23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I obtained a XXXX Mortgage as well as a XXXX mortgage on my home XX/XX/XXXX with Wells Fargo Bank. I lost my job of 27 years, at the age of XXXX, XX/XX/XXXX, and after 2 years, spending all of my life savings of {$150000.00}, still unable to find work, I was forced to file for bankruptcy protection in XX/XX/XXXX. In that filing, IT IS A MATTER OF RECORD THAT I REAFFIRMED both mortgages with Wells Fargo. The industry being in the mess that is was, I never received confirmation letters confirming my reaffirmation on both loans, no matter the number of attempts made. In the entire life of each of these loans, before, during, and after the bankruptcy filing, and continuing to this day, I HAVE NEVER MISSED A SINGLE MORTGAGE PAYMENT NOR HAVE I EVER MADE A SINGLE LATE PAYMENT ON EITHER WELLS FARGO LOAN in almost 10 years of paying the XXXX and XXXX mortgage. Yet, all three credit reporting agencies report that the mortgages were included in the bankruptcy filing rather than reaffirmed. I have contacted Wells Fargo repeatedly, filed credit complaints, provided the history, and Wells Fargo 's answer is that, notwithstanding the fact that I can prove both were reaffirmed, since they never confirmed that fact, they will not correct the record. 
I have suffered substantial and continuing harm from Wells Fargo 's egregious refusal to correct the record, such that my credit scores are as low as in the XXXX 's notwithstanding a perfect payment history with that bank and all others, with the exception of the bankrupted debts which did not include Wells Fargo Home Mortgage. 
Please tell me what can be done to correct this injustice. 
Thank you
Product: Mortgage

I purchased a home and the closing date was XXXX. I was given 2 temporary payment coupons to use until my account was finalized. I sent a check on XX/XX/XXXX for my XX/XX/XXXX payment. The check did not clear and my mortgage was transferred to XXXXXXXX XXXX. I was forced to make another payment to XXXXXXXX XXXX  so I would not be in default. That payment was made online on XX/XX/2021. THEN the check cleared from my original lender ( Guaranteed Rate ). That payment was not forwarded to XXXXXXXX XXXX  and now I am owed one months payment. I have made all payments to XXXX XXXX since then- on time. I have called Guaranteed Rate customer service over ten times. With long hold times and multiple call transfers.. I even had a conference call with XXXX and Guaranteed Rate on XXXX. The result of which was : " payment transfers can take a long time ''. 
I can, and will, provide all documentation and notes from ALL of my calls.
Product: Mortgage

This is the 2nd year that my mortgage company Freedom Mortgage is almost late paying my property taxes. This is totally unnacceptable. I received a letter from my county stating that taxes are due and the mortgage was late sending payment out. This is a big inconvenience as I almost had to come out of pocket to pay it. Something needs to be done with them. I rather have another Mortgage servicer.
Product: Credit reporting or other personal consumer reports

When I was dispute items on my credit report on XXXX I saw another SSN on my profile that not mines ended in XXXX and they told me it's no other one on my profile I told it's on the dispute side and asked me to call to dispute I asked to speak with a manger on Saturday XX/XX/22 and he couldn't see the he saw it on another login screen and said he was gon na put in a ticket for maintenance to remove it and escalate to remove two items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX That not mines I keep disputing these item and doesnt want to take it off especially when I say another ssn on my report and my name was spelled differently on there as well
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 noi 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.

I want the CFPB to publish this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and XXXX several times about an on going issue, Experian and XXXX XXXX continues to update and report a 125 % utilization on a 2 year old XXXX  XXXX charged-off in the amount of {$2000.00} that is alleged to belongs to me. 


I have spoke with Experian about this issue over the phone, they refuse to investigate. I noticed XXXX XXXX is an original creditor who sold that account to a collection agency, in 2016, but continues to update a balance of {$2000.00} and a 125 % utilization to prevent me from applying for loans. 

Experian is in clear violation of the Federal Credit Reporting act and continues to report information they know that is inaccurate.
Product: Debt collection

Capital account have a collection on my credit. I mailed two notarized affidavit on different dates asking for a signed contract between myself and capital accounts No response twice. I made a complaint with the XXXX XXXX XXXX and capital accounts responded stating I DO NOT HAVE A CONTRACT with them nor A Debt with CAPITAL Accounts they stated they are trying to collect money for another company. How can Capital accounts report falsely report I owe them to the credit bureau 's but say I don't owe them.Capital account is reporting inaccurate information under the fair reporting act they can not do this.
Product: Mortgage

I HAVE ALL OF MY BANK STATEMENTS SHOWING THE PAYMENTS THAT I HAVE BEEN DILIGENTLY PAYING, ESPECIALLY THE EXTRA PAYMENTS ON THE PRINCIPAL AND IVE FILED COMPLAINTS SEVERAL TIMES AND INSTEAD OF CORRECTING THE PROBLEM THEY DO THE OPPOSITE AND TAKE MORE MONEY AND ADD IT TO MY PRINCIPAL AND I BELIEVE THAT THEY ARE PURPOSELY DOING THIS BECAUSE THEY CAN!!! I WOULD LOVE IT IF SOMEONE COULD HELP ME FOR I AM FRUSTERATED AND VERY CONCERNED I AM FAR FROM BEING RICH!! THANK YOU XX/XX/XXXX XXXX XX/XX/XXXX {$1500.00} XX/XX/XXXX Escrow Only Payment {$00.00} {$00.00} {$1500.00} THEY ARE REVERSING ; MY PAYMENTS AND THEN JUST TAKING THE MONEY OFF MY PRINCIPAL AND THEN THE MONEY JUST DISAPEARS .... 
.SHELL POINT MORTGAGE COMPANY DBA NEW REZ XX/XX/XXXX {$3200.00} XX/XX/XXXX Escrow Only Payment {$00.00} {$00.00} {$3200.00}
Product: Debt collection

On XXXX XXXX, 2017, I received multiple phone calls from Oakridge Direct Solutions ( " Oakridge '' ) on  my cell phone at XXXX attempting to collect a debt for a third person. I asked them to remove my cell phone ( verbally, via email, and via written correspondence ). Oakridge violated the FDCPA multiple times ( e.g. attempting to collect a debt with a bystander, feigning the debt arose from criminal activity, failing to give a FDCPA warning, using hidden phone numbers to collect said debt, denying they are attempting to collect a debt, and lying about legal papers and processes ). See Recording ( attached ) XXXX ( Screenshot_XXXX ) and XXXX ( Screenshot_XXXX ). Ergo, I filed a complaint with your office. See Complaint XXXX. <P/>On XXXX XXXX, 2017, Oakridge again called my cell phone at XXXX still attempting to collect a debt on this third person. See XXXX ( Screenshot_XXXX ).  Oakridge left a message to call XXXX. I called and received a message this number is not valid, or no longer in service. However, when I had others call - then they receive a message they reached Oakridge. <P/>Plainly, this is telephone harassment as Oakridge continues to call and leave messages with me knowing they have enacted measures to stop me from contacting them.
Product: Debt collection

I sent the collection agency I dispute letter requesting for them to provide provide with bearing my signature that I owe this debt
Product: Checking or savings account

On XX/XX/2021 the bank closed my checking account with no notice to me and refused to refund my money stating I would receive it via a check. It took numerous calls to the bank to figure out what happened, as none of the reps was apprised of the reason. Finally a sarcastic female told me that I made too many disputes and the bank reserves the right to terminate anyone 's account without notice at their discretion. 2 days later I went to a branch in person and told them that I would report them for violating my human rights, my civil rights, and my XXXX rights under the ADA. I have been with the bank for decades. Before becoming poverty stricken when I was very comfortable, and then again after I was able to get on my feet after fleeing domestic XXXX, homelessness, and was receiving ssi for XX/XX/XXXX injuries. What has happened is that since XX/XX/2021 I have been a victim of identity theft and have had a lot of trouble with the perpetrators violating my checking account as well as my computers, cell phones, and printer. The XXXX Police Department has repeatedly refused to make a report or to investigate. They respond by telling me to see my doctor. I have a very limited income, but the criminals would make double payments to creditors, utility providers, and the like, which I would have to dispute or else overdrawn. Despite canceling debit cards and getting new ones, checking accounts and the like, nothing worked. I also made disputes for services not received or defective merchandise such as vape pods in XXXX that were XXXX market quality despite name brand prices ( which a vape dealer advised me of ). Not only has my life been XXXX since this, but my service animals were poisoned by a landlord costing me {$13000.00}, and my beloved friend passed in XX/XX/2021. The remaining animal had been ill since. I too have been have been deathly ill from toxins in apartments rented through a housing subsidy program. I need to be relocated from my present apartment due to extensive mold ( 3rd apartment ), causing serious illness now, and potential XXXX that will be determined by biopsy soon. I have lost my renter 's insurance because the bank closed my account, which leaves me forced to stay in a toxic environment and also causes risk of homelessness because my building requires all tenants to carry renter 's insurance. I also had a XXXX XXXX on XXXX XXXX, and have other serious health issues. I have no one to help me whatsoever. I reported the identity theft to the bank several times and asked for their help but they could do nothing so they said. I feel that I deserved notice so that I could make other arrangements at least. I am already a marginalized elderly XXXX female, sick, and risk homelessness at this time. The bank 's website declares it is a huge human rights advocate. This I feel is hypocritical.
Product: Debt collection

I am writing to dispute inaccurate information on my credit report related to the account with XXXX, account number XXXX, which was opened on XX/XX/2018, with a current balance of {$0.00}. It has come to my attention that the payment status and late markings for this account are inaccurately reported. I want to emphasize that I have never been late with XXXX XXXX, and upon discovering the reporting error, I contacted the company directly. They acknowledged the mistake and agreed to update the information accordingly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). XXXX XXXX.
Product: Debt collection

I was the victim of a XXXX XXXX XXXX and XXXX XXXX XXXX by a neighbor on XX/XX/XXXX in my apartment with my daughter who was XXXX XXXX XXXX and my XXXX year and XXXX year grand daughters who was at my apartment at that time. This happen at XXXX. My neighbor was arrested and taken to jail and charged with XXXX XXXX XXXX and XXXX XXXX. he kicked my door in and was coming at me trying to attack me. I XXXX XXXX XXXX XXXX with my XXXX, he still was still coming and then I XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, he ran off. I don't know what his intentions were or why he kicked down my door and was in my apartment, my grand daughters were shook up from this, that frighten them. The DA requested I move out and placed a restraining order agaisnt my neighbor. I went to my rent office and told them I was moving due to my XXXX XXXX and XXXX and I was too affraid to continue to live in my apartment by myself after this incident. The apartment manager agreed to let me out my lease, but told me I still had to pay my rent for the amount days I was living in the apartment. I at first gave the manager a letter stating I was moving out on XX/XX/XXXX. I wasn't sleeping in my apartment since the incident, so I written another letter stating I was moving out on XX/XX/XXXX, and I did moved out on XX/XX/XXXX. I was living at my oldest daughter house sleeping on a air mattress from XX/XX/XXXX until XX/XX/XXXX with the assistant from XXXX XXXX who helped me to pay part of my rent and deposit for my new apartment. To make a long story short. The XXXX at XXXX XXXX XXXX XXXX, reported to XXXX credit bureau since XXXX late rent on my credit report. I received a letter from a collection agency name Hunter Warfield requesting I pay {$330.00} at a 50 % saving. My credit score dropped to XXXX, Recently XXXX shows my credit score as XXXX with an amount of {$700.00} gaining interest. My rent with this apartment at that time was {$630.00}. They kepy my deposit of {$200.00} and no return of the pet deposit which was {$250.00}. The collection agency say I owed {$670.00} and the apartment was asking me to pay {$1000.00}. This is false report amount and it's a negative on my credit reportand this is hurting me financially. I am seeking legal advice and action. I'm the one that's still affraid to live alone and have nightmares because of the incident. I would the like an investigation done on this apartment complex at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ph # XXXX and collection agency Hunter Warfield at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ph # XXXX or XXXX. I'v already had XXXX to investigate and they refuse to remove it or remove the negative reporting. Yes, I have try to work with collection agency and apartment manager it's getting no where. This has been going on for 2 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting again my complain regarding this matter. The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.These are the accounts : XXXX XXXX XXXX XXXX Balance Owed : {$440.00} -Please check the Payment History and Status information on this account and adjust accordingly ; XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - Can you please run an investigation because the company is unheard of, the balance is unknown and the number is off? Please remove this collection from my credit report ; - ; XXXX XXXX Balance Owed : {$460.00} ; ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. ; XXXX XXXX XXXX  XXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account and adjust accordingly.
Product: Credit reporting or other personal consumer reports

File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity. An identifiable event has occurred.XXXX XXXX XXXXXXXX https : //www.irs.gov forms-pubs I have three credit accounts On XXXX XXXX  i was told that a 1099-C would be send by mail but now they refuse to send it because they said they did not charge off the account as settled in XXXX. But i have conflicting information that shows that they are reporting it to the credit bureau as a charge off but not the IRS. This constitutes fraud. American express must remove the fraudulent charge off and fabricate late fees to a charge off. For example the reduce the actual amount on the charge to from {$1200.00} to {$950.00} then at a {$50.00} payment to make it shows up as late with lates fees every month on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is unbelievable. I check my credit and I cant understand how someone stole my identity and get away with it they open up Credit Cards and then brought a Car using my information. 
how is this possible don't every company has to do there due diligence for every customer with out my signature. all of theses Accounts are fraud and was not authorize by me
Product: Credit reporting

An address listed on my Equifax credit report is not mine. This address is my Ex fiance 's address.
Product: Debt collection

Last year I co signed an apartment with my cousin she moved out and moved a complete stranger from an ad I asked manager to evict him or ask him to leave they told me no. My cousin spoke to them and they all agreed to get me off the lease I have email from the manager saying she was working on it. Today I started getting phone calls at my job by debt collector threatening me telling me this isnt going away  what am I gon na do I have to pay XXXX saying she has my social and will just garnish wages
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a item on my credit profile, XXXX, I contacted that company and they provided documents of the debt with no signature. I don't recall such a debt so I want proper verification of the debt with my signature, I have a open complaint against this company and the company XXXX another collection company and Equifax. I was contacted by Equifax by letter saying that the debt is verified as belonging to me,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX, has violated my rights with an unauthorized inquiry on 11/05/21. 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.
Product: Vehicle loan or lease

Good afternoon, My name is XXXX XXXX I am financing a XXXX XXXX XXXX through Hyundai Motor finance. I created an online account in their website to make payments. the first time on XX/XX/XXXX put my bank account information for autopay the payment got declined, on XX/XX/XXXX I was able to access and correct a number that was wrong in the bank account # and make the payment I received an email saying they received my payment authorization for {$430.00} and then another email confirming I am authorizing recurring payments to that bank account. 
On XX/XX/XXXX I finally received an email with payment confirmation of the {$430.00} that I made on XX/XX/XXXX, I decided to change the due date to the XXXX so another payment for the same amount {$430.00} was processed on XX/XX/XXXX the next day I received an email the payment was processed, and then on XX/XX/XXXX Hyundai sends another email saying my payment was not processed due to Returned Item - XXXX No account / Unable to Locate Account. 
At this point I am confused and upset if the payment I made using same bank account I left on autopay on XX/XX/XXXX went through why the one on XX/XX/XXXX got rejected?, I confirmed checking my statements on my Hyundai account and my bank transactions. I called Hyundai customer service on XX/XX/XXXX around XXXX EST and asked the supervisor XXXX why did this happened why my payment got rejected and they have blocked me from making payments online via my Hyundai account. She said because I had 2 rejected payments consecutive my online account is blocked to make any payments for 90 days and that I either must pay through the phone which will incur in a fee or send checks till then. she asked me how many numbers my bank account has, I told her XXXX, she said in her system only shows XXXX we also check last XXXX numbers. Now I have taken a picture of when I made my last payment and the account I left for autopay which shows XXXX. To what it looks Hyundai Motor finance is manipulating consumer 's information to charge late fees and other. Plus the 90 days block from my account seems like a harsh penalty seeing that I have put XXXX as down payment already for this car.
Product: Credit card or prepaid card

Two banks from which I have credit cards -- Capital One and XXXX -- have both reduced my credit limit despite my perfect on-time payment record, dating back many years. Both banks have said they are reducing the limit because I do not use enough of my available credit. Both sent nearly identical letters ( Capital One letter dated XX/XX/2020 is attached ). But I DELIBERATELY use only a small portion of my available credit, to keep my XXXX XXXX high and to have credit available for upcoming major purchases. By cutting my available credit BECAUSE I use a small portion of it, Capital One and XXXX are discriminating against me because of my PROPER AND CAREFUL use of credit ... my DELIBERATELY LOW credit utilization ... and my very high FICO score. The banks are forcing me to use a higher percentage of available credit by reducing the total amount available ... so if I use the SAME amount of credit, it represents a HIGHER percentage of the total.
Product: Credit reporting or other personal consumer reports

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 Original Creditor- XXXXXXXX XXXX XXXX XXXX XXXXXXXX Amount- {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Amount {$520.00} Both companies has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.