23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home is currently in foreclosure and scheduled to be auctioned on XX/XX/2023. I mailed a cease and desist, and a RESPA Request to Flagstar Bank on XX/XX/2023 and it was signed and received by XXXX XXXX on XX/XX/2023. I also mailed a cease and desist, and a debt validation letter to XXXX XXXX XXXX XXXX XXXX XXXX ; this is the law firm that allegedly XXXX XXXX XXXX XXXX has hired to process the foreclosure. I have yet to receive anything from XXXX or XXXX XXXX providing evidence of debt validation. Please be advised that as of today Flagstar Bank and XXXX XXXX XXXX has failed to cease and desist all communications and collections regarding this consumer credit transaction. I have not received all of the documents listed in my RESPA Request ( please see attached ). On XX/XX/2023, I mailed a Mortgage Discharge Letter to Flagstar Bank and XXXX XXXX XXXX stating that I am open to relinquishing the property to either of these businesses in return for the money that I have paid, which is the amount on my promissory note and any upgrades that I have had done. In the midst of this, I have found out that Flagstar Bank is not a registered entity in the state of Georgia, nor do they have a local registered agent. I did receive a copy of the closing documents. Upon review of the closing documents that Flagstar Bank mailed to me, it came to my attention that FRAUD has been committed. I received a copy of the promissory note and not the original. Promissory Notes are N3 documents and considered legal tender and any copy of this note is counterfeit. There are multiple signatures on my closing documents from individuals whom were not present at closing, and there is also a notary signature and seal of a notary that was not present. I did not receive the proper disclosures on the day of closing nor anytime afterwards. Please be advised that Flagstar Bank and XXXX XXXX XXXX XXXX are attempting to steal my primary dwelling and severely impact not only my livelihood, but my XXXX dependents. They are infringing upon my constitutional rights as a natural person and they are attempting to prevent me from having safe and private housing in the midst of a housing crisis. I have constantly and consistently been harassed from many people via texts, emails, phone calls, and strangers coming by my home regarding this matter due to Flagstar and XXXX XXXX posting my private information online.
Product: Checking or savings account

Hi, I need to submit 2 merchant dispute for merchandise not received... 
I tried to reach the merchant several times but they never provided a respond, the last email was sent on XX/XX/XXXX. 

Card ending in XXXX XXXX ) XX/XX/XXXX, XXXX XXXX {$900.00} XXXX ) XX/XX/XXXX, XXXX XXXX {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX, must be delivered on XX/XX/XXXX or before that date. 
I tried to reach the bank but the customer service close early, I can't call on operations hours.
Product: Mortgage

LoanCare Complaint XX/XX/XXXX I. LoanCare sends request for additional documents to support Loss Mitigation Assistance : Unemployment benefit award letter OR 60 days recent consecutive bank statements showing unemployment income deposit Dated XX/XX/XXXX ( received XXXX XXXX, XXXX ) BY XX/XX/XXXX Responded by email with Award Letter to email address located on request letter on XX/XX/XXXX. 



XXXX. LoanCare sends request for additional documents to support Loss Mitigation Assistance Unemployment benefit award letter AND 60 days recent XXXX bank statements all pages even if blank Dated XX/XX/XXXX ( receive XX/XX/XXXX ) BY XX/XX/XXXX Responded by email with both Award Letter and bank stmts email address located on request letter on XX/XX/XXXX. 

XXXX. Received letter dated XXXX XXXX, XXXX stating my home was in FORECLOSURE XXXX calendar days before a scheduled FORECLOSURE SALE and my application for assistance was incomplete. Called day after receiving letter on XXXX, XXXX and verified Application IS COMPLETE and foreclosure stopped. 

IV. Received XXXX XXXX XX/XX/XXXX ( received XX/XX/XXXX ) stating application complete and LoanCare must deny or submit a written offer for foreclosure prevention alternative within 30 calendar days after XX/XX/XXXX. 
As of XX/XX/XXXX have received neither a denial or foreclosure prevention offer. 

V. Received Letter Dated XXXX XXXX, XXXX ( received XX/XX/XXXX ) Stating my Mitigation Assistance is pending Missing Third Party Documentation, and no action is required by me ( the Borrower ). 

VI. Investigated the status of financial assistance ( supporting missing payment during forbearance periods ) provided by XXXX XXXX XXXX program and found that it is stalled due to : Awaiting Mortgage Servicer Information LoanCare is not responding to requests to State Assistance organization provide funds to pay LoanCare? Is LoanCare proceding with foreclosure to try and strip me of the equity of my home I have been procuring for the last 20 years of paying my mortgage, only to lose it to a bank involved with my loan for less than 3 years? It seems that LoanCare is running out the clock on my time. Without a single point of contact, which LoanCare has offered but in reality will not allow me to contact, I am at a loss for who to talk to at LoanCare. Every time I call I get a different status reported on my account with a different ( well trained ) representative. 


XXXX. 
Additionally, LoanCare has sent an attached notice Dated XX/XX/XXXX ( received XXXX XXXX ). Only recorded one call where my payment for this demand was refused by the XXXX XXXX, XXXX. 

I have also requested a copy of the Promissory Note, containing my signature and contractual obligation of both parties, without response. 

I am also restricted ( and hence discriminated against ) from using the online services to organize and handle communication, payment, documentation needs, enjoyed by every other borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT XXXX : XXXXXXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Santander The information on my credit shows 3 different amounts being reported as well as different dates listed that the account was paid on. one report shows the balance being owed as {$20000.00} and then it shows as {$19000.00} I can't owe both of those amounts. It's also showing that the dates reported were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

this information is inaccurate and inconsistent across the board and according to 15 U.S Code 1681e ( B ) needs to be removed.
Product: Debt collection

I received an alert from XXXX  that there had been a change to my credit file. When I checked my latest report, I had a collection from " Security Credit Services '' for {$1000.00} with the original creditor listed as " XXXX. '' I DO NOT have an account with " XXXX  '' and I have received NO communication from " Security Credit Services '' regarding any unpaid debts! My credit score dropped 104 points and I am EXTREMELY upset!
Product: Debt collection

Southwest Credit Systems I has illegally re-aged the " Date First Reported/Date First Delinquency '' for an unpaid cable bill from XX/XX/XXXX. They have showed multiple different Dates of First Delinquency. This account was closed in XXXX XXXX and I have not had any communication with XXXX or Southwest since XXXX XXXX. I have attached a copy of my XXXX Credit Report which shows the Date of 1st Delinquency in XXXX. I have also attached a copy of my XXXX report which states " This account is scheduled to continue on record until XXXX XXXX. ''
Product: Mortgage

PennyMac Loan Service has the mortgage on my VA Home Loan. I applied for a VA refinance loan on my home ( at the VA rate reduction refinance loan ). It has been over 42 days from date since I had submitted my VA Home Loan refinance application. 

PennyMac title and escrow company that is handling the closing of my VA Home Loan refinance application request the following documents from me to close escrow : 1 ). Owners policy of title insurance from the title company who handled your purchase. 2 ) Certificate of completion from the builder. 3 ). Warranty of completion. 

PennyMac have the mortgage of my VA Home Loan. I have experience a problem with my loan application with the escrow company who is handling the refinance of my VA Home Loan ( mortgage ).
Product: Checking or savings account

I was XXXX in XXXX and had bills to pay. I was charged a draft fee of {$20.00} plus the amount owed. Navy federal did state that they didnt process the payment in time but it was still at my cost of the account. Even though there was money there when the transaction was made. They took there time processing the transition.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I ordered furniture through a remotely working XXXX XXXX furniture rep. I knew my limit was close to the Max because I had just purchased a couch recently and it was. The card would be able to cover roughly {$230.00} and there would be a balance of {$70.00} that I could pay in cash or the rep offered me to increase my limit by {$300.00} to cover the costs. I asked specifically if it was going to hit my credit, because if it didI did NOT want to do it ( as I am in the process of getting inquiries off my report. ) He checked and told me it would not. I was approved for the {$300.00} increase and got my receipt via email. Right away I received a credit monitoring email saying I had a new hard inquiry. When I questioned the rep, he told me he told her 3x on a recorded line that I did NOT want a increase if there was an inquiry and she told him each time it would not put on on my report. He was told that this women had applied for a line of credit rather than an increase. I was told to call XXXX XXXX and they would be able to reverse the increase and remove the inquiry, but when I called, they only said they could file a dispute with the credit bureau.
Product: Checking or savings account

In XXXX XXXX XXXX my checking account was used without my knowledge to make unauthorized fraudulent charges. These were in various similar amounts all around XXXX XXXX each. I called immediately and filed a claim. I was out of town and my phone was missing/not in my possession during this time and I believe that's how the fraudulent charges were made. This was described by me to CapitalOne. The representative failed to note one of the charges in the claim even though I mentioned them all. I had to call back later once I discovered this to correct their error. I provided all documentation requested. Months later I get a decision saying that about half the charges were approved, and half were denied. This made no sense to me as they were all similar amounts from the same vendor during the same time period. These should all be approved or denied equally! If one is fraudulent, they all are! 

Seeing as this made no sense, I requested documentation used to make their decision. They provided me documentation that said since 1 charge wasn't claimed fraudulent, that some of the charges were considered legit ( the 1 charge that the capital one representative failed to note which I had to call back and correct!!! ) This was an error on capitalone! I still have not received my money for these fraudulent charges. I was assured multiple times by multiple agents that I would get this money back. I have provided all documentation requested. THEY MADE AN ERROR, AND I WAS PUNISHED FOR IT!
Product: Debt collection

XXXX and Pinnacle credit are trying to collect a debt that I do not owe. I had service with XXXX for less than 10 days and returned the phone and cancelled service after realizing they did not provide service in my hometown. They have been trying to collect {$530.00} from me ever since. I have provided the contract and other documentation proving I do not owe this MULTIPLE times to all XXXX credit bureaus and to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my behalf because Equifax has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).
Product: Mortgage

Our current mortgage is with Seterus out of XXXX XXXX, Mi. About a month ago we applied to XXXX XXXX Bank in XXXX, Ohio to refi at a lower rate and shorter length. A request by the XXXX to Seterus was summited twice and and it has been almost 3 weeks and still no payoff has been sent to the XXXX. I called yesterday to Seterus and was told it would be XXXX to 2 weeks more before they could process the payoff. This is not acceptable
Product: Credit reporting or other personal consumer reports

I pulled my consumer reports from ( TransUnion ) and noticed that you provided an account there as a charge off/collection. } An account can not be a charge off and a collection at the same time! 
A charge off is a canceled debt where a 1099C form must be issued to the consumer! How can a canceled debt be collected?

Collecting a debt that has been canceled constitutes tax fraud. 
TransUnion has provided this account : XXXX from XXXX XXXX XXXXXXXX XXXX a charge off/collection and is violating the Fair Credit Reporting Act 15 USC 1681.

15 USC 1681e ( b ) ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information regarding the person to whom the report relates. 
Reporting inaccurate information to a consumer reporting agency is detrimental to my creditworthiness, credit standing, creditworthiness, character and overall reputation.

You ( name of creditor ) are a furnisher of information and are prohibited by law from reporting inaccurate information.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to furnish truthful information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable cause to believe that the information is inaccurate. 
Therefore, I request that XXXX XXXX XXXXXXXX account XXXX be removed from my credit report.
Product: Credit card or prepaid card

Capital One sent me an email on XX/XX/2022 in regards to suspected fraud for a charge of {$55.00}, the charge was declined and if I did not make the purchase I should contact their fraud department. I contacted their fraud department immediately and informed the customer service representative that I had not made the purchase and this was in fact fraud. The representative advised she would be canceling that credit card, issuing a new credit card and submitting a request to have a {$55.00} credit applied if the fraudulent charge posted to my account. On XX/XX/2022 the fraudulent {$55.00} charge posted to my account and there was not a credit applied or pending to cover the charge as I was informed. I waited an additional 24 hours to see if the credit would appear and it still has not shown as applied or pending as of XX/XX/2022. I contacted Capital One Fraud department XX/XX/2022 to inquire why the {$55.00} credit had not been applied to my account as the charge had posted and was informed the credit can take up to 3 business days. I requested to speak with a supervisor because this was not the information I was provided on XX/XX/2022 and now I will be running the risk of this fraudulent charge impacting my credit due to my billing cycle ending within 3 business days. I spoke with a supervisor and informed her of my concerns of this fraudulent charge being billed and incorrectly being reported on my credit report and she also said it can take 3 business days. I informed her the representative I spoke to XX/XX/2022 advise the credit would show as soon as the charge posted and the supervisor said that was incorrect. I informed her if I made the payment today it would post today so I didn't understand how the company applied credit couldn't post sooner than 3 business days, she basically said that's just how it is and I can feel free to make the payment if I want. I disconnected the call. Both representatives of the company completely disregarded my concerns of this fraudulent charge being reported on my credit report and never once even offered that they would submit a request for reporting correction.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I purchased the vehicle on XX/XX/2019. The Dealership, The Salesman or The Service Department didnt disclose or put in writing that the crankshaft sensor was defected and faulty and needed repairs. XXXX XXXX XXXX didnt consider my Safety First. On XX/XX/2019 at XXXX miles the vehicle wont crank. It was cold and raining. I didnt drive the vehicle for a week. On XX/XX/2019 I drove the vehicle to church and when I got out of church the vehicle wont crank. I called the Dealership on XX/XX/2019 to inform them that the vehicle wont crank. The Dealership told me to bring it in. You brought the vehicle in on XX/XX/2019 around XXXX XXXX. I asked the Service Department what is the problem because my vehicle wont crank. The Service Department informed me that it was the crankshaft sensor. I asked the Salesman why didnt he disclose or put in writing that the crankshaft sensor was defected and faulty and needed to be repairs before I signed the contract. You sold me a vehicle without disclosing that information. And put my Safety at Risk because the vehicle wont crank and I was stranded. He said that he knew that the crankshaft sensor was defected and faulty and needed repairs. He said that he should have gave us a loaner car. But he never told us about it. I had to found out myself. I called Ally Financial on XXXX at XXXX to inform them about the crankshaft sensor issues and the loan. The representative ( XXXX ) told me that the Dealership has 3 options to give you. 1 ) Canceled the contract because of defect. 2 ) Substitution of Collaleral 3 ) Request for New Contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid debt off. RMP says I have to wait till the XXXX of XXXX To have it removed from my credit. I want it updated ( now ) within the next 24 hours with the 3.credit bureau. Thank you.
Product: Student loan

XX/XX/XXXX, the borrower filed a paper application for consolidation with enrollment in the income based relief program was filed. In XXXX XXXX, Nelnet who was servicing the consolidation application wrote that a judgment in court prevented consolidation. In XXXX XXXX, the borrower contested the existence of a judgment with the attorney representing the XXXX XXXX. The attorney confirmed there was no judgment and informed Nelnet that there was no judgment. In XXXX of XXXX, the borrower called Nelnet to inform them that there was no judgment. Nelnet acknowledged that it was aware that that there was no judgmetn and said they would move forward with the application immediately. However, when no further information was forthcoming. the borrower called Nelnet XX/XX/XXXX. The borrower was told that Nelnet had failed to take the necessary internal action to move the application forward but that it would do so immediately. After another 6 months of silence, the borrower contacted Nelnet in XXXX XXXX. The borrower was told that Nelnet did not do anything in XX/XX/XXXX or XX/XX/XXXX and that his XXXX XXXX application was now " stale '' and a new application was needed. When the borrower pointed out that the fault was with Nelnet, not the borrower, for the application going stale, Nelnet said that was too bad.
Product: Mortgage

Borrower inherited property from mother who 's mortgage is in active foreclosure. Borrower submitted a facially complete loss mit on XXXX/XXXX/XXXX but has not been notified of any action taken. The bank 's Motion for Summary Final Judgment on the foreclosure is scheduled for XXXX/XXXX/XXXX. Borrower has filed an opposition thereto.
Product: Debt collection

I just checked my credit report and there is a new collection from " Enhanced Recovery System '' this is an item that I have no knowledge about. I have sent debt validation letter.
Product: Bank account or service

I deposited a cashiers check on XXXX XXXX, 2017. The bank teller told me the check will clear in 24 hours and the funds will show as available. My account showed the funds available the next day. I went ahead with my transactions based on that. I get a letter more than a week later ( mailed out XXXX XXXX, 2017 ) that the check is fraudulent and the funds have been withdrawn from my account and I have been charged an additional {$12.00} fee. When I called the bank they just said they cant do anything about it and " too bad ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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