23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A valid Notice to rescission under TILA was sent on XX/XX/XXXX. 

All party 's did not unwind the alleged transaction, nor did they start according the REG Z, XXXX and XXXX. No court vacated the Rescission. They been operating as if the Note, Loan and Mortgage is valid. It is Not. Sent again on XX/XX/XXXX. No law suit to challenge the Notice of TILA Rescission has every been filed against me.
Product: Mortgage

I 'm having issue with ocwen loan servicing, my name is XXXX XXXX loan number is. XXXX. 
For some reason payment did n't go through for the month of XX/XX/2017 even thought payments are Being automatically deduct from my account every month, now I 'm trying to find out why This happened and I ca n't even access my account anymore, and it tells me to call XXXX XXXX, which I keep calling and leaving messages because person not answering and at this point every day that goes by I will be one more day behind on payment. 
Keep calling customer services as well and they say they can not do anything till I speak with this person XXXX XXXX.his phone number is XXXX
Product: Debt collection

XXXX   XXXX   XXXX  Attorney at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.
Product: Checking or savings account

On XXXX XXXX XXXX there was fraudulent charges that accrued that with my chase savings account. XXXX dollars then another XXXX dollars where transferred from my savings to checking account that wasn't authorized by me. I called XXXX claim dept to report the fraudulent charges, but the claim dept. said the couldn't file claim because charges where still pending even though I explained to them that I didn't authorize any of them. So, I asked them to notate account for account purposes. After 3-4 days waiting for transaction to clear I called the claim team again to report claim. It took me two more days to speak to someone who know anything about claim after talking with several departments with no progress on claim. I was told by several rep 's that claim was filed and accounts notated for fraud. After, two days of getting no information or confirmation I was told by one claim rep that they was not trained to handle the claim, so I asked for Supervisor and again no information was able to be given about account. The next day I call claim dept. again and spoke with Supervisor which verified the claim was valid and that I would receive a letter in mail about the account progress. Three weeks later I received notice about letter on account which didn't address all transactions. I called Chase claim dept for update status and the told me that transaction were debt and online so I had to distinguish between the two accounts. Which was pretty easy for Saving account. I faxed all reports to claim as requested. Also, a new savings account was opened and online fraud happened with that account. Am currently leaving account open so they try and delete any letters associated with but no money is being deposited in account any longer. I was remove any money from new savings to pursue this claim.
Product: Credit reporting or other personal consumer reports

I surrendered this vehicle over to the company CREDIT ACCEPTANCE in XX/XX/year>. 

Since then, the company has continuously reported on my credit monthly as though the account is still open. 

The ending balance sent to my by CREDIT ACCEPTANCE is {$15000.00}. 
The most recent balance reported shows as {$16000.00}. They increase the balance every month, for an account that has been closed via voluntary repossession. 

The account is also reporting as an open account on my XXXX report. 

CREDIT ACCEPTANCE sold me the car at an extremely high interest rate, making it difficult to pay the loan off. After over a year of paying a never ending balance, I surrendered the car, yet CREDIT ACCEPTANCE is still tormenting me.
Product: Credit reporting or other personal consumer reports

Since the beginning of XX/XX/year>, I have been trying to get XXXX XXXX and Equifax to Delete the misspelling of my name and the Multiple Address on my Credit report. I have asked for proof of such a document with my sole name, and they still need to provide the original promissory note with my wet signature and an audit trail of all documents regarding any account. This company has yet to give me proper information. They have only responded by sending an itemized statement that does not have my XXXX XXXX. These debt collectors engaged in deceptive and unfair practices of the FDCPA, which it prohibits. Two parties signed a legal contract, and I did not participate in any of them. More so, they should have bothered to Verify the proper 5-step validation procedure, which makes this an unfair practice. According to the FDCPA, I'm entitled to XXXX dollars per violation, and clearly, they violated my rights.
Product: Checking or savings account

Good afternoon, I have been a victim of Identity Theft and have tried pleading with Navy Federal to please open an investigation on my claims. 

I have submitted necessary paperwork that outlines my identity theft and I have even shown them the eviction I am facing due to the identity theft. 

Please have them return my mom or I'm going to be homeless. 

Please help me, what they're doing is illegal and shouldn't be taken lightly.
Product: Credit reporting or other personal consumer reports

I am a victim of data breach, in which my personal information was exposed. As a result of this breach, I am requesting that any fraudulent accounts opened in my name be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Specifically, I request that ( Credit Bureau ) block and delete : XXXX XXXX -- - Balance {$9200.00} This account was opened or created as a result of identity theft or unauthorized use of my personal information. I believe this account is a direct consequence of the data breach and should be promptly addressed.

To support my request, I have enclosed the following documentation : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). A copy of my government-issued identification, Proof of address, Affidavit, and Any other required documents for verifying my identity and the fraudulent activity.

Please take the necessary steps to block and delete this fraudulent account associated with identity theft from my credit file. In accordance with the FCRA, I request written confirmation that these actions have been completed and that my credit report has been updated accordingly
Product: Credit reporting or other personal consumer reports

I have submitted to all both XXXX and Transunion my notarized payoff letter and title from XXXX proving my account can not be in charge off status and to remove immediately. XXXX  months later I just keep getting the run around. XXXX has complied and removed the account. At this point both XXXX and Transunion are in violation of numerous section of US Code 15. I just ask that the credit reports update accurately.
Product: Checking or savings account

I opened new checking and savings accounts because Chase sent me an email about the promotion for bonus. I then transferred my money from XXXX different bank accounts under my name to Chase. I also deposited XXXX check written by my mom. And then they locked my account and held my fund. This is ridiculous because the money would have been perfectly in safe accounts in my other banks if I had not moved them to Chase because of their promotion. And now they refused to release my money which is legally my money! 

When asking if they think the deposited check was having issue, why didn't they refuse the check? They now took the money from my mom 's account and held it as theirs! 
This is a scam for such a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding a consumer credit transaction with your company. I demand that you Cease and Desist from disclosing/reporting any of my old/new " nonpublic personal information '' with all " nonaffiliated third parties '', which includes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 6801 ( a ) XXXX states : " ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Please be advised that you have a legal obligation to protect and not share my nonpublic personal information. 

" Nonaffiliated Third Party '' Defined : The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, '' Furthermore, I Do not and have never given your company consent to share my nonpublic personal information, and should there be an " Non-disclosure '' clause in your agreement/contract giving you the option to share my nonpublic personal information, I am demanding that your company provide me with the original unaltered agreement/contract with said clause included so that I can opt-out of your sharing of my nonpublic personal information. 

Per 15 USC 6802 - Obligations with respect to disclosures of personal information Before you shared my nonpublic personal information with nonaffiliated third parties, you were obligated to A ) provide me with a physical or electronic notice informing me that my nonpublic personal information may be shared with nonaffiliated third parties, B ) Give me an opportunity, BEFORE such information was shared to direct that such information not be shared AND C ) Provide me with an explanation on how I can exercise such nondisclosure option. 

With that being said, you infringed upon my privacy, violated several federal laws and took advantage of me by not informing me of my rights. Due to your negligence and furnishing/reporting of my nonpublic personal information to nonaffiliated third parties such as XXXX, XXXX and XXXX, I have been damaged, embarrassed and forced to miss out on personal and business opportunities. I hereby demand that all negative information ( E.g. Late payments, payment status, status, remarks ) regarding the account referenced below be removed and updated to Paid on time, Paid as agreed etc. 
account number " XXXX ''. Should you accept my demand, I will not escalate this matter further to a federal complaint and or suit. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Credit Acceptance Corporation has notated on my credit report that it was a Repossession/Foreclosure. That information is incorrect I never had a Foreclosure I never own any property. However, if I was to use my GI Bill and to purchase a home the word Florclosure could prevent me from purchasing a home. As a matter of fact, it is preventing me from purchasing a home. 

I would like Credit Acceptance Corp to remove the word Florclosure from my credit report because it's misleading it seems like I could have had a Foreclosure when I had a repossession. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Attorney General of XXXX  I, XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX Account Number : XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

2. Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX, Account name XXXX, XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account name XXXX, XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name 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 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 or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

First, the way you have this configured to select from a few options is insufficient to categorize my claim. I don't believe this methodology yields effective data given how individualized circumstances may be. Nevertheless. 

I owe the " lending company '' Affirm around XXXX XXXX I have every intention to pay this in no more than 3 months at the longest. The problem is that they call me from odd numbers. In XXXX case they called from a number with an XXXX XXXX Zip code ; a zip code I as an individual, normally associates with the capital of my state and the location to which my tax dollars go. I am unaware of any Affirm location in the XXXX XXXX XXXX XXXX XXXX. The call is essentially spoofed ; leaving me no way to determine who or what entity I am speaking with. 

Case # XXXX - Same thing. Occurred today ( XXXX XXXX XXXX  ) around XXXX XXXX XXXX. I get a call with a caller ID of " XXXXXXXX XXXX XXXX Displayed exactly as such, calling from XXXX ( XXXX ) XXXX. Another different number and with an obscure caller ID. Interested, I picked up. They claim they are a representative of Affirm and ask if I am [ Full First Legal Name ], [ Full Legal Last Name ]. I ask who I am speaking with and that I can neither confirm nor deny those details until I know who I am speaking with, and the matter this call is concerning. They say affirm and I ask them why their caller ID is labeling this number as such. They have no explanation and in the same breath proceed to pry me for information. I ask how I can even determine that who I am speaking with on the other line is in fact who they say they are. After XXXX iterations of refusing to elaborate on their end, the representative informs me that he has to disconnect the call. No Obscenities or Profane language were used. Just questions that are derived from critical thinking. As stated, I have no intention to not rectify the minuscule debt owed to affirm, however I do believe that this practice of using numbers identified as gibberish while not allowing lenders to ask simple questions is a burden to society. All this does is reinforce bad habits that often lead to identity theft. This is the second time I have been unable to confirm what company is contacting me so I have had enough of the nonsense.
Product: Credit reporting

Experian would not let me authenticate my credit account so I can review it for inaccuracies. The woman I spoke to on the phone said I would have to pay XXXX dollars a month in order to view what is reporting on their data, and dispute it, which is illegal.
Product: Checking or savings account

On XX/XX/2023 at XXXX I attempted to take {$500.00} out of the ATM at Citibank at XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX The machine shut down during the transaction and I did not receive my money. I reported it to the bank immediately and was told they were not responsible for the ATM since it was the drive up and not inside the building and that I had to report it to customer service since my account was debited the {$500.00}. At XXXX, I then successfully took {$500.00} out of the ATM inside the building, so there are 2 debits from my account on that day. I contacted customer service that day, but despite numerous conversations with the bank, customer service and the executive response team I was repeatedly told there was no discrepancy in the cash that day so I was lying and my money would not be returned. I filed a claim with XXXX XXXX XXXX XXXX as well as with the FTC, but have still not have my money returned. I requested that Citibank review the video at the ATM from that day but was told that information was not available without a subpoena. The executive response team informed me that I am at the end of the line and my money will not be returned I needed to stop trying to get my money back. 

All of this information has been shared with Citibank numerous times, but the response is the same. We are not responsible for the ATM outside the building.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE CARD did  n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a s mall claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX ,  XXXX   XXXX   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Product: Debt collection

XXXX XXXX XXXX wrongfully reported a timely and fully paid damage claim to their designated collection agency ( Transworld Systems Inc. ) Without success, I notified both, XXXX XXXX and Transworld Systems Inc. on XX/XX/2023, and on XX/XX/2023, by telephone and written letters, respectively. A canceled check, referencing the final payment was negotiated on XX/XX/2023. A letter was received on XX/XX/2023, from XXXX XXXX that the document subject claim was fully paid and the claim is closed. Yet, XXXX XXXX and Transworld Systems Inc., fail to update their database to show that the claim was timely paid and any collection agency action, including reporting the claim to credit bureau reporting agencies.
Product: Money transfer, virtual currency, or money service

Between XXXX - XXXX I've had unauthorized zelle payments debited from my account. The bank fought against me but eventually the funds were returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried contacting XXXX to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : .XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$500.00}
Product: Vehicle loan or lease

Every day for the last two weeks Fifth Third bank calls from number XXXX between XXXX. They never leave messages and often do not respond back when I answer " Hello '' When I finally spoke with the caller one day last week, they requested personal information from me including my DOB and last four of my SSN. When I asked them why they needed it, they said it was for verification of contact information for an auto loan which my wife and I have for her car. They said alternatively I could give this information at one of their branches. I said " fine, I don't give that information out over the phone, especially for the stupid reason which they stated. '' They already have all of the required information from us. We are current on this loan, have never missed a payment and have an excellent credit rating. These calls need to stop.
Product: Credit card or prepaid card

I signed up with Capital One for a secured credit card in XX/XX/XXXX under the terms that after 12 months of on time payments, the card would be upgraded to unsecured and I would receive my security deposit back. 
I have been calling since XX/XX/XXXX and they keep telling me there's nothing they can do. They told me to apply for a new card ( which would damage my credit that I have worked so hard to build ) they also said tonight that at the time I signed up there was that offer but right now that offer doesn't exist.. so nothing I can do except close it to get my deposit back. They completely mislead me. Had i known this I NEVER would have signed up. I just want to be upgraded as I was promised and my deposit {$500.00} returned. My balance right now is XXXX which will be paid Tuesday. It is wrong for a lender to do this to people. Please help.. my credit is very important to me as I work very hard to maintain my status. Thank you, kindly. This issue with Capital One should not even be an issue. It's not right!