23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I need address to send court subpoena to United Community Bank about my XXXX XXXX XXXX refinancing to a FHA on XX/XX/XXXX, mortgage loan account XXXX, Monthly mortgage payment {$740.00}. New principal balance {$61000.00} new interest and principal monthly amount {$430.00}. Before this refinance my original conventional mortgage loan was with XXXX XXXX XXXX XXXX XXXX. mortgage loan acct # XXXX, My monthly mortgage payment was {$620.00}, and my interest and principal monthly amount was {$310.00} ever since XXXX and my principal balance at time of Refinance with United Community Bank was {$44000.00}. 
XXXX XXXX XXXX XXXX XXXX. - Servicer of Loan # XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - assignee of Deed Transferred my Mortgage Loan to XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX or XXXX ) same new mortgage loan # XXXX on XX/XX/XXXX ( Trying to cover-up Fraudulent activity with my mortgage Loan Account ) Civil Case # XXXX XXXX XXXX XXXX XXXX In the States District Court XXXX XXXX XXXX Summitted more evidence to court XX/XX/XXXX about cover-up. 
I want to make sure that I did NOT have to deal with Mortgage Fraud again. That was the reason for my mortgage refinancing. ( only to discovered new cover-up ) I was told that United Community Bank DO NOT SALE their Mortgage Loans, and they service them in house or through XXXX XXXX XXXX  XXXX and my FHA loan servicer would be XXXX  XXXX XXXX  # XXXX ( note : XXXX XXXX XXXXXXXX XXXX XXXX that United Community Bank said they transferred my mortgage loan to NEW account # XXXX ) But that is not the Mortgage loan number, I have for XXXX XXXX  XXXX XXXX. New mortgage account # XXXX Note : I filed my first complaint against United Community Bank on XX/XX/XXXX, and not what you listed on your response letter that the date was the first of XXXX. 
and XXXX XXXX attorney with XXXX, XXXX XXXX XXXX, XXXX. - XXXX was your Representative for United Community Bank, now that I'm receiving some of the documents I requested, I would have NEVER changed my Mortgage loan from a Conventional Mortgage. Is this attorney is working with the XXXX XXXX, fraud for profit, property, and fraud for criminal enterprise. XXXX XXXX XXXX misleads me at refinancing closing date on XX/XX/XXXX. I'm received documents forms that i had never seen before. 
New Discovered evidence show proof of Fraudulent Documents Fraudulent monthly mortgage loan Statements with different company 's names Fraudulent 1098 forms with different information. 
and misleading Deed Information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXXXXXX , Account # XXXX XXXX XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX, Account # # # # # # # 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer on multiple instances I have written several cerified letters to all 3 credit bureaus requesting that they update my personal information and delete all other information that's incorrect however they fail to do so, here is the letter I sent certified to all 3 credit bureaus. 

XX/XX/2018 To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : ********* Please update my name to : ********* My only social security number is : *********** My only and correct date of birth is : ********** My only employer is : *********** I do not wish to have any telephone numbers on my report.

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, ************ I've Enc. Driver License, and Proof of Residence
Product: Credit card or prepaid card

My authorized users credit card has fraud on the account, I contacted US bank to notify them of the card being stolen, when I spoke to the bank I received the run around from the bank in regards to these charges, I was bounced from agent to agent to agent, the agent who answered the phone seemed like he did not want to be there tonight, he was very rude, anything you asked him was as if it was a bother to him, I asked him to review the account and he seemed as if he was off in space, this is absolutely unacceptable to me, that we have had fraud on the account and US bank does not have the decency to care one single bit and to assist with getting these charges taken care of, I will not be treated as a number, this is highly unacceptable., It is unacceptable that the bank first of all did not catch these charges, it is now unacceptable that the bank can not get their act together and get the charges tagged correctly and them removed from my account, I was transferred over and over and over and over and over with no solution, I have no idea if the fraud claim was opened correctly or not, and I can not get answers, these charges need to be removed off my account immediately, These are FRAUD and not authorized by myself nor my additional card holder. Its extremely unacceptable being a victim of fraud and the bank not doing their job to fix it or correct it.
Product: Credit card or prepaid card

Gift Card Distributed by Blackhawk Network California , Inc. 

Card # : XXXX exp XX/XX/XXXX cvv XXXX Original Value {$200.00} Card was used to make purchase on XXXX XX/XX/XXXX for {$160.00} Items were returned and XXXX issued credit back to card on XX/XX/XXXX At that point the card stopped working. I contacted the company, which is quite difficult to do. I did speak to a representative who acknowledged that the money was returned from XXXX, but due to the fact that this is a gift card the returned funds cause the card to be turned off. The agent said that they could reactivate the card with the XXXX added back on and gave me a confirmation number XXXX. I was told that someone may reach out to me to discuss the issue, but was assured that the card would be reactivated. 

No one reached out to me, the card still does not work, and now when I call the customer service number on the back of the card I keep getting disconnected before I can speak to a representative. I believe that this is a predatory practice and they have no intention of reactivating my card and giving me access to the funds that they acknowledged are due to me. 

Thank you in advance for your help with this matter.
Product: Checking or savings account

On XX/XX/year> I filed a claim about my card being stolen and being used for multiple transactions unauthorized I contacted the company and they denied my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
Product: Credit card

I opened a case with Discover Card 3 times, I submitted requested information. There were phone calls, & letters by both parties too numerous to list, but recorded. I was a victim of gift card scam and Discover has said that unless I have new information, not to make another case. 

Discover has said that because I authorized the transaction, I am responsible for the debt and no fraud committed. 

The scammers posed as XXXX and then Discover. I was threatened with child XXXX on my computer and a {$10000.00} charge to Discover from XXXX for child XXXX. I was told not to talk to anyone and only talk to Discover man in my car. He told me to go to XXXX and purchase 20 gift cards in {$500.00} denominations. I was crying and in my pajamas and went to XXXX. He told me to leave my phone on and purchase gift cards. I went inside and the clerks gave me the gift cards without hesitation or any questions about my appearance or condition ( crying, in pjs and disheveled hair. ) I got really upset because the purchases scared me and I stopped at 11 cards & {$5500.00}. I went to my car and he said to read the numbers on the back of the cards. He said that was not enough and to go to another XXXX, leave the phone on and drive. I drove to another town to XXXX. The clerk would only give me one {$500.00} gift card because of scams. I went out to my car and the man put me on hold and then said to go to XXXX XXXX with the phone on. I drove back to my town and went to XXXX. They did not want to give me the cards and said because of scam. I convinced them to give me {$4000.00} worth of gift cards. I was terrified and told him I was going to the FBI and he said the FBI and my bank were in on this. I didn't know what that meant but I was crying heavily and very scared. I was in my pjs and it rained all day. He kept me on the phone for five and a half hours. I have it documented and I had verified both the XXXX & Discover persons credentials. I thought I did my due diligence but they had me held up on the phone and threatened me with child XXXX and jail. I recovered the {$4000.00} from HD because scammers hadn't spent yet, XXXX XXXX has said forgiven {$3000.00}, but Discover Card has said I am responsible for the {$6000.00} debt because fraud was not committed, I gave permission. I WAS HELD UP ON THE PHONE AND THREATENED WITH CHILD XXXX AND JAIL. NOT ONLY ME BUT MY SON TOO. I AM ELDERLY AND ON FIXED INCOME. I CAN NOT MAKE THE MINIMUM PAYMENTS. THIS IS FRAUD. PLEASE HELP ME. THANK YOU IN ADVANCE.
Product: Debt or credit management

On XX/XX/year>, I retained the services of ( COA ) Clear One Advantage, a debt consolidation company to consolidate 4 loans. They assured me that they would be able to work with my creditors and that I need not have any more contact with the creditors. Withdrawals from my checking account began on XX/XX/year>, in the amount of {$190.00} although the company had not secured any settlement agreements from my creditors. Two more withdrawals followed on XX/XX/XXXX and on XX/XX/XXXX in the amounts of $ {$160.00} and {$190.00} respectfully. COA was only able to secure a settlement agreement with one of my creditors of the four originally named. On XX/XX/year>, after constant harassment from the other 3 creditors so named in the consolidation, I cancelled the services of COA prior to the first scheduled payment to XXXX XXXX XX/XX/XXXX in the amount of {$160.00}. I was informed at that time that funds withdrawn from my account would be refunded to me within 3 to 5 business days following cancellation.

It should be noted that 3 creditors named in the consolidation claimed that they never received any settlement offers from COA and continued to contact me for payments. As a result, several of them lowered my credit limits on accounts for which I had 100 % pay on time reported on credit reports, and eventually suspended and or cancelled my accounts. On XXXX I contacted COA after not receiving the refund as it was 11 days since my last contact and still no refund. I was told by a representative that the account was showing as active. After speaking with a supervisor a day later, I was told that I was not being refunded, that they had charged me a service fee and moreover that I in fact owed them {$1000.00} in service fees. after filing a complaint with the XX/XX/XXXX, I was contacted by an Associate in Quality Assurance Resolution Division of COA on XX/XX/XXXX who has been attempting to have my money refunded to me. As of this complaint I am still waiting for that refund in the amount of {$510.00} which I was told today will be refunded by XX/XX/XXXX to my checking account. I have been informed that meetings have been held, and higher ups have been informed of the situation regarding my refund. I have been attempting to retrieve my refund since XX/XX/XXXX when cancelling the services of COA. I have since decided to file XX/XX/XXXX bankruptcy as this process has ruined my credit.
Product: Payday loan, title loan, or personal loan

I disputed the account on my credit reports ... .... it came back " verified ''. I then sent a letter to 1st Heritage on XXXX, XXXX asking them to verify the account with my contract. I received a reply letter back from XXXX XXXX XXXX. It was just a general letter they send out. It didn't have a contract or any paperwork that I was requesting. I mailed out my 2nd letter to XXXX XXXX asking again about the contract with my signature AND also stating inaccuracies that was on my credit report. XXXX XXXX was reporting on my credit reports that date of last payment was XX/XX/XXXX but on the payment calendar it showed a payment in XX/XX/XXXX. They also had a bunch of discrepancies on the payment calendars that I stated in my letter. They replied to my 2nd letter with the SAME letter they sent out before. Not addressing any of my facts. FCRA U.S.C.1681i ( a ) ( 5 ) ( A ) ( i ) that all information must BE ACCURATE, VERIFIABLE OR BE DELETED. FCRA U.S.C.1681s-2 ... .. these furnishers have to provide ACCURATE information when reporting to the credit bureaus. I sent a final 3rd letter in attempts to get accurate information, only to be sent the SAME letter they sent the first 2 times. In my 3rd letter, I asked them to verify aspects of the acct. They were reporting different " date of last payments ' and payment history wasn't correct. I also asked for them to produce the XXXX for the accounting owed. If they claimed a loss on taxes, made any insurance claims or took a loss and not crediting the client. They sent no such information or paperwork. XXXX XXXX is not in compliance with the FCRA. We as consumers have every right to ask for verification from creditors to make sure they are reporting 100 % accurate on credit reports. I even stated what was reporting wrong on the reports and asked numerous times for XXXX XXXX to send me proof of the inaccurate reporting ... ... and I got nothing. It is companies like this that feel that do not have to comply with Federal Laws that are their to protect consumers.In their letters, it states to provide them with details regarding specific information that was incorrect. I complied with that and gave them items that were wrong. And asked them how they got the balance they got, which is wrong. They are suppose to be able to provide me this information and verify all aspects of the account and they have FAILED to do so. According to FCRA 15 U.S.C.1681s-2b ( 1 ) ( E ) ( ii ) if an item is found to be INACCURATE, INCOMPLETE, OR CAN NOT BE VERIFIED, the furnisher MUST DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and Inquiries on my Equifax credit report : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

It has been brought to my attention that Midland never received a bill of sale for debt they sued for. I inquired this information because another debt collector tried to collect the same debt. 
Amount paid doesn't included wage garnishment from multiply employers.

Midland obtained a new judgement without proper notification in writing, court house told me they have not had anything filed against me since XXXX XXXX XXXX XXXXXXXX is from XXXX. 
Not willing to work agreement, per letter from earlier this year. Threatenings, rude, illegal practices all the way around Still have not received written notification of bank garnishment.
Product: Debt collection

Attatched are the letter from the manager at XXXX XXXXXXXX and XXXXXXXX stating she would remove n delete the wrong info from debt from them to XXXX  equifax and XXXX. After i have already paid the XXXX $ as of today. attatched is the official letter from manager XXXX at XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Credit reporting or other personal consumer reports

I have fraudulent addresses on my credit report : A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The one and ONLY correct address for me is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Please see my documents in the attachments.
Product: Mortgage

I tried to pay off my mortgage with Specialized Loan Servicing. I wrote a check for on XXXX XXXX for the due bill based on the principal balance of my mortgage shown on my monthly bill. I received a notice that they would not accept my check because it had to be a wire transfer or money order to confirm funds. This is the same check they accept every month for the last 7 years. By depositing the check the funds would have been confirmed. Since then they sent a payoff summary for the balance with interest calculated until XXXX XXXX and XXXX late fees. I called and XXXX of the late fees were from XXXX and XXXX that the agent confirmed I did n't owe and the other was from XXXX because they would n't accept my check. I asked for a new payoff summary and she said I should pay the amount on the first XXXX and they would mail me a check for what I did n't owe. I did n't received the new summary until recently and it was n't corrected and it had more interest attached. During the first two weeks of the month I kept calling to try and get a corrected summary but could not get any help only " we sent a summary '' they would say. I since received another summary that still was n't corrected and called again and etc ... ... .. Please read the letter which shows the actual time line of events and information requested and received. I am not going to pay all of this calculated interest and late fees because of their inability to do their job. Thank You
Product: Debt collection

Hello, I would like to apply code 15 Usc 1681 to all of these creditors on my credit report and also to these hard inquiries on my credit report. Thank you. 

Creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Dept of Ed Dept of Ed XXXX XXXX XXXX never lived here ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Incorrect Name : XXXX  XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

A lawsuit will be filled next week.So they have to obey the subpoena and give me the documents Im requestingThey didnt give what I asked for in the last complaint.I will be contacting the Attorney General today too My report says I owe $ XXXX.I want the history for this accountThey have me owing $ XXXX.I want the History of this account I want all statements.I will send the attorney a copy of the lawsuit next week
Product: Mortgage

On XX/XX/2021 my mortgage was sold to PHH mortgage from another lender. While I understand this is a common process, I was told on XX/XX/2021 that I was going to be charged a servicing fee of XXXX for online payments. Given I wasn't originally charged this fee from my other servicer this seems like consumers holding the bag for business transactions. I had no interest in playing fees on something that they can't provide a clear explainable reason as to why those fees are necessary for online payments. They said those fees would disappear if I opted in to autopay or if I went paperless. This is a blatant disregard of consumer fairness in a process I am completely unable to play a part in.
Product: Mortgage

Well before I signed an intent to proceed, or was even able to review the initial disclosures, I was charged a mortgage appraisal fee in the amount of $ XXXX.The fee was charged on XX/XX/2020. The initial disclosures were made available through George Mason Mortgage 's intranet and I was not granted access to view these documents until XX/XX/2020. I did not sign an intent to proceed until XX/XX/2020. This was all done despite my proclamations that I was still reviewing mortgage lenders and had not decided to proceed with George Mason. I was assured that my card would not be charged. I was also mislead about the interest rate offered by George Mason.  I believe George Mason charged me the appraisal fee before I signed an intent to proceed in order to lock me in with them. George Mason deceived me and acted unethically throughout the entire process.