23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I'm a victim of an illegal foreclosure. 

I'm supposed to evicted on XX/XX/2020 Attached is the illegal process that have taken place. Also attached is sheriff deed and statements from the attorney 's. No one will submit proof that my house was paid for at auction or any time afterward. The only statements that the attorney 's and sheriff will say is that a highest bidder won the bid. I've requested proof from the sheriff and the bidder that my house was paid for. So far as up to date no one has submitted proof or signed a certified affidavit to verify that my house was paid for.
Product: Checking or savings account

I bank with US bank. I get a direct deposit bi weekly. My money I was told is directly accessible once deposited. 
My deposit was sent on XX/XX/20 and received in the account on XX/XX/20. My deposit was for {$1100.00}. Plus I had like XXXX in the account as well. 
Saturday XX/XX/20 my wife and I went had a dinner drinks and went to the movies we spent about {$120.00}. Plus fast food for XXXX  bucks. 
Sunday XX/XX/20 I purchased these items Gas XXXX XXXX  for XXXX Firewood XXXX So Sunday goes into Monday XX/XX/20 and I went to work I ordered a energy drink from the vending machine XXXX bucks. Prescription medication {$21.00} Its tues XXXX XXXX XX/XX/20 My account balance is XXXX I XXXX my landlord XXXX at XXXX leaving me a balance of XXXX  bucks. Ashamed I ask family member to XXXX  me XXXX and they send it to me at XXXX. So my account should be XXXX. At XXXX that day I got a notification that I was at a balance of XXXX. Then another for -1. Then another for XXXX..all the notifications are at XXXX. So I look and my account is crazy overdrawn XXXX and my XXXX is still pending for XXXX and the XXXX XXXX XXXX went into my account and the transactions are all out of order and my account itself is totally different from what it looked like Tuesday XXXX XXXX  and also some transactions were not there yet but I got notifications that the transaction happened. I got 6 overdraft fees and my transactions were deducted all out of order my XXXX XXXX was done last. I called the bank I was told I was overdrawn on Sunday. Then I went to the bank and was made a fool of when I showed all the inconsistencies from their online banking to the notifications and balance alert notification. All failed. They gave me a paper to explain it all..and it didnt. 
On Sunday I went from XXXX to XXXX with out explanation. Some more transactions are done dropping it more with 4 overdraft fees then on XX/XX/XXXX..My account is at XXXX overdraft fees are deducted plus another two more are added on top of those. At the the end Im XXXX ..I need some help please and they have done this multiple times. Im not rich and have a family to support. Thank you in advance.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns and file a complaint on Zelle, particularly in the recent CFPB lawsuit highlighting the issues with the company, despite making claims in the past the company has refused to refund funds since they said they dont allow it, they failed to investigate my claims appropriately, clearly stated by the CFPB Zelle has neglected its costumers and hasnt taken action to investigate its customers claims.
Product: Money transfer, virtual currency, or money service

In XX/XX/2022 XXXX XXXX was seeking Rental options. Her current lease at that time was expiring in XXXX XXXX XXXX. Using the XXXX market app as her primary resource. Like many social media apps, her new searches generated the XXXX for additional renal postings. Allowing her to be targeted by potential scam listings. 
After a few inquiries she was contacted via email. The owner of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX by the name XXXX. XXXX XXXX. They corresponded and agreed to a lease. Copies were sent via email. The owner was unavailable to show the house. The lease sippulated she was to send a deposit via XXXX XXXX  The lease stipulated the deposit was required to obtain the keys. The deposit funds were fully refundable should the leaser feel the home was not to her liking. 
Using caution, she inquired additional information from her bank before initiating the XXXX XXXX XXXX  The app is generated through Wells Fargo. Both Wells Fargo and XXXX company have anti fraud protection clauses on their websites. 
The money was funded using her debit card to fund the XXXX XXXX XXXX She sent the funds on the same day. Confirmed by reference number XXXX A week later she still had not received the keys or the requested paper lease documents. A search on the provided XXXX XXXX tracking number revealed the package slip was generated and paid. But not sent per customer request. It had become apparent she was the victim of a fraudulent offer. 
She filed a complaint/ dispute with Wells Fargo XXXX Claim number XXXX On XX/XX/2022 she received a denial letter from Wells Fargo claims dept. The investigator stated Wells Fargo is unable to track or refund any XXXX XXXX transactions. Full disregard for Wells Fargo anti fraud policy. Nor would she take accountability for the case as a debit card transaction. 
She received the same reposes when attempting to contact XXXX customer service directly. 
A complaint was filed through the FBI for cyber crime violations. Currently under review
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX  ) as supporting evidence of my identity theft claim. Pursuant to 15 U.S.C. 1681c-2, when a c
onsumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above. 
Written confirmation of the removal of the fraudulent information. 
Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Mortgage

I purchased my home XX/XX/XXXX. Property taxes were high XXXX {$1800.00} XXXX because no one had occupied the home for about a year. Last month, I noticed that my mortgage payment with Freedom Mortgage drastically increased for the XXXX billing period. It went from {$820.00} to {$1000.00}. They said it was from property taxes. They had based their escrow analysis on last year 's property taxes, which were much higher than they are this year because I filed for the homestead exemption XX/XX/XXXX. Property taxes for this year are {$830.00}. I called and they stated to fax in the estimated taxes for this year. I went to XXXX XXXX tax assessor 's office and they gave me a print-out of the estimate and I faxed it in. I called about 2 weeks later checking on the status ( on XXXX XXXX ). They stated that the estimate was " incomplete '', so it could not be processed, even though it had all the necessary information regarding my home and taxes. By that time I had received the actual property tax bill, so I sent in the bill along with the form from my tax assessor 's office stating that I had filed for homestead last year. I explained to the representative that the extra cost on my mortgage payment was placing a financial hardship on my family. The representative stated that she could have the escrow waved for XXXX and would have that tax information expedited in order to get my taxes corrected ASAP. She stated that I could pay my normal payment for XXXX, which was {$810.00}. She took my payment over the phone. XX/XX/XXXX I called to check on the status. The representative stated that she could not see where the tax dept received any of my information ( basically nothing had been done XXXX. She stated she looked up the bill on XXXX XXXX tax department 's website and would put that on file and make sure it got the the tax department. She stated that Freedom Mortgage could not accept my payment made XX/XX/XXXX as a full payment, that I needed to pay the remainder of {$210.00} today for my loan to be current or else I would incur late fees. I made the payment over the phone XX/XX/XXXX. She stated that I would more than likely have to pay the {$1000.00} in XXXX as well. She stated there was no way around it. My complaint is that this should have been taken care of the first time when I sent in the property tax information that came directly from my tax assessor 's office. This is the third time that property taxes have been sent to the tax department, the first 2 times were unsuccessful ; I am hoping the third time 's the charm. I can not afford the extra {$210.00} tacked on to my mortgage payment for an error/carelessness on THEIR side. Every time I call I just wonder if something is actually going to be done or if I am going to find out in 2 weeks that nothing was taken care of. They are probably prolonging this so they can get more money from me.
Product: Credit card or prepaid card

I 've had a capital one credit card for over XXXX years and my annual fee just posted this month. I 've been trying to product change or downgrade the card to a card without an annual fee but they keep saying that it is not an option. I do n't want to pay an annual fee for a card that I do n't use often. I do n't want to close the account because it is my oldest line of credit.
Product: Credit card

Working to resolve and pay my bill but going through financial hardships now and company will not assist me.
Product: Credit reporting or other personal consumer reports

I have never applied nor perform services or business with XXXX XXXX XXXX yet there is an inquiry on my credit report dated XX/XX/2022. I am asking for a signed copy of the application along with a copy of my drivers license and removal of the inquiry.
Product: Vehicle loan or lease

I am submitting this complaint regarding the lack of transparency and clarity in Bridgecrest 's loan servicing process, particularly concerning payment extension options. 

XXXX - I attempted to locate a copy of my signed loan documents on the Bridgecrest website to understand my options in case I couldn't make an upcoming payment of {$580.00}, which is due on the XXXX. However, I was unable to find my documents on the website. 

While exploring the customer support page, I came across the " skip a payment '' option. I called the provided customer service number ( XXXX ) for more details. the first representative informed me that I would qualify for this option since I had made six consecutive payments. However, I was then transferred to the payment department, where I was told that I did not qualify because I wasn't past due on my account. 

This information is contradictory and misleading. The website does not mention that a borrower must be past due to qualify for a payment extension. It simply provides an example of how the option works, without clearly outlining the qualifications or requirements. This lack of transparency is concerning, especially when I am actively trying to manage my loan responsibly and avoid delinquency. 

As it stands, I would need to deliberately miss a payment, incur a late fee, and then call customer service again to request the extension- all without any assurance that it will be approved. why should I be forced into delinquency to qualify for assistance? 

Furthermore, the website does not provide comprehensive or accessible information about available hardship options, and representatives seem to provide conflicting information. This lack of clarity and transparency feels deceptive and does not provide borrowers with the tools they need to manage their loans effectively.
Product: Credit reporting or other personal consumer reports

I have dispute fraudulent information through XXXX, XXXX and Equifax for fraud inquiries, accounts and addresses. I requested that all info be verified in writing at this moment I have not received any dispute results. I asked that all accounts be verified with my signature, if this can not be given, all account must be deleted.
Product: Debt collection

I have try contacting XXXX XXXX XXXX and XXXX along with original creditor as a count is stating incorrectly. creditor stated over the phone that they no longer own this account therefore they cant do anything about it. Bureaus continue to investigate and results continue to come back incorrectly. Account is stating closed {$0.00} balance {$0.00} pass due with perfect payment history and no late payments with XXXX. Yet, all three bureaus are reporting payment status as charge off with Inaccurate de last active and date last reported. Date open has changed as well. Along with missing data on date last payment yer XXXX report payment history. This is not possible!
Product: Checking or savings account

Bank of America is not honoring my claim of a fraud check worth {$3200.00}. I deposited the check on XX/XX/22 and the teller told me that the funds will be in my account after midnight. I checked my account the following day XX/XX/22 and the money is in my account. And on XX/XX/22, the bank found out that it was a counterfeit check and they took the money out from my account. Why did they put the money in my account before the check was cleared? I am a victim of a fraud check scam. Why are they not honoring my claim? Please help me. {$3200.00} is a lot of money for me.
Product: Debt collection

I am outraged by the continuous inaccurate reporting on my credit file concerning the XXXX XXXX account, despite successful resolutions with other credit bureaus.And despite my efforts, the bank has not provided any supporting records for the alleged late payments. A recent conversation with a XXXX XXXX  representative confirmed the inaccuracies, with a commitment to update my credit file. 
Account Details : Account Name & Number : XXXX XXXX XXXX Date Opened : XX/XX/year> Inaccurate Information : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXXXXXX XXXX/ XXXX  an identity theft letter from Federal Trade Commission stating I was a victim of identity theft and for them to take action in removing the charges and negative work on my credit file.The company sent me a letter back stating they denial my claim because payments were made on this account from the time the account was opened on XX/XX/XXXX up until XX/XX/XXXX, so they claim I am liable for the remaining charge of {$480.00}. Also, the company move my account to Financial Recovery Inc., who is now serving this account. I did not make those payments and further investigation need to be made with this claim. During the time this account was open and the payments were being made, I was a XXXX XXXX XXXX in XXXX, Alabama and I did not have a job or no source of income to make those payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute any and all transaction on my account that XXXX has reported with XXXX, experian and XXXX, whom are all non affiliates with XXXX XXXXXXXX, in the terms and conditions provided by XXXX XXXX they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates.

15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope.

( 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.

nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer.

Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

There's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  4 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 : {$8800.00} ; ( Collection ) XXXX Date opened XX/XX/XXXX Balance {$24.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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

I been reporting to XXXX, Equifax and XXXX  for months that a third party is reporting wrong information to them about a cancelled and close account they bought off an original creditor. The third party company is XXXX XXXX XXXX dont have no business with the third party and the account they bought was cancelled and closed due to the product being defective as a result the original account is closed. They are violating my rights by continuing to report a cancelled account as open from a third party when it is clearly closed. It was verified and they will not remove it. I dont owe any balances to this collection agency I have no business with them neither do I know who they are besides an agency trying to ruin my credibility.
Product: Debt collection

In the period of XXXX, I XXXX  in a XXXX XXXX school  called XXXX. The school  offered hands on classes, and certification post completion of classes. The school when bankrupt, and closed its doors leaving me with debt via Sallie Mae. As I was younger I did not seek legal action and just continued my monthly payments. in the period XXXX Sallie Mae transferred my loan to Navient. I continued to pay my monthly payments. In XXXX I received documentation around a class action lawsuit with Navient that I was automatically included in which would include a pardon of my loan. shortly after all navient communication stopped, my account no longer worked on their website portal as well. Information on this class action can be found here : XXXX XXXX XXXXXXXX My identify theft credit check service recently alerted me that navient has reported me delinquent to XXXX XXXX XXXX and XXXX  damaging my credit exponentially after years of no communication via mail, phone, email. I have reached out multiple times to navient via phone with no success due to extensive hold times and automated systems. 

Please advise on what I can do as a consumer, and essentially a victim of services not rendered. 

Thank you