23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After years of attempting to obtain a loan modification, Selene Finance approved the request for a three month trial modification starting XX/XX/XXXX through XX/XX/XXXX. I made all the payments on time then received the permanent modification which required my ex-husband, XXXX XXXX XXXX to sign the agreement. I called Selene and explained that this loan originated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX, XXXX is not on the note or the mortgage. Also, XXXX does not have the property address for safety reasons which is the entire reason I use a XXXX XXXX so XXXX does not know where to find me.
Selene Finance advised me that XXXX signed the security instrument which means he has rights to the property. This is not the case as I even sent Selene Finance the closing documents from this loan origination that does not reference XXXX ; s name at all and even states not married. I know XXXX only signed a document stating he would not come after the house after the divorce since the county can take a few months to record the divorce documents.
Selene Finance called me back and they are requiring a copy of the complete, filed and recorded divorce decree showing who the property was awarded to. On XX/XX/XXXX, I emailed Selene Finance the attached documents to show XXXX XXXX XXXX has no interest in this subject property. The divorce was finalized XX/XX/XXXXand his whereabouts are unknown:1. Copy of the deed showing XXXX XXXX  only. XXXX XXXX XXXX was never on the deed.
2. Final judgement of divorce showing there was no property to award since XXXX XXXX purchased the property XX/XX/XXXX at the end of the divorce process which was finalizedXX/XX/XXXX. 3. Copy of closing documents at the time of this loan origination showing instructions not including or referencing XXXX XXXX XXXX.
I was told, even after these documents were reviewed onXX/XX/XXXX, XXXX is still required to sign the documents and the loan can not be permanently modified without his signature.
Product: Money transfer, virtual currency, or money service

I posted washer and dryer for sales on XXXX XXXX XXXXt for {$1200.00}. I was contacted via cellphone number XXXX XXXX XXXX to email the buyer XXXX and XXXX if my w & d were available for sales. Then the communication continued via e-mail - with the same person responding from both e-mails. And the alleged husband of the buyer called me several times from the cellphone number XXXX XXXX XXXX ( I have calls recorded on an app ). This alleged buyer, the lady who e-mailed, said he sent a check via UPS to my home address, and when the check arrived she said there is more money on the check ( {$3000.00} XXXX as her assistant mistakenly added the movers fee on the check that was mailed to me. Then she told me to cash in the check, which I did using my mobile phone on XX/XX/XXXX, and that I can give the difference of {$1800.00} to the driver ( mover ) when they get there for pickup of w & d. Once the check was visible to me as cashed in 3 days on my bank account ( bank mislead me by showing that check is cashed ), I went on and sent back the difference of {$1800.00} ( two transactions XXXX by XXXX XXXX to the mover who they gave the me e-mail for as : XXXX, with name XXXX XXXX as a mover to receive this fee. To my surprise, on the morning of XX/XX/XXXX, 7 days after I see that the check I cashed listed by my bank as rejected ( bounced back ) by XXXX and them my bank took away from me the {$3000.00} labeling it XXXX RETURN ITEM CHARGEBACK, and they also charged me {$12.00} listed as XXXX RETURNED ITEM CHARGEBACK FEE. I called the bank 7 times on XX/XX/XXXX and explained what happened to me, with them telling me that this is likely was a fraud. All of the sudden the cellphone XXXX XXXX XXXX is non-functional number anymore at XXXX pm on XX/XX/XXXX, even though I left them a voicemail message on my first call on XX/XX/XXXX around XXXX XXXX am telling them that check bounced back. Due to this fraud the scammers stole from me {$1800.00} from me, so please help me in any way to get my money back and catch and punish the fraudsters. 
My bank 's, i.e. the Bank of America 's customer service will not help me. I called them 10 times and as soon as I found out that they ( my bank ) charged me i.e. took away {$3000.00} from me since the check bounced. I even talked to the manager of Fraud Dept. and they all are not willing, capable or are incompetent to protect me and help me get my money back. Update on XX/XX/XXXX : I have reason to believe that the fraudster might actually be living in the XXXX XXXX XXXX region in New York XXXX as I received text messages from XXXX XXXX XXXX and from another cellphone XXXX XXXX XXXX to ask as an allegedly another customer whether the washer and dryer were still available for sales. I suspect this was the " secondary check '' to confirm I took the bait and took off the items from XXXX XXXX XXXX and marked them as sold.
Product: Debt collection

Date XX/XX/year> LVNV FUNDING LLC Address Line XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : List Account Number XXXX I am sending this letter in response to an EMAIL you sent me on XX/XX/year>. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations has not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of XXXX  days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 


Thank you, XXXX XXXX
Product: Credit card or prepaid card

I have contacted barclays bank more than 7 separate times to dispute fraudulent charges. Each time I spoke with XXXX, the charges were recognized as fraudulent, and each spokesperson said the charges would be taken care. Six months later, I am still receiving calls and emails demanding payment on these fraudulent charges, and now my credit score is negatively effected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been sharing my personal non-public information with non-affiliated third parties including consumer reporting agencies. on XX/XX/year> I notified XXXX XXXX that I am opting out of all and any authorizations whether written, unwritten, verbal or non-verbal for the sharing of my non-public personal information pursuant to 15 USC 6802 of the Gramm - Leach Bailey ( GLBA ) Despite my explicit opt out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized use of my personal information constitute a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 
Can the Consumer Financial Protection Bureau please investigate this matter thoroughly and take the appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security for consumers like me.
Product: Mortgage

The issue we are having is obtaining a mortgage satisfaction on a home equity loan that we took out in XXXX through XXXX XXXX Bank in New York that is no longer in existence. We discovered this when we applied for a new Home Equity Line of Credit at another bank. We were told by the representative that no Mortgage Satisfaction was registered on the XXXX of New York Register. I looked on the XXXX Register website, XXXX, and discovered that this was indeed the case. 
As previously mentioned the loan was initiated at XXXX XXXX Bank in XXXX. This loan was then turned over to 3 more banks during the term of the loan ; namely, XXXX XXXX Bank, XXXX Bank, and lastly Bank of America. I have documentation to prove that these were the banks that held the loan over it's term. I also have a letter and a 1099 interest statement indicating that this loan was PAID IN FULL from the last bank that held this loan -- BANK OF AMERICA. 
On XX/XX/XXXX, I called Bank of America loan department and explained that I was not issued a mortgage satisfaction from their bank when the loan was paid in XXXX. I was given a reference number and told to fax the copy of the mortgage to them. I faxed them the mortgage ( 23 pages long ) and was told that they would have an answer in 15 business days. I called them on XX/XX/XXXX and was told that although the loan was paid they were not able to register a mortgage satisfaction because the mortgage was not registered by the 2 previous banks, XXXX XXXX and XXXX. Bank of America didn't register it either. ( I didn't believe what they said because the very first mortgage we had when we purchased our house changed banks once and we received the mortgage satisfaction without any issue! ) Then on XX/XX/XXXX we visited a local Bank of America, XXXX XXXX branch, in XXXX. New York. Two of the representatives there helped us file another request. We sent them one of the letters dated XX/XX/XXXX, indicating that the loan was paid. In addition, we submitted a copy of the Detailed Document information from the Office of the XXXX Register website ( XXXX ) of the mortgage from XXXX XXXX Bank. In the remarks section of this document it should state that the loan was discharged ; however, since no mortgage satisfaction was registered this could not be indicated. Today on XX/XX/XXXX, I received a letter stating that our loan release request has been cancelled and stated that BANK OF AMERICA DID NOT ACQUIRE OR OWN THE LOAN. Upon receiving this notice I again called their customer service number. The representative reiterated what was stated in the letter and then told me to call XXXX XXXX Bank since they took over XXXX XXXX Bank. The representative gave me the phone number for XXXX XXXX. We called XXXX XXXX and they don't even have a mortgage department anymore. I was given an address to send our request to however ; we feel it is a complete waste of time since we never made a payment on this loan to XXXX XXXX. It is true that XXXX XXXX was acquired by XXXX XXXX and XXXX XXXX was acquired by XXXX  XXXX BUT they did NOT acquire this loan. I have the documents to prove it. We are extremely frustrated with this situation!
Product: Credit card or prepaid card

On XX/XX/XXXX, I reported that my Citibank credit card was lost and requested a replacement card. When I reported the card lost, I was informed by the Citibank agent that the credit card account number would change but they did not give me the new account number. Since my payments are made using my bank 's bill pay system, the credit card number is essential to setting up a payment and since I had been informed the account number would change, I waited to send the payment until I received the new card. However, I did not receive the card as promised and contacted Citibank again in XX/XX/XXXX. They gave me the new card number and XXXX 'd the new card to me. I immediately made payment to bring the account current, however, I now find that Citibank reported me as 30 days delinquent for XX/XX/XXXX. 
This delinquency is preventing me from obtaining necessary mortgage financing. 

See attached letter previously sent to Citi, requesting correction of this reporting.
Product: Credit reporting or other personal consumer reports

I sent. dispute letters to Transunion, XXXX and XXXX to validilate these accounts that thru verifiable proof however, These Companies have neglected to provide the original agreement with my signature as well as they are not following their own policies and responding back within XXXX  days
Product: Credit reporting or other personal consumer reports

My personal data was unlawfully sold and acquired due to my unfortunate victimization in the Equifax data breach. I urgently request the immediate removal of these unauthorized entries from my credit reports. Attached herewith is evidence confirming Equifax 's acknowledgment of my status as a victim in this breach, yet no corrective action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to start off first with XXXX. I have sent my equipment back and there is no reason why I should be in collections. The second is XXXX XXXX XXXX they sent a letter claiming the debt was verified but that is hearsay. I return the equipment both these company are trying to pull and fast one and get money out of me
Product: Credit reporting or other personal consumer reports

i was checking my credit report and noticed 3 accounts in file thats not my i never used and never get any benefit from XXXX XXXX, $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I purchased a Netspend prepaid XXXX card with {$170.00} cash for the express purpose of paying a bill online. I chose the Netspend prepaid card because it was a couple of dollars cheaper than the Prepaid credit cards it was on display with. It was a Saturday and my bank was closed so I was not able to delposit cash into my bank to pay the bill. I thought that purchasing a prepaid card with a small fee would allow me to quickly pay the bill online. 

After purchasing the card I immediately went online to activate it, per instructions on the card. I then proceeded to use it. The card was declined. I called customer service. I was on hold for over 10 minutes. Customer service rep verified my name, date of birth, and social security number. He then apologized and said I would not be able to use the card or have access to funds. I was shocked and dumbfounded and asked to speak with a supervisor. 
After being placed on hold again I was transferred to a supervisor. The supervisor told me there was nothing he could do and I would not be able to use the card or have access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient Student loan # XXXX  reported my account late in XXXX  2011. I requested validation of this information to verify their reporting and have not received any details or validity.

To my knowledge any data furnisher must advise you for any negative reporting prior to reporting and i have never received any email or mail stating the possible negative reporting.

Also this information is NOT true and NOT or NEVER been late.
Product: Debt collection

After receiving multiple phone calls by this company starting XX/XX/year>, on XXXXrequested for a validation of debt which I haven't received also they have furnished illegal inaccurate information to my consumer report.
Product: Credit card or prepaid card

Okay, here is the deal, the bank is XXXX XXXX. I complained to them about the treatment of me. If I am just a little late, they charge a late fee, but not just for the month I am late, for months after that. Then, because I complained, they lowered my credit they are extending me. I complained about the way they were singling me out. I have never NOT paid them, and then to get back at me ( because that is the only explanation for it, I can see ), they lowered my credit even more without telling me, just because they could. If I had the money to pay the whole thing off, I would, but I am one of the working poor. I do pay my bills. I do not deserve to be treated this way. I want them to back off, and I want my credit back.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit with Transunion. I found that there are inquiries that are still on my credit report that are not removed that does not belong to me. If you look at my identity theft report it shows the inquiries that were not authorized by me on the Federal Trade Commission Identity Theft Report. Ive also reached out to to your bureau several times in regards to the unauthorized inquiries. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file a identity theft report with the FTC. How many times do I have to keep letting you guys know this. Please take the time and look at the identity theft report and you will see that In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX via XXXX 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. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.
Product: Debt collection

NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX be playing different unlawful tactics to collect DEBT THAT DID NOT OWNED or BELONGS TO ME ; since XX/XX/2019, they've sent me different collection letters each time l demanded debt verification, NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX choose not to reply to my demands " PROOF OF DEBT OWNED '' instead NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX will placed the said collection on my credit profiles with XXXX, XXXX and XXXX each time with different company names, which time NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX did not get favorable answer from credit bureau, NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX XXXX will use different collection agency to placed the said debt unto my credit profiles with XXXX, XXXX and XXXX. ( see attached for several letters l wrote via certified mail )
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX financial took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX made me purchase insurance seperately. 
I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 usc 1692 ( e ) Take Notice that Pursuant to 15 usc 1692 ( a ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you XXXX XXXX XXXX XXXX XXXX XXXX, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 usc 1692 ( a ) as any natural person allegedly obligated to pay any debt. 
Take further notice that I am the true creditor Pursuant to 15 usc 1692 ( a ) which clearly states that a creditor is any person who extends credit creating a debt therefor I a consumer created the debt via my extension of credit XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing about a {$50.00} debt that originated from XXXX. 

I paid XXXX XXXX XXXX on XX/XX/2021, and the payment was posted on XX/XX/2021. Unfortunately, XXXX XXXX XXXX claims that I did not pay the {$50.00} and turned the account back over to XXXX. I even tried giving XXXX the confirmation number and the agent claimed that I had to contact XXXX. XXXX keeps referring me back to the collection agencies. 

XXXX turned the account over to XXXX XXXX XXXX XXXX and XXXX placed a delinquent mark on my credit score, which severely dropped. I tried reaching out to XXXX XXXX to inform them that I paid the {$50.00} but nothing occurred and the mark is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX/XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX # XXXX The only information sent was account was verified that comes through XXXX system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.
Product: Money transfer, virtual currency, or money service

I am expressing my concerns regarding Zelle 's mishandling of disputes, particularly in light if the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle on numerous occasions and reporting all discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed mr that recovering lost funds was impossible and that tracking these transactions d was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have reached out to the following account below and talked to them about the issue with my account as reported by the PROFESSIONAL FINANCE C. They have advised me that they will remove this on my credit report and will correct the credit report accordingly and accurately, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the PROFESSIONAL FINANCE C came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report wherein this account has been paid already. I have included in this complaint FTC report with the report number XXXX for your reference.