23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today, at XXXX, XXXX from XXXX XXXX XXXX XXXX of XXXX GA , called. I was unable to answer. She then called a third party and involved them in her collections attempt. 
XXXX called Lendmark financial and asked an employee named XXXX to call me regarding the $ XXXX XXXX XXXX XXXX claims is owed to them on purchase of my motorcycle from several months ago. XXXX then called me ( as a third party person ) at XXXX today, to discuss my obligation and responsibility to contact XXXX XXXX XXXX and pay off this debt. 

My account at Lendmark Finance is current, all payments have been on time or early. I dont have another payment due until XXXX XXXX with Lendmark. So a representative of Lendmark had no reason to call, most especially on behalf of another business. XXXX shared details of a debt with a third party and asked them to make a collection call on her behalf, and on behalf of XXXX XXXX XXXX XXXX. I feel both parties violated rules and regulations and would like to have this matter investigated.
Product: Checking or savings account

I will be XXXX years old on my next birthday. I must admit I do not check my balances on a daily or weekly basis. I check once a month. 
When I checked, I found out that {$400.00} had been removed from my account at a Drive In Window. The bank insisted that I made it after I deposited a money order and then went back to take out {$100.00} for a homeless friend that was sitting on the curb near the bank. 
I went back to the bank to ask questions. I was told that they could not give me any information because the teller who did the transaction was not at work that day. I continued to call and was told that all transactions showed my drivers license and bank card so that was their proof that I had made the withdrawal. I then went to another bank and they could not help me. Then I went to a third bank and filed out a form and had it notarized. The money was put back in my account but with no reason why this happened. 
On XX/XX/XXXX they finally sent me a letter from the Fraud Assistance Center that told me they were HAPPY to inform me that they credited my account with the {$400.00}.

I went back to the Olney branch several times to ask why this happened. I was told that the Fraud division had not given them an explanation. I kept getting the RUN AROUND. I have 4 accounts with this bank. Three of them are in my trust. The one that is in question is not. So last week I closed that account and put it in Navy Federal where I have my other accounts. 
My fear is that it might happen again. It is a lot of trouble changing banks. My XXXX sons social security check in which I am the representative payee will have to be changed and the account with my social security check will have to be changed. It will be so hard for me. I dont know which bank to change to. I would love to do XXXX but cant get in. My father was a 100 % XXXX vet but he did not have XXXX. I have two sons who are veterans and have XXXX but the company goes down so my sons could not pass it up to me. I am so fearful about my savings account and two checking accounts that remain in Suntrust b The Claim Number given to me by the Fraud Assistance Center is XXXX Please help. I deserve some type of explanation if it were a banking error or whatever. Thanks in advance for any help that you can give me.
Product: Credit reporting or other personal consumer reports

hello, someone has been using my personal information to obtain goods and services while i was a victim on XXXX XXXX violation 605c,
Product: Mortgage

my original lender was figure lending I made a heoc loan in XX/XX/year> for XXXX the payment was {$340.00} a month. I was out of work and request assistance I received a 6 month deferent in which I was told would be moved to the end of the loan. after deferent period I was told I was suppose to pay a six month payment on th the following month after six month deferment. I requested a modification the loan was transferred to XXXX XXXX XXXX XXXX. I request hardship in which I was told I did not qualify for modification with no reason why. I was also told my payment was XXXX with no explanation. Before this hardship packet could be processed it was transferred again. the new holder is shell point Mortgage company They are saying that I and not available for modification and my payment is now XXXX and my balance is XXXX and I have an escrow when I asked why they said they paid my past due taxes in which no payment has been made. they ever also charging me for lender placed insurance when the life of the loan I have been insured. Even with escrow and they paid the insurance premium. I still have been charged for lender placed insurance and insurance and tax payment in an escrow account. I have asked for modification and harship I was told to XXXX to be put in firs payment plan at XXXX a month but now one could tell me why I was going to have to pay this much and for how long when my original payment was XXXX. No XXXX can tele how I can get to paying XXXX. Now I am being told to get a payment plan I have to pay XXXX down and XXXX a month and n one has contacted be back to resolve.I requested a call from agent over my loan. I just received called from another rep stating she is not available. I have not received any notices of these changes to my loan I did not agree to I have also submitted XXXX complaint to XXXX XXXX about these issue with no resolution.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to Equifax and Transunion regarding inaccurate information on my credit report. Despite providing evidence, Equifax and Transunion has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : Equifax and Transunion has not ensured the maximum possible accuracy of the information in my credit file. 
15 USC 1681s-2 : Equifax and Transunion has continued to report inaccurate information after I provided notice of disputes. 15 USC 1681 ( 5 ) : Equifax and Transunion has reinvestigated and reinserted disputed items without notifying me, as required by law. 15 USC 1681c ( c ) : Equifax and Transunion has reported obsolete information that should have been excluded from my credit report. Recently, I became aware of the lawsuit filed by the CFPB against Experian on XX/XX/XXXX titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing with Equifax and Transunion. 
Equifax and Transunion failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities. This account has been charged off since XX/XX/XXXX but the creditor XXXX are falsely telling Equifax and Transunion that this account is open which is lie. This company has also been falsely making payments to this closed charged off account which is fraudulent activity. Equifax and Transunion continue to ignore all of the errors and inaccurate information Ive been providing for this account that needs to be deleted. Ive asked this company if this debt was true, to please provide me with a 1099 C form and they refused to provide me with that accurate information. Attached to this complaint will be my last complaint I filed about this inaccurate account. Experian has already deleted this account for the very same inaccurate information being reported. This account needs to be deleted immediately! This account is flooded with inaccurate information. My next steps if this account isnt removed, I will be filing a claim against Transunion and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Account Name XXXX  XXXX XXXX Account XXXX, has violated my rights. 
Account Name XXXX XXXX XXXX Account NumberXXXX, has violated my rights. 
Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX, has violated my rights. 
Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

Hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX These accounts have 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: Bank account or service

Applied for loan for hot tub purchase from Wells Fargo Bank. Wells Fargo declined me for the loan and I lost out on a sale price for the tub. I have very little debt with a XXXX mortgage and only {$300.00} in credit card debt. I have a XXXX credit score from XXXX. When we called the XXXX number we could not be directed to someone that could provide information on why the loan request was denied. The loan amount would have been {$3700.00}. I have since financed with another bank. The frustration from this will forever keep me from doing business with this bank.
Product: Credit reporting or other personal consumer reports

This information is incorrect in my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Discover Financial Services shown a charge off on my 3 reports. This account has reach it statue limitation to be remove from my credit 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. 

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 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: Vehicle loan or lease

I financed a XXXX XXXX XXXX from neighborhood autos a little over a year ago and I was told the car had a warranty but every time something has gone wrong Im told its not covered. I was also told when I got the car that I could get my insurance through the car lot and later found out I was still responsible for a liability policy on top of the insurance they offered. No one ever explained this to me, I found out by getting pulled over and receiving a warning for no insurance after the officer explained to me what had happened. They require me to have a {$250.00} deductible and at this point I cant afford to pay the car note and the insurance as its totaling {$500.00} to {$600.00} or more a month. They were not transparent about this vehicle purchase at all and I still owe over $ XXXX on the loan. They shouldnt be allowed to do this to people who are already struggling to pay bills. I need a reliable vehicle and I have to go without groceries so I can pay my rent and keep my vehicle and its really disgusting how they do people.
Product: Checking or savings account

I have a business account with square, to receive credit card payments. Now Ive been with them alittle over a year or so. I have received thousands in transactions and sales, being I am a XXXX. Well square is constantly holding my funds with no reason or rhyme. I asked them about it they said it was normal, I said why if my customer pays with a business credit card are my funds still being held, they had no answer for that other than this is protocol Im sorry thats not good enough. Banks shouldnt hold payments that cleared or credit card charges this isnt fair or right for consumers. Nowhere do they advertise that they hold allllllllll transactions. Not some, all. Which means my team cant get paid, expenses cant come out. Theyre holding up business operations for no reason. Im not sure what theyre up to over there but it cant be legal. Oh and they wouldnt transfer me to any supervisor, apparently management has no phone panel I call XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent {$400.00} via Zelle to XXXX by originating the payment from my XXXX checking account for two concert tickets. The recipient confirmed he received the payment as we communicated over the phone and text message. The Zelle transaction number is XXXX for {$400.00}. The recipient disappeared after repeated attempts to contact him and never provided the concert tickets to me. I notifi ed XXXX and they originally told me the transaction was covered. Upon additional conversations, they told me that I should not use Zelle for such a transaction and the funds were unrecoverable. I also made numerous attempts to contact Zelle ; however, they make it nearly impossible to submit a claim or report the fraudulent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity I believe from a data breach with XXXX  I was apart of or when my purse was stolen 9 years ago with my ID and social inside of it. I contacted the XXXX XXXX XXXX Police Dept and filed a report 2 months ago and also filed an identity theft report as well. I contacted all 3 major bureaus and filed a dispute as well and nothing has been done. I should not be held liable for these accounts that I did not open or authorize.
Product: Prepaid card

I am unable to use my Amex branded gift card with 100 % of transactions being rejected. 

On XX/XX/year>, I called the number on the back but wasn't able to reach a person. 

On XX/XX/year>, I managed to speak with both a customer service agent and a technical specialist agent. Despite the call lasting nearly 20 minutes, they were both unable to help with the issue. The technical specialist even reset the card on his end but this did not help.

In addition to the failed transactions file that was updated, below are some recent transactions that also failed. 
XX/XX/year> - XXXX XXXX  for {$53.00} XX/XX/year> - XXXX  for {$56.00} There were other attempts to use the card that did not show up on the failed transactions file but I do not have memory of them.
Product: Mortgage

At the start of Covid I had applied for mortgage assistance XXXX XXXX had me sign a document that would push my mortgage back until I was caught up. The amount was for like {$77000.00} and some change. 
That was the first lien put on my property because I have a VA loan and so that being said there should not be another lien on my property. The first one was signed on XX/XX/XXXX of XXXX to keep me in the home to help me with my payments to lower them, etc. etc. Then on the XXXX month of XXXX XXXX XXXX took it upon themselves without my knowing and my knowledge and a Forge signature, put a second mean on my property for {$21000.00} and some change. I did not find out about it until I started a refinance because I wanted to pull money out so I can do home improvements and to invest into four different investments, and to start my XXXX XXXX well the process started in XXXX the documents were requested in XX/XX/XXXX and the mortgage said OK well get this back to you in seven days. They realize that they put two liens on my property and failed to take it off within 30 days here it is now, XX/XX/XXXX. Now it is XX/XX/XXXX, XX/XX/XXXX, and so on and so forth mortgage has failed to present anything to take the lien off, and the reason is because they committed fraud by them doing this, it is preventing me from getting my four whole life policies which were locked in an age XXXX and 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, Im taking all their assets all of it number XXXX I have XXXX whole life insurance policies that were locked in at XXXX. If those policies go up because Im not able to pay for them because I was going to use my refinance for that then XXXX XXXX is going to pay for that as well separately, so that is why Im reporting this because they filed an incorrect lien on my property for my signature and then recorded it at the staff courthouse and the person is responsible XXXX XXXX XXXX for the notarization and the prepare XXXX XXXX and the problem is there can not be error of reporting because if it was air reporting you missing some XXXX  or adding some XXXX let me one maybe Ive done it a week after this was done months after five months after so this cant be a clerical error. This is fraud to prevent me a person XXXX XXXXXXXX from prefer pursuing life of XXXX and all that this was purposely done XXXX XXXX mortgage to keep me from doing what I need to do
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXXL 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 OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to this company about the inconsistency of the information that is shown on the website verses the information obtained from loan companies. I recently found out that they are reporting to me an updated report but when a bank or lender requires an updated report they give them an older report with an inaccurate score. I have caught this company is this 3 times now and it has hurt us financially and we are now seeking not only financially damage but also pain and suffering for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 Listed accounts 1.XXXX  XXXX 2.XXXX  XXXX XXXX XXXX ( item labeled incorrectly derogatory. Should be marked Paid off ) Removal of Extended Fraud Alerts from credit profile Transunion, XXXX, and XXXX.
Product: Debt collection

On XX/XX/XXXX I was furloughed from my full-time job due to the Covid-19 and I wrote my part-time job to informed that I would not return to work as well. I applied for unemployment on XX/XX/XXXX, because I received a letter from my full-time that I would be furlough   till XX/XX/XXXX. I got approved for unemployment on Effective XXXX XXXX - XX/XX/XXXX but no longer receive due to returning to work at the part-time job. However, due to Covid-19 my full -time position was no longer needed per CFO. I decided to return to my part-time job on XX/XX/XXXX. Well on XX/XX/XXXX, I received a letter that my pay check will be garnish on XX/XX/XXXX and I was never at work to received the Process of Garnishment letter because I was out on leave and I was unable to respond in the 30 days time frame to the Debt collector. Now I am being garnish for {$6000.00} and not able to reduce the percentage. I feel that this is unlawful and I never even sign any court documents in the first place to even get my wages garnished or to know that my wages will be garnish. I feel that both parties should be held responsible.
Product: Mortgage

I have been in negotiations with Mr. Cooper/Nationstar for more than 5 years. During this time, I have attempted multiple loan modifications as well as multiple Pay-Off Settlements. Also during this time, my mortgage has changed ownership more than once, as well as apparently locations. Mr. Cooper has proved fraudulent and conflicting information regarding the address of the Assignee/Owner of my mortgage. In a document sent from the mortgage Servicer, Mr. Cooper, on XX/XX/2019, Mr. Cooper states that their records indicate that XXXX XXXX XXXX, XXXX. as Trustee for XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX is the current owner of the loan. With the contact information being XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The XXXX County Clerks office records the Assignee being XXXX XXXX XXXX , XXXX XXXX, AS TRUSTEE FOR XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX   MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX AT XXXX XXXX XXXX XXXX, XXXX, TX XXXX Mr. Cooper 's Attorney, and Mr. Cooper associate, Ms.XXXX both have confirmed in writing this to be the correct address of the Assignee/Owner of my mortgage. A simple XXXX search shows that the address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX in fact does not belong to XXXX XXXX or Nationstar DBA Mr. Cooper. The owner of the address at XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, is in fact XXXX XXXX XXXX. Mr. XXXX, who is the Facilities Manager of XXXX XXXX XXXX has confirmed in writing that XXXX XXXX XXXX is the sole tenant of the building at this address. 

In addition, after the origination of my mortgage, alteration of the Note took place. After the origination of loan, the Note was stamped with the name of alleged Robo Signer, XXXX XXXX XXXX, Assistant Vice President of XXXX XXXX XXXX, XXXX. This stamp is not accompanied with a Notary Stamp to confirm a date or its validity, and appears ABOVE the signature of the Defendant ( Borrower ). As specified by Uniform Commercial Code 3-407. ALTERATION, ( a ) " Alteration '' means ( i ) an unauthorized change in an instrument that purports to modify in any respect the obligation of a party, or ( ii ) an unauthorized addition of words or numbers or other change to an incomplete instrument relating to the obligation of a party.

( b ) Except as provided in subsection ( c ), an alteration fraudulently made discharges a party whose obligation is affected by the alteration unless that party assents or is precluded from asserting the alteration. No other alteration discharges a party, and the instrument may be enforced according to its original terms.