23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX XXXX I requested a modification of my mortgage, On XXXX/XXXX/XXXX I was sent a package with a payment plan for 3 months. On XXXX/XXXX/XXXX I was informed that I had successfully completed the trial period and was sent details of my new payment plan showing me a principal and interest of {$1100.00} and an escrow amount of {$500.00} for a total of $ {$1600.00} with an interest rate of 3.75 %. On XXXX/XXXX/XXXX I received a statement with a payment of {$1700.00} showing an interest rate of 4.375 % and principal of {$750.00} and interest of {$910.00} and escrow of {$65.00}. Then on XXXX/XXXX/XXXX I received a principal payment of {$760.00} interest of {$910.00} and escrow of {$65.00} still with a 4.375 % interest rate. Now I am receiving a payment request for {$2200.00}. 
I do not understand why the change in amounts and interest rate Initially I had a mortgage for approx. : {$2900.00} for 15 years, I was unable to make the payments on time after my divorce and ask for the modification but it appears that now over 30 years they want me to pay {$2200.00} monthly and still have the subordinate mortgage of {$77000.00} to pay. I have tried many times to have the remove the escrow and allow me to pay it my self since I was never late or missed any before the modification, but it appears they do not care and the only response I got from Ocwen was that " if I can not pay the mortgage then sell the house ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment o my report which is incorrect, and I am asking this be deleted immediately. This are the creditors that were reporting late payments XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

On XX/XX/XXXX World Finance did a hard inquiry without my permission. On XX/XX/XXXX XXXX World Finance status was open {$480.00} past due as of XX/XX/XXXX. On XX/XX/XXXX XXXX shows account was charged off XX/XX/XXXX and the past due {$880.00} as of XX/XX/XXXX.
Product: Credit card or prepaid card

THE BANK COMMITTED FRAUD AS DISABILITY INSURANCE SHOULD PAID THE ACCT IN FULL BANK COMMITTED FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

I never got a mortgage with Wells Fargo Home Mortgage and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened date XX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with Equifax and XXXX. 
My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.
Product: Checking or savings account

I received a text on XX/XX/28 at XXXXXXXX XXXX with a US Bank logo asking if I had initiated a large XXXX transfer. It looked legitimate and I responded no. Almost immediately I received a call from " US BANK '' Customer service #. Again, it looked legit. I was persuaded to " reverse '' the payment and in the course of 15 hours lost {$2400.00} to this scam as I was scammed out of every dime I had except {$43.00}. When I asked the " banker '' what was the timeline to see my funds returned and was told 45 minutes. After 1 hour I called US Bank and found that there was no pending reversals and that all of my $ $ was gone. 

I immediately filed a fraud report with US Bank over the XXXX XXXX transactions. I filed a police report, and when I went to my local US Bank with the report information I was treated like the criminal. My account had a 10 day hold on it, during this time I never received ANY communication from US Bank. I had to repeatedly call in to ask a status, I felt that there were no real notes in my file because I had to repeatedly tell the reason my accounts were frozen and I was treated mostly with a non-caring department and felt that I had been judged and discarded. I pointed out that in 10 years with US Bank I had never placed such a claim and why wasn't it questioned when out of the norm. 

On business day 9 I called in to discover US BANK DENIED ALL CLAIMS. How did they investigate and solve without speaking to me? 

I am a XXXX XXXX for my mother and when this happened, had I not had good friends, we likely would not have had food because after the incident I had {$43.00} combined from 3 accounts. 

XXXX said to report it to FBI. 

I want to go to my local news " investigates '' reporter and blast it to all since at this point I am being told I have no other recourse. 

It seems to me that if the BIG XXXX banks created and own XXXX, they are benefiting from " passing the buck '' and we little people have been swept under the rug. 

When I told them that I felt my rights had been violated per the CFPB, I was told that US BANK has a vast attorney base and they absolutely would know if my rights had been violated. And they had not. 

I feel that a class action law suit may be the only alternative I have to recoup my $ XXXX I am XXXX XXXX XXXX and work XXXX jobs. My mother draws {$1000.00} a month in SS benefits so we are not people with ample assets to recover from such a hit. 

This has affected me both XXXX and XXXX and I have no respect at all for US BANK or any other financial institution. 

I have documentation of the denials and I can go obtain the police report that include photos of the alleged bogus text messages and phone calls received from the " customer service '' number if necessary.
Product: Debt collection

Account is for Asset Acceptance account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is 10 years old. I hired an attorney for this. A certified mail letter was sent to Asset Acceptance asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. Asset Acceptance failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, Asset Acceptance continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called Asset Acceptance, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to Asset Acceptance. For 3 days I have spent 2 hours a day on the phone with Asset Acceptance and no one can help me clear this up. I can not even find a representative of Asset Acceptance who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account. 

Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus! 
I am demanding that they immediately remove this account from the XXXX Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer ID # XXXX on ChexSystems Report. My Accout was overdrawn at XXXX XXXX XXXXXXXX XXXX XXXX back in XXXX. Mortgage with XXXX XXXX  and overdrawn account were both named in my Bankruptcy Filing of XX/XX/XXXX and discharged. Somehow a delay in reporting this debt ended up on ChexSystems though it was already resolved prior. I want it REMOVED IMMEDIATELY and in it's entirety like it never happened because it never should have happened to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX Balance : {$860.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX  XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$660.00} XXXX  XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts from my credit report. I am a victim of a data breach, and the accounts listed below were fraudulently established in my name without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these fraudulent accounts. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX$2700.00} XXXX. XXXX XXXX XXXX  {$820.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked with the company and they are looking into it but they told me to file this complaint along with a police report for Idenity Theft on XX/XX/XXXX the service was XXXX back in XXXX of XXXX
Product: Credit card

1, the consumer and natural person, was denied credit by American Express when I applied for a credit card. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 ( a ) ( 3 ) and 15 U.S.C 1691 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ). You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by the American Express due to the response I received. American Express is in violation of 15 U.S.C 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my securities were used and I received no benefit. This is proof of fraudulent activity and securities fraud on behalf of American Express. If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 ( n ) and 15 U.S.C 1681 ( o ). I am sending this letter because American Express accepted my credit application but denied me credit. I will also follow up with an invoice for said violations ( { {$10000.00} } ) per violation
Product: Prepaid card

On XX/XX/year> i filed a claim in which Bank of America had claimed they had to split it into XXXX different claim numbers ending in XXXX ( {$510.00} ), XXXX ( {$11000.00} ). The following day XX/XX/year> claim ending in XXXX for the amount of {$11000.00} had been denied. On XX/XX/year> i was notified by mail that Bank of America was going to issue a temporary credit for claim ending in XXXX for the amount of {$510.00} while they research my claim. how can they deny my claim for {$11000.00} and avoid Regulation XXXX but yet issue a temporary credit for my claim for {$510.00}? when keep in mind this was supposed to be XXXX claim that was filed on XX/XX/year> but Bank of America said they had to split it into XXXX different claims. i dont understand how they came up with their conclusion. When i requested the documents they relied on, all they sent me was copies of the denial letters they sent me in the mail which included all transactions posted to the account in which i was not responsible for nor did i have any knowledge of what was going on. please help in making this right as Bank of America is not following regulation XXXX nor is it taking the proper steps in researching my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2002, i sent a letter to XXXX, EQUIFAX and XXXX advising them to remove inaccurate and incorrect information from my credit report, they have yet to do so. 



The credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

REMOVE THERE WAS NO INVESTIGATION Dear transunion PAST DISPUTE TRACKING # XXXX # XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ssn : XXXX XXXX. XXXX- XXXX : No notice of dispute. Delete for violation of FCRA 623 ( a ) ( XXXX ). I disputed on XXXX by XX/XX/2024 there was no notice of dispute. Delete this account for false reporting & failure to update information under FCRA rights remove or delete immediately. 

SOLUTION : i want this account removed or deleted for no notice of dispute thats a violation been 3 months & theres still no notice of dispute this is failure to communicate please remove this account. i have past credit reports that shows they havent put notice of dispute 3 months ago nothing changed. Delete or remove XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX Reference # XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. I have talked to the banks and they agreed to repair and correct the accounts. Why dont you actually research my account history this time and see the errors yourselves?. Please update and correct my accounts right away XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I am not now nor have i ever been a customer of this company, the credit bureau has failed to provide an original signed copy of any agreement as required and are therefore reporting information that is not 100 % accurate
Product: Vehicle loan or lease

I made XXXX payments on this car of XXXX a month the total of that is XXXX and the total financed was XXXX which leaves XXXX. Now this was during Covid when they came to get my car knowing that I was going to make the payment the next day. They added all these fees so it was impossible for me to get it back. Then they sold it for XXXX and they had that I owed XXXX on my credit for the longest time and they just changed it to XXXX. But I dont see how that I owe that and the way that they have been trying to scam me for XXXX for years just baffles me. I dont owe this amount. They have never given me documentation of anything just letters threatening me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've demanded a copy of all information on my consumer file from each credit reporting agency and have yet to receive this information. According to 15 USC 1681g, I am entitled to all information on file ; sources and report receipts upon request. Attached, you will find a scanned copy of my USA passport ID card in accordance to 15 USC 1681h.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and fraud due to a data breach with equafax. A calculus of accounts were opened and I am suffering harm due to such events. I am seeking help to have these items/accounts deleted such as inquiries that need delting as they were opened under fruad as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are the account that are causing me n my family great stress and anguish on my XXXX and physical state of being. as well as hendering me from a happy life and pursuit of happiness by recieving calls to negatively affecting my consumers report. please help in anyway you can assist me in the hard times. it is XXXX and XXXX job to keep my consumers report accurate, help me be heard. they will not respect my rights without you. thank you for your ongoing service. 
Here is my ftc report # to aid in investigation XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND EQUIFAX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT THAT IS PREVENTING ME FROM REACHING MY FINANCIAL GOALS. THIS IS A COMPLETE VIOLATION AND ERROR. EQUIFAX IS REPORTING A BALANCE AND RECENT " CHARGEOFF '' ON XXXX XXXX. THE ACCOUNT WAS SETTLED AND PAID YEARS AGO. I HAVE ATTACHED SCREENSHOTS OF MY CREDIT REPORT SHOWING THE ACCOUNT HAS BEEN PAID IN FULL. EQUIFAX IS THE ONLY BUREAU THAT IS NOT DOING THEIR DUE DILIGENCE IN REPORTING ACCURATE INFORMATION.
Product: Checking or savings account

On XX/XX/2020 someone went into a chase bank with a fake ID and opened a fraudulent account in my name which In turn allowed them to remove {$34000.00} from my savings into that account. I met with a banker who put numerous alerts on my account and put notes saying to verify with a third for mom of ID. On XXXX XXXX the same thing happened which is absurd since chase bank employees did not do their jobs and allowed this person to come into the bank with the same FAKE ID and open up a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX**** ; XXXX/XXXX   XXXX**** ; IXXXX XXXX XXXX XXXX XXXX**** ; XXXX XXXX XXXX XXXX XXXX**** ;
Product: Debt collection

XXXX XXXX XXXX XXXX I have no knowledge of the above account. Please delete from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX SS XXXX XXXX XXXX I was recently in the hospital for XXXX XXXX  on my XXXX a year ago. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXXL as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : Factual Data and also XXXX aka XXXXXXXX XXXX. I am not sure who approve this or even made these inquires. This the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FCRA XXXX  Account number XXXX has violated my rights XXXX  XXXX Account number XXXX Delete Asap XXXX XXXX XXXX XXXX Account number xxxx Delete Asap XXXX  XXXX XXXX XXXX Account number XXXX Delete ALL late payments XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Delete Asap XXXX XXXX XXXX Account number XXXX
Product: Debt collection

I, XXXX XXXX XXXX, am filing this complaint on behalf of myself without any third parties. CREDIT ACCEPTANCE CORPORATION is using XXXX of Law to publicize and furnish inaccurate/private information that has resulted from their own acts of Fraud and Identity Theft. CREDIT ACCEPTANCE CORPORATION has also DEFAULTED to provide requested information, stating Proof of Claim, showed complete Dishonor on XX/XX/XXXX. See attachments. On XX/XX/XXXX, my automobile was stolen by a third party company sent by CREDIT ACCEPTANCE CORPORATION. If this matter is not resolved as soon as possible, I will be seeking a default judgment through arbitration. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had noticed unauthorized hard inquiry on my credit report on XX/XX/2017
Product: Mortgage

wells fargo bank mortgages. Are lieying fradulent cheats, i have over XXXX case history complaints with the cfpb since 2012, they have doctered documants,? but i have all the originals that shows them to be lieying cheats, iam going to sue them and also you for allowing them to comitt fraud and perjury and falsifying documants now iam comming for you? 7 day notice of proceedings, the truth will come out and i will show the world how decieptfull you realy are scum