23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been wrongfully denied a mortgage relief modification under HAMP by Bank of America on at least 2 occasions both in XX/XX/XXXX. The reason they stated for denial is because alleged Investor Owner to my mortgage is XXXX XXXX by way of a merger with XXXX Bank who allegedly received an assignment of the Deed of Trust in XXXX. Apparently XXXX XXXX DOES NOT participate in HAMP and thus BOA can not offer or grant my modification. My research on the XXXX online system shows that the mortgage is owned by XXXX not XXXX XXXX who received an assignment fraudulently executed by a person named XXXX XXXX who falsely claimed to be an employee of XXXX as a Assistant Secretary when in fact she is actually an employee of Bank of America in XXXX, XXXX. XXXX never held or possessed the legal capacity to sign the assignment that was recorded against my property. This assignment is based on FRAUD and False Statements. BOA is standing by its decision to deny my mortgage relief modification because XXXX XXXX does not allow it which is against HBOR in XXXX. 
Now they have a pending foreclosure sale date on XXXX XXXX, XXXX in an attempt to steal my family home.
Product: Checking or savings account

I opened this account with Chase after my auto accident, this money was my settlement check. then I moved to XXXX XXXX AZ to live on some land that I bought. This account is only used for day-to-day expenses. From the day I opened this account I have never been able to use the online app. could never get it to work. So could not look at my statements. Every month when I used the ATM " the only one in town. '' I would check my balance. on one such an occasion I noticed my account had gone from XXXX to XXXX real fast S I used my phone to check the past ten + transaction and found a few 800 transactions. I had not made any large transaction on this account. SO I called the bank to talk to the claims department. they opened a claim for the transaction in XXXX that they found they were all XXXX transactions I do not have an account with XXXX and the transaction where all from XXXX XXXX. SO after they looked at XXXX and part of XXXX, they put the claim in for XXXX I got that money back in less than two hours. but at this point they got another 12 ; out of my account and now my account was empty. With the help of the customer service people, I was able to get my online app to work. and was able to look at my statements. And found many more transaction in the month of XXXX. SO the claims rep. took a another look at XXXX and saw all the transactions and we submitted another claim these too where all XXXX XXXX all out of XXXX XXXX. the same XXXX transaction tags as the ones on the XXXX I got back. this claim came to XXXX and after a few days the claim was denied. I called back to find out what was going on and to get them to explain why one claim was OKed and the other one with the same XXXX transaction codes was not no one can. I have sense had a supervisor resubmit the claim as he did not understand either. Just theis morning I got a letter in my app stating that the claim was closed. and no money has been returned I am a senior citizen and need my money back, so I can get my meds and pay rent and eat. Can you help me? btw a simple XXXX search will show that this is happening all over and is a very bad scam. The XXXX ads that is.
Product: Credit reporting or other personal consumer reports

I already requestion my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

last 12 months billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E. allocation of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate info with breach of XXXX has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information below is what I found on my credit report that is not mine. I demand the accounts below be removed from my credit report immediately! 

XXXX XXXX XXXX XXXX  {$940.00} XXXX XXXX XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$540.00}
Product: Debt collection

My Deceased Ex Husband passed away on XX/XX/XXXX. His Mother who is now Deceased on XX/XX/XXXX of XXXX, we both contacted his Mortgage Comp. { XXXX } on his Death on the XXXX of XXXX. I have a letter from them that I'm not a party of interest nor Heir. { Ex-Wife } I'm not a cosigner/co borrower, not on Home, not on Taxes, nor an Executor of Estate, nor successor, nor Deed/Title on nothing. For 15 Months They called me on my phone, and they got Verbal. XXXX kept my number and gave it to their Attorney then they called. I filled Bankruptcy XXXX XXXX someone in my Attorney 's office contacted them why I don't know? Mortgage Comp. 's Attorneys put in a motion of Abandonment. Mortgage told them I was an Heir? But on a Doc 63 Mortgage Attorneys put in had My Deceased Ex Husband 's Address and mine is missing I never lived there that is Fraud. Then Withdrawn it after the Trustee Objected, if they can prove I was an Heir and Trustee would take the home and sell it and pay the Creditors { XXXX. } Mortgage. XXXX said no and had their Attorneys withdraw motion to make it look legal on the address but Illegal then I found out that the Attorneys had a Lawsuit filed before court for payment on Deceased home that I don't own. If the Trustee or the Judge didn't grant them their request or let the Attorneys change my address. Letting you know about their harassment and intimidation. And aggressive and deceptive practices all parties should be held accountable and is a violation of my rights. I'm not responsible for this Debt. The parties Involved are Attorneys McCalla Raymer Leibert Pierce , LLC and XXXX XXXX The Deceased never remarried no children he was single an unmarried man I also told all parties above in a Certified letter this matter is closed do not contact. Father is Deceased, Mother Deceased, Cousin who moved his stuff out of home XXXX, Aunt and Uncle Deceased old age, don't know where widow of Cousin is, or his XXXX daughter live and don't know their names. I am the victim in this mess. The Ex-Wife has the right to say NO on the home and they didn't take NO for an answer. They sent someone after me in a secured building you need a pod device to get in that person Trespassed. This happened 3 times and once in a car trying to hit me. same person on video in car. and building belongs to HUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's systems ( online, phone IVR ) to freeze/unfreeze my credit are inaccessible for several days at a time. According to the FTC information on consumer credit freezes, their systems should never be down for more than one hour. Since their systems are down, I am unable to login online to unfreeze my credit, and the phone IVR is unable to process my request. This is unacceptable. I am applying for my first mortgage and need my Equifax credit file unfrozen.
Product: Debt collection

Im not paying your ransom for selling my name. 
I dont care if you keep trafficking my personal information XXXX said they can sell your personal information 100 times if they want and it becomes an emergency to be paid. A two yr old account is still active and continues to change status daily Im not paying for your ransom
Product: Mortgage

Bought my house with cash XXXX, XXXX from divorce money. I am permanently XXXX. In XXXX, was scammed with cash and credit cards. XXXX XXXX into a XXXX loan with XXXX cash out. The loan seems illegal. Research says it is illegal to turn unsecured debt into secured. Null and void. In XXXX, XXXX XXXX bankruptcy discharged all my debt. XXXX shows sls loan as closed due to bankruptcy and no liens on property. There are no liens on my property at the local Courthouse either. They refused to modify my loan about a year ago. They did not respond to my app requesting mortgage assistance. They said short sale is available as an option. But i have asked for short sale, and they don't respond, instead say they need full payoff. They are playing hardball, especially since their homeowners insurance would not cover a water shut on after pipe freeze problem last year.
Product: Debt collection

Getting repeated calls for like 3 months now looking for someone I don't even know. I've told these people this many times over that I don't know who they're calling for and to not call my number again. The calls keep coming non stop I can tell they're robocalls also because of a long pause when I answer the telephone and a person with a robotic foreign sounding voice. Also I get no caller ID calls all days and night with people looking for this person I don't know that owes a debt. Last month alone i had XXXX calls from No Caller ID looking for so and so that owes a debt I say stop calling me & 30 minutes later someone else is calling.
Product: Checking or savings account

We have been trying to open a checking account since early XXXX. For an unknown reason, it has been impossible to complete. Since XX/XX/XXXX, no one from Wells Fargo has contacted me by email, text, phone or mail to provide any information as to what needs done to finish the set up of the account, or to tell me what the status is. I have called 1-2 times a week to find out what is happening. Each time, it is a different story. Please review the file to see how many times I have called. 

We were told the application was approved about 10 days ago, then I called again and was told that a docusign needed done because of some illegible hand written info. Last Friday the docusigns came to the 4 parties who all signed theirs. Monday I called and they said it was being reviewed again. Each time I am told not to call back, as someone will contact me if they need anything. Then just now I was told that a signature on the docusign was illegible. No one notified me, again, I was not sent anything to resign. 

I asked about going to a branch to finish the application, and was told I would have to start all over again. We have been banking with Wells Fargo since the XXXX. At that time, we had about 25 accounts between checking, savings, credit cards and loans. We have about 12 account now. When I just now asked the rep how to close all of the accounts, he said to go into the branch. I don't want to close all of my accounts, but it looks like that is what Wells wants me to do. I have to have another checking account for a separate business, and I insist on having everything at the same bank so I can easily make transfers and review all of the accounts from one place online. Now I am stuck between starting all over again going into the branch, where the other members have to meet now which is very difficult. Or keep calling and see if we can get an account set up. I have opened dozens of bank accounts through work the past 30 years. I have NEVER had an experience anywhere close to this. It would have saved a lot of time if Wells Fargo just told me that they would not set up an account for me, as I have wasted hours of my time and it has been quite stressful. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax on multitalented occations and they refuse to assist me handling my dispute process with involves identity fraud with accounts trying to be opened. XXXX and XXXX have successfully removed my fraudulent inquires and Equifax still remains to not care on assisting me after I have provided the with police reports and filed disputes. Police report no. XXXX XXXX XXXX XXXX Sheriff Dept. Equifax dispute confirmation no. XXXX 1.XXXX XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY 2.XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided 3.XXXX XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided 4.XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 5.XXXX XXXX XX/XX/XXXX. XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX 6.XXXX XX/XX/XXXX. XX/XX/XXXX National Credit Card Cos. 
None provided
Product: Mortgage

On XX/XX/XXXX my loan was sold to XXXX Mortgage. I didn't receive any notice until after XX/XX/XXXX. I made my normal mortgage payment from out-of-town through my bank account to XXXX XXXX/XXXX  XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX I received a letter from Freedom Mortgage that my loan was sold to them. My XX/XX/XXXX payment was forwarded to Freedom Mortgage on XX/XX/XXXX by XXXX XXXX but has not been posted to my account.
Product: Vehicle loan or lease

Threatening behavior from account managers based on XXXX and education. I have dealt with this before.
Product: Student loan

Submitted request for IBR. When contacting via phone to receive status I was placed in the call back queue with a promised call back that never occurred. Additionally, have sent email asking about status and indicting a response would be sent within 48 which never occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a loan for a car to which my first problem was the same day. Car was dead. Battery was replaced. Then I took the car in on numerous occasions and each time they said there was no problem. By the fourth or fifth month the whole transmission fell out the car. It was supposed to be covered but in a turn of events they said I will have to pay for the tear down which could have ran me up to {$5000.00}. Now that is not fair. I reported it immediately and told them to keep the car. Then later I found out there was a problem about a salvaged title which was another problem. Now I get called from them several times a day everyday. It has gotten so bad I put them on block and they still call from other numbers. The harrassment is out of control.
Product: Debt collection

On XXXX XXXX, 2012, I began services for a program by XXXX XXXX XXXX. During my initiation, I was told that the total cost of the program would only be a single deposit of {$100.00}. I made XXXX separate deposits of {$50.00}, which covered the entire care. The program ended on XXXX XXXX, 2012. Instead of my health insurance ( at that time ), covering the costs, I discovered about 6 months later, that the coverage on my end, was supposed to be {$100.00} PER DAY! I was not able to pursue a dispute, due to the fact that I was ( and still am ) XXXX XXXX, and had other things to tend to. Long story short, I am in debt now because of being given false information and miscommunication. I would like this to be resolved immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters to the credit bureaus since XXXX. The last letters I sent in XXXX. XXXX responded that the account was verified by courts which is untrue because I have letter from court stating they dont give information to credit bureaus. Equifax and XXXX  has yet to respond and its been 30 days but I sent letter to them as well from the bankruptcy court asking also that the information for Bankruptcy be removed from my credit report. 

Equifax, XXXX. XXXX XXXX, XXXXXXXX GA XXXXXXXXXXXX XXXX XXXX. XXXX XXXX, XXXXXXXX TX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX PA  XXXX
Product: Debt collection

Unknown pay day loan from XXXX XXXX XXXX. Calls multiple times a day and phishes number to show up as local callers.
Product: Debt collection

this complaint is against experian with copy to their subscriber XXXX XXXX. 
EXPERIAN TRIES TO DISSUADE THE TIMELY PRESENTION OF UPLOADED EVIDENCE IN AN ACTIVE DISPUTE BY NOT ALLOWING UPLOAD TO PUT IN EFFECT MAIL TIMES AND THE ALOTTED TIME FOR EXPERIAN TO RECEIVE. 
XXXX IS AN ACTIVE DISPUTE.THE DEBT IS THE PRODUCT OF FRAUD.AN FTC POLICE REPORT OF ID THEFT HAS ALEADY BEEN DELIVERED TO NON RESPONSIVE EXPERIAN .THE EVIDENCE TO THIS DAY IS THE CRIMINAL COMPLAINT AGAINST THE ORIGINAL CREDITOR OF XXXX XXXX IN REGARDS TO MY '' DEBT ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is to Lexis Nexis for inaccurate information on the bankruptcy file. I ask that some one alive review my dispute and not just a automated system. I am not disputing if the bankruptcy belongs to me or not. In the bankruptcy file, there is a name not belonging to me or my wife XXXX XXXX XXXX under the fair credit act law Lexis Nexis must delete the files and not furnish inaccurate information because its illegal for you to do so. I asked that someone alive review my request because by law I have the right. and I ask that the bankruptcy files be deleted even though it belongs to me but because legally it has inaccurate information a name not belonging to me or my wife!
Product: Checking or savings account

I had bank fraud committed on my checking account with Chase for over {$1800.00} in ATM withdrawals by a thief. I reported it to the banks fraud department and filed a police report. They gave me a temporary credit and in 6 days took it back. The only thing is MY money was still stolen and they took my social security money. It is still overdrawn and my son, who is on my account, receives his XXXX check on the XXXX of the month and they will take that as well. This is social security AND XXXX and I do believe that is illegal. I don't know what else to do to my knowledge. Once you go to the police, what's left??? I did send emails to XXXX XXXX XXXX, the XXXX of Chase and someone in the XXXX office did respond, but did nothing. I still haven't heard back from them. I am the victim in this XXXX XXXX state and now I'm being victimized by the bank that is supposed to protect their customers. HELP ... ..I am desperate and don't know what to do. I am going to see about suing them, JUST to get my rightful money back, nothing else. I need help ... ..is anyone out there? I am also filing suit with the Attorney General 's office in this state for all the good it will do. Someone out there has to be humane enough to help and point me in the right direction. I'm going to blast them all over social media as well.
Product: Debt collection

Hello, I received a notification from credit monitoring about a new collections account on XX/XX/2018. It is a Diversified Consultant Inc company name. I never received a Dunning Letter for one. For two I filed a complaint with you folks..reference # XXXX. This number was with XXXX XXXX. This Diversified Consultants is a new company trying to collect on a debt not owed. They took over from XXXX XXXX. 
My complaint is with Diversified Consultants now. Please see filed complaint number XXXX exact same with Diversified Consultants. 
Thank you
Product: Debt collection

This claim arises from actions by XXXX XXXX XXXX XXXX XXXX ), a debt collection company, and an alleged law firm, regarding an alleged debt owed to the Cash Store in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others contacted me and my mother and claimed I had an outstanding balance of {$4300.00} via texts, phone calls, and other means. I informed her that this debt was already resolved and paid in full to another debt collector, XXXX XXXX XXXX XXXX XXXXXXXX. I also provided more documentation showing proof that XXXX XXXX XXXX closed the account already. Despite thisXXXX XXXX XXXX XXXX threatened that I had two days to pay them or they would take legal action in the form of civil judgements and claimed that I committed an attempt to defraud a financial institution with intent. 

I requested documentation proving their legal right to collect the debt, licenses and registrations showing they are a lawfirm and/or approved debt collector, and an itemized breakdown of the balance and fees of the alleged debt. 

XXXX XXXX, an alleged paralegal at XXXX XXXX XXXX assured me that if I paid them immediately, they would halt the legal action and reimburse me once I provided proof of payment from any previous debt collection agency. Acting in good faith to avoid legal action, I made the payment and subsequently sent them a copy of the paid in full letter from XXXX XXXX XXXX along with my bank statement showing the XXXX payment, and a " closed account '' statement from XXXX XXXX XXXX. Both of which prove that this debt had already been resolved. 

Despite my efforts, XXXX has repeatedly denied receiving the documentation from XXXX XXXX XXXX They have not issued a reimbursement for the payment I made to them, nor provided any paperwork proving their legal authority to collect this alleged debt, or an itemized breakdown of the alleged balance and fees ( Verification of Debt ) for about two weeks now. 

I have attached a copy of the paid in full letter from XXXX XXXXXXXX XXXX and my bank statement showing the XXXX payment which resolved this debt years ago. 

XXXX XXXX XXXX and their representatives potentially have made material misrepresentations of their legal authority to collect this debt, made threatening accusations and threats of legal action, materially misrepresented the amount I owed to the Cash Store, and illegally collected an already resolved debt despite multiple attempts to prove the debt was settled, and innapropriately threatened legal action and made accusations that I broke the law and would be charged for Attempt to Defraud a Financial Institution with Intent. 

Therefore, several provisions of the Fair Debt Collection Practices Act and several state laws have potentially been violated.
Product: Credit reporting or other personal consumer reports

Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX