23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Approximately 60 plus days ago ( on or mid XX/XX/2022 ), I spoke to and submitted required documentations and filled out proper information to apply for a short term loan on a single family house ( House A ) that had no debt.

The reason was that a we needed cash for closing on a new purchase of a home in another state. ( House B ) The amount needed for cash at closing was a {>= $1,000,000}. 

{$400000.00} was needed for a down payment. These funds came from a HELOC ( House A ) House A appraised by lender in question was {>= $1,000,000}, the amount of the loan would be approximately {$700000.00}. The lender in question knew from day one, that this amount would be paid off when House A was sold in the next 12 months.

From the 1st day ( and documented with many e-mail chains ), The lender was very well aware that the loan for House B was being secured by another lender.

Last Week the lender in question promoted that they would like to loan on House A and House B. This lender interest rate was about 1 % more than the lender that was already in place for House B.

As mentioned, this lender knew from day ONE, the need for a short term loan AND that the lender in place for House B had a lower interest rate. 

We go through almost 60 days and lender in question wants to loan on " both '' houses and even made the comment " better to have both loans under XXXX roof '' ( backed up by e-mail. 
The lender in question KNEW that their interest rate was higher and knew very well the loan to debt ratio .... this is the lenders comment " I realize that is an incredible deal, would you give me the opportunity to match XXXX. If you can provide the documentation, I will take it to my management team and see what we can do to keep all your banking under one roof. '' When I said I will keep the lender for House B, a day later an email said " can not do the loan '' The lender in question supervisor also sent a email supporting the loan denial for " reasons '' There is a long email chain backing up statements and " killed '' the loan on House A when I said I would stay with other lender on House B They knew very well from day ONE about debt ratio and it as NEVER a problem until I said no.
Product: Credit reporting or other personal consumer reports

Inquiries on my consumer/credit report that I did not authorize pursuant to 15 USC 1681, the Privacy Act of 1974 and 15 US 6802-6805
Product: Payday loan, title loan, or personal loan

I obtained a personal loan in XX/XX/XXXX I made extra payments when I took out the loan I was told that I can refinance loan for a lower interest rate once my credit score increased it did and the rates that were offering were significantly higher even though my score was better. 

I called and spoke with several representatives who didnt give me a resolve and they wanted me to wait another month to apply for a better rate. through a third-party XXXX XXXX and I qualified for a lower rate but when I went to the click the link it takes me to the site and the rate jumps significantly I called SoFi and they said that theyre having an issue with XXXX XXXX rates not matching what they have. With my current loan my auto pay was turned off which caused my rate to jump and it caused me to have a higher interest rate which I didnt do and also its making automatic payments from an account with theres no money causing its a bounce back which I didnt do I called in and they were very nonchalant about the situation saying oh it must be a system error now I dont know the exact amount that I owe on my loan I feel like this is some shady business going on and I would like this investigated they are not being truthful in their advertising with their rates theyre doing a bait and switch and its causing issues.
Product: Credit reporting or other personal consumer reports

Greetings, My name is XXXX XXXX XXXX, Ive been having some preoccupations related to a credit card Beyond from XXXXXXXX XXXX XXXX XXXX with a credit limit of {$5000.00}. 

Ive used it and paid it very soon, by on XXXX XXXX I used {$1900.00} aprox. And the bank on XX/XX/XXXX my credit score in Trans Union went down about XXXX points! I mean, have other credit cards and I used them and pay fast to maintain and grow my credit score and history as Im a business person and if it wasnt for my XXXXXXXX XXXX XXXX which increased my credit line and made my credit score a bit up my credit score would have gone way more down.Im working with the bank on a mortgage and this could affect me and obstruct my transaction. 

I paid the amount used on the card, Terrified about what I was looking at, but the bank only reported the credit card balance on {$0.00} but didnt gave me back my points. 

How I see it, its not cost effective to use a credit card which for such a small amount of money ( didnt reach the 50 % use ) takes down your credit score in less than a week but dont report it back as it was. On XXXX I Have as score of XXXX and it should be the same on Trans Union and XXXX.
Product: Money transfer, virtual currency, or money service

I had posted an ad on XXXX trying to sell my table and chairs, someone actually seemed interested and sent a check for XXXX . When I received the check I deposited into my mobile Wells Fargo account. This was on XX/XX/21 The check went through the next day with no issues. The person that issued the check said to pay movers through XXXX XXXX  with the check that Wells Fargo cleared on XX/XX/21 an amount of XXXX dollars. So I did. A couple of days later he texts my phone saying they are going to back out from the deal and wont pick up the table and chairs I had listed on XXXX. And wanted me to XXXX him XXXX $ from my account to his zelle email he provided. Fast forward to today XX/XX/21 Wells Fargo had not only overdrawn my account by XXXX $ but theyve have also decided to return the check today instead of actually holding it when it was deposited on XX/XX/21. Now Im negative in my account have no money to help pay for things my child needs. And I am feeling helpless and cant seem to get justice for someone trying to scam me into giving me a fraudulent check in the first place.
Product: Debt collection

We keep getting a message from debt collector ( phone number XXXX ) every week for over a year. I call back to tell them I 'm not XXXX XXXX please remove my phone number from your system but they hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts as followed XXXX  Account Number XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number ( Opened XX/XX/2018 ) XXXX ALL have violated my Rights 15 U.S.C. 1681 section 602 A. States as follwed " I have the right to privacy '' 15 U.S.C. 1681 section 604 A Section 2 states as followed " A consumer reporting agency CAN NOT furnish an account WITHOUT my written instructions '' Instructions on which I NEVER gave to any reporting agency
Product: Mortgage

For those who don't know, PHH Mortgage is one in the same as fraudulent Ocwen Loan services. For years we have been trying to retain our property to no avail. We have heard every excuse on this planet from Ocwen and PHH as to why they couldn't approve the loan modification. PHH claims that the account arrears are to large for alone modification. If the consumer financial Protection would review the HAMP guidelines and the XXXX  XXXX  protocol for loan mod 's, you'll find that arrears what ever they are is irrelevant for a loan modification because that's where forbearance comes in depending on the appraisal value. I am attaching a copy of the RMA and other financials for you're review. Our combined monthly income is {$5800.00}. We clearly qualify for the XXXX XXXX standard loan modification. We are asking PHH to STOP the nonsense and the Unfair Business Practices before we filed a complaint for the XXXX district Federal Court. We also have extensive proof that PHH have engaged in fraud in connection with the foreclosure action and matter should be brought up to the XXXX  District Court of Florida. We will file a separate complaint in regards to the fraudulent foreclosure complaint and how Ocwen and PHH was involved.
Product: Credit reporting or other personal consumer reports

I am trying to buy a car and get a new home. I realized I had damage on my credit report. According to 15 U.S.C 1681, there should not be any damages to my report. I have sent a dispute letter in XXXX which surpass 30 day request for removal. I then sent another letter in XXXX give 14 days to remove the damage due to no response past 30 days and a {$1000.00} check for emotional damage.
Product: Money transfer, virtual currency, or money service

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from facebook ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( XXXX XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX  ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account XXXX XXXX XXXX XXXX Please help me, what should I do to get my funds back.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions 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 accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed several items on my report that are either not mine or inaccurate. This has been going on for almost 2 years now with no resolution. I have submitted documentation both by mail and fax on multiple occassions.
Product: Mortgage

I made my XXXX mortgage payment like I do every month on the PNC bank website. I clicked on my external account name linked to my personal checking account with wells fargo and clicked pay. In XXXX I went on the PNC website to do the same thing and noticed that my XXXX payment was returned unpaid by my wells fargo. I contacted PNC to see why because I had enough money in my XXXX XXXX checking account to pay that XXXX payment. The PNC rep told me that the account number was wrong. I responded, how could it be wrong I've been making the mortgage payment the same way with the same account since the mortgage started. After numerous phone calls ranging from 45 minutes to 2 hours and 34 minutes, We discovered that someone, we don't know who, entered 3 account numbers, two of which had the incorrect XXXX XXXX account number, and my name was misspelled on three of those accounts. So when I wnet to pay my mortgage, I unknowingly clicked on one of the 2 accounts that had the wrong account number so PNC never got the money. Finally after a 2 hour and 34 minute phone call with 6 different people, PNC and I worked together on line to have the other accounts deleted, and the problem has finally been solved, I requested to have the late fees reversed since I did not enter those incorrect account numbers and the incorrect spelling of my name. On one of the accounts it list my middle initial, which I never ever ever use. They are refusing to credit me the late fees.

I have only two theories...

One, my account was hacked into, which to me makes no sense since they would have nothing to gain but to cause confusion and chaos.

Two, Which makes sense to me ... ..PNC did it themselves to create the {$81.00} late fee. If they do that to just 100 of the thousands of costumers they have, they would create an additional {$8100.00} of revenue to their bank. And it happened to me twice for a total of {$160.00}. That might seem hard to believe by most people but if you've watched enough XXXX XXXX Documentaries like I have, you would know that XXXX  XXXX does this all the time in the name of profit. How the Tobacco companies that lied to the public about the cause of XXXX from cigarettes ', How the chemical companies lied about the XXXX causing agent XXXX, and let us not forget about XXXX XXXX 's predatory loans which I'm sure your agency is well knowledgably about. 

So, in summery, I would like th CFPB to look into PNC Mortgage accounts and to see if there is a pattern of these mystery account names and numbers and any unusually high amounts of late fees they are collecting from their customers
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 XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXX : Account Name : XXXX Account Name : XXXXXXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX  : Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXXXXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX And XXXX of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXXXX XX/XX/XXXX 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

You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please update this damaging data immediately. 
XXXX XXXX XXXX XXXX : {$53000.00}
Product: Credit reporting or other personal consumer reports

This complaint pertains to Having too many Names, Addresses and emails on my Accounts. I need this to be a Blanket Compliant across all three credit agencies. XXXX, Experian and XXXX. I have One full name, One Mailable address and one Email. I see several on my Report. Per 15 USC 41 And 15 USC 1696 also USC 1681b. I being the Creditor of my accounts in Real, living and Private compacity expect deligency when its coming to holding private transactions with My Securities with a Provider of my choice. They should not share my private transactions with A credit agencies of any kind. I opt out off all reporting of late payments, Credit card transactions reporting of my private transactions. Per the truth and lending act It's against the law and they are performing Securities Fraud as we speak. I want compensation for this violation for loss of Time and Opportunities per What's on my Credit report without permissible Purposes. By law it's {$5000.00} or 1 year in jail for Knowingly violating these policy 's. I need remedy fast. My score has dropped tremendously. I need All inaccuracies Removed immediately and All accounts showing paid in full. This is my third attempt and will need remedy. The Government has already paid our debts credits. It's fraud to charge me or take my certificate of indebtedness in a debt system. I have unlimited credit in every transaction per The government. Knowing that I credited the accounts I created and can not be in debt when I created the value.
Product: Student loan

My issue is with XXXXNavient. I have been dealing with them for 10 years now and am at the end. From deceptive practices, to late fees, to repayment fees, to outright lies it 's all there. I would like to be part of the lawsuit if possible. I am attaching all documentation I have including a detailed timeline and the latest letter that was sent requesting the release of my parents as cosigners. The latest issue is that I am in a repayment program with no paperwork, they refuse to change the due date on XXXX of my loans and keep charging me late fees although the program is set up for the payment to be direct debited on the XXXX of every month. Again I am attaching all detailed paperwork so you can better understand my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX please remove the credit inquiries XXXX XXXX XXXX  XXXX inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please remove these credit inquiries, they are fraudulent XXXX  XXXX XXXX XXXX Transunion please remove these credit inquiries they are fraudulent XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A Method of Verification letter was mailed certified to Equifax XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Exquifax on XX/XX/2020. They replied and said verified without providing me their method of verification as I requested. I mailed a 2nd certified letter to Equifax XX/XX/2020 requesting them to delete the inaccurate bankruptcy and have not received a response. Equifax has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.
Product: Debt collection

In XX/XX/XXXX, Jefferson Capital System reported a collection account on my credit report. I disputed the account and requested the original signed contract as well as subsequent statements. I have never had an account with Jefferson Capital System. This company has also failed to provide the documentation I requested verifying I am the owner of this debt. The information provided via XXXX XXXX  via XXXX In partnership with XXXX In partnership with XXXX Current dispute File number : XXXX File number : XXXX Sent to XXXX On XX/XX/XXXX In review On XX/XX/XXXX Completed On XX/XX/XXXX Need to send XXXX additional information? 
Heres how to contact them JEFFERSON CAPITAL SYSTEM Submitted on XX/XX/XXXX Not Changed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. attached is my ftc report, social security card, state id and utility bill My identity has been stolen. 

Unauthorized Accounts/ collections have been fraudulently used in my name. This is wrong. 

block and remove these accounts/collections/charge offs XXXX. Experian Collection/Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experianXXXX 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 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: Checking or savings account

I have banked with Bank of America for 17 years. I have never filed a claim n them. On XXXX of 2023 My account was hacked and compromised causing me to lose XXXX in transaction via XXXX XXXX so random people that I have no idea who they are and where they live. My car insurance is canceled at the present moment do to not having the money available in my account. I have contacted my internet provider and my cell phone carrier. About the situation and they have changed my hardware and my sim car for my phone. I am still waiting for them to give me a resolution to this matter, and they keep blowing me off. Serval on my neighbors have had. The same issue with this bank. I don't know where else to go and ask for help. Please help me I have a family to support and take care of.
Product: Debt collection

I'm a victim of identity theft. I notified XXXX of this and you. I provided the fraudulent charges several times. As well as police reports and ftc reports. I reported that my card was lost. And never received a new card. Most of this is when I didn't have the card. I filed a few complaints with the XXXX  as well as the cfpb. I can not believe even after taking charges off they. Were then returned. This has been a horrible experience fighting XXXX to prove my case has only made it more stressful.
Product: Money transfer, virtual currency, or money service

I set up a Venmo account.My friend transferred XXXX XXXX dollars to my account. Whenever I tried to transfer the funds from venmo over to my bank account my account was frozen For suspicious activity. I called them And they said all I needed to do is upload my bank statement and drivers license. I did that. Theu unfrozen my account and told me I can now transfer the money. I initiated a transfer and then they suspended my account permanently. When I asked why, the response was " sorry, we can no longer help you '' No money shows up in my venmo or bank account. This all happened between the dates of XXXX and XXXX