23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

They were suppose to put {$190.00} in my account, instead they took XXXX out. Its been a week, the conferenced call my and it has been XXXX days and they ca n't tell me when they will put the money back in. When I told them I was going to report them they said that they will note it. Now they are going to charge me interest on something I do n't have. They say they will cover my nsf fees, but that does n't help the stress of explaining to my creditors what happened. This has been a very XXXX situation and they do n't care.
Product: Mortgage

THIS NEW COMPLAINT IS ONE OF SEVERAL WE ARE FORWARDING TO CFPB. LET US ALL UNDERSTAND REGARDING OUR HOME 'S HURRICANE XXXX  SUBSTANTIALLY DOCUMENTED STORM DAMAGE, THERE IS NO WAY WE WILL COMMENCE PROJECT ( REPAIR AND ELEVATE ) BY MOVING OUT AND PAYING DOUBLE MONTHLY PAYMENTS JUST FOR TEMPORARY RESIDENCE ( NOT INCLUDING ANY POSSIBLE MONTHLY MORTGAGE PAYMENTS ), ONLY TO BE HELD AND STUCK AS TEMPORARY RESIDENTS WHILE BANK OF AMERICA DECIDES SOMEWHERE DOWN THE LINE WHEN AND IF THEY WILL ENDORSE OUR FEMA NFIP REVIEW CHECK TO PAY OUR GENERAL CONTRACTOR 'S FINAL DUE DEMAND AND REGAIN ACCESS OUR RENEWED HOME AGAIN. BANK OF AMERICA WILL NOT PUT US IN THIS POSITION OF STARVING US OUT OF RETURNING TO OUR HOME. IT IS NOT UP TO BANK OF AMERICA TO DECIDE WHEN WE CAN RETURN TO OUR HOME AND BANK OF AMERICA IS VERY WELL AWARE THAT ANY DELAY IN PAYING OUR GENERAL CONTRACTOR ( A DIRECT RESULT OF BAC NOT ENDORSING OUR FEMA NFIP REVIEW CHECK ) WILL LEAVE US ON THE STREET, HOMELESS. WE CAN NOT PAY FOR THE PROJECT OUT OF POCKET AND WE CAN NOT AFFORD THE SKY-HIGH TEMPORARY RESIDENCE MONTHLY PAYMENTS INDEFINITELY. AS IN THE PAST BAC HAS ENDORSED OUR FEMA NFIP CHECKS. WE EXPECT THIS 2017 CHECK TO BE HANDLED IN THE SAME WAY. THE FUNDS MUST BE READY AS WHOLE IN ORDER TO COMPLETE THE PROJECT AND RETURN TO OUR HOME IN THE SWIFTEST WAY POSSIBLE. WE WILL NOT ASK BAC TO ENDORSE THIS SAME CHECK A THIRD TIME. EVENTUALLY, AS IN THE PAST, THIS NEW CHECK FORWARDED TO US WILL EXPIRE AND BECOME USELESS. THE ENTIRE PROJECT WILL FAIL AGAIN. BAC IS HOLDING UP OUR GENERAL CONTRACTOR 'S CONTRACT, HOLDING UP OUR NEW YORK RISING AGREEMENT, HOLDING UP OUR HOME BECOMING WHOLE AGAIN AND CEASING US FROM LIVING IN A SAFE AND HEALTHY ENVIRONMENT - WHICH WE HAVE HELD FOR OVER TWO DECADES. INCLUDED WITH THEIR BAC DIRECTED MANDATORY FLOOD INSURANCE PREMIUMS AND THEIR BAC DIRECTED HAZARD INSURANCE PREMIUMS WAS OUR MORTGAGE PAYMENTS FOR OVER TWO DECADES. WHO HAS GIVEN THIS BANK ALL THIS POWER TO FORCE US TO PAY ALL THEIR DEMANDS FOR DECADES JUST SO THEY CAN FORCE US TO LOSE IT ALL AND BECOME HOMELESS OVER THIS FEMA NFIP CHECK? BANK OF AMERICA LOSES NOTHING BY ENDORSING THIS 4TH AND MUCH NEEDED FLOOD INSURANCE CHECK ( NOT THEIR HOMEOWNER 'S HAZARD INSURANCE CHECK ) TO US, BUT WE MAY LOSE ALL IF THEY DO N'T. THE PROJECT CAN NOT START WITHOUT US MOVING OUT OF THE HOUSE, THIS IS A BIG PROJECT TO REPAIR THE FOUNDATION AND FLOORS AND ELEVATE THEM AND THE PROJECT WILL NOT START WITHOUT ALL MONIES READY IN ORDER FOR US TO GET BACK IN THE HOME ASAP. BANK OF AMERICA HAS NO RIGHT TO HOLD THIS UP. THIS IS NOTHING BUT A POWER MOVE ON THEIR PART. THEY ARE PLANNING TO FORCE US INTO THE STREET INDEFINITELY. IF BANK OF AMERICA STATES THEY HAVE NOTHING TO DO WITH THE MANDATORY FLOOD INSURANCE PREMIUM PLACED ON OUR HOME, THEN WHY ARE THEY HOLDING UP THE ENDORSING OF FLOOD INSURANCE REIMBURSEMENT CHECK? WILL SOMEONE WITH SOME AUTHORITY AND KNOWLEDGE START LOOKING INTO THIS? PERHAPS SOMEONE SHOULD ASK SEN XXXX XXXX - SHE MAY BE THE ONLY PART OF CFPB WHO UNDERSTANDS WHAT IS HAPPENING HERE. BANKS SHOULD NOT BE GETTING AWAY WITH SUPPRESSING THE LIVES OF THE ELDERLY LIKE THIS.
Product: Prepaid card

From XXXX of XXXX  I never received my card i never accessed the prepaid card it or any of the benefits deposited to the account. I didn't activate or give permission for anypersons to activate or to authorize to use this prepaid card ever all transactions made with the card concerning this account is FRAUDULENT AND NOT MADE BY ME OR AUTHORIZED BY ME AT ANYTIME
Product: Mortgage

Hello, I am reaching out to this eclectic group as a humble Virginia and XXXX. I am desperately hoping for a miracle from you. I am a husband and a father who always wants the best for his family. In this case I have tried going the normal course and have tried everything in my power to prevent getting to this point. 

Facts : For the past 4 years my wife has suffered with debilitating XXXX XXXX. I have a XXXX XXXX XXXX son who relies on me for all the comforts he is entitled to. 

I was in a repayment agreement with XXXX regarding my mortgage in XXXX XXXX. In XXXX XXXX, when I was notified of a layoff of my job, I notified XXXX by mail of my change in income from {$56000.00} per year to {$0.00}. As is their custom I called to advise them and they referred me to their borrowers assistance package to determine if anything could be done to help with my payments. On XXXX XXXX I filed this paperwork via XXXX mail after 30 days ( their timeframe ) I had received no response. I called and spoke with XXXX or XXXX who said it had not been received and to refile, which I did on XXXX XXXX. Again I heard nothing and I called in XXXX and was told again to file the paperwork. 

During this time, I received no reinstatement letter or notification of possible foreclosure. I try to file paperwork again only to find out foreclosure occurred XXXX. I believe my paperwork was not processed due to my wifes mental illness and as a way to discriminate against her. I made multiple contacts to XXXX to see if they could help me avoid this action. 

Fast forwardI attended an eviction hearing on XXXX thinking that the judge would hear my argument and at least continue the case. He didnt. Rather he sent me back to the lawyer for XXXX and to the company but ordered eviction proceedings could be filed I XXXX business days. I tried to work with XXXX to get them to go back and allow my borrowers assistance package from XXXX and XXXX to be reviewed. They said they have no evidence it was received and they refused indicating that they could do nothing. 

Request : I want a temporary stay of the eviction so my original paperwork can be resubmitted and reviewed. I am seeing commercials now about the holiday but how do you have XXXX in a car? I have no where to go nor do I have any extra funds to locate. This is the only home my son has known. We are fully prepared and have been to assume normal house payments but XXXX will not take partial payments so I havent been able to give them less than the repayment plan amount which was $ XXXX due to my layoff. 

I need help and XXXX XXXX I go down I get turned away. XXXX still owns this property so why wont they help me. I have also filed a complaint with the CFPB but that takes upwards of 15 days to resolve which I dont have. 

I hate to beg and Im not trying to get out of my debt but I need help. I dont usually ask but rather rely on my own to resolve issues directly with the business. In this case those attempts have been futile. 

I look forward to your prompt reply to my request for direction and help. Please only work with my husband XXXX XXXX due to my illness. You
Product: Debt collection

Hello, I would like assistance with XXXX debts that are being falsely reported by XXXX XXXX XXXX. I believe these debts to be XXXX years old. 

They purchased XXXX debts of mine... XXXX from Capital one and the other from XXXX. 
These XXXX debts have XXXX been re-aged to the date that they purchased the debt and not the original charge off date. I've made numerous requests to XXXX XXXX XXXX. and the credit reporting agencies, to date this has not been resolved. 

I just disputed the debt again with XXXX. This time I asked some very specific questions and was shocked at the answers. 
I was told that the company does not have to show any proof of the debt. I was told they simply have to reply debt is correct, this is very frustrating. 

When I reach out to the original creditor they refer you to the debt collections company. So they make you run around in circles and nobody will give any supporting documentation as to the age of the debt. 

If I am incorrect I will do the right thing but not one company will step up or provide any documentation.
Product: Mortgage

Home mortgage was applied for as a Department of XXXX ( XXXX ) loan in XX/XX/2009 when I was still on XXXX and was, to my knowledge, a XXXX loan. When I tried to refinance the mortgage under a XXXX it was discovered through more than XXXX months of research and hours of telephonic conversations, the mortgage was never turned over to the Department of XXXX, as the attached closing documents would lead to believe, by the mortgage lien holder ( Bank of America ). When I pushed the issue forward with Bank of America and requested they make their mistake right, within 30 days my mortgage was sold to another lien holder ( XXXX ). After further research with XXXX I was told they ( XXXX ) purchased multiple of these XXXX but not XXXX loans from Bank of America.
Product: Credit reporting or other personal consumer reports

I checked my report on XX/XX/XXXX and found that there was inaccurate and fraudulent information on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX reported to my XXXX XXXXXXXX XXXX  XX/XX/XXXX reported to my XXXX XXXX XXXX XXXX XX/XX/XXXX reported to my credit
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX ... XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... 

Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for the Louisiana Servicemember Civil Relief Act interest change for XXXX XXXX military members. This is not the same as the Federal SCRA because the LA SCRA includes loans that started after the time I was on XXXX XXXX orders. The company denied me under the Federal statutes, stating that because I started the loan after my start of XXXX XXXX service. I emailed them letting them know that I was not filing under the Federal law, but under the Louisiana law. They never responded.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns with Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. 
They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users is vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Consumer Loan

I have fallen behind in my payments to Americash loans due to pay shortages. I have faithfully made payments until recently when the ultra high payments have been too much to handle ( approx. {$380.00} every 2 weeks total of $ XXXX monthly ). 

They have been calling my workplace from XXXX and demanding call backs. I will attach photos of my phone for your viewing. This has caused me much embarrassment with my staff, and has disclosed the fact that I am behind on my payments and being collected on.
Product: Credit reporting or other personal consumer reports

TransUnion My latest credit report displays wrong and inaccurate personal account information- please see attached. I need to have this resolved as soon as possible as its affecting my ability to obtain credit. 

Thank you
Product: Credit reporting or other personal consumer reports

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND THE CREDIT BUREAUS DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED EVERY SINGLE TIME I MAILED OUT DISPUTES... THESE FOLKS ARE NOT RESPONDING AT ALL TO CONSUMER DISPUTES ). 

I HAVE ATTACHED MY DISPUTES AGAIN THAT I WANT INVESTIGATED PROPERLY OR DELETED
Product: Credit reporting or other personal consumer reports

The following is reporting inaccurately to my credit. XXXX XXXXXXXX XXXX Account number XXXX is reporting an account which is NOT ME XXXX NOT MY LEGAL NAME. They are damaging my credit. My name is " XXXX XXXX '' NOT XXXX XXXX ... the account is tied to someone else with a similar name XXXX address. They're also pulling my credit without permissible purpose. They are in strict violation of FCRA regulations. The credit reporting agencies claim this is verified. Not sure how they verified the info since it's not my legal name. I need the following account and all inquiries associated with this company removed from my credit.
Product: Debt collection

The predatory lender, Security Finance, extended me credit without verifying my employment or my ability to repay this debt that is loaded with high interest and exorbitant fees. I have not worked or filed taxes in 5 years nor do I own anything to levy, garnish or seize. Yet they send me an actual check in the mail. All I had to do was sign and deposit it without any other documentation or even filling out an application. Such as terms and conditions, interest rate or fee disclosures. And now they are continuing their predatory assault against me by reporting this negative information to the credit bureaus. Credit should have never been extended to me, yet it was.
Product: Credit reporting or other personal consumer reports

Can you remove these inquiries? I wasn't aware of them, and they were done without my permission.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. 
Please remove the following items from my credit report, immediately : XXXX SORRY, CAN SOMEONE EXPLAIN WHY IS THE SAME ACCOUNT WAS DELETED FROM OTHER 2 CREDIT BUREAU AND IS STILL IS VERIFIED ON TRANS UNION?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX ( Original Creditor : XXXX NC ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/2022
Product: Mortgage

I have only been in my house for a little over a year and a half and already my original loan was sold to LoanCare a few months ago. They told me that my escrow account did not transfer over and 5 months later I received a statement from LoanCare stating that I have a  XXXX   XXXX  dollar shortage and that my mortgage was going up $  XXXX  /mo. I calle d immediately and was bounced around from one person to another saying that it was because my taxes or insurance went up, but I contacted my tax assessment office and insurance office and they did not. I was promised a call back and received nothing. After not receiving a call back I called again insisting to speak with a supervisor, to which no one was available. After calling back again the following night I was eventually told that until they figured out why there was such an increase in monthly mortgage payment, to continue paying my normal payment and they would get back to me. After trying to reach this same person time and time again with no such luck ( even though I had her name and ID # ), I was told that they could not honor the original agreement until they spoke with her ... which NEVER happened despite calling several times for over a full month. I went from speaking from one supervisor to the next and that they were going to send a 'priority email ' and that I would hear back the next day-which of course I never did. After calling yet again they were conveniently out of the office and I left another message with no response. After speaking to someone and reassuring me that things would be taken care of and I would get an answer the following day ... no one called and the increased mortgage am ount ( {$750.00 } higher than normal ) was directly taken out of my account without authorization. I called in a panic and no one was able to help me and I never received a call back. This company completely pushes you around fro m one person to  the next and can never give you a straight answer or a call back. I had asked to meet in person but since they do not have a physical location they could not do this. They claim they could not cc me on any of their emails because they can only interoffice email which  in 2017    seems like a complete crock. LoanCare is completely unreliable and it is pathetic that they can not even call back their customers and that are trusting them to handle thousands of their dollars and make false statements and lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address on report I have never lived. XXXX XXXX XXXX XXXX XXXX CA, XXXX. 

Also my name is XXXX XXXX XXXX, not XXXX XXXX, or XXXX XXXX I, nor XXXX XXXX XXXX
Product: Debt collection

Over 30 days ago, I mailed off a Notary Presentment, Affadvavit of Truth, Debt Validation and Cease & Desist Letter, and an Invoice via certified mail in regards to an alleged debt. Nissan Motor Acceptance Corporation received these documents on XX/XX/2021. On XX/XX/2021 I submitted a CFPB complaint in which NMAC responded with nonfactual information.

Nissan Motor Acceptance Corporation is in violation of 15 USC 1605 ( c ). A finance charge is defined as the sum of all charges, 15 USC 1605 ( c ) states that property damage and liability insurance is supposed to be included in the finance charge. Nissan Motor Acceptance did not include my insurance in the finance charge. I had to buy and pay for my insurance separately from the finance charge.

Pursuant to 15 USC 1611, Nissan Motor Acceptance Corporation can be held criminally liable and be fined for no more than {$5000.00} and imprisoned for one year or both for failure to disclose and willfully withholding this information.

Nissan Motor Acceptance Corporation is in violation of 15 USC 6802 which is my right to opt-out. Nissan Motor Acceptance Corporation did not notify me of this right, which is required. Not only did they not notify me of this, but they are also reporting nonpublic personal information to non-affiliated third parties without my permission. XXXX XXXX  and XXXX are nonaffiliated third parties that Nissan Motor Acceptance Corporation is reporting this alleged debt.

Nissan Motor Acceptance Corporation is in violation of 15 USC 1635. 15 USC 1635 is my right to recession. The right of recession applies to any consumer credit transaction in which a security interest has risen. Nissan Motor Acceptance Corporation did not disclose this right to me and is held no only held criminally liable, but also civilly liable pursuant to 15 USC 1640.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting and disclosure to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately and completely, I WILL FILE FOR LITIGATION.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS FIRST PREMIER ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from FIRST PREMIER WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit card

I have been trying to set up my alert for my credit card ending in XXXX. Every time I try, I get an error message : " Well, that didn't go as planned. Please try again. If this is your second try, go ahead and message us or call XXXX ''. After trying for the past two weeks, I called customer servicing, where the representative was rude and unprofessional, so I asked for assistance from a supervisor ; that supervisor ( XXXX ) also rude and kept cutting me off. She told me that no one at the bank would be able to set up my alerts and that only customers would be able to do it, which I found very stupid. Then she placed me on hold to figure out what the issue was and told me that my email was not correctly set up in the system and asked me to log back into my account and try to set up my alerts again, which I did and I received the same error message, and then she said, " Ma'am, you need to log off completely from your account when i told her that I did and that I had just logged back in in to my account XXXX seconds ago, she cut me off and placed me on hold for a long time forcing me to disconnect the call after XXXX min on the phone for a simple request. After I disconnected the call, my phone rang once and then disconnected, so someone made a call and let that ring once so they could say someone called me back, and I didn't answer it.