23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage Co. XXXX XXXX XXXX c/o XXXX Loan # XXXX on XX/XX/XXXX XXXX XXXX bought our loan from XXXX XXXX XXXX  XXXX XXXX when they did the transfer they dropped one of the 3 borrowers names from the loan, they also changed the property address to our mailing address when the property address is completely different. 
We provided the note and deed of trust showing all three of our names on the loan as well as the correct property address and up until XX/XX/XXXX XXXX XXXX.had the right property address on the mortgage statement and then all the sudden on the XXXX statement CMC changed the property address to our mailing address which then caused them to say we are not insured when in fact we supplied the insurance binders for the property address in XX/XX/XXXX as well as XX/XX/XXXX but because internally they changed the property address to our mailing address they say we are not insured and now are charging us for their internal insurance binder at the cost of {$2200.00}. I have literally spoken to every supervisor int he insurance dept as well as the loan dept, I have conference calls as well throughout the 8 mos of dealing with this and everyone is gon na fix it but 8 mos later I am sitting on hold listening to them tell me they are gon na fix it .... We are at our wits end and do not have any other recourse but to diligently call them without fail every month trying to make them see that they did this mess not us ... we only get a run a round as we are now going on 8 mos of pure XXXX. Today we were told by the insurance side and the loan side of CMC that we have been escalated and the completion should be by XX/XX/XXXX .... HELP???
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/2024 XXXX : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the XXXX system  to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX. XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, Best Buy Visa card contacted me for suspicious charges. One of the charges was to XXXX for {$860.00} for an online purchase. I did not make this purchase! Please investigate my online activity and audit my phone and computer!!!! As a matter of fact, XXXX # XXXX is common fraudulent charge. On XXXX, I received a letter from BestBuy Visa stating that there was not substantial evidence of unauthorized use for XXXX on XX/XX/XXXX. I am requesting more investigative action be taken ; as I swear I did not make this purchase!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert from my bank stating that my score went down when I checked my credit report I found 2 fraudulent accounts on my report the first one was XXXX XXXX XXXX with a balance of XXXX the second one was XXXX with a balance of XXXX also on my report it says I have 4 late payments when actually I am not late on any of my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Checking or savings account

On Friday, XX/XX/XXXX, I realized I could not access my online banking account. I could not open my C-Corp account containing nearly {$250000.00} nor my personal checking account with around {$12000.00} in it. These accounts were linked years ago when I first opened a business account in early XXXX. 

On Sunday, I sat down to call Chase because I still could not log-in to my accounts. It said I needed to sign some paper work. I spent about an hour on the phone with various departments. They said I was a business customer so they couldn't help me through the retail department. Then the business department said they couldn't help me because I was a commercial account. Then the commercial department couldn't help me because I didn't have a commercial account. I kept being passed around on the phone so I gave up. 

On Monday, XX/XX/XXXX, I visited the closest branch in XXXX, Maryland. I walked in to explain the issue with my personal and business account. They gave me an assistant banker who did not have access to business accounts. She proceeded to just call various Chase departments while we sat at a booth in the lobby area. She found out that my accounts had been restricted because of an incorrect address listed on the business account. The business account had recently been closed without my knowledge. I have never even seen the address listed on the business account in my life. I was then solely worried about receiving the $ XXXX left in this closed business account. I worked with her for an hour before a business banker, named XXXX, came over to assist, and directed me to a private office. 

I was told that I could not receive the $ XXXX check on the spot, but it had to be mailed to the address on file ( which I did not recognize ). I opened this Chase business account online a month ago in light of the XXXX collapse. It took 5 minutes and I immediately was able to wire the funds over. Now a month later, I can not access these funds and the account has been closed without my permission or notification. I ask if I can wire the funds back to XXXX, they say I can only open a new Chase account or receive a physical check. I do not want to open a new chase account, so I choose to receive the check via mail. The bank closes before we can complete this process. 

The next day, I am given a different banker, XXXX. I spend 3 hours with her changing the Business address on file to receive the $ XXXX check at my home address. I am not given any tracking information. I still have not received the check. I still can not access my online personal bank account. 

XXXX from the Chase Branch was supposed to check in on me. He has not. I called Chase on Thursday to make sure the $ XXXX check went out. They assured me it had, but could not provide tracking information. They still could not give me access to my online banking. 

It is now Friday. I can not access my online banking at all, my business account has been closed, and I am waiting for a $ XXXX check to magically arrive in the mail.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting acccurately. I had 4 late payment on an account that was, in fact, Paid on time. Consumer reporting agencies need to report all information with compelete accuracy. This account has not been late on payment. I have attached a copy of my credit report with the relevate dates. I am requesting that you investigate this account and update the late payments to be reported as paid on time, Immediately. Thank you fro your prompt attention to this matter
Product: Vehicle loan or lease

Good morning, I financed my car through Westlake Financial. I made my last payment on XX/XX/XXXX and was told that the company was going to send me the documents I need to take to the DMV to get the title to my vehicle. I never received the paperwork. I called back XX/XX/XXXX and was told the exact same thing and was told I should have it in 10 days. The document never came. I called back on. XX/XX/XXXX and was told by a customer service representative that he made note of this situation and to call in 3 business days. I made contact with Westlake financial again on XX/XX/XXXX and was told by a customer service representative that they would have to start the process back over. I asked to speak to a supervisor, and he refuse to put me through. He then stated that he would send me an email once he spoke with his supervisor about the situation. I never received an email from them. I reached out again today, XX/XX/XXXX and spoke with XXXX XXXX. I told him about how I was getting the run around and it was not fair to me. I have paid my car off in full and still havent received the proper paperwork. I asked to speak with a supervisor, he put me on hold for 30 mins and then the call was disconnected. After reading all of the reviews on their website, I see now that I am not the only person whos been going through this. 

I called back 15 mins later and spoke with someone by the name of XXXX, she hung up on me when I started explaining why I was calling back. Called right back and spoke with XXXX ( wouldnt provide her last name ) she put me on hold for over 45 mins. Eventually the call was dropped.
Product: Bank account or service

I got hired on with a new company and had to set-up my direct deposit. I went down to the nearest Chase bank and asked for my account number and my routing number. They printed it off with no issues. I then took it and turned it into my new employer. Here comes Friday, ( payday ) and the money still has n't hit my account. I called my employer and they said they sent it out for payment early on friday, which I should have my money into my account by XXXX or latest by XXXX Friday morning. My employer went through and double checked that the account number and routing number were the same as the form Chase had printed out. They said it matched up. So then I called Chase customer service and they said the bank gave me the wrong routing number and that they could n't do anything for me because the money has n't gone through yet. So I talked to a Manger because this is XXXX seeing how I got it from a Chase bank. I explained everything to her and she still said she could n't do anything about it. So my money is gone somewhere and I still have nothing. Chase is using every excuse in the book and not offering any fixes to this mess up that THEY did, not I.
Product: Debt collection

Alleged debt was from XXXX for a receiver that was lost while being returned.
Product: Credit reporting or other personal consumer reports

I have supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX {$21000.00}, XXXX XXXX XXXX XXXX {$3300.00}, XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX XXXXXXXX Balance {$920.00}, XXXX XXXX  XXXX XXXX {$160.00}, XXXX  Balance {$2100.00}, XXXX  Balance {$100.00}, XXXX XXXX XXXX  XXXX {$620.00}, XXXX XXXX XXXX {$370.00}, XXXX XXXX XXXX Balance {$100.00}, XXXX XXXX XXXX Balance {$660.00}, XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX {$980.00}, XXXX XXXX XXXX XXXX {$1100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with SYNCB/ROOMS TO GO ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting 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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account Number : 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 : 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: Debt collection

I negotiated a settlement a XXXX XXXX XXXX XXXX for a judgement against me from XXXX which resulted in a lien being placed against my property. 

XXXX XXXX XXXX received payment in full on this settlement on XXXX XXXX, XXXX. I was told that within 30 days I would receive a satisfaction of judgement and that the lien would be released. In a letter I received from them on XXXX XXXX, XXXX they state : " Upon receipt and clearance of your payment ( s ) for the settlement amount, no further attempts will be made to collect the remaining balance. XXXX XXXX XXXX will submit a request to the attorney of record, or its appointed entity, to file a satisfaction of judgement with the In The Metropolitan Court of XXXX XXXX, NM and release any lien ( s ) that may be associted with Docket XXXX. '' I have contacted XXXX XXXX XXXX multiple times requesting a status on the satisfaction of judgement and each time I 'm given a different story and they refuse to product the document. 

After 30 days they still have not issued the satisfaction of judgement and will not give me an answer as to when they will produce this document and remove the lien from my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to disptue my Credit file and have the disputed accounts that are reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported as verified. I am requesting that the Credit Bureaus re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Under the Fair Credit reporting Act, I have the rights to request to the Credit Bureaus to invesigtigate the erroneous accounts on my Credit File, and have the disputed accounts corrected, updated and or removed! However, the Credit Bureaus have failed to send me copies of proof of verification from their investigation. This action of the Credit Bureaus is a clear violation of a consumer rights under the FCRA. Once again, I need the Credit Bureaus to investigate and correct the following disputed accounts on my 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
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, I received a wire transfer from the sale of my company stock. The amount was XXXX euros, held in a French bank. 

Once deposited into my bank account ( at PNC ), it was {$86000.00} XXXX. This would put the exchange rate at XXXX EUR/USD. Additionally, PNC charged me a {$15.00} fee for the incoming wire transfer, which I am not disputing. 

However, the market rates were considerably higher at the time ( xe.com shows XXXX for that day - attached XEEURExchangeRate.png ). I had other work colleagues that performed the exact same transaction with their bank on the exact same day. The rates that they received were in line with xe.com 's rates for the day. My co-workers received as high as XXXX for their exchange rate. 

I contacted PNC on XXXX XXXX to dispute the exchange rate. The first question I asked the representative was to give me the current day 's exchange rate. He confirmed that it was XXXX. This is consistent with xe.com 's rates for that date. I then asked how I was given a rate much lower than the market on XXXX XXXX. He transferred me to another department ( the foreign exchange department ). 

This person confirmed that the rate on the date of transfer was XXXX. I asked how the rate could be so far off of the rest of the market, and was told that they did not know and could not provide more information. I asked how the person today could quote me XXXX as an exchange rate, and was told that he mis-spoke, and that his rate was not accurate. 

I sent my transfer to PNC because I counted on them to be comparable to other banks. In fact, their website states " PNC 's exchange rates for individual foreign currency orders are competitive with those offered by local banks. '' ( attached PNCExchangeRates.png ). Their rate was considerably lower, and if we consider XXXX a fair exchange rate ( based on XXXX 's rates for the day ), I was shorted {$3400.00}. 

So if PNC is not competitive, and there is no way to verify rates with them ( either before or even after a transaction ), then it seems that they are fraudulently misleading their customers to believe that foreign currency will be exchanged fairly.
Product: Debt collection

I receive a letter from American Coradius International LLC stating that I owed {$620.00} dlls as of XX/XX/21 and that they represent XXXX. I checked my XXXX account and the balance is {$0.00}. Everything paid up to date. 
The letter was sent from Texas ( empty lot ) and the letterhead has an address from XXXX, NY. 
I already called XXXX and they don't know what I'm talking about. 
I logged in to XXXX forum and there are many customers with this same situation.
Product: Mortgage

In XX/XX/XXXX Ditech notified us that we would be given a new account number. When that happened our interest rate went from 1 % to 7.50 % and payment went from {$87.00} to {$310.00}. This was not correct since the above was in effect until XXXX of XXXX, and even at that time the contract does not go to7.5 % it only goes to % 2 with a payment of {$100.00}. This was all per a loan modification ( " 2MP '' ) done in XX/XX/XXXX. 
Each of the last 2 months we have been unable to make payment on the website as it shows the higher rate and payment. So we called and made payment on the phone with a representative for the correct payment amount. ( confirmation numbers are in documentation ). We continue to get calls and letters stating we are over 52 days past due and they have charged late fees. 
When we speak with someone on the phone or we go onto the web site it shows the correct interest rate and payment but letters and phone calls state the opposite. 
When we last spoke with a representative XX/XX/XXXX we were told, " We are working on it. We do not have a resolution date. We have over 11,000 accounts with this same problem. '' We are concerned about our credit report, almost daily letters, weekly phone calls and other possible repercussions since they do not have a resolution date. Since it has already been over 2 months since this all started, any help you can give us would be greatly appreciated. 
See included documentation.