23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

FRAUDULENT MORTGAGE LOAN SERVICING ( XXXX ) BY WELLS FARGO BANK, XXXX XXXX XXXX ( XXXX ) AND XXXX XXXX XXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) WITH RESPECT TO XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX, XXXX XXXX, NY XXXX. WELLS FARGO LOAN # : XXXX, XXXX LOAN # : XXXX Wells Fargo Bank, XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  XXXX XXXX XXXX ( AS TRUSTEE FOR INVESTOR ) have violated the mortgage origination documents by introducing a new unsolicited balloon loan of {$380000.00} into the home relief option expected to bring relief to the borrower ; but now pain, because they have threatened to foreclose my property unless I agree to sign the additional balloon loan agreement on or before XX/XX/XXXX ; as a solution to resolve the unpaid arrears of {$100000.00}. They refused the extension of the maturity date of the loan from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX as the Retention program provides ; but instead allow only 1 month extension from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
Specifically they are violating Clause 3F of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) which categorically states that only the deferred non-interest bearing amount of {$150000.00} will be due for payment at maturity or when the mortgage principal of {$510000.00} is paid off ( see page 109 of the attachment ). XXXX claim the balloon amount is at the instance of the Investors guidelines- XXXX XXXX XXXX XXXX XXXX ; which violates all the agreements concerning the mortgage loan and therefore violates RESPA and Home Retention Program. 
Specifically they have violated Clause 4 of the Modification Agreement signed on XX/XX/XXXX ( see page 8 of attachment ) -RESPA because they have refused to account for the application of the about {$560000.00} I have paid towards principal and interest payments from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report an account XXXX XXXX XXXX in the amount of {$4800.00} that is a result of identity theft on to my credit file. I have informed Experian that this account needs to be deleted blocked and investigated but yet they have failed to do their due diligence on this above referenced account. I have also contacted XXXX XXXX XXXX and this company can not provide a signed application bearing my signature nor a contract stating that I have had any obligation with them. I have never dealt with XXXX XXXX so how in the heck can Experian be possibly verifying and validating anything when the company itself can't provide me with any information. They have not provided competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you or the original creditor. 

I will be forced to sue Experian and XXXX XXXX XXXX for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act if this is not removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2021. I have disputed this fraudulent account with TransUnion and they have not removed this account from my credit report and TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent item immediately and if it is not removed, then I will be filing a lawsuit against TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX for not removing this fraudulent item from my credit report. I have attached a police report and affidavit for further review.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding ongoing issues with your handling of my credit reports and personal information. Over the past XXXX years, I have repeatedly disputed inaccurate information on my credit file. Despite my numerous requests for proper investigations and proof of such investigations, the issues persist. Additionally, my personal and sensitive information, including my Social Security number, has been exposed in data breaches, further exacerbating my concerns about the accuracy and security of my information within your systems. 

I believe your companies are in violation of the Fair Credit Reporting Act ( FCRA ) due to the following : XXXX. Failure to Properly Investigate Disputes : I have disputed inaccuracies on my credit reports multiple times over the past XXXX years. Each time, I have requested documentation or proof of your investigations. To date, I have not received any satisfactory response or evidence that a proper investigation was conducted. 
XXXX. Failure to Maintain Accurate Reporting : Despite my disputes, the inaccurate information remains on my credit reports, negatively impacting my credit profile and financial standing. 
XXXX. Negligence in Safeguarding My Personal Information : My personal information, including my Social Security number, has been exposed in data breaches. This breach of security has caused significant distress and raises concerns about your ability to protect consumer data. 

These actions ( or lack thereof ) demonstrate non-compliance with your obligations under the FCRA, including your duty to investigate disputes thoroughly, report accurate information, and safeguard consumer data. 

I am requesting immediate corrective action as follows : XXXX. Conduct a thorough investigation into my disputes and provide me with detailed documentation of the process and findings. 
XXXX. Remove all inaccurate information from my credit reports immediately. 
XXXX. Provide written confirmation of the corrective actions taken. 
XXXX. Provide assurances and documentation of the measures you have implemented to safeguard my personal information from further breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I discussed loan refinance with a lender, XXXX XXXX. I gave the permission to pull my credit around XXXX. Less than hour later, I became inundated by unsolicited phone calls from other lenders or their representatives who obtained my information from the credit bureaus, ( XXXX, XXXX  and TransUnion ). They all claim that they are partners with these credit bureaus. 

I did not agree for my information to be shared with anyone! 

Who gave these people my phone number??? 

Why are credit agencies matching the credit inquiry with my phone number and giving to these other parties - I did not authorize that. 

I lost several hours of my time just handing the calls.
Product: Checking or savings account

In the year of 2024, I was charged over {$4000.00} in overdraft fees from a checking account that offered overdraft protection and an overdraft grace period. Regions Bank offers a grace period that allows you to correct your negative account balance by a certain time to avoid the fee. I found that my transfers and deposits would go into " pending '' or take longer than usual when the account was negative and when the money deposited or transferred would correct a negative balance before the end of the grace period. If I had a positive balance, the money deposited or transferred would be available immediately or in a timely manner. The deposits or transfers were always made from an external account, XXXX, XXXX, or an online/app check deposit method. I feel that Regions Bank is abusing the grace period to gain overdraft fees. I did call customer services on several occasions to ask for an explanation on the overdraft grace period practices, but was not able to receive an answer. I was offered " half off '' my fee in exchange for a satisfactory solution. I do understand that Regions has a history of using surprise fees as a method of income. I now believe that " delaying '' deposits to gain fees has become the new surprise fee.
Product: Vehicle loan or lease

Refinance Process and Misrepresentation During the refinance process, Capital One assured me that my first payment would be due on XX/XX/XXXX, and that I would not owe two payments in the same month. However, this agreement was not honored, leading to incorrect due dates being applied to my account. 

XXXX. Repeated Promises of Correction Over the past year, multiple Capital One representativesincluding those in the Executive Officeassured me that the due date would be updated to XX/XX/XXXX, late fees would be removed, and my account would reflect this correction. These promises have yet to be fulfilled. 

XXXX. Unprofessional Conduct and Escalation Issues My recent attempt to resolve the issue in XX/XX/XXXX was met with unhelpful behavior from a Capital One representative. Despite assurances that the matter would be resolved promptly, I have not received any follow-up. 

XXXX. Impact on My Financial Record Despite making all payments on time, as agreed during the refinance process, my account reflects delinquency due to Capital Ones failure to update their records. This is both inaccurate and unfair, causing me unnecessary financial stress.
Product: Credit reporting or other personal consumer reports

I didnt apply or give written consent for these accounts. They are violating my consumer rights and causing defamation of character and my public appearance. 

These accounts are a violation under 15 USC 1681b. In accordance to 15 USC1681c-1 and 15 USC 1681c-2 these accounts are identity theft and need to be deleted from my consumer report. SEE ATTACHMENTS
Product: Credit card or prepaid card

I knew i had late fees for not paying my credit card bill ontime yet the credit card company has abused their power to contact me and my family, i mean, they call atleeast 20xs/day. They have been contacting my parents and harrassing them, making assumptions and accusaions. i have contacted the credit card bank to set up a payment plan and they have agreed to follow up with that plan regarding my financial situation and not being able to pay on time, therefore the past week has been excessive phone calling abuse and saying harrasing things to my family.below is the number that has been calling me with harrasing words as well as one of The XXXX XXXX   numbers in specific order. 
Random number : XXXX ) XXXX XXXX : XXXX ) XXXX
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive this validation. Additionally, California Civil Code Section 1788.18 ( Rosenthal Fair Debt Collection Practices Act ) and California Civil Code Section 1785.25 ( a ) provide further protections and require accurate reporting and fair collection practices. 

As JEFFERSON CAPITAL SYST has not met these legal requirements, I request that the Consumer Financial Protection Bureau investigate this matter. Specifically, I ask for : 1. An investigation into the practices of JEFFERSON CAPITAL SYST concerning their failure to provide the legally mandated validation and verification of the debt. 
2. If JEFFERSON CAPITAL SYST can not provide the required proof, I request that this collection account be removed from my credit reports with all three major credit bureaus. 
3. Appropriate action against JEFFERSON CAPITAL SYST to ensure they comply with federal and state debt collection laws in the future.
Product: Credit card or prepaid card

XXXX : CITI PREMIER CARD ending in XXXX The benefits promoted before enrollment sound great. Honoring a claim, not so much. The trip cancellation benefit is promoted as giving refund if one can not take the trip due to sickness. What is not made clkeare is that, effectively, there is NO coverage in most cases. To wit : My reply from XXXX XXXX of XXXX XXXX says " any incident/event that occurred prior to the trip being booked are not covered ''. That makes NO COVERAGE the likely result of a claim. 

I feel that this is a SCAM. I would never have taken the card for this purpose has I known there was such a NARROW definition of coverage. I tried to read the " small print '' and did not pick up on this language. 

I submit that the promotion and method of dealing with claims results in false advertising, misleading advertising and scam. I would expect no less from CITI BANK but was not aware of this problem at the time. I believe that XXXX and XXXX XXXX are willfully bilking the public and request whatever powers you may have to stop this SCAM and reimburse me as advertised
Product: Debt collection

This account was opened by someone other than myself. It was also connected to a bank account that was opened in my name. The bank account was closed after I was notified of its existence. It has since been assigned to LVNV Funding from XXXX XXXX XXXX ( XXXX ). Neither have provided any proof that I am connected to this account nor have they provided any info that can help with finding the person responsible.
Product: Debt collection

XXXX XXXX XXXX XXXX, PA overcharged for rent and kept on increasing rent annually to a ridiculous amount that we could no longer afford. Then they charged us for late fees, including cable, TV, etc. there were tires out our back door and did not keep up with the neighbors constantly Harassing us. With there loud cars. They then turned over everything to Hunter Warfield, a collection agency out of XXXX Florida and has reported the amounts owed and inflated the price for the last three years. I am filing a lawsuit for harassment and dishonest fees, and collection tactics.
Product: Mortgage

I was inquiring about a loan modification. I called the bank and was told that wasn't a option. I then started the short sale process but seem to get the run around with the company that was servicing the mortgage for XXXX XXXX XXXX. So the house went into foreclosure and the bank never served me court papers for said court date. I only was made aware of this process while doing a court search myself. I was going through the paperwork filed to the courts and realized that XXXX XXXX XXXX filed fraudulent paperwork to obtain this foreclosure in the first place. I filed a motion to ask the court to look at this matter but they couldn't do anything to help. 

I have attached a copy of the filing that I submitted and page 6 through 10 are the paperwork that XXXX XXXX XXXX submitted to obtain the foreclosure in the first place. If you look that the motion you can see where they cut and pasted parts of the contract to help them obtain the foreclosure. The contract on page 8 ends with paragraph 11 and then on page 9 it starts with paragraph 18. They cut out 12 through 17 in the  contract.
Product: Checking or savings account

My complaint about the gangster behavior of the bank. 

XX/XX/year> blocked my personal account, that I use only to receive a pension and pay for renting an apartment. Citibank appropriated XXXX of my pensions ( pensions for 2 months ). As I understand it, neither the bank, nor any other organizations, under any circumstances, have the right to encroach on my pension. A pension is the money allocated by the state for my existence. Without these means, my existence is impossible! Therefore, an encroachment on my pension is tantamount to an encroachment on my life!!! 

I believe that any investigations is inappropriate here : Citibank should immediately return my pension for XXXX months in the amount of {$2100.00} plus {$50.00} compensation for the fine that the owner of the house imposed on me for the expired XXXX months of payment of the rent of the apartment. If Citibank has any claims to me, there for this is a legal field. 

I ask you to force Citibanc immediately unlock my personal account, or pay to me the amount of XXXX
Product: Credit reporting or other personal consumer reports

Failed to let me opt out after giving them both verbal, non verbal, written and un written per 15 usc 6802. Privacy act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

In a recent review of my consumer report I noticed an account ending in XXXX being reported by XXXX XXXX on my consumer report that is not mine. I do have 2 accounts with XXXX  XXXX that are mine and after speaking with a XXXX  XXXX agent by the name of XXXX, I was able to confirm that the account is not my account and that I should reach out to the consumer reporting agencies for the erroneous information, as this is a major violation of rights as a federally protected consumer. It is the responsibility of all consumer reporting agencies to report fair and accurate information in accordance with the 15 U.S. Code 1681e. Having an account that is not mine reporting on my consumer reports is definitely not fair nor accurate. Additionally, going forward, I am opting out of any and all reporting of the account ending in XXXX as it is my right to do so in accordance with 12 CFR 1016.1
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX they responded to my original complaint and they sent a letter to my credit reporting agency to have the inaccurate information they originally reported to be removed then I got a alert that in fact they did do that my score went up XXXX points! Now this morning I get another alert from experian that they went and re-reported the false information and again my score went down by over XXXX points I have all proof of every payment being made and they are showing as if my credit report is showing late payments for XXXX and XXXX and its just not true they have affected my ability to buy a vehicle and Im super upset they are predatory lending without question and they are false reporting information! They acted in front of you guys that they were doing the right thing then turned around a week later and re reported the false information and then my score just took another big dip I want this removed from all XXXX credit reports and I want this company penalized as they are purposely trying to destroy my credit as if this is a game to them Please help me get this fixed and fixed as soon as possible please!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this debt with the credit bureaus and directly with the collection agency via certified mail. At no time did I receive any documentation that legally verifies this debt. I have not even received correspondence from this company at all except for the original letter. From Experian I only received statements saying this debt was verified and then other statements saying that they will not reinvestigate this unless I have a letter from the creditor or courts. This is not legal! They can not just state something has been verified with absolutely no proof of it. This means that I can randomly choose any employ that works for Experian and state that they owe me {$20000.00} and send it over to a collection agency and no one will have to prove anything. Congress states that the only legal verification is the physical documentation that was filled out when this account was opened and this documentation was never sent to me. Congress further states that the buren of proof is on them and not me, so why am I being told that this has been verified with no proof and that I have to solve with the original creditor and the collection agency is giving me the same run around? Why is no one being forced to comply with the FCRA and FDCPA? Section 609 protects me against false reporting of the credit bureaus and this section mandates that the original paperwork that was filled out when this account was opened be sent to me bearing my signature! Changes to the laws last year make it so that the only items that can report on my credit file are the ones that I ever agreed to pay or owe a debt, so if no one can prove that I ever agreed to pay or owe it, then it must be deleted! 

I do NOT want a reply to this complaint from Experian stating that my name, address and SSN matches what the collection agency has - this is NOT legal proof and would not stand up in any court of law. If I take both Experian and the collection agency to court, what are they going to show the judge? They 're just going to say " I pinky swear he owes it? '' In addition, I 'm pretty certain that a company can not just state that the debt is mine, or else anyone can state that anyone owes them money. Where 's the proof and why ca n't this company produce it? I never stated it was identity theft, I never stated that it was n't mine. What I am stating is that I do not recall this debt and that I know my rights in regards to items reporting on my credit report : they must all be legally verified.
Product: Debt collection

TLRA CALLED ME TO MY PHONE NUMBER XXXX AND ATTEMPTED TO COLLECT A DEBT FROM ANOTHER PERSON. I TOLD THEM THIS PHONE NUMBER NOW BELONGS TO ME AND TO NOT CALL ME AGAIN. DESPITE MY REQUESTS, THEY CONTINUE TO CALL AND TEXT ME WITH THEIR AUTOMATED VOICE / COMPUTER VOICE. THIS IS A FDCPA AND TCPA VIOLATION. IT IS ALSO A VIOLATION OF THE TFC SECTION 392. I AM A XXXX RESIDENT.
Product: Credit reporting or other personal consumer reports

I have already demanded to have these accounts removed immediately. I also requested proof that it was mine with my signature on it and address. They only send me a letter that says verified but no proof as to how and what was used to be verified as I have already filed a police report and sent it to them. All docs requested has been been sent to and received by Transunion, XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Transunion refuses to delete the inaccurate accounts on my credit report which is causing severe damage to me
Product: Checking or savings account

Huntington National bank will not allow me to access money on my debit card on XX/XX/22. When used in the store, my card is being denied. I could not take my money out of the ATM.