23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In an attempt to improve my credit score, I am paying down and off all my credit cards. Discover is my oldest credit card with the largest available balance. I paid it off and haven't used it in about two years, but I had intended to keep it. WIthout a warning, I received an email from Discover on XX/XX/2019 saying my card was closed by them for lack of use. I called today XX/XX/2019 ( due to the holiday ) and spoke to XXXX at XXXX who said it is too late. I would have to reapply. I explained what I am trying to do and he said there was nothing he could do about it. I find this truly unfair as if they had warned me first, I would have used it. This is going to ding my credit score ... ..why is it that the people who attempt to improve their scores get punished? I am hoping you can help me to get that specific account reopened and I promise to use it if I must. Please advise.
Product: Mortgage

Several months ago my wife and I researched refinancing our home in XXXX XXXX, we chose Freedom Mortgage. After several months, and to date ( XXXX XXXX 2015 ) we have not had the closing, but received a letter in the mail from XXXX XXXX on XXXX XXXX 2015 that : " The servicing of your mortgage loan has been transferred from XXXX XXXX XXXX XXXX to Freedom Mortgage Corporation effective XXXX XXXX, 2015 '', etc. 
The letter gives the address to submit payments : Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX with the first payment due on XXXX XXXX 2015. 
I made the payment to Freedom Mortgage account number XXXX, and now Freedom Mortgage is sending us another Good Faith Estimate with a completely different interest rate, mortgage payment, etc ... 
I was contacted by a XXXX XXXX, Mortgage Processor On behalf of Freedom Mortgage. XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXOffice : XXXX ext. XXXX Fax : XXXXEmail : XXXXXXXXXXXX. 
by telephone and e-mail. I replied to XXXX XXXX about the situation and my concerns about the original mortgage loan and informed XXXX that I have already started payments on the mortgage XXXX XXXX 2015. 
Today, XXXX XXXX 2015, XXXX replied back for me to provide her the loan number so she can look into this. 
I am afraid that this may be a scam or a fraudulent transaction, as that XXXX can not locate my mortgage loan number by my name, and that Freedom Mortgage has sent another Good Faith Estimate with different interest rates, etc., trying to fraud me and my family out of my hard earn military retirement / XXXX veteran XXXX XXXX. 

Which part of the mortgage process is your issue related to? ( 1 ) No closing occurred with official signatures, ( 2 ) per Freedom Mortgage letter dated XXXX XXXX 2015 to start payments on XXXX XXXX 2015.
Product: Credit reporting

Both Transunion and XXXX report my name as XXXX XXXX XXXX. 
I was born XXXX XXXX. I have NEVER had a middle initial.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX XXXX account # XXXX I have did a very good investigation on my credit report. My identity was stolen years ago. This is not my account I have hired an attorney for a lawsuit on all credit bureaus on my XXXX  none of these accounts on there. I need this removed from my credit report ASAP. 

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 XXXX XXXX XXXX and XXXX has 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 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 informations inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am aware that Midland Credit Management has violated my federally protected consumer rights which has caused me anxiety, mental anguish, defamation of character and my reputation. I received a letter in the mail from Midland Credit Management stating that I owed a debt of {$610.00}. Pursuant to 15 USC 1692b ( 2 ), a debt collector can not state that such consumer owes any debt. A debt collector pursuant to 15 USC 1692a ( 6 ), means any person who uses any instrumentality of interstate commerce or the mails in any business the. principal purse. of which is the collection of any debt, or who regularly collects, or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Pursuant to 15 USC 1692c, I never gave Midland Credit Management prior consent to communicate with me regarding any alleged debt. Pursuant to 15 USC 1692a ( 7 ), I never gave Midland Credit Management the authorization to obtain my location information which lets me know that pursuant to 18 USC 1028, Midland Credit Company possessed an authentication feature with the intent such authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used which constitutes to fraud pursuant to 18 USC 1028A . Pursuant to 15 USC 1611, Midland Credit Management is criminally liable for willfully and knowingly giving false and inaccurate information to me regarding the alleged debt. Pursuant to 15 USC 1692e ( 2 ) ( a ), Midland Credit Management gave a false representation of the amount that they say I allegedly owe.
Product: Checking or savings account

transaction id # XXXX {$110.00} XXXX XXXX sphero toy ) was apart of a larger order totaling {$310.00} payment method chosen was " pay after delivery ''. a few days later {$110.00} was debited from my XXXX checking account. this is the XXXX time paypal changed the payment method i choose after the purchase was completed and money came out of my account without notice, warning, or option to choose another payment method. I INSIST PAYPAL REIMBURSES ME {$110.00}. PAYPAL is in error not me. Paypal has no right to take money out of my account without my consent and i will take this further if neccessary.- ftc complaint filed
Product: Mortgage

Ocwen, during the mortgage modification process ocwen has repeatedly asked for the same details over and over again. It appears they have no ability to secure and understand all the documents I have submitted several times. Each time they call me with the same question they then reschedule a follow up call several weeks later. The matter at hand is dire and the incompetence of Ocwen is preventing the modification process from moving forward at a reasonable pace to allow me an opportunity to save this property that is my home. I feel they are intentionally slow walking this so I am forced into foreclosure because no one can be this incompetent to as XXXX time the same exact question thus my only conclusion is they are dealing with me in a fraudulent manner.
Product: Checking or savings account

I have disputed these charges because they were fraudulent when I lost my wallet and phone which had all of my financial information in them. Charges were made fraudulent and I explained in detail what happened and how the card was not in my possession at the time. I was still denied my dispute.
Product: Vehicle loan or lease

Despite my better effort to clear up the matter with the dealership XXXX XXXX XXXX and finance person involved XXXX XXXX XXXX XXXX XXXX stuck me to XXXX XXXX based on fraudulent terms and told me that the only way that I would be financed was if I purchased their exorbitant gap insurance. Commuting out right fraud they would not let. Me open a checking account at thier own bank which made zero sense to me Even after I made several complaints and went into the branch myself to clear up the matter insistence theres no place for me to have a checking account. I told him I simply didnt have the time or the money to wire it to them every time and it made paying my car bill extremely difficult since I couldnt get an app with new checking account or any account numbers from now on how to pay it I spent hours on hours on the phone and felt like I was forced into financial distress with them in order to create some sort of scam the phone with insurance. Which brings us to today and the incredibly horrific time Ive had blocking information on all three credit companies which puts them in violation of FCRA rules when it comes to fraud I am also entitled to damages if you can show that the CRA or other entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), and attorneys ' fees and costs. ( 15 U.S.C. 1681o ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  MUST NOW REMOVE ALL BARRIERS TO MY CREDIT REPORTS, CONSUMER REPORTS AND MONITORING. THERE S KNOW NEED FOR CONSUMER AFFAIRS TO AUDIT MY LIFE ANYMORE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out the form on XXXX once for the past two days, XXXX and Transunion have not provided my credit report, citing " a condition exists '', and " we are experiencing technical difficulties '', respectively. XXXX worked just fine. No further details that I can use to troubleshoot the issue are shown.
Product: Checking or savings account

On or around XX/XX/ I opened and account with Regions Bank for the company XXXX XXXX XXXX XXXX XXXX ( I, XXXX XXXX XXXX, am the president of XXXX XXXX. On that date I deposited only {$1000.00} dollars. 
On the date indicated the Bank sent me a Debit Card. I do not remember if I received that Debit Card or not. I never remember or wrote down the PIN. 
On XX/XX/ the card was activated. I did not activate the card. Regions does not have security steps to activate a debit card. Somebody may have my name and my SS and call and activate the card. The problem that Regions lacks one important step in the activation process. They do NOT sent a request to enter a PIN to activate card ( others banks do this like XXXX XXXX, etc. ) Then Regions allowed to change the PIN or use the one that I have created at the time of opening the checking account. 
Please remember that I did not wrote or even remember the PIN I created when I first open the Checking Account. 
Notice that the first fraud activity was XX/XX/ and the Bank never took action to cancel a card that was sent in XXXX. same year. How come they keep as valid a card for more than 5 months?. 
Next, once the charges started on XXXX Regions does not have any security like : 1. Informing me that there was too much activity on a card that has never been used before.2. Regions even allow large purchases to go in without stopping them, for example, XXXX XXXX # XXXX, 3 purchase for {$500.00}, {$1000.00}, {$2500.00} same day same time on XX/XX/. 
Region fail in stopping these transactions ( see statement ). 
I believe that the bank failed in his security too many times and therefore they are liable for the charges incurred into my checking account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Credit card

Somebody tried to get a Barclays carnival MasterCard in my name opened on XX/XX/2024. Got a hard inquiry on my XXXX credit report. Received a letter in the mail on XX/XX/2024 requesting my driver 's license # my social security # and a current utility bill with my name. Barclays XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account number XXXX ( XXXX ) has 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXXAccount number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously made a complaint to the CFPB onXX/XX/XXXX against Ditech Financial LLC f/n/a XXXX XXXX XXXX which is same company with different name. What they did before reporting information to the CFPB was change my credit reports which I reported XXXX  where they had me in repossession as of XX/XX/XXXXtoXX/XX/XXXX and it was also on my XXXX   report. I never made a payment inXX/XX/XXXX because the monthly billing statment said I was past due with billing for XX/XX/XXXX and for for XX/XX/XXXX, which I never received was double the amount that they provided to the CFPB which showed a past due amount bill XX/XX/XXXXwhen my payment wasn't due til the XXXX  per my promissory note, because they were relentless in harrassing me on a daily basis. I disputed the information with XXXX on XX/XX/XXXX and with XXXX which I believe was on the same day which Ditech Financial Refused to change. On my XXXX report it shows last payment on XX/XX/XXXX but under payments it shows I made a payment inXX/XX/XXXX. On XXXX it shows Date of 1st DeliquencyXX/XX/XXXX and Date Maj Del. 1st Rptd on XX/XX/XXXXso they are trying to keep this on my report for 8 years. Does Ditech Financial LLC not understand the law that it starts from the first on XXXX it shows XX/XX/XXXX being paid. In XX/XX/XXXX, Ditech Financial sent me a set of spreadsheet and IRS documents. I just found all my paperwork. Since the CFPB does nothing but collect documents and take the word of creditor and close the complaint without question, I am contacting the FBI Crime Fraud Unit which will investigate with IRS as you call charge offs. Your spreadsheets don't match up with my all of my paperwork which means you have been defrauding the government and writing off more than you should be which includes other people. Aren't you aware of the law that once a property is foreclosed on and becomes the property of XXXX XXXX etc., and the time starts from the 1st delinquency and comes off after 7 years from that date. Also, when the property was put in different name through XXXX, the notary on my assignment through XXXX XXXX XXXX in Florida was a fraudulent signature. I got a copy of the notary signature through the state of Florida for XXXX XXXX, MA, and they don't match. So I will be reporting this to the appropriate government entity in Florida against XXXX XXXX. If the FBI won't investigate it, I'm going to a t.v. station in XXXX XXXX, Ca. Maybe I'll see you in court or maybe not. I was sick of Green Tree Servicing and now I'm sick of Ditech Financial with all your lies. I would like to know why my whole credit report changed when Ditech Financial took over which I have proof of. I'm not going to provide the documents because you already have them. I will have every person you made a loan to and/or servicing requesting every document on their loan through Ditech Financial LLC, and I'll make sure they don't get the run around like you gave me last year and you never gave me any of the documents I requested last year.
Product: Mortgage

We closed on the sale of our house in XX/XX/2020. During the closing process, there was miscommunication between our mortgage holder and the title companies involved. Our mortgage company paid the winter taxes in full before we closed ( which they were not supposed to do ) we then got charged the prorated amount at closing, resulting in the winter taxes being double paid. The refunded amount went to our buyers mortgage company and was placed in their escrow account when it should have come to us. We had a split closing, and the 2 titles companies ( XXXX XXXX XXXX XXXX XXXX XXXX ) involved talked and came to an agreement that we were due a refund of {$1900.00}. Our buyers mortgage ( Highlands Residential Mortgage Ltd from XXXX, TX ) company refuses to send us the money that is rightfully ours. I will attach an email chain that details this in fully.
Product: Credit card or prepaid card

I received promotional materials to open a new credit account with 0 % interest for 18 months with Citi Bank. I accepted the offer and new credit account was opened. Upon using the card I noticed that I was charged interest. I contacted Citi Bank who said that the promotional rate only applied to balance transfers and they refused to honor the introductory promotional APR of 0 % for 18months. They refused to issue a credit for the interest they charged contrary to their promise of 0 % APR for 18 months. This was not clear and amounts abusive and deceptive marketing practices.
Product: Checking or savings account

XXXX XXXX XXXX On XXXX XXXX  I have seen that my account was fraudulently compromised. I had XXXX  in my account on that date. At a later time I have seen that all my money was stolen out of my account. I contacted my bank Chime to let them know I did not cause this. They assured they will see about this issue. When I put in a dispute and two days later they made a decision to deny my claim to refund me my money. They say that is not an error and that the charges was sufficient. I told them that the location of the charges was two hours away from where I live. I never went that far because I just moved from XXXX XXXX to XXXX XXXX. I made phone calls on numerous days and even spoke to management and no one wanted to help. I even turned in a police report and identify theft report and they still denied my claim to refund me my money that was taken from me. This is so horrible because FDIC is to protect me when my money was stolen and the bank is refusing. How can they investigate this in two days. They dont care and it has caused me a lot of financial burdens because that was my way to pay my bills and feed my children. They brushed me off when I stated this. I tried to resolving this but they wont help. I had to wait to get my identification updated because in XXXX  XXXX  you have to schedule an appointment. So they would not let file a report for a dispute until I showed my new identification. This is so unprofessional because i was not able to file the dispute until XX/XX/XXXX which is when I got my new identification.
Product: Mortgage

My mortgage servicer SPS Select Portfolio Servicing is illegally charging me late fees, overcharging me for escrow ( taxes and insurance ) and is claiming now I am over {$55000.00} negative in my escrow account. This can not be possible. I have paid for the last 5 years since they took over, my principal, interest and more than my taxes and insurance. These criminals send me a different statement every few months changing my payment by several thousand dollars. They send me microfiche in 6 pt  hard to read with glasses an account summary that is not understandable. I can not be more than say 6 months back due to escrow as they pay the property taxes each 6 months not annually. I do not owe for any back property taxes or insurance for 2 years worth, thats proposterous and there was no hidden funds I owe to prior lender. My mortgage was modified into one payment for all the late taxes. Then SPS takes over, They charge me late fees if I do not make there made up full payment. I can document all of this. When I called and complained to 3 different managers in XX/XX/2018 they miraculously said okay we will lower your payment {$1200.00} but still are off by {$1200.00} a month. I have attached proof. No ones escrow moves {$2000.00} a month up or down, its ridiculous.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding a recent incident in which they conducted an unauthorized hard inquiry on my credit report. Despite my repeated attempts to resolve this issue with XXXX XXXX XXXX directly, the matter remains unresolved, and I seek your assistance in addressing this violation of my consumer rights. 

The unauthorized hard inquiry in question was made by XXXX XXXX XXXX for an auto loan, a credit application that I have never initiated. This inquiry appeared on my credit report without my knowledge or consent, causing undue harm to my credit profile and raising concerns about potential fraudulent activities. 

The details necessary for this dispute are as follows : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX - Date of Birth : XX/XX/2001 - Phone Number : ( XXXX ) XXXX I first became aware of this unauthorized hard inquiry when I reviewed my credit report, and upon contacting XXXX XXXX XXXX to inquire about it, I was met with an unsatisfactory response. Their claim that it was related to an auto loan application I never made is not only false but also deeply concerning. I have not applied for any auto loans within the past year or authorized XXXX XXXX XXXX to access my credit report for any such purpose. 

I am deeply troubled by this violation of my consumer rights, as well as the potential consequences it may have on my credit score and financial well-being. I kindly request that the CFPB investigate this matter promptly and take necessary actions to ensure that XXXX XXXX XXXX rectifies this situation by removing the unauthorized hard inquiry from my credit report. 

Furthermore, I am seeking a comprehensive response from XXXX XXXX XXXX outlining the results of the investigation and the actions taken to rectify the situation. Additionally, I request that the CFPB take appropriate measures to hold XXXX XXXX XXXX accountable for their actions. 

I appreciate your immediate attention to this matter and your assistance in resolving this issue. Please inform me of any actions or responses received from XXXX XXXX XXXX. I can be reached at the phone number provided above to discuss any additional details related to this complaint. 

Thank you for your efforts in protecting consumers ' rights and ensuring fair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}