23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I continously receive mail related to a mortgage payment from Ditech- a mortgage servicer. In XXXX I received a XXXX to XXXX after Ditech dismissed the foreclosure case because of forged signatures and the wrong loan amount. 

I received a " XXXX of XXXX of XXXX XXXX XXXX ''. This came from XXXX XXXX, the admitted owner of the note. I only have XXXX mortgage. 

Ditech continues to attempt to collect on a mortgage when I, the property owner received a release of deed of trust because Ditech admitted in court that the title company forged my signatures.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you check the documents? Several listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX, Subject : Dispute of Fraudulent Inquiries on My Credit Report I am writing to formally dispute several unauthorized inquiries appearing on my credit report. I am a victim of identity theft, as documented in the attached FTC Identity Theft Reports ( Report Numbers XXXX and XXXX ). I request the immediate investigation and removal of the fraudulent inquiries detailed below.
Product: Credit card or prepaid card

Received a call from Amazon regarding a charge of over {$1000.00} on my account. 
They tried to say that I had. Personal account as well as a business account, which I do not. They tried to tell me that customs found drugs with this order. The case number for this was XXXX. The phone number they called from XXXX. No pertinent information was given. Hung up.
Product: Mortgage

Firstly, Roundpoint servicing did not pay my insurance, after several months of confusion and ineptitude, and things simply NOT getting done and trying to sort it our, they finally paid it XX/XX/2024 ( it was due XX/XX/2024 ). Then, I receive a notice from my insurance broker today, XX/XX/2024, that the insurance was still not paid!! I called Roundpoint who then said that the insurance check was returned in XXXX. They did not notify me when my insurance payment was returned!! My loan was trasfered to XXXX XXXX XXXX  in XX/XX/2024, they had no knowledge that my insurance was not paid. Roundpoint then explained that the returned insurance payment was wired to XXXX on XX/XX/XXXX, again... NO ONE informed me of this, this is an {$8400.00} Insurance payment, my {$8400.00} is just floating around, no one has informed me and meanwhile, my insurance has not been paid!!! It's 11 months into the year!! 

XXXX receives the wire from Roundpoint and doesn't ask what it is for, not do they contact me and inquire why Roundpoint has sent them {$8400.00} two months AFTER the account transferred and my monthly payment also goes up by almost {$400.00} and no one can explain sufficiently to me why. These companies are a MESS and this is my MONEY!! And these companies should be more responsible and easier to work with. They provide inaccurate information and often don't seem to know how to explain things. Additionally, when I asked Roundpoint for written evidence of the returned check and written proof that they had wired it to XXXX, they said, " no, they can not provide written evidence ''. Again, I am now 11 months late on my insurance payment due to the incompetency at Roundpoint, and it's messed up my escrow account at XXXX and I am currently paying {$400.00} more per month as a result, this is money and its causing some financial issues for me and it's unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX continues to lie and take responsibility at the same time. I recorded a face to face meeting with XXXX XXXX XXXX and in this legally acceptable recording, they clearly reject and deny what XXXX continously attempts to project too me through their own responses. Which is blatantly false, filled with lies and misinformation by XXXX. The recording states that XXXX  has provided no such approvals to XXXX XXXX XXXX. In fact in this recording they agreed based on their own personal inspections of my multiple issues the following : they agreed the jobs were not done legally or properly thus not a complete or proper job ( s ) were done. Illegal. Out of code issues. etc. No permits. And damages caused by such. No emails that i have sent for months now have been replied to by XXXX, as well as my documented call logs etc ignored. The only time XXXX  has responded too me is through XXXX or the federal complaint I filed previously, that can be observed through this attached document. XXXX has continuously lost in court in regards to this XXXX  and XXXX  contract they approved and accepted. Their denial of any responsibilities and at the same time in these response complaints they also allegedly take responsibility by allegedly making efforts. However in filing responses too my fed complaints they signed off on not lying and being truthful. Clearly they lied about XXXX XXXX XXXX  and fixing the multitudes of issues I'm being forced to pay for that were not completed or even done legally.. As can be annotated by the attached letter from XXXX and my recording of XXXX XXXX XXXX showing XXXX XXXX XXXX the letter XXXX wrote previously to my federal complaints. 

I can upload the face to face recording if requested.
Product: Checking or savings account

XXXX of our checks was stolen from the XXXX by a Bank of America XXXX. Then it was modified using white out putting their name as the payee. Bank of America supposedly caught that and did not let their customer have the funds, but they did withdraw it from our bank account and are now holding it. Theyve held it for over XXXX months and will not tell us when theyre going to reverse it or redeposit it back to our account. We have a copy of the fraudulently changed check as do they. Their fraud department refuses to give us any updates. The amount is {$23000.00} fraudulently showing XXXX XXXX XXXX XXXX in XXXX Louisiana dated XX/XX/2022. How can we get your help on this? Thank you.
Product: Prepaid card

I did a trial of premium services with XXXX. I cancelled the service on XX/XX/23. XXXX proceeded to charge me the minute I had enough money in my account which was a credit. I called Bluebird and explained the situation. They said they would investigate the situation and issue credit in 10 days of the dispute of the charge. After the 10 days Bluebird did not issue credit and would not provide a reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two certified letters to two different creditors with a 30 day time frame for each letter disputing the negative remarks showing I owe monies to these companies on my credit report and got no response. I also sent a certified letter to the three credit bureaus with no response as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   financed a car I purchased from   XXXX    located at   XXXX   XXXX   XXXX  . I was under   XXXX   XXXX   when the   XXXX   XXXX   I had was totaled. The case number was  XXXX , I was discharged in  XXXX . The Trustee was   XXXX   XXXX   XXXX   Chapter  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  TN  XXXX . Attorney   XXXX   XXXX   mishandled my case terribly. He filed the law sue that I filed in  XXXX , as workman 's compensation.   XXXX   XXXX   brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car.   XXXX   XXXX   posed as a paralegal and had access to my records.  XXXX  attorney was   XXXX   XXXX   XXXX   (  XXXX  ) &   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , TN  XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in  XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the   XXXX   XXXX   XXXX   XXXX  as  XXXX . I was laid off of my job on  XX/XX/XXXX , payments continued to be payroll deducted until   XXXX    when I was discharged. My insurance was with   XXXX   XXXX   XXXX  . I purchased a warranty with the  XXXX . The warranty was stole by   XXXX   XXXX   and   XXXX   XXXX   to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with   XXXX   XXXX   XXXX  .
Product: Credit card or prepaid card

On XX/XX/22 Synchrony Bank sent a letter via email stating they were closing my Care Credit account although it was in good standing. Upon reviewing my credit report on XX/XX/22 Synchrony Bank performed an unauthorized hard inquiry with XXXX. There's no proof I initiated such inquiry, no written authorization, and they failed to provide any permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reportedly verified a Bankruptcy file date on XX/XX/2018. By law, I have the right to request and receive the following information regarding how that information was verified. If that information from the XX/XX/2018 investigation is not received, Experian is in clear violation of FCRA laws and the item must be deleted. ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. The CRAs must respond to my request within 15 days and provide the information.
Product: Mortgage

in 2016 we paid over {$20000.00} in our escrow account for taxes and insurance. Ocwen Bank misappropriated these funds and gave us a {$6000.00} refund. However the taxes and insurance for that year came to {$4500.00}. Thi8s leaves {$9500.00} unaccounted for. I have tried to clear this up with them via telephone and they seem to not know what happened to the {$9500.00}. I have all the paperwork that  supports my accusation of misappropriated funds. The {$9500.00} was not applied to our principal it just disappeared. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score and complete credit history was deleted overnight. All of my active accounts have been deleted. I summited a complaint through experian and received an email saying that ... Experian does not have enough information in your credit report for FICO to calculate a score No activity has been reported to the bureau within the past six months ( not including disputed information ) Your credit report has over XXXX accounts on it A creditor has reported you as deceased None of these 4 reasons are true to my case. There is no reason my fico score should have been erased. 

Also experian refuses to correct my birthday even after I sent them a photocopy of my driver 's license and social security card. My correct year of birth is XXXX and not XXXX.
Product: Student loan

Navient keeps reporting to the credit bureaus that I 'm 120 days late which is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX, XXXX, and XXXX all Violated the law by Dual tracking my loan while I was trying to work on a loan modification. They foreclosed while I was disputing the misapplied payments lost payments and money put in suspense. XXXX XXXX XXXX XXXX XXXX XXXX with EVERY SERvicer in violation of the LAW
Product: Debt collection

Alleged payday loan that I took out at an undisclosed date. XXXX XXXX is the alleged debt collection agency that " CHECKINTOCASH '' ( https : //checkintocash.com/ ) sold my account to.

When I look up their phone number online, it comes up as a reported payday loan scam. There is also nothing on XXXX that comes up about XXXX XXXX. 

They have a 10 year old address on file and did not call ME, but my old roommate. And left a voicemail saying they were going to garnish wages. I asked to please have formal mail correspondence sent to my current address for review and they refused and offered to email it to me only. They are rude and cut me off and don't let me ask questions, just how I wanted to resolve the debt. 

I do not trust that this is a legitimate debt. I called Checkin To Cash and they have no records of this. It is also not on any of my 3 credit reports.

Please help me validate the scam.

Thank you
Product: Checking or savings account

On XX/XX/23 I received a text from what I thought was USAA. It asked me if I had authorized a XXXX payment of {$1000.00}, type yes or no. I typed no and someone responded back and then called me. Because the phone number was spoofed, I believed it was USAA and gave them account information. During the span of an hour, this person went into my account and removed {$810.00} from my checking and {$100.00} from my savings, using a new person to send money to using XXXX. Once I found out what happened, I immediately called the real USAA and filed a claim that none of the many XXXX transactions were authorized. I haven't heard a word from USAA about the fraud or the claim, I call them every other day for a status. XXXX USAA associate said when I told them that I have bills that will hit my account " Can you ask someone to borrow the money so that it's not insufficient? '' On another phone call an USAA associate just said, " They have until 10 days to do their research, you'll just have to wait '' and didn't give me any status. On the phone today XX/XX/23, the USAA associate said that in my account no fraud was found and no money will be reimbursed. I told them that my account was taken over and none of these 20+ transactions were authorized, I sent them screen shots and that they need to reopen the case. I don't know when I will get the {$810.00} for my checking and the {$100.00} from my checking. Bills have been returned XXXX  because of not having any money in my account so I am in arrears with my loans
Product: Credit reporting, credit repair services, or other personal consumer reports

AS shown in the attached photos, an account was deleted because it could not be VALIDATED! WAKEFIELD & ASSOCIATES had put the account back on my credit report under another corporation name ( REVENUE RECOVERY ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( WAKEFIELD & ASSOCIATES ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSOXX/XX/XXXXIS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!! THEY ARE IN VIOLATION OF 15 U.S.CODE 1692B AND 15 U.S.CODE 1692G
Product: Credit reporting, credit repair services, or other personal consumer reports

My father opened an account with XXXX and added me as an authorized user. He passed away XX/XX/21. Ive tried getting them to remove this account from reporting on my credit as it is affecting my score. They will not remove it.
Product: Credit reporting or other personal consumer reports

As per the law when a charged off is reported its considered as certificate of indebtedness, which is consider income and should not be reported on one 's personal credit report. 
XXXX Affiliate marketing opt-out and exceptions. 

as per 15usc 6802-6805 obligations with respect to disclosure of personal information, XXXX XXXX bank is in violation of this very code. 
I also have a right to opt out and wasn't aware of any disclosure from this company. 

XXXX XXXX is also in violation of the Privacy act of 1974. 
this was sold to a 3rd party debt collector, violating its own agreement therefore this should be removed from my personal credit report.

Also, 15USC 1681 ( f ) Prohibits and person from using or uptaining a consumer report unless, the consumer report is obtained for purpose for which the consumer report is authorized to be furnished.

See attched credit report for inaccuracies on all 3 reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes through XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I filed another claim on XX/XX/XXXX through XXXX XXXX but it was canceled against my will. Those claims were all verified as received by Transunion when I called multiple times. I filed another claim directly through Transunion XX/XX/XXXX. All of my claims were rejected. I have called Transunion numerous times, and when I speak to a representative every time they have told me that because I have no proof of the loan being paid off they won't close it. I was even told by a representative that it will automatically drop off after 6 months and that at that point I can resubmit another claim. I have called the creditor directly and they said there is no way to send a payoff confirmation and information is automatically sent to the creditors. My account with XXXX was updated almost immediately, I don't know why Transunion refuses to update my information even after paying off my loan 9 months ago. My credit has been effected by this, and there is absolutely nothing I can do myself to fix the situation. Transunion refuses to work with me, and even gave me an attitude and hung up the last conversation I had with them.
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 XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Caller ID cash net phone # XXXX XXXX XXXX called on XX/XX/19 @ XXXX XXXX. I have never had a dealing with a company by this name. They have called in the past. I do not answer calls from people or businesses that I do not know or do business with. I receive many calls daily, most of which I do not answer because I do not know who is calling. The only possibility I can think of as to why this company called is that it relates to my son XXXX XXXX XXXX who has not lived at this address for 18 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 a transfer for XXXX was executed from my td bank acc. Thru XXXX the app. When i got aware of it i contacted customer service and informed them about the situation. They took all the inf. And told me that they were going to transfer my call the the fraud department and after 1 hour the call got hang off. This was on XX/XX/XXXX. I called the next day and explained the operator what had happened and he told me that he saw the notes and that by monday XX/XX/XXXX the money should be in the account. Today wednesday XX/XX/XXXX i called again to td bank and they transfer me to the fraud department and now they are telling me that they concluded that the transaction was made from my phone and they cant do nothing about it. Now im a 100 % sure i didnt sent the money. I dont know the person the money was sent to. Even know the person has the same last name i dont have a family or relative named like that. They know where the money went. They can contact that institution and make the person receiving the money responsable for the scam but td bank decided to turn their back. The amount was XXXX dollars. I dont understand how in this era banks are not able to stop scams like this. For me it will be easy to the bank to identify the recipient of the money because for anyone who has a XXXX account you need a bank acc. You need to submit your mame and social security so i think that for any bank will be easy to stop this type of scams and make people responsible for their crimes.i dont make td bank responsible for this but i think that they should give more protection to their customers and make companies like XXXX be more helpful against frauds