23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On the XXXX of XX/XX/2022 I deposited my check thru mobile phone deposit. Received an email same day later on saying I didn't have enough info. Provided info they requested and redeposited. A little later they canceled my deposit without my authorization. So I then redeposited and they said I wouldn't receive my money until the XXXX of XXXX XXXX  days after the fact. Argued with them for days trying to get my money because I have rent and kids to feed and bills and they held my money like that. Anyways was fighting a loosing battle kept getting the run around and borrowed some money from family to feed my boys waiting on my money in the XXXX the XXXX they closed my account for no reason
Product: Mortgage

XXXX sold my loan to Nationstar while I was in a modification. After 5 years, as per mod agreements, interest rate was to go from3 % to 4 % for a year, then 4.5 % until term. The payments at 4 % would be too much for me because of lost income and other events. XX/XX/XXXX I applied for another modification with Nationstar. It was approved, but I would n't know the terms until finished with the trial payments. Every month or so I will be assigned a new " loan specialist '' to help with my issues, but to date, never once spoke to the person assigned to me. every phone call I made meant I had to start over and every person I spoke with offered a different version. I was told by Nationstar staff not to worry about XX/XX/XXXX payment of {$5200.00}, to start XX/XX/XXXX with the trial payment of {$3600.00}. I paid on time all the 3 trial payments. Before that, I had never been late. XX/XX/XXXX, I was reported delinquent to the credit bureaux. My credit score went from XXXX to XXXX. I contacted Nationstar. They retracted it but never sent me documentation. Some of their staff told me they did n't report me. But again they reported me XX/XX/XXXX. 
My 2nd issue, I have n't been able to sign the mod agreement because they added my husband 's name to the loan. We are not legally divorced, but his name has never been on the mortgage and I am unable to locate him. I 've always held the mortgage alone and prior mod with XXXX had not been an issue. His name is on the deed. I was told by Nationstar it has to do with regulations from the town I reside in ( XXXX XXXX XXXX , NY ) I went to the town and was told that is not so. Any insight on this issue? All alone the 've been dealing with me and me alone. 
My credit score now is so low that I can ' even think of refinancing, because I do n't think Nationstar deserves my business. Also, the new terms of the loan is for 40 years when I only had 10 years left. I am XXXX now. I ca n't get them to write that there will be no pre payment penalty. I feel so lost now. 
Please help and advise. 
Thanks XXXX
Product: Checking or savings account

On XX/XX/2023, I filed a dispute with Cash App regarding a transaction amount of {$500.00} in my checking account. In the dispute, I requested a refund and claimed that the merchant used the transaction to take financial advantage of me and subject me to fraudulent business practices, resulting in me not receiving any benefit. Cash App denied my dispute and I requested the documents Cash App used to make its denial determination. Cash App only sent me a basic summary of the transaction but nothing from the merchant.

Cash App has disregarded my notices and is being unfair in its dispute procedure. Cash App 's reason for denying my dispute is insufficient and I am unreasonably being subject to a financial disadvantage.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Mortgage

I HAVE A HEARING FOR RESCHEDULE A FORECLOSURE SALE ON XX/XX/XXXX, AFTER THIS DAY THE LENDER WILL NOT REVISE ANY SHORT SALE OFFERS, I BELIEVE THE SERVICING IS DELAYING TO ANSWER PREVIOUS COMPLAINT, SO I RUN OUT OF TIME. SERVICER GREGORY FUNDING JUST DON'T WANT TO SAY HOW MUCH THE LENDER WANTS FOR THE PROPERTY, SERVICER IS NOT TRANSPARENT IN THIS PROCESS, AND IT LOOKS LIKE IS INTENTIONALLY DELAYING ITS ANSWER
Product: Credit reporting, credit repair services, or other personal consumer reports

someone is getting credit cards in my name without my permission
Product: Credit card or prepaid card

On several occasions within the past month I have applied for the apple credit card issued by goldman sachs. I have applied directly on my phone as well as on the XXXX website both applications were denied not for my credit but instead denied stating they were unable to verify my identity. I find this to be very odd seeing as I provided them with my date of birth as well as social security. I contacted apple technical support as well as apple card support specialists as the denied letter advised me to do. When I informed them of what the denial letter stated and I offered to fax them copies of my ID and SSN to verify my identity they stated that they were unable to accept it and that " if I just waited a while '' before applying again that I should no longer receive this message. I can not understand why a company with such technological advances such as apple can not provide me with a finite way to verify my identity so that I may apply for the apple card and possibly get approved. I have a credit score of approximately XXXX and the only reason for my denial is simply because they cant seem to provide me a way to verify my identity.
Product: Mortgage

Dear CFPB, I am filing a formal complaint against AmeriSave Mortgage Corporation regarding multiple violations of mortgage lending laws, lack of full disclosure, and possible fraud. 

XXXX. Unexplained Loan Balance Increase ( {$5000.00} ) My original mortgage loan amount was {$190000.00}. 

After XXXX months of missed payments, AmeriSave reported my loan balance as {$200000.00}. 

I never signed any modification agreement or approved a balance increase. 

The lender has failed to explain where this {$5000.00} came from. 

XXXX. Missing Signature on FHA Form 92900-A AmeriSave failed to obtain my signature on a required FHA document at closing. 

They are now asking me to sign a new version of the document post-closing. 

This raises concerns about possible document alteration and mortgage fraud. 

XXXX. Lack of Full Disclosure About Loan Funding I was led to believe that AmeriSave was directly lending me the money for my mortgage.

At closing, a title company representative slid me a document stating that the loan was already sold.

AmeriSave has since stated that they are the loan originator, but my loan is being " serviced '' by another company ( DMA ). 

I never received a clear explanation of where the actual loan funds came from. 

XXXX. Verbal Loan Modification Agreement Without Proper Disclosure Due to financial hardship, I requested a loan modification with a $ XXXX payment. 

AmeriSave called me and verbally approved a $ XXXX payment without providing a written breakdown of the modification terms. 

No signed loan modification agreement exists, yet my loan balance appears to have been changed. 

Requested Actions : Investigate AmeriSave Mortgage Corporation for potential mortgage fraud, RESPA violations, and illegal loan modifications.

Require AmeriSave to provide full documentation of : Loan funding details. 

How the {$5000.00} was added to my balance. 

A copy of my original FHA Form XXXX from closing. 

Determine whether AmeriSave failed in their due diligence by not properly disclosing the loans origin and transfer. 

This situation has caused me extreme stress mentally/financially/physiclly, and I need immediate intervention to ensure my mortgage is legally sound and properly documented. If not then proper steps need to be taken to make sure that My house STAYS my house as my wife, XXXX children ( ages XXXX and XXXX ), and I have been living here for years and it is OUR home.
Product: Debt collection

XX/XX/year> Subject : Complaint Regarding Inaccurate and Unverifiable Collections Account - XXXX/RESURGENT RECEIVABLES Dear CFPB, I am writing to file a complaint against XXXX/RESURGENT RECEIVABLES for reporting an inaccurate and unverifiable collections account on my credit reports with all three major credit bureaus. Despite their claim of verification and validation, the account contains numerous discrepancies and raises concerns about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor : XXXX/RESURGENT RECEIVABLES Discrepancies in Account Information : I have attached and highlighted all discrepancies across all three credit reporting agencies. These discrepancies include, but are not limited to : Account Type Details : Incorrect information about the type of account ( e.g., loan, credit card ).

Account Status ( XXXX ) : Inaccurate status reported ( e.g., charged off, collection ). 
No. of Months ( terms ) ( XXXX ) : Incorrect number of months listed for the account. 
High Credit ( XXXX ) : Inaccurate credit limit or balance reported. 
Payment Status ( XXXX ) : Incorrect payment history listed. 
Last Reported, Date Last Active ( XXXX ) : Inaccurate date reported for the last account activity. 
Date of Last Payment ( XXXX ) : Incorrect date reported for the last payment made. 
XXXX  XXXX History : Discrepancies throughout the reported XXXX history of the account. 
Efforts to Resolve : I have disputed the information with all three credit reporting agencies, attaching the highlighted discrepancies as evidence. 
I have attempted to contact XXXX/RESURGENT RECEIVABLES to request verification of the information, but their response has been unsatisfactory. 
Concerns and Alleged Violations : The numerous discrepancies suggest that the account information is inaccurate and potentially fabricated. 
XXXX/RESURGENT RECEIVABLES ' failure to provide proper verification raises concerns about potential violations of the FCRA 's requirement for accurate reporting.

These inaccuracies have negatively impacted my credit score and could limit my access to credit and financial opportunities.

Request for CFPB Action : I request that the CFPB investigate this matter and take appropriate action against XXXX/RESURGENT RECEIVABLES, including : Ordering them to investigate the account and provide accurate information to the credit reporting agencies. 
Ensuring the inaccurate information is removed from my credit reports. 
Holding them accountable for any violations of the FCRA. 
I am confident that the CFPB will take this matter seriously and help me achieve a fair resolution. 

Thank you for your time and attention to this complaint. 

Sincerely,
Product: Bank account or service

Re complaint # XXXX On XX/XX/2016, Wells Fargo " beat me to the punch '' and notified me that they were closing my checking account. 
About the same time I had intended to close my account but that may be immaterial. 
When I called to inquire about collecting my money in the account, {$33000.00}, I was told that my account was frozen and that I could not get my money until PROBABLY XX/XX/2016. 
When I asked why the account was frozen, the only response I could get was " We decided to close the account and, per the documentation when you opened the account, we can do so at any time without having to specify a reason ''. 
I agree that this is in the papers. However, unless there is a legal reason to do so, they have no right to refuse access to my funds. 

I filed a complaint with you and, as a response, around noon today ( XX/XX/2016 ) I received a phone call from a XXXX XXXX ( phone : XXXX ), who told me to go to the nearest Wells Fargo location, tell them that I was there to close my account and that I had been told that the branch where I closed the account would give me a cashiers check for my funds. 
At the XXXX XXXX branch, the woman I spoke with, XXXX XXXX, called corporate and was told that they would NOT authorize the release of my funds. 
I made a call to XXXX XXXX who told me she would check it out and get back to me this same day ( XX/XX/2016 ). At about XXXX she called me back and told me that corporate would not yet release my funds and, being a long weekend, she would TRY first thing Tuesday XX/XX/XXXX. 
I told her that I have done nothing illegal and she responded with " You have told me now twice that you have done nothing illegal, why? ". I responded with : " Without having been given a LEGAL reason as to why my funds is held, it is illegal to freeze my funds. 
If there is a LEGAL reason like a crime or potential crime, I have the right to know what this is. " We decided to close your account '' I can accept. However, without LEGALLY documenting as to the reason why Wells Fargo is holding on to my funds Wells Fargo is obligated to release my funds the same day that they close my account ''. 
So far I thus have neither my funds nor a legal reason as to why. 

If at all possible, I want my money tomorrow, XX/XX/2016, since some of the branches are open until early afternoon.
Product: Debt collection

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated 5-day timeframe. 

How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to make it unequivocally clear that I am not about to let this gross miscarriage of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. 

I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX  I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 1 inquiry These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible! 
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 under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Debt or credit management

I am writing to dispute the handling of my credit account information as reported by your company to the major credit bureaus. It has come to my attention that there are inaccuracies in the reporting, and it appears that Midland Credit Management may not have properly verified this information, which I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, under the FCRA, Section 611 ( 15 U.S.C. 1681i ), I have the right to challenge any incomplete or inaccurate information in my credit report, and your company is required to conduct a proper investigation upon receiving my dispute. 

Furthermore, the FCRA requires that any entity reporting to the credit bureaus must ensure that the information they submit is accurate, complete, and verifiable. If your company can not verify the debt, then it should not be reported, as stipulated under FCRA, Section 623 ( a ) ( 1 ) ( A ). 

I formally request that Midland Credit Management provides me with the documentation that verifies the debt in question, including the original contract bearing my signature, the ledger showing the creation of the debt, and any documents that demonstrate transfer of ownership of the debt to Midland Credit Management.
Product: Credit reporting or other personal consumer reports

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Mortgage

I had my home mortgage with Bank of AmericaI went thru hell for over a year to get a loan modificationSo I would n't be foreclosed XXXX finally got approved to get my payments downFrom about XXXX. Mo to XXXX. A monthA couple months later they sold my mortgage to countrywideWho was then taken over XXXX sent me my mortgage bill and it was back upXXXX XXXX. XXXXI am a widowed XXXX yr old woman who doesn'tKnow where to turnEach bank says it 's the others problemI 'm afraid of foreclosure because that one paymentEats all my social securityI just had a bout with XXXX and have medical issuesAnd bills and need direction can someone pleaseGuide me or help me get myPayments affordableAll my utilities are XXXX months lateThe house is falling apartThe roof leaks basement floods windows andDoors stuffed with plastic bags to keep weatherOut furnace air and sump pump are oldAnd in bad conditionI really really need help getting these paymentsBack to XXXX or XXXX a month
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened any account and inquiries which I listed in identity Theft. Please remove all negative information which do not belong to me. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Credit reporting

Trans Union is not responding to any of my credit reports to investigate and remove XXXX account from my credit report that do not belong to me.
Product: Debt collection

I was notified of a summons of garnishment by my current employer. After reviewing the summons sent to my job, XXXX XXXX XXXX XXXX, has my former name, address, and phone number from over 5 years ago. I called XXXX XXXX XXXX in XX/XX/XXXX to attempt to correct thewrong contact information and set up a repayment plan but they have not helped with anything. Im the sole legal provider for my son and Im now having difficulty paying bills because of the garnishment applied being pulled from my wages. My court date per the summons is XX/XX/XXXX for a total of {$4800.00}. I recently found out that this summons was sent to my prior address even after I requested it to be changed and the tenants at that property are texting a picture of the summons to individuals that now have access to my social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to notify you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$440.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXXXXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 that a consumer reporting agency can not furnish an account without my written instructions.