23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My brother and a friend bought a small building in XXXX and took out a XXXX loan from TD Bank several years ago. 

The partnership went downhill after my brother learned that his partner was not paying his half of the mortgage. Loan payments stopped and TD Bank started foreclosure. 

My brother and his partner negotiated their interests in the building. My brother contacted TD Bank directly to repay the loan but was told to deal with the bank 's outside lawyer. Negotiations and court appearances were held to get out of foreclosure. The bank 's lawyer wanted compensation of {$100000.00} for legal fees. 

By XX/XX/XXXX, the amount to be repaid was agreed and negotiations for legal fees were finalizing. Funds were sitting in an escrow account waiting to be sent to TD Bank. A few months later my brother XXXX unexpectedly. The Estate 's attorney made clear that the Estate ( and myself ) would abide by the agreement and were eager to get the building back because that 's what my brother wanted. The Estate continued and still continues to pay all property taxes, utilities, and maintenance. 

In XX/XX/XXXX, our lawyer found out that TD Bank sold the note to a private party at a discount to what we had agreed to pay. We were never formally notified. The note buyer said that the TD Bank loan officer told him that the note was being sold because we did not have the money to pay it back. That is not true. Why were we shut out when we had a pending agreement with TD Bank? Why were we paying upkeep of the building if we were not serious about the agreement? 

This has been a horrific year for me, made worse being dragged through this foreclosure process. Our lawyer has been very frustrated ; he is not sure his communication and offers to the bank went past the bank 's outside counsel. And just this morning I heard that the note buyer wants XXXX what was owed the bank if I want to buy it. 

I would appreciate your help in investigating the handling of this foreclosure. Why was a note ( and the building ) sold at a discount when there was an owner ready to pay more? Was something done illegally and against proper banking procedure?
Product: Credit reporting, credit repair services, or other personal consumer reports

Learned about Equifax security breach through social media. Upon checking utilizing Equifax web tool to see if I was affected, was told that I was affected. News site XXXX ( XXXX XXXX XXXX ) states that my name, social security number, birth date, and addresses were exposed to criminals, information that is unique and unchangeable and thus may be used to exploit me for the indefinite future ( XXXX XXXX XXXX ). Had to spend my limited free time signing up for a fraud alert through XXXX.
Product: Credit reporting or other personal consumer reports

This false reporting is not merely an error ; it reflects " actual malice, '' as TransUnion knowingly and recklessly disseminated incorrect information. The damage to my reputation has been substantial, and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to TransUnions willful and knowing misreporting, I have been denied credit cards and auto financing, and I do not qualify for an XXXX disaster loan that is critical to my financial stability. This violation of 15 U.S. Code 1681n entitles me to recover statutory damages, actual damages, and punitive damages. The financial setbacks I have experienced are directly attributable to TransUnion, XXXX and XXXX irresponsible and unlawful actions
Product: Credit reporting or other personal consumer reports

As I reviewed my most recent Credit Report, I noticed that there are accounts that still appear on my credit report after I sent my investigation request and I find these incorrect and inaccurate. I request a proof that you went through all the proper and legal steps that would have been necessary to verify. 

Kindly eliminate/block the accompanying records as they are false and were opened without my assent or information.
Product: Mortgage

I accidentally paid the XXXX XXXX Tax to XXXXhe County when my mortgage company ; Cornerstone Home Lending , Inc. was supposed to : XX/XX/18 {$1100.00} and {$26.00} fee. When I talked to another lender, XXXX XXXX, about refinancing, they told me that the mortgage company pays the tax. I contacted the assessor twice and he said that the mortgage company has to refund. I called my original broker ; who said I had to call XXXX. XXXX at XXXX said that I have to go to the assessor and get a hand written receipt. I told him that I paid with credit card. He said he can't help. I said that they will be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

their customer service would not help and take care of the negative inquiries reporting to my credit report. 


Below I Listed the inquiries that I desired to be deleted from my credit report. I never signed or agreed for them to view my credit report neither did I have a credit account with them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Here see the accounts that are marked inaccurate 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: Credit reporting or other personal consumer reports

Please see the True bill attached for violation of accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and delete from my credit report because you are reporting inconsistent information. You were sent an FTC report and failed to remove this account therefore I am now seeking monetary relief for your negligence and violation of the FCRA. You were notified over 45 days ago in a letter that was sent certified mail that you were in violation for reporting conflicting dates for the date last active and failing to notate that the account was in dispute. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the FTC report and the True bill attached. Remit payment to address on the invoice within 10 business days. If this account is not deleted and payment is not received, I will forward this information to my legal attorney.
Product: Credit card or prepaid card

My US Bank Visa card was cancelled. The company stated it was because a merchant had been hacked, and that my personal information may have been compromised. I was sent a replacement card, but the company refuses to tell me who the merchant was or what personal information was compromised. I have requested this information twice over the phone. The company promised to address my concerns in a letter, by XX/XX/XXXX. No letter was received. 

I would like information on the security breach, including the merchant 's name and what personal information has been compromised. I believe this information could potentially help me avoid future breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian and XXXX, asking them to remove a collection that doesn't belong to me. Experian and XXXX did not remove the collection after the investigation, nor did Experian or XXXX provide evidence of the debt per my request. The collection reflected in my credit report is not my collection.
Product: Credit reporting or other personal consumer reports

CREDIT MANAGEMENT LP is falsely reporting on my credit. 
I have never had any accounts with them. Per my research CREDIT MANAGEMENT LP is a debt collector. They are falsely reporting to my credit! Account XXXX XXXX are falsely reporting to my credit file and are against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! 
( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( XXXX ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than XXXX days after the date on which the report was first requested I request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature with CREDIT MANAGEMENT LP. 
Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. I will also be seeking {$1000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of 15 U.S.C 1692g I further remind you that, as in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Vehicle loan or lease

I worked for Commerce Bank I recieved a loan from this bank i worked in the same department for two years which was installment loan collections. I put my two weeks notice in XX/XX/XXXX they let me go a week before my two weeks was up on XX/XX/XXXX. All of my car payments have been made prior to 65 days past due until recent. I made a partcial payment for XX/XX/XXXX leaving me with less that {$180.00} when my car payment was {$470.00}. I fell behind for a full payment for XX/XX/XXXX and XX/XX/XXXX. They put my car out for reposession at 65 days past due. My account being an employee or ex employee is being handled by my co workers that i worked with daily instead of management. When they claimed that my car was repoed because of no communication. I advised them that due to the hostile work enviornment and the way they choose to terminate my employment I chose not to speak with them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX XXXX credit bureaus has been reporting inaccurate information that has been demential to my report. This is violating my rights under the FCRA laws and certain transactions.
Product: Credit reporting 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  Account Number : XXXX 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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 got a car auto loan from this company back in XX/XX/year>. My payments have been on time and I have paid every single time I have needed to pay. Just recently the auto company puts my auto loan on my credit score twice. Its XXXX different companies, but the same exact loan For the exact same amount that I signed for. This has now affected my credit substantially. I have contacted the company, but they are not working fast enough. I am trying to get a rental property and this has affected my credit substantially and I need extra help. On my XXXX XXXX account, they took off both the auto loans which has now dropped my credit score XXXX points in the span of XXXX weeks. Both auto loans are still on my XXXX account which it has dropped my XXXX account XXXX points. I am not sure why they are affecting the credit bureaus differently, but they are. Like I said, I am trying to get a rental property and now I am not able to do that, I have to put it on hold. Because of my credit score dropping. I need to know what I can do for my next steps because this is not fair and it is causing a lot of stress and distress in my life. I have paid in total {$12000.00} to this company regarding this car loan and not taking this situation seriously is disheartening. If someone could point me in the right direction on getting help and how to get this situation rectified I would appreciate it. Thank you.
Product: Credit card

I am writing to express my deep dissatisfaction and frustration with the ongoing issues we have encountered XXXX Mastercard aka XXXX Superfleet Mastercard. 

Despite multiple attempts to address various concerns, we continue to face problems with our account, which have not been adequately resolved. I would like to bring to your attention the following key issues : Late Fees for Timely Payments : We have consistently made on-time payments through their online portal, yet we have been charged late fees of {$120.00} without any justifiable explanation. 

Fraudulent Charges : Our account experienced unauthorized and fraudulent charges, for which we promptly filed a fraud claim, providing a police report as evidence. However, this company insists that consumers are responsible for all charges, regardless of their legitimacy, contrary to the information given by their account manager at the time of account setup. 

Non-receipt of Monthly Invoices and Rebates : We have not been receiving our monthly invoices as well as the rebates that were promised as part of our agreement.

Unavailability of Account Manager : The account manager assigned to us, whom we were assured would be our point of contact, is no longer reachable. This lack of communication has hindered our ability to address and resolve the issues at hand.

Our attempts to seek assistance from their customer service department have been unproductive. We believe that these practices are not only frustrating but also deceptive, and they undermine the trust we placed in Fleetcor when entering into a business relationship. 

We kindly request that you investigate these matters. 
We appreciate your attention to this matter and hope for a swift resolution.
Product: Mortgage

I received my annual escrow account disclosure statement dated XX/XX/XXXX. I had several questions. XXXX pertaining to shortage in escrow of {$1200.00} and the other pertaining to flood insurance being escrowed. I was surprised that I was short so much since in XX/XX/XXXX, I received a refund of {$600.00} due to an overage. When I called and spoke to someone, I did not get a clear answer. They put me through to a specialist. In speaking with her, she informed me that this statement was not correct and on XX/XX/XXXX another statement was generated. I do n't understand how the numbers could change in 10 days, not in my favor. So now, I am questioning whether they are not accurately accounting for the money I pay into escrow. I also noticed that they are escrowing for flood insurance. The property is a townhouse and there is a master policy covering the building. I chose to purchase my own policy covering the interior of the unit and this should not be escrowed. I was told that they did not have any record of the association master policy. I obtained a copy of it, forwarded it to Ocwen. Now I 'm being told that they are not honoring the coverage provided. The person that was helping me at Ocwen told me she was going to talk with the insurance department, and I have not heard back from her. I have been told by several people in the mortgage and insurance industry that there are many complaints about Ocwen and I want to make sure that they are handling my escrow account in the correct manner.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX in XXXX of XXXX. I obtained a loan from XXXX XXXX XXXX/JP Morgan Chase Bank to purchased the car. In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX repurchased the car from me through the assistance of the Washington Attorney General. My XXXX XXXX XXXX representative was XXXX XXXX, Senior Customer Service Representative. Her telephone number is ( XXXX ) XXXX-XXXX. 

On XX/XX/XXXX, XXXX and I executed the documents necessary to transfer the car/title/etc. from me back to XXXX of XXXX. They issued me a check for my portion of the proceeds of the sale. XXXX of XXXX immediately sent a check for the full balance of the Chase Loan ( over {$36000.00} ). The XXXX certified mail tracking number was XXXX. 

On XX/XX/XXXX, the XXXX certified-mailed check was received and signed for by XXXX XXXX/Chase. They promptly lost the check and did not post the funds to my loan account. 

I next called and talked to a supervisor and mounted an escalation. I waited 10 days for the escalation to run its course. When I finally called on XX/XX/XXXX, the XXXX XXXX/Chase supervisor told me that a letter had been generated to me indicating my loan was paid in full, despite the fact that the automated and online systems were indicating the loan was now past due. 

Later that day a XXXX XXXX/Chase supervisor called me back to tell me that the payoff letter was generated in error, the loan was not paid off, the loan was past due, and they needed proof of funds from the check. I explained I never had the check and therefore could not provide the information they were requesting. 

So now the check is still lost, I have a letter from XXXX XXXX/Chase telling me my loan is paid off, XXXX XXXX/Chase has indicated the letter is an error. Nobody can explain how a payoff letter was ever generated in the first letter if payment for the car had not yet been received. And, I've already signed over my car and title. 

XXXX XXXX XXXX XXXX XXXX paid XXXX XXXX/Chase for my car. XXXX XXXX/Chase promptly lost the payment. XXXX XXXX/Chase then issued me a paid in full letter in error. Now XXXX XXXX/Chase is demanding I provide them proof of funds when I never had the check. The check is lost. The car is gone. And I need your help.
Product: Debt collection

I have been dealing with National Credit Adjusters, regarding ACT # XXXX. I have told them this is not my debt and requested a validation letter in writing 3 times and all they send are bills. I have disputed it with all XXXX credit agency 's and they refuse to remove it. I 'm desperate and do not want to pay a debt that is not mine and it would still be on my report.
Product: Debt collection

I receive repeated phone calls throughout the day from Transunion for a debt that was paid in XXXX. I personally spoke to a representative and so did the doctor 's office to tell them the debt had been settled. This was in XXXX. I have received at least one call almost each day, and other days there are 3-5 calls. I have not received any statements of said debt, so I have reason to believe they are harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 



XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used XXXX through Chase bank to send money to a person through XXXX for the purchase of XXXX XXXX XXXX. The person gave me the name to send it to, had a Legit XXXX profile, and was in my U.S. based XXXX group online. My money was flagged. I called the bank and told them it was to pay for chicks. They didnt tell me if the transfer was leaving the country or anything like that. Of course the XXXX profile blocked me and I realized I was scammed out of {$200.00}. I have no way to report this person. I have no way to get my money back. I have no way to help stop this person from scamming others!
Product: Credit card

on XX/XX/XXXX Synchrony Bank lowered my credit limit immediately and sent notice of this the same day. They did the same thing again on XX/XX/XXXX. I understand they check and lower limts on a regular basis. This causes a circle of disaster as they lower the limit that impacts your score and then they use this score later to lower your limit again. They offer no resolution. I am not sure this is ethical when they are the ones who give you the credit limit based on an initial credit check, then they can change it at any time without any fault. I was told they check randomly. A consumers score is ever changing and dynamically changing this at random is seems unethical against the truth and lending act and Fair Credit Reporting Act.
Product: Checking or savings account

When went to open a new business account found out about charge off at US Bank. The amount shown was 3 times higher than what was charged off as they took money out of another account before charging off account. Now they said could be week before shows corrected after it's paid in full today.
Product: Mortgage

Spoke with Freedom Mortgage on payment of property taxes not being paid from impound account to XXXX XXXX XXXX Tax Assessor on due date of XX/XX/2021. They told me they will not pay them until a day before they become delinquent with the county. 

Freedom Mortgage is upset I am doing a re fi with another mortgage company for a lower interest rate and they are harassing me and my family. 

I paid my home owners insurance in advance for a year and they did not inform my mortgage company that I did that. 

My wife received several harassing phone calls from the Freedom Mortgage about my month payment which is paid every two weeks by payroll deduction directly to Freedom Mortgage.
Product: Debt collection

I contacted Portfolio via email and by phone to structure a settlement of {$300.00} as I am poor and can not afford to pay {$630.00}. I have been unemployed since COVID, and that's been a year. Recently the winter storm prevented me from even doing XXXX  as it has been very difficult to drive.
Product: Money transfer, virtual currency, or money service

Filing a complaint against Cash App Due to inadequate Customer Service And unfair practices Which violates the consumer Financial protection act Specifically, Cash App failed to Take timely and effective Measures to ensure my address and other information Leaving my account unprotected and me and my information prone to fraud Furthermore, theyre dispute area was extremely unhelpful when I did have fraud And they didnt comply with the Electronic transfer fund act And regulation E These actions have caused significant financial loss and stress