to be free for 30 days. I only tried their services for a couple of hours and canceled within that timeframe. However, there have been multiple instances where they took my money and refused to refund it. It appears that they are returning the funds to the service providers, and I have been unable to recover these amounts. 

The main reason for these issues is that at the beginning of the year, I started various commercial activities, and I may need to try out new projects. Therefore, I experimented with several businesses, but Chase 's account handling department kept returning my money to the service providers and refused to help me recover it. They seemed to be aiding these businesses in stealing money from my account. This eventually led me to change the server settings for my website to ensure normal operations. 

I kindly request that the CFPB investigate these practices by the Chase Business Account Claim Department in Texas and take appropriate action to rectify the situation. I believe that their actions are unethical and detrimental to my business operations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a US Bank credit card on XX/XX/XXXX of XX/XX/XXXX to pay for college textbooks. I went into US Bank back in XXXX of XX/XX/XXXX to try and pay whatever the remaining balance was. They told me the balance owed was {$210.00} but that I had to call the credit card recovery number and pay them. I called and talked to XXXX and paid what I was told was due but was not made aware there were fees and other added interest. And now there are saying I owe {$320.00} but I cant pay it today because my account is in transition that I have to call back tomorrow and pay it and it wont show for 15 days and then another month after that for my credit score.
Product: Debt collection

Capital One is reporting false wrong information to my credit reporting regarding XXXX XXXX credit card. The company offered me a settlement offer back in XXXX of XXXX. The settlement offer was for XXXX payments in the amount of {$90.00} by XX/XX/XXXX, giving a total of {$270.00}. 

All three payment were made, and the company have negative information on my credit report saying I owe them three different amounts on all three credit reports. By the fair credit reporting act, they must remove this from my credit due to the error of reporting.
Product: Debt collection

I got a letter from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX They said they are collecting a debt of {$710.00} and if I do n't pay it they ill report it to Credit Bureaus. They did n't tell me what the debt is from. When I called the number on the bill it went to voice mail. I 'm not sure if this is a legitimate company. I googled the name of the company and found another number to contact them. Gave them the reference number on the letter representative wanted my social security number, which I refused to give it to him. He said he ca n't help me if I do n't give it to him. I said I do n't know if this is a legit company. He transferred me, the next person verified my social and said they will send a more detailed report.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the numerous attempts I have made to correct a late open account and remove a charge-off from my credit report. Despite persistent efforts to rectify these matters, they persist on my credit report, adversely affecting my creditworthiness and financial standing. 

Despite my persistent and genuine efforts to rectify these issues in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, the late open account and charge-off continue to tarnish my credit report. 

I respectfully request the following actions be taken promptly : A comprehensive and immediate investigation into both the late open account and charge-off, including thorough validation of their accuracy with the creditors. 

If the items are found to be inaccurate, their immediate correction or removal from my credit report. 

A written acknowledgment from your agency confirming the correction of my credit report once the issues have been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. Timely resolution of such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify these situations promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/year> - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXXXXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Debt collection

MACYS/ CITIBANK is a charge card that is currently a closed/ charged off account but it is still reporting credit utilization against my credit. The credit limit was {$600.00} but they are reporting {$880.00}. 
My understanding is that if its a charged off account and its an uncollectible debt then why or how is it still reporting as if I am still using this card. 
I was also told by the debt collection agency MACYS/ CITIBANK that the debt has passed statue of limitation. So, Ive been wondering why cant they remove this from my credit?
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2019 at a XXXX hotel in XXXX XXXX, NV. We were conned in opening a timeshare with the promise that we can pay the total amount in 24 months, 0 interest. 

On XX/XX/2019, we received a statement from a company " XXXX XXXX. '' At first I did not know about this company as I was expecting that I will be billed by XXXX. Apparently, they are the one handling our loan. 

On the bill, it states that we need to pay on XX/XX/2019, however, on our membership agreement, it states that we need to pay our first installment on XX/XX/2019. We just let it pass and pay the minimum installment. 

Between XXXX to XX/XX/2019, " XXXX XXXX '' charged us {$2.00} fee, twice without any reason. In addition the statement says that we need to pay our balance by XX/XX/2019, otherwise they will charge us with interest. 

I reached out with " XXXX XXXX '' which is owned by XXXX to file a complaint and told them that that is not right as the membership agreement said that we won't be charged with interest at anytime during the 24 month period. However they did not addressed my concern and just gave me typical canned response. 

Fast forward to XX/XX/2019, I received a billing statement with an interest charge of {$350.00}. This is totally in contradiction to what is written on the membership agreement. 

Hopefully our story might be lesson to anyone thinking about getting a timeshare from XXXX or even opening an account with XXXX, they are horrible companies. Stay away from them.
Product: Mortgage

This is a second complaint. In regard to your letter of respectfully declining my request for compensation. Let me list the errors of your bank. First Error : loan was paid in full however you bank did not release the lien. Second Error : I went to Chase Bank in XXXX KY on XX/XX/XXXX then my lawyer contacted you XX/XX/XXXX because it was not resolved properly. Also by the time it was received and processed it was XX/XX/XXXX. Third Error : Your bank lost the paperwork not my lawyer nor myself. Fourth Error : It should never have take from XX/XX/XXXX until XX/XX/XXXX to research and resolve this issue. Therefore Chase Bank is the proximate cause of loses in the amount of {$2000.00}. This amount is in line with small claims so, if you don't resolve this I will file in small claims court in XXXX XXXX KY.
Product: Money transfer, virtual currency, or money service

I lost out on money an doing business with cash app put me behind an they even lock me out of my account after with no real explanation no way to resolve an on top of that I was violate my consumer right 15 usc 1682
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion both responded with verified without providing verification information. Contacted them both via Certified mail on XX/XX/. The tracking number is XXXX and XXXX. 

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. 

XXXX XXXX XXXX XXXXXXXX {$5200.00}, XXXX XXXX XXXX XXXXXXXX {$450.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has added late payments to my credit report for an old account as retaliation. This account has been inactive since XXXX and added late payments for 2 months in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX XXXX  was not a past due, I am paying it faithfully..I take care of my bills and pay these creditors on time.. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the late payments from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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.

15 U.S.C 1692 Section 806 Section 5. States- Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 U.S.C 1692b Section 5. States- not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692b Section 2. States- ( 2 ) not state that such consumer owes any debt 15 U.S.C 1692 Section 805 Section A. States ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 Section 805 Section C. States ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication
Product: Bank account or service

There was fraudulent activity on my account where I had money ACH transferred out of my Capital One savings account into some prepaid debit card account. I made the calm to Capital One, I never head from the investigator even though I left multiple voicemails and a few months later I got a letter saying my claim was denied.
Product: Credit reporting or other personal consumer reports

Ive tired reaching out through you all and through the credit department, nobody is helping me in this matter from someone constantly using my credit and keep giving me hard inquiries also premier auto credit keeps saying that this information is correct which its not. Im not giving up with the reporting false information on my credit for years ago when they know in fact that its inaccurate. I will hire a lawyer and sue them if I have to
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and no reply from the companies involved.
Product: Mortgage

XX/XX/22 XXXX am rocket mortgage called my cell phone. I did not answer as I was at work. The number that called me was XXXX. One minute later the secretary said rocket mortgage was on the phone asking for me. My work number. I answer thinking something must be wrong. Rocket mortgage just bought my loan so I was hoping something wasnt wrong. Nope!!!!! It was a sales call. Refinance. The girl said that this was the number she was given. I was very very angry and stated that she has my info because I had to give my work number when I applied for my loan years ago. Again I was furious. Sales calls at work is absolutely out of line. I understand that this is probably not a big deal considering the complaints you get but I needed to notify someone due to the fact that I am a XXXX XXXX I work in a XXXX taking care of very sick patients and COVID patients. The hospital like most is short staffed and the stress level is beyond comprehension to someone who works from home selling loans. I am still beside myself because it is in my mortgage paperwork where I work and the girl who called me called me at work knowing it is a hospital. I know collection companies are not supposed to call people at work. I am not sure if your mortgage company to whom you are in excellent standing are supposed call you at your place of business to sell you refinance loans. Thank you. XXXX XXXX XXXX. 

Ps I have not contacted rocket mortgage for any services whatsoever. My loan was sold to them. This is the only reason they have my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a payment XX/XX/2021 and paid in full to a rep who did not stop card so the interest fee made my late fees occur. Months later they fixed the issue but it had already affected my credit report and they will not fix that. They did fix the card fee portion.