23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NOTICE IS HEREBY GIVEN that an action has been commenced and now pending in this court upon Complaint of the above-named Plaintiff against the above-named Defendant ( s ) for the problem is a predatory and fraudulent loan perpetrated against the XXXX XXXX ( Plaintiffs ) by Caliber Home Loans, INC. ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( Defendants ) including GRAND THEFT OF MONIES PREPAID IN AMOUNTS OF {$52000.00}, and {$2000.00} via cashiers check in good faith but which amounts were swindled by defendants with the use of material misrepresentations, fraudulent disclosures, and by other fraudulent and deceptive instruments used to unlawfully inflated a purported mortgage loan to astronomical and deceptive amounts inconsistent with law and the initial agreement. There is a further breach of contract issue for failure to deliver the home bargained for. I have two different HUD1 disclosures. They charged me closing cost twice. I have all the email and documents. The closing attorney provided false discloses. There several of breach of contract. The builder shorted us 66 square feet of the house that picked for the floor plan. I asked for a QWR. When I received it the company told me they could speak to me about my account. They short the loan so fast that we have two different payoff balance. They can't even produce the note. Plus, the Seller didn't pay closing cost. On the contract under financing the Seller stated Purchaser is responsible for all closing fees. The loan was {$190000.00} and added closing cost in the loan making the total {$200000.00}. Plus I was suppose to pay 3 % down because they stated We qualified for conventional loan, but they stated I had to bring over {$50000.00} XXXX dollars. I have all email and the attorney they South Carolina Consumer Affairs a different hud from closing so I glad he did that so I have two different huds. 
1 ) Predatory Lending 2 ) Fraud 3 ) Breach of Contract 4 ) FEDERAL EQUAL CREDIT OPPORTUNITY ACT 5 ) RIGHT TO CHOOSE CLOSING AGENT/ATTORNEY 6 ) FAIR CREDIT REPORTING DISCLOSURE 7 ) Right To Choose Closing Agent/ Attorney
Product: Checking or savings account

i was scammed on the phone by a person claiming to be from my bank and said they were reversing charges through cash app and were actually taking money from it. i lost over XXXX and the bank said there inconsistencies in my claim. i called there fraud dept right after i felt like i was scammed. was told by there employee that i was definitely scammed and that she was putting a hold on my account and the charges should be stopped. when i went to the bank the banker told me she saw in the notes that she was supposed to put hold on acct but didnt. now bank wont refund my money and cash app is also denying to refund. please help
Product: Checking or savings account

I have over {$100000.00} on deposit with CitiBank ( these funds are available ). I have had two checking and one savings accounts with them for over a year with over $ XXXX in funds from the accounts inception. I needed to complete a wire transfer today for a real estate closing and they will not allow me to access my funds. There is a message saying 'Access Blocked '. I've talked to no less than 15 people at their company today across all departments - fraud, security, and customer service departments ; I have also escalated to several managers. These people are in the XXXX and have nothing but a script to follow and can not and will not help. They have told me there is no access to anyone in the United States, for which I have repeatedly asked. They suggested I visit a branch, but there are no branches that I can find in Colorado. 
They suggested I try using XXXX - so I enrolled in XXXX with my Citibank account and sent {$5000.00} to my linked XXXX account ( which is the minimum Im allowed to send ). They blocked the transaction and locked me out of my account completely. I have gone through both standard and elevated authentication processes with multiple departments within Citibank multiple times today and have more than sufficiently authenticated myself. I am very upset that they will not allow me to access my own money, which will have a devastating personal impact on me since I will not be able to close on my new house for which Ive been saving for years. I am highly concerned and afraid that I will not be able to gain access to my funds. My stomach is in knots and I have been in tears all day over this. No one there will or can help. I believe something extremely concerning is occurring and beg the CFPB to look into this with immediacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONN APPLIANCES INC Under dispute Date opened XX/XX/2018 Balance {$3500.00} ( This information is incorrect, My home was destroyed due to a tornado that happened XX/XX/2018, Prior to this everything was paid on time, I called Conns Appliance informing them of what happened and that i no longer had the furniture that they wanted me to pay for, They told me to file an insurance claim which i did and heard nothing else regarding the matter. At the time of this disaster where i lost my home i was also in the hospital after giving birth to my son. This has caused major stress in my life
Product: Vehicle loan or lease

I have been current on my car loan for well over a year. I called in on XX/XX/XXXX to make a payment and the payment was declined by the servicing company. I asked why they are refusing my payment and Exeter explained that my car loan had been charged off. I asked why and no one was able to tell me why. I was placed on hold in excess of 35 minutes and eventually they hung on me. I placed several calls over several weeks and was able to get the Vice President of the Charge off dept. on the line and he explained my loan was charged off in Error. My payments were still declined, and I was asked to allow them time to correct this in their system. It took them until XX/XX/XXXX to get this corrected in their system. I was Offred a XXXX extension to cover the XX/XX/XXXX and XX/XX/XXXX payment. They begin to accept my payments as of XX/XX/XXXX and was paid on time, However Exeter reported to my credit report that I was over 30 days delinquent when they refused my payments for 2 months Straight!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX, XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent two letters prior to ALL 3 credit bureaus in regards to fraudulent accounts on my credit that I've been working to get removed and have yet to get any result sufficient for this situation. 

I would like for the reporting agencies to please investigate and remove also Update my credit report. 

The issue is that fraud should not be allowed but even more once the fraud is noticed and I've requested that these matters be investigated the bureaus are not taking the diligent approach as they did when they reported and allowed the fraud to be there. 

these are the current reporting accounts that are fraudulent and I would like removed : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I am using this to report chain mail fraud. Not sure what is more impressive, the creative department names or titles! This was a fun run. All Wells Fargo correspondence is sent via electronic means. I do not receive or have approved any mailings. Attached are photos of the envelopes and mailings. Just some, I threw most of them out. Please investigate, I have lost {$200.00} because of this. Thanks. All happenings have been reported to Wells Fargo. 

Logos on the envelopes are ill placed and the lettering is not appropriately sized They are using a Newspaper and advertisement black and white print logo, not the exact tone match. 
The Watercolor logo is not embedded, but printed. 
Addresses keep changing Black and white not in color as per the general Wells Fargo mailing Cheap paper Double sided printing Not the Wells Fargo designated envelopes. 

Under zero circumstances, are any correspondence and attachments to be shared with XXXX XXXX, or any other Attorneys at XXXX, XXXX, XXXX. Thanks Reported BY : XXXX XXXX Customer XXXX XXXX XXXX, XXXX Ca XXXX
Product: Mortgage

XXXX XXXX XXXX is not complying with FCRA regulations. I am a consumer that is currently under a forbearance program that prohibits any derogatory reporting to the credit reporting agencies. Currently XXXX and Experian are inaccurately reporting delinquencies into my credit profile.
Product: Credit card or prepaid card

An ID THEIF applied for and received a credit card in my name from Chase Cardmember Services ( Chase Bank ), who subsequently closed account due to concern about validity. They informed me via a letter referencing " my Account '' ending in XXXX. I called their ID Theft line XXXX and asked for further information about the application, to pass on to law enforcement. Chase Cardmember Services refused to release it to me unless I put the request in writing, along with a copy of my Govt-issued ID and an Affidavit from the FTC. 

That is a lot of work and additional exposure to gain access to information they clearly have available but are reluctant to share.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal information, delete the accounts violating the FCRA and delete the inquiries which I did not authorize
Product: Credit reporting or other personal consumer reports

It is absolutely horrifying that my credit report have been pulled up unbeknownst to my knowledge, upon checking, I found several applications that were done in my name that I haven't authorized nor consented to. It is extremely distressing, this is impacting my life and credit negatively.
Product: Checking or savings account

Bank of Hawaii failed the ID verification responsibilities under 12 CFR Part 222 Subpart J - known as Reg V. 

A fraudulent account was set up in the Bank of Hawaii using my personal information and a suspicious transfer was deposited in my account with XXXX XXXX XXXXXXXX for {$0.00}. I alerted Bank of Hawaii of this fraudulent transaction and fraudulent account by calling their fraud department. I was told they would freeze the account and conduct an investigation on XX/XX/23. They told me that the account could not be closed until an investigation was completed. 

The next day, XX/XX/23, {$4700.00} was debited from my XXXX XXXX XXXX  account and transferred to the Bank of Hawaii. Bank of Hawaii failed in their duties to verify the identity of the account holder requesting to open an account with their bank, failed to prevent theft when warned, and failed to close a fraudulent account when asked. 

The account balance remains outstanding, XXXX XXXX XXXXXXXX and Bank of Hawaii have failed to make me whole in this instance of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my credit report from a company that I never heard of. The " Collections company '' is listed as Credit Mgmt - XXXX. The " original creditor '' is listed as XXXX XXXX XXXX. The amount is for {$780.00}. It says opens since XX/XX/XXXX and last account activity shows XX/XX/XXXX. This is not my account. This is totally unfamiliar to me. In the payment details sections it says " XXXX / XXXX ''. 

When I googled XXXX XXXX XXXX, a company called XXXX XXXX came up. When I called the XXXX XXXX company, the lady answered and knew of the XXXX XXXX XXXX company. She said that it was part of XXXX. She went to offer me her credit repair services and said for {$100.00}, she could get this item removed from my credit report. I declined because this is NOT my credit responsibility. 

I called XXXX ( whom I do have an account with that is is perfect standing and no past due balance ). The person at XXXX said that XXXX XXXX XXXX is NOT their collections company and that I do not have an outstanding bill.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a direct deposit style debit card in the mail through Venmo that I had not applied for. My social security information has been compromised for some time now, so I immediately called Venmo to have this account/card cancelled which they happily did. They stated I was not responsible for charges. However, the problem I have is that my information is entirely frozen on all credit and banking bureaus, including XXXX. From my understanding, financial institutions such as Venmo are to request my information from XXXX, being that is is the banking record bureau, before opening a new account in my name. If they had done that, they would have seen my account was flagged and denied the fraudulent account. Clearly, they did not follow through with with responsibility. When talking to the agent, I asked why this consumer protection measure was not done. We went back and forth for several minutes, with him telling me that how was information is used is a " trade secret '' and he can not reveal trade secrets to the laymen like myself. However, I was simply asking why they had not done what they are, by law, supposed to be doing whenever a new account is requested. After several minutes of a runaround, with him admitting no fault and refusing to actually answer my questions, I simply gave up attempting to get an answer. He then said it would be escalated to a manager who would erase any charged brought onto the card. I asked if I could expect a call from said manager, with a report of what charges, if any, were made in my name. Again, I was told this was " trade secret '' information because it reveals how their company deals with fraud. Overall, it seemed like a very shady practice, and the company is not fulfilling their duty of checking credit and banking reports before opening a new account.
Product: Debt collection

Hello and thank you for your consideration. I noticed an item that was sent to collections as a charged off debt from XXXX. However, this alleged debt was settled prior to terminating my contract with this company. Prior to closing the account, I made a payment of {$160.00} to XXXX and was told that this satisfied all outstanding charges. I have tried to contact XXXX and they have refused to validate the debt. The debt was transferred to a company called Amsher Collection Services. Both Amsher and XXXX have refused to validate the debt owed or provide any documents proving the alleged debt.
Product: Credit card

XXXX XXXX Bank closed my card and withheld the more than XXXX in points I had accrued. Those points have a value of {$1400.00} dollars in airfare or {$1100.00} in cash statements. I want the value of those points, considering that I earned them fairly.
Product: Credit reporting or other personal consumer reports

Complaint to the CFPB Regarding Inaccurate Credit Reporting by Credit Reporting Agencies Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Credit Reporting Agencies for Reporting Inaccurate Information in Violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) Complaint Details : I am filing this complaint regarding the Credit Reporting Agencies ( CRAs ) failure to uphold the Fair Credit Reporting Act ( FCRA ) obligations and failure to ensure the accuracy of my credit reports. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) review and address these inaccuracies with the CRAs. 

On XX/XX/year> I sent a formal dispute to the CRAs, disputing the inaccurate information being reported on my credit report for the following accounts : 1. Account Name : XXXX 2. Account Name : XXXX XXXX required under 15 U.S.C. 1681e ( b ), all information provided on my credit report must be entirely accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( 5 ), the CRAs are mandated to reinvestigate disputed information and correct or delete any inaccuracies found within a reasonable timeframe. However, despite my formal dispute, the CRAs are still inaccurately reporting these accounts, which continues to damage my creditworthiness. 

Specific Issues with the Reported Accounts : XXXX Account : This debt has never been validated by XXXX, and despite my dispute, the CRAs continue to report inaccurate information. My dispute indicated that, by law, if XXXX fails to validate the debt, the account must be corrected to reflect a paid in full status or removed from my report entirely. 
XXXX Account : Similar inaccuracies persist on this account, despite my dispute and notification to the CRAs. The CRAs have failed to ensure the information is updated accurately or removed. 

By continuing to report inaccurate information despite my dispute, the CRAs are not only violating 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), but they are also failing in their duty to reinvestigate and resolve disputes fairly and promptly.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I had a loan ( # XXXX ) with XXXX Mortgage that we were working on a Deed In Lieu during XXXX. We were 90 % through the DIL process when they transferred my mortgage to New Rez/Shellpoint in XXXX of XXXX. 

I consummated the DIL with Shellpoint on XX/XX/XXXX with the final doc attached showing it was assigned to XXXX under loan number XXXX. Property address was XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX - XXXX  XXXX. 

On XX/XX/XXXX I received a letter from Shellpoint stating they were transferring the mortgage we completed the Deed In Lieu for ( XXXX ) to XXXX effective XX/XX/XXXX. 

XXXX - I spoke with a representative at XXXX ( XXXX ) who allowed me to email the XXXX XXXX to XXXX and said she would forward it on. 

XXXX - I spoke to XXXX XXXX at Shellpoint and was asked to email the DIL doc to their XXXX email address. 

XXXX - I received a letter from XXXX stating my account ( loan # XXXX ) is in default and due for a XXXX mortgage payment. 

The DIL was frustrating to complete with both organizations but I am befuddled how after completing the DIL how Shellpoint could transfer the mortgage to XXXX. I am having to now spend hours calling, on hold, speaking to representatives and documenting this series of events. 

Please help me take action and remediate their error of transferring a mortgage ( Shellpoint loan # XXXX ) that no longer exists to XXXX ( old loan number XXXXnew loan number XXXX ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Debt Account Number : [ Last XXXX digits of the account number : XXXX XXXX XXXX XXXX XXXX XXXX  ] Dear Sir/Madam, I am writing to formally dispute the validity of the debt referenced above, In accordance with 15 U.S.C. 1692g, I am requesting that you provide me with validation of this debt. Specifically, I ask that you provide the following : XXXX. XXXX. XXXX. XXXX. The amount of the debt ; The name of the creditor to whom the debt is currently owed ; A copy of any judgment ( if applicable ) ; Proof of your authorization to collect on this debt. 
Please be advised that 15 U.S.C. 1692g ( b ) requires that you cease all collection efforts until you provide the requested validation. If you fail to provide this information, I request that you immediately cease any further attempts to collect this debt and remove any record of this debt from my credit report.

Additionally, under 15 U.S.C. 1692c ( c ), I request that you cease all communication with me regarding this debt, unless you are taking specific legal action or providing me with the requested validation. This request applies to any form of contact, including but not limited to phone calls, letters, or any other method. 
I also request that you suspend reporting this debt to any credit bureaus until you provide proper validation of the debt. 
Please provide your response in writing to the address listed above. As required by law, you have 30 days from the receipt of this letter to respond. If you are unable to validate the debt, I request that you cease all collection activities and remove this account from my credit report immediately. 
Thank you for your attention to this matter. I look forward to your prompt response
Product: Credit reporting or other personal consumer reports

Company failed to remove collection after they were updated from the creditor. All of credit bureaus have deleted this invalid information and transunion is ignoring all request and causing credit issues for consumer but reporting 4 collection accounts when there are none