23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. XXXX, AS TRUSTEE FOR THE SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST MORTGAGE LOAN ASSET-BACKED CERTIFICATES SERIES XXXX filed its foreclosure action on XXXX XXXX, XXXX. 
2. A Final Judgment of Foreclosure was entered by the trial court on XXXX XXXX, XXXX. 
3. The Final Judgment of Foreclosure scheduled a mortgage foreclosure sale date for XXXX XXXX, XXXX. 
4. The Plaintiff and the Defendant, XXXX, entered into a Stipulation Agreement which was ratified and adopted by the Court on XXXX XXXX, XXXX. Pursuant to the Stipulation Agreement, the foreclosure sale was cancelled. 
5. Defendant, XXXX, filed for relief under Chapter XXXX of the United States Bankruptcy Code on XXXX XXXX, XXXX, Case No. XXXX. Defendant, XXXX, made a number of payments to the Plaintiff on the subject mortgage during the pendency of her Chapter XXXX Bankruptcy Case. 
6. Case No. XXXX was dismissed on XXXX XXXX, XXXX. 
7. Defendant, XXXX, filed a second Chapter XXXX Bankruptcy Case on XXXX XXXX, XXXX, Case No. XXXX. Defendant, XXXX, made a series of payments to the Plaintiff on the subject property during the pendency of her second Chapter XXXX Bankruptcy Case. 
8. Defendant, XXXX, second Chapter XXXX Bankruptcy Case was dismissed on XXXX XXXX, XXXX. 
9. Defendant, XXXX, filed her third Chapter XXXX Bankruptcy Case on XXXX XXXX, XXXX, Case No. XXXX. 
10. During the pendency of her third Chapter XXXX Bankruptcy Case, Defendant, XXXX, sought modification of the mortgage that is the subject of this mortgage foreclosure action. 
11. On XXXX XXXX, XXXX, the Honorable XXXX, United States Bankruptcy Judge entered an Order Approving Second Amended Mortgage Modification. 
12. The Bankruptcy Court 's Order Approving Second Amended Mortgage Modification effectively ratified the Mortgage Modification Agreement between the parties resulting in a new mortgage obligation and agreement. XXXX 13. Plaintiff has scheduled a foreclosure sale date of XXXX XXXX, XXXX. 
14. The Court scheduled and conducted an evidentiary hearing to determine whether to cancel the scheduled foreclosure sale based upon compliance with the mortgage modification and whether to dismiss the case. 
15. The evidence and testimony presented at the evidentiary hearing clearly established that the borrower had complied with the payment terms of the modification agreement and that the servicer was refusing to honor the modification agreement because a signed copy was never returned to the servicer.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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: Debt collection

This account was opened up in behalf of my ex wife and she did agree to make the payment. My complaint is that the account is reported as {$7300.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of the vehicle far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 7 years and it has been hurting me and credit the entire time.
Product: Debt collection

This debt does not belong to me. I have never done business with southwest credit systems. i have never done a credit application nor have i gave then consent to report anything. they have do not have any permissible purpose to be reporting anying on my report. for this is a violation of my consumer right according to the fair credit act. I have never done business with their original creditor XXXX i have had XXXX for years.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 i submitted a complaint to the CFPB reference number XXXX. 

Two items were sold on XXXX totaling {$240.00}. That money was given to PayPal to then disburse to me. Despite PayPal stating that they have released the funds to me in a written statement to the CFPB, nothing has been disbursed. 

I have tried to contact PayPal directly to get this matter resolved, but all I get is computer generated bots who have no idea of what the issue is. 

PayPal has lied to me and lied to the Consumer Finance Protection Bureau in a written statement. 

My question is what are you going to do about it???.
Product: Debt collection

I DONT KNOW THIS COMPANY WHY DO THEY EVEN HAVE MY PERSONAL INFORMATION I NEVER HAD A CONTRACT WITH THEM VERBALLY OR WRITEEN NEVER I OWE THEM NOTHING
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw an UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX
Product: Mortgage

Attached full email conversation. 

I applied for the mortgage on XXXX for my first ever house. I was still shopping for the mortgage and comparing interest rates with several lenders. I never showed any sign to finalize my home loan with better mortgage. At this time property inspection was still pending. 

Better mortgage went ahead and without my content ( even without informing me or my real estate agent ), communicated to seller, booked an appointment and did the appraisal process on XXXX. I was never informed about this. I never paid for or asked for any appraisal service. It seems like better mortgage directly contacted the seller and booked the appointment for appraisal. The seller is an old lady, she though better mortgage company went for appraisal because I asked them to do so. Now both the seller and listing agent is mad at me and the purchase dealing is at risk. 

In the loan estimates provided by XXXX, they have printed {$500.00} for the appraisal service, to be paid. But I never signed the consent for that, never I ordered for appraisal. 

I came to know about entire scenario from the seller of the house. XXXX never informed me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Kohls credit card Custer service to pay off a balance in full amount of {$230.00}. There was a late fee associated with this payment and I was told on a recorded line that this late fee of {$28.00} would be waived. This late fee was not waived and I received a letter in the mail in XXXX stating that this late fee was not payed when I was told this was waived. Kohls will not allow me to get a hold of this recording on XX/XX/XXXX with the customer service representative. My credit score dropped about 80 points because of this late fee of {$28.00} and I would like to dispute this and remove this from my credit report. Customer service at Kohl 's will not provide me any information on this recorded conversation nor did they perform a proper investigation on this dispute.
Product: Checking or savings account

Finally I was able to speak to Truist representative. I asked to talk to the supervisor. Previous person tried her best not to let me talk to the supervisor. When i asked to close the account- she asked me to go to the branch. I can not go due to pandemic. After almost 45+ minutes on the line at XXXX XXXX - I was able to speak to XXXX XXXX XXXX From her voice and speech- it was very clear that she is still sleeping. I asked her the reasons for these {$36.00} fees being charged thrice in last 8 days. She stated that if the account balance is negative -they charged fees every 6 days. As she was not willing to waive off these fees and put the future fees on hold, i asked to close the account. She said that account needs to be having +ve balance otherwise it can not be closed. Supervisor is stating a different reason than the previous person. I said if you keep on charging fees- how the account will be +ve. 

I want this account to be closed with all the fees being waived off. I have already setup ACH transactions from my XXXX bank to make this account balance positive but if Truist keep on charging me fees- I can not help. 

Moreover their customer service can't spell out the names correctly. I felt bad that my last name is spelled in such a way that it sounds like curse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX
Product: Mortgage

I have been working with Bank of America regarding whom submitted Duedilligence letter to county recorders as provided by XXXX XXXX XXXX. 

In XX/XX/XXXX Due-diligence letter is not accurate/untrue RECORDED XXXX page XXXX CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX as page XXXX of Notice of Default and Election to Sale check date, phone number and address - its at the same time as approved modification I was not contacted at no time by the person whom signed recorded document I had XXXX accounts with Bank oF America I was in constant contact with Bank of America throughout XX/XX/XXXX-XX/XX/XXXX XXXX modification was complete and my second home was not due-dilligence letter does not work with time line i was working on first modification when due-diligence letter was recorded Bank of America contacted me and explained new program allows a modification to second home my understanding modification documents were never uploaded to second account in error I am the same customer the completed modified loan spelled my name with no space and the other loan had a space XXXX vs XXXX I provided to Bank of America funds that was stolen by a third party for mortgage - Bank of America to date has not responded. 
XXXX XXXX to date has not confirmed was the foreclosure n XXXX XXXX or XXXX XXXX - XXXX TDUS is recorded and neither can be verified Which raised more questions regarding notaries from XXXX XXXX during XXXX alleged proper foreclosure SUBSTITUTION OF TRUSTEE - NOTARY XXXX XXXX - NO RECORD FOUND recorded document XXXX bonding company Merchants Bonding CORPORATION ASSIGNMENT OF DEEDS OF TRUST - NOTARY XXXX XXXX - NO RECORD FOUND recorded document XXXX bonding company Merchants Bonding TRUSTEES DEED UPON SALE - NOTARY XXXX XXXX - NO RECORD FOUND document XX/XX/XXXX XXXX bonding company Merchants Bonding TRUSTEES DEED UPON SALE - NOTARY XXXX XXXX XXXX - NO RECORD FOUND document XX/XX/XXXX XXXX bonding company XXXX XXXX XXXX QUIT CLAIM DEED TO INVESTOR WHOM RESOLD MY HOME WITHIN 30 DAYS AFTER PURCHASE AND EARNED INCOME - NOTARY XXXX XXXX - NO RECORD FOUND document XXXX XXXX bond company XXXX CERTIFIED NO RECORD FOUND PROVIDED BY COUNTY RECORDERS XX/XX/XXXX-XX/XX/XXXX it appears to be FRAUD and VOID on its face. 
The majority of notaries worked for XXXX XXXX - BAC division of Bank of America The notaries are unable to be located directly - ALL NOTARIES ARE NO LONGER REGISTERED AS NOTARIES - ARE THEY REAL PERSONS? 

One notary according to bond company was located XXXX XXXX - however XXXX XXXX never responded to me directly.
Product: Debt collection

On XX/XX/2018 I received a voice message from a XXXX XXXX at XXXX stating to be from a law firm. Additional family members where contacted from Mr. XXXX and as well given my confidential information. I advised Mr. XXXX that I am willing to contact XXXX XXXX and make any arrangements. Mr. XXXX stated that I was unable to make any arrangements with the company and I needed to make a full payment today if unable to make a payment arrangement with him. Mr. XXXX stated her would be filing a motion for civil and criminal action against me if I did not complete a payment arrange. Mr. XXXX stated that I had committed a crime. Mr. XXXX stated that a freeze would be put on all license and any additional purchases that I make. Mr. XXXX attempted o provide me with his contact information instead of XXXX XXXX. I advised Mr. XXXX that I would need documentation from XXXX XXXX. Mr. XXXX forwarded me to his Director and the Director advised me of all payment options. Once declined and asked for additional options, the Director advised me that criminal action would be taking against me  and hung up in my face.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  to state that the late payments XXXX posted to my credit report were incorrect. I was protected due to the Cares act, CARES Act and Credit Reports If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020, and 120 days after XX/XX/2020, or 120 days after the COVID-19 national emergency ends. I got XXXX  in XXXX and was XXXX  from then until XX/XX/2020. I was not working and I called XXXX XXXX to inform them, since then I have been fighting to get these late payments off my credit report, we paid off both credit cards as soon as we got our stimulus checks, we would like to have the late payments removed, my wife is depressed because i lost our home and now trying to purchase a new home. the lender won't move forward until the late payments are removed. we have paid off most of our debt and we pay on time all the time, Please help us obtain a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion signed me up for their monthly premium subscription in XXXX. I have not used this site, nor did I want this service. The company has been charging me XXXX each month since then, despite never warning me via email I recently noticed these fraudulent charges on my credit card statement. They have charged me a total of 9 times at XXXX each for a total of XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I tried to settle this with TransUnion, but they refused to refund anything, even though I never used their service or wanted their subscription. An Internet search suggests that many others have been scammed by this site. Please look into this. Thank you.
Product: Money transfer, virtual currency, or money service

coinbase.com has to give money to me as part of selling virtual currency. coinbase claims they initiated below wire transfers to my XXXX XXXX XXXX bank account. but money never arrived in my bank account.My bank clearly says they have not received the wires from coinbase. I have contacted coinbase many times but they never resolve the issue. please help me to get my money 1 ) {$2700.00} USD on XX/XX/2018 reference no XXXX 2 ) {$1300.00} USD on XX/XX/2018 reference no XXXX 3 ) {$240.00} USD on XX/XX/2018 refernce no XXXX
Product: Credit reporting or other personal consumer reports

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the
Product: Mortgage

The home at XXXX XXXX XXXX XXXX, XXXX XXXX, Arizona XXXX was purchased with a loan though XXXX XXXX, ( no Doc. / Adjustable ), with the payments made to XXXX XXXX   XXXX. There was never a late payment for over 7 years. My family developed financial issues due to medical difficulties and I ended up defaulting. I advised XXXX representatives that I was interested in finding a solution. For many months I worked with their representatives providing many, many documents, bank records, Veterans info etc. Finally, following months of discussions I was told that the foreclosure was cancelled and that I would receive a new loan opportunity. That was on a Monday. the Tuesday, following that Monday 's discussion, I answered the doorbell to be met by a sheriff telling me that there had been a Trustee 's Sale that morning and that I had 48hrs. to  vacate. I contacted XXXX   and they stated that there had been a mistake and that they would get back to me. four days later I called the XXXX representative I had been speaking to and she advised me that there was nothing that could be done. I subsequently moved. The loss of the home caused a fracture of my marriage and a significant loss of potential equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that there were errors and false misleading information for hard inquiries that didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB enforce the correction and or deletion of these items.
Product: Mortgage

Chase is miss-reporting payments made and received. Chase continues to report my mortgage to be in arrears and every month the number increases by a month 's payment. On the statement sent payment is listed to have been received. All of the discrepancy started after the chapter XXXX bankruptcy ended but Chase representatives can not identify the specific month when the XXXX payment was not received. Chase miss allocation of payments is negligible and is having a significant impact to my credit and ability to obtain financing. I currently have and adjustable rate mortgage with a rate of XXXX and I can not refinance it because of how Chase is handling my payments and reporting such. 
I appreciate your attention to this matter. 
Sincerely, XXXX XXXX