23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022 I instructed my escrow officer to wire Homestar Financial Corporation {$500000.00}. 
I have made many phone calls, a registered letter and had an attorney write a letter but to date there has been no communication from Homestar Financial Corporation to me. 
The deed of trust satisfaction has not been sent to me nor has it been recorded in XXXX XXXX. 
I can see that on several documents I said XXXX XXXX XXXX instead of Homestar Financial Corporation. They are XXXX and the same and all reference should be Homestar Financial Corporation including the registered letter. My mistake. 

I have not received any closing statements from Homestar Financial Corporation. 

I have spent hours and money ( attorney fees were {$100.00} ) trying to contact Homestar Financial Corporation and have exhausted my options. 

After contacting the office of Representative XXXX XXXX I was given your contact information. 

I would appreciate any assistance you could provide to resolve this issue. 

Thank You
Product: Debt collection

IC Systems account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.
Product: Mortgage

I have already filed a comlaint about this but have a new issure with this company. I had a mortgage with First Merit bank. They had a law form send me the only notice i ever recieved dated XX/XX/2015 that i recieved on XX/XX/2015. This notice wa as i stated the only notice i ever got from then. It stated that they were plannnig to hold a forclosure sution on XX/XX/2015 for my house. Even this law firm admits they have no prof thatbo recieved prior notice of this. Well i sold this house for cash before they did anything. This loan was paid in full an closed on XX/XX/2015. The title company as well as the broker that did the closing said they never heard of a bank being able to charge for a fee called uncollected attorney costs when this was sold sn paid before it was forclosed. There is also nothing listed as to where an how much was applyied to this account that was being held untill it was paid. Then the final complaint i have is that on tuesday XX/XX/2015 sbout 15 minutes after i was relashed from a hospital where i under went a XXXX that i was unable to complete. I recieved a phone call from collections at First merrt bank. The guy asked me if i can pay the past due smount an if i plan to keep this home. Thats when i let him have it for reuining my day further after not being able to complate my XXXX. They do not have employees that can do there job an dont know to check things before they call an harrash people. I do feel they over charged me for this uncollected attorney costs that should be there exprense then to have to deal with somebody that does not have intellagence to know that this was paid 8 days before they harrash me. I now deel that First merit bank owes me a public appalogy as well as a refund for these fees assl as interest. They do not care about service they only want money. I have been in contact with a consumer protection attorney an looking into suing them for harrashment as well as XXXX medical bils from the strss they have now caused. Thank very much
Product: Mortgage

Ocwen changed names in XXXX to PHH and XXXX XXXX. Stopped accepting payments. Paid 2 different law firms to get assistance for this company to apply payments instead of send payments to suspense account or foreclosure attorney. 

Applied for COVID assistance through state of MN XX/XX/XXXX with the help of a MN HUD agency. XXXX XXXX has again held payments in suspense account, and threatened foreclosure. XXXX XXXX has Failed to accommodate the Covid Relief Program for homeowners, and failed to apply payments. 

Have been locked out of online access to account since XXXX of XXXX.
Product: Bank account or service

I had fraudulent charges made on an account I used to have with well 's Fargo, ( XXXX XXXX XXXX, MN location ). I disputed the charges with the bank, but they never resolved the issue and claimer they believed I made the charges. I even filed a police report about the charges, and contacted the MN XXXX, but Well 's Fargo responded over and over claiming they believed I made the charges. They also put this as a negative mark against my credit score and had a debt collection agency contacting me. The debit card claim number for my dispute over this ordeal is XXXX. A total of {$3400.00}. 

I felt like I had nowhere else to turn, until I recently found out about the CFPB. I have the copy of the police report, and copies of the report I made to the MN XXXX, along with the response letters from Well 's Fargo.
Product: Credit card or prepaid card

We recently discovered two FRAUDULENT charges on our account. 

XXXX billed {$69.00} on XX/XX/XXXX and again on XX/XX/XXXX for an account that was never purchased. 

NEITHER CHARGE WAS AUTHORIZED. 

To date, CITI has refused to file dispute claims against either FRAUDULENT charge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I had a credit card with XXXX XXXX. It was stolen and reported as fraud because someone else was using my card. I closed the card and XXXX XXXX sent me paperwork that the account had closed. They are still reporting on experian that I owe XXXX dollars to XXXX XXXX for a STOLEN credit card. Im furious
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent and negatively impact my credit score and my ability to obtain financing. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only authorized and verified inquiries remain on my report. Below are the unauthorized inquiries that should be removed : XXXX XXXX XXXX XXXX XXXX, XXXX I have attempted to contact the entities responsible for these inquiries to verify their authorization, but I have not received any response that justifies these actions. Therefore, I consider these inquiries unauthorized and fraudulent. 

I am attaching a copy of my identification and proof of address to verify my identity. I am also including a Federal Trade Commission ( FTC ) Identity Theft Report and any other necessary documentation to support my case. 

I request that, in accordance with the FCRA, these unauthorized inquiries be removed from my credit report immediately. Please notify me once this action has been completed or if additional information is required to process my request. 

Thank you in advance for your attention and prompt resolution of this matter.
Product: Checking or savings account

My checking account at Regions Bank was in overdraft {$65.00}. The bank allowed a {$4.00}. XXXX cent charge to pass through so that they could charge an overdraft fee of {$72.00}, knowing that I am getting a deposit of almost {$2000.00} on Friday. Mind you, I have overdraft protection and grace. When it was at {$6.00}, I tried to make a withdrawal using overdraft protection and grace like I have before. They said I couldn't that because I had insufficient funds. So if I couldn't withdraw funds when my checking account was in the black, how come the bank could " allow '' a {$4.00} charge so that they could charge an " overdraft fee of {$72.00}. I am sure they have done this before. I like Regions Bank, but I need my money just like they need to have good customers. I would appreciate your assistance to resolve this matter because I need every nickel, dime, quarter, dollar i can get and keep. Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've noticed that I've been a victim of identity theft and a fraudulent account, inquiries, employer information and addresses on my credit report. Here 's what I've found BXXXX XXXX XXXXXXXX XX/XX/XXXX {$84.00} XXXX. Inquiries were 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 Employment information is XXXX XXXX. The addresses are XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX This is what I've found. Please remove this fraudulent information from my credit report ASAP. Thank you.
Product: Credit reporting or other personal consumer reports

Experian report an inquiry in my credit report from XX/XX/year> by XXXX XXXX XXXX. I have no knowledge of authorizing this inquiry, neither or have an account with this company.
Product: Bank account or service

The bank is USAA Federal Savings Bank. I have been a customer for over 12 years. The bank allowed access to my checking, savings, and insurance accounts. Within minutes someone had taken a little over {$800.00} out of my accounts. I received notification via email that my car insurance id was ready to access as well as a quote for car insurance. I had not called the bank to do these actions. So I then called the bank but could not access the automated information due to it not recognizing my zip code or other personal identifiers previously in place. When I spoke to a representative I was told the account would not have the changes take effect to the insurance and it seems as someone called in as me. I was travelling so I ended the call but attempted to check my mobile app to determine if my bank account was touched, I was able to access via the app at first and found that there had been transfers from my savings and another checking account into a main account at the bank that I had not authorized. I immediately called the bank back again and after a 30 minute wait to speak to a representative was disconnected during a transfer to security. I had to call back again and waited approximately 30 more minutes to speak to someone again. I advised them that I did not authorize any change, transfers, or withdrawals other than a gas purchase and food purchases not over {$10.00} and wanted to file an unauthorized access to the account. When I advised them that I was travelling for the holiday and I needed my funds, not to let anyone take the money they advised they would allow me to get to an ATM to withdrawal funds. However, my card did not work with the PIN and then I was told the money I saw minutes ago on the app was no longer there because of a XXXX Transfer. I had not authorized a XXXX transfer I had been on the phone within minutes of the unauthorized access due to the account alert from the insurance access. I was stranded during my travels and told it would take 3 - 5 business days before I could access the money or get anything back. USAA would only apologize even though their records show they provided unauthorized access ( they called it suspicious caller ) to my account. A representative made a comment after reading the notes in my account " Oh this is bad ''. They apparently sent a Power of Attorney to someone but I received no form in my email account, which the caller could not even provide the correct email address per the representative. I would like to request the notes on the account so I can read what actually happened. There is a Freedom of Information Act which should allow this. My paycheck will be deposited and I will not be able to access it all due to someone being provided access to my account over the phone and online.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 

The following are the inaccurate information reflected in my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES XXXX  BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I am writing this complaint regarding late payments with XXXX XXXXXXXX. There are late payments being furnished on my consumer reports that are incorrect. I was never late regarding this account. I am requesting that these late payments be removed. I have already called XXXX XXXX to confirm this to be true. It is in fact an error. I was told to dispute it with the consumer reporting agencies. The late payments are an error. 15 USC 1666 BILLING ERROR.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my XXXX XXXX. I received a letter from CFPB on XX/XX/2022 that Credit Bureaus closed my complaint to protect my PRIVACY. I called XXXX credit bureaus after I purchased a credit report from XXXX on XX/XX/2022 After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX REDROCK CT XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$2600.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}. 
on my credit report which are UNKNOWN to me. This is disappointing because I have been paying IdentityIQ to get a report every month and I have been disputing fraud items on my credit report all this time. XXXX of the staff told me to visit https : XXXX and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX, XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Transunion in XXXX and XXXX in regards to 3 fraudulent account that didnt belong to me that were due to identity theft ( XXXX XXXX, XXXX  XXXX  and XXXX  ) these account were open in my name without my authorization. I talk to representative in the beginning of XXXX to advised them of the issue and he asked for my police report number, and a statement, in which I did. Once the dispute was done they denied my request. I called and spoke with a rep who advised me that they needed a copy of my police report. I sent my police report and dispute letter on XX/XX/XXXX certified mail and I showed it was received XX/XX/XXXX ( tracking number XXXX. I called Transunion in XX/XX/XXXX to see if they started progressing my dispute, they told me they having got it yet and it takes 5 days for the dispute to get into the system. So I waited until today XX/XX/XXXX to call to see if they received. The first rep I spoke lie to me and told me they havent received it and started to mention my old old disputes. Then he placed me on hold for 20 minutes then stated that they received my request on XX/XX/XXXX and that they closed out my request today XX/XX/XXXX and they my dispute was denied again. So i called them again and requested to speak with a supervisor, once the supervisor got on the phone, I advised of the last representative that I spoke with him, and I asked her to look over my disputes. She looked over my disputes and she told me that they didnt received my letter for XX/XX/XXXX and she then progressed to open a new dispute ... I dont know whats going on with Transunion but they are violating a lot of the fcra rules and regulations and they arent protecting victims of identity theft. The fact that arent taking this issues or trying to help me with this issue is disgusting. I feel like they are trying this like a game. This is my life and my credit. I worked hard to keep get my credit good. The fact that they arent doing their job is just disturbing. I will be also contacting the ceo XXXX XXXX to review all those calls and to see how his employee treats their customers and how they dont follow the fcra follows
Product: Mortgage

We were wrongfully foreclosed on. We have tried multiple avenues to save our home, and have tried communicating with the lender ( Towne Mortgage ) to try and save our home. Everytime we tried we received a short response that they will not assist us by their attorney. We did not get a fair loss mitigation review to help save our home. We have received an audit of our mortgage and there are numerous mishaps that occurred with the mortgage company. We are filing a lawsuit for wrongful foreclosure and the hardship it has caused us. We ask that they cease and desist the sale of our home until the wrongful foreclosure lawsuit is completed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

I 'm addressing the fraudulent vandalism by BOA employees, to my house during the loan modification. My civil rites as a property owner, were violated by BofA employed agents to try to get me to vacate my property, when I was only one month in the rear in payments, and owned my house for more than 40 years and had XXXX BOA loans for more than 80 years. My XXXX XXXX XXXX stated that BOA was responsible for the damage, and cancelled my homeowner 's insurance policy. I took this up to the Department of Insurance, and they told me that you were working with litigation with Bank of America, also recommended I contact the BOA/ CEO president, he said that he could not speak with me because he was working with the state of California on litigation. 

We are XXXX and have limited income and are XXXX. We have a home which we have owned for more then 4 decades and was vandalized by BOA during their loan modifcations.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681b - Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not authorize XXXX XXXX XXXX XXXX XXXX nor any Credit Reporting Agency to report any late payments to my report.

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section XXXX of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

My request is to delete the late payments from my consumer report, being that XXXX, XXXX, Equifax, and XXXX is in violation of 15USC 1681. 

XXXX acct # XXXX
Product: Vehicle loan or lease

XX/XX/2020 and XX/XX/2020 due to Covid 19 the government shut down the country and many states shutdown too. At the time Capital One would only take my payment via phone with a debt card or credit card, I was unable to get through to anyone on the phone due to no one working or limited staffing issues at Capital One the phone lines were left unanswered resulting in late payments being made on my account. I have asked on numerous occasions for Capital One to remove the late payments to no avail.