23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

A trustee withdrew all money from a checking account, my count {$190000.00}, FBI 's count {$190000.00}. He was indicted for fraud, and I was awarded more than {$380000.00} in the civil case XXXX XXXX, XXXX. He pled guilty XXXX XXXX, XXXX, His first federal court appearance was XXXX XXXX, XXXX, and police reported he died that morning. The indictment was dismissed. He was not punished. I received no restitution. The present trustee will not show statements, and I may be about to lose another {$200000.00}. The bank is powerless to stop it. The trust provides the bank ca n't show me statements or allow my transaction. It 's a clever, legalized stealing scheme no one here has seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I had to file for personal bankruptcy due to a failed business which I had personal guarantees on. I have a car loan with XXXX and I have never been late on a payment and I have been making payments since filing. XXXX has filed a negative credit report against me and will not report that I have been making payments. Since the bankruptcy was business related it has taken a long time ( 22 months ) and it is due to close in 30 days. 

This negative report and refusing to report that I have been making my payments is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found several inaccuracies on my credit report that was crossed with my brother 's information XXXX XXXX and submitted an dispute with Experian. I was in disbelief to discover a response I received from Experian refusing to investigate my dispute due claiming it wasn't send directly from me. I included a copy of my drivers ' license, ss number, and a bill reflecting my current residency with my dispute to accurately verify my identity and EXPERIAN WITHOUT PROVIDING ANY PROOF OR SUPPORTING DOCUMENTATION OF THEIR CLAIM STATING THE DISPUTE WASN'T SENT BY ME ( XXXX XXXX ) IS A CLEAR REFUSAL OF MY REQUEST.
Product: Mortgage

United Wholesale Mortgage can not justify the amount of XXXX I paid for trial period as a request for loan modification. They have mislead me and didn't applied the total amount of {$11000.00} to my account. 
I have paid {$11000.00} as trial payments for 6 months. My loan was in forbearance and after I received the requested payment trial notice I made {$1800.00} for 4 months and {$2000.00} for 2 months. 
These trial payments were requested by the letters dated XX/XX/XXXX and XX/XX/XXXX. 
I made XXXX XXXX in respect of letter dated XX/XX/XXXX and {$2000.00} in respect of letter dated XX/XX/XXXX. I have contacted United Wholesale Mortgage and asked them to answer simply, like a basic mathematics question : " How much money did you apply to the Interest and how much to the Principal from the {$11000.00} '' For more than a month, they can not justify that they applied this amount entirely correct. In many emails ( please see attached ) they promised will provide answers but they never did. Have they stolen the funds? Have they paid something they shouldn't have paid with these money? AGAIN : How much is interest that you applied from {$11000.00}? How much you applied to the principal from {$11000.00}? BE AWARE : the only period that these payments could be CORRECTLY APPLIED is : XXXX of XX/XX/XXXX to XXXX of XX/XX/XXXX. These payments with a total value of {$11000.00} should have been kept in suspense and applied when the Loan Modification entered in effect ( XX/XX/XXXX ). On only XXXX particular months can be applied : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ON XXXX I STARTED MAKING PAYMENTS AGAIN. Any other option is an error or something that you make it look like an error. 
Again : in 4 months, how much was intrest and how much was going to principal from {$11000.00}????????? I have reasons to believe that you have manipulated my account so badly so you can hide the payments I made for the trial period. Stop abusing my account.Stop trying to mislead me in order to defraud me. Answer in writing please. Provide evidences when you are asked, don't just dissappear after more than a month of conversation, please. Why are you constantly abusing me? Refund my money immediately please. I can prove that more than {$6800.00} out of {$11000.00} you have directed somewhere else and you never applied to my account. Stop lying on a Government Website please. I have evidence that you previously lied here, on this website ( Consumer Financial Protection Bureau ). Stop please the abuse, you have inflicted lots of emotional fear and distress. Is terrible feeling to live in fear that you are trying to mislead me for unjust enrichment, every notice from you ends up in errors and lies and deceiving practices. Please stop the abuse : you should never believe that you can abuse because you are under the comfort of an error and omissions insurance. There is a limit for that. You can not use the excuses of errors indefinitely for your persistent abusive practices. Stop please, Stop! You have injured me immensely.
Product: Credit reporting or other personal consumer reports

I discovered inaccurate information on my credit report and submitted paperwork to inform your company of the errors. This paperwork included supporting documents to verify the correct information. Despite this submission, the inaccurate information has not been adequately addressed or corrected. I am requesting that this matter be reviewed promptly and that the errors be rectified to ensure the accuracy of my credit report. Please investigate this issue and provide an update on the actions taken to resolve it.
Product: Credit card

I 've called and called and called and called and called sooooo many times about this account, still no luck. This account was opened fraudulently and I 've reported it several times and called about this credit card dozens of times. It seems that I get put on hold for long times, transferred around to different departments, my calls get disconnected, I get told different answers/responses, and so on. This company is going to have a lawsuit if they can not process a dispute correctly. I am so lost and do not know what to do, I ca n't get through to anyone. I 've been dealing with this for almost two years now. I ca n't seem to get a solid answer about this account nor will this bank remove it from my name. They claim I opened it because of payments that were applied to this account that I did n't make. I 've made a large payment recently to pay off the balance but they returned my check because there was no account found to the check, false. I have a checking account with XXXX and it is open, they just refused the check. So either way, I guess I ca n't pay off the balance. I made a large payment because they told me that I am going to be rebilled for some transactions and to prevent this from hurting my credit. Sometimes I am even told by Chase reps on the phone that my account is not accessible by them and that they have to get me to a different dept. that ca n't access my account either. So it 's like I am stuck in a hole and ca n't get out! At this point, I feel that Chase does n't want to assist me with this matter and that they do n't want to take a loss. But I have every right to request for this to be removed from my liability since I did not open it. Furthermore, my drivers license ID was stolen around the same timeframe for this matter. I 've even tried disputing the charges to get them removed, still they denied it. Just because the information on credit card applications and ID 's match does NOT mean that it is me, it could be someone that looks like me. WHICH IS ID THEFT!!!!
Product: Mortgage

In the middle of XXXX we were told by XXXX XXXX that our loan was bought by XXXX XXXX Lakeview Mortgage company. We were told we would receive information within 2 weeks of start of the new contract ( new contract started XX/XX/2022 ) We have gotten no contact from XXXX XXXX Lakeview. or any XXXX XXXX company. I reached out to contact them and was stuck on hold, when i opted for them to call me once my place in line was up i never got a call. I seem to be able to make payments over the phone but have no account information or number. As a first time home buyer my goal was to setup autopay as fast as possible like i did with our previous company ( XXXX XXXX ) While you don't need a loan number over the phone to pay you do to setup autopay which i still don't have.
Product: Bank account or service

In my case. when I schedule a payment to XXXX of my payees through First Tennessee Bank 's online bill pay service, First Tennessee Bank automatically deducts the amount scheduled immediately prior to any payment instrument being issued by First Tennessee Bank. They do issue a reference identifer at the time the online payment is scheduled. What I believe is that when my payee returns the payment instrument issued by First Tennessee for redemption, First Tennessee changes the initial reference identifier. They also change the reference identifer again once they close my statement out for that period. The information is attached in detail later on in this process,
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/year> I have tried since then to get thois issue resolved with no luck I consider asking for help filling the next issue Under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ), I am entitled to dispute fraudulent accounts and expect a thorough investigation. I am invoking the rest of the piece of legalization XXXX XXXXXXXX XXXX XXXX ( XXXX. XXXX XXXX ) - Protects consumers from unfair, false, misleading, or deceptive acts or practices, including inaccurate credit reporting. and use of ambiguous responses as this letter is from a credit lab or you did not send the verification documentation all information is complete and I have sent all verification elements XXXX Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX. ) - Requires credit reporting agencies to investigate disputes and remove or correct inaccurate information promptly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit reporting agencies to block fraudulent information upon receiving valid documentation of identity theft or dispute. 

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) - Requires credit reporting agencies to investigate disputes and correct or delete inaccurate or unverifiable information within 15 days. 

Truth in Lending Act ( XXXX ) ( 15 U.S.C. 1601 et seq. ) - Provides protections against unauthorized charges and requires creditors to respond promptly to billing disputes. this also means cease and desist all fraud reporting information
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago I had an account with XXXX XXXX. I left that bank and did not close the account. A few years later I started working on my credit and noticed that I had a {$29.00} charge off collection from XXXX XXXX. I called them and they explained that it came from the account never being closed and that maintenance fees are what made the account overdraw. It only being {$29.00}, I agreed to pay them and have it removed from my credit report. I sent them a money order for the full amount and within a few weeks the information on my credit report updated, showing the account had been paid. I agreed to pay them because they said it would be removed from my report. Not only is it still on my report, but it does not show the original {$29.00} amount that was being charged-off. So other creditors look at my account a see a charge-off showing paid in full with no original amount. 
They agreed to remove this from my report if I gave them the {$29.00}. Reporting as is does not make it much better had I refused to pay them, because now potential creditors have no way of knowing the original charge-off amount. This is a small bank, based in Alabama, that I should have never done business with.
Product: Bank account or service

I am a customer of chase bank. On XXXX a purchase was made by a customer for my company 's furniture, tv 's and supplies due to me closing my buisness. A check was deposited by the customer. The check was not available right away I had to wait for my bank chase to clear it first. Once chase bank cleared it the following day I made a withdrawal of {$3000.00} prior to the deposit I had {$2200.00} in my account. When I made the withdrawal everything on my account was fine. The following day I received an alert stating I was overdraft. So of course I contacted chase bank to find out what had happened. They informed me the check was returned and they had taken my money to basically make up the difference of the check to return. I then stated as a buisness owner and customer of yours I do n't feel that was fair first I have never had any checks return on my account second you all cleared it. I did my part as to selling my goods and expected to get paid for it in any case I am the victim. I willingly offered to send a invoice and pictures of what was sold and it was declined. I then said instead of taking my money why not open an investigation, I will probably never see this customer again you all have more access to their information then I do. They then told me I would have to be the XXXX to open an investigation. Now I know my money is insured so I asked to be transferred to FDIC hoping to be given back my {$2200.00} and was transferred but then hung up on so I do n't even know if I was even on the phone with FDIC. As a customer of a bank that is suppose to protect me and my money I feel this is very wrong and I am not going to let this go because it 's wrong. I will be contacting anyone possible that can help me, so this is my first stop. I 'm also gon na get in contact with FDIC myself.
Product: Debt collection

XXXX  XXXX XXXX XXXX sold my financial information to a collection agency named CREDIT MANAGEMENT COMPANY without my consent. This is identity theft. They are a third party debt collector. I do not have contract with them. CREDIT MANAGEMENT COMPANY has been collecting on a debt already paid. They have been reporting false information to consumer reporting agencies. Pursuant to 15 U.S. Code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to furnish my reports to any consumer reporting agencies.

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my social security card which is a negotiable instrument. 16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Money transfer, virtual currency, or money service

I was contacted by a gentleman named officer XXXX who identified himself as an agent with CFPB He gave me this number XXXX and used your XXXX XXXX address. He informed me that there was a check for me in the amount of {$970000.00} from Bank of America and I was to call the following company to claim my winnings XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Fla XXXX at this number XXXX I spoke with a man named XXXX XXXX there and he gave me a number for Bank of America to call They were some kind of insurance bond company He gave me their number and instructed me to a certain prompt He informed me not to listen to the entire recording since it was very long and in several languages. I was to call BOA at XXXX and press 3 From there I was to entire the account number XXXX with a pin of XXXX When I did that the recording said there was {$970000.00} in " my '' account. I hung up and called back and tried a different prompt and boith times was cut off I did not use the press 3 again. I then turned around and called Agent XXXX back at the number above and was informed he was not there and would call me back I gave him my name but no number Of course there was no phone call However when I called their recording and information is identical to your offices which I called after trying to reach XXXX XXXX. I did speak with a very nice woman who did inform me that this was obviously a scam and send me the link to report it I am also following up with the FTC
Product: Mortgage

I purchased my first home on XX/XX/XXXX. I obtained a loan from Guaranteed Rate XXXX  and expected a consistent monthly payment throughout my loan term. However, I recently learned that the loan originator provided me with a grossly inaccurate estimate of my mortgage payment. 

The lenders total monthly payment estimate was {$1900.00}, and I was comfortable with that payment amount. However, as of XX/XX/XXXX, my payment increased to {$2500.00} due to the incorrect estimate of the property taxes. 

When I contacted the loan originator about the problem, he said he would have given me the option to collect escrow for the current taxes OR for the estimated amount based on what I was paying for the home. I was never offered those options by him. Had I been asked ; I would have told him that I need an accurate estimate of my total monthly payment based on the price I am paying. 

It turns out the lender had estimated my taxes based on the current taxes which was {$3400.00}. The taxes based on my purchase price are {$6100.00} with the Homestead Exemption discount included. In an email to me, the loan originator said that it is possible that the lenders processing or closing department may have changed it without his knowledge! His final response was that I will have to pay the new payments or he " could look at doing a refinance. '' When I received the estimates from the lender, I believed that my income was enough to carry the loan. I understood that the property taxes could increase, but I had planned on filing for homestead exemption to help keep my payments close to the lenders estimate. 

The loan officer knew that I was a first-time buyer, and that it would be financially difficult for me to make payments higher than the estimate amount that he provided. This has brought a lot of stress to me. I believe that I was deceived, and I am requesting that your office investigate this matter. I would like to know what my options are, and I would like to know that this will not happen to anyone else that might apply for a loan with this company.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I have been involved in a XXXX XXXX. After careful review of my consumer report I have noticed a few inaccurate accounts reporting. I have attached those accounts for your review. At this moment I would need the internal records of the accurate reportings of those accounts. If the can not be done in a timely fashion ( XXXX ) days. I demand those accounts to be removed Immediately.
Product: Mortgage

hello Case # XXXX Zions bank send a NOTICE OF TRUSTEE SALE. With new company name how many companies own my mortgages this is a big pyrimid scheme. Financial pyrimid scheme groups 18 U.S. 2-239 pyrimid promotional scheme ; penal code section 327 11 U.S Code 327 Employment of profeciona... 
XXXX XXXX XXXX. 
Zions I know who is behind this I will send more info Zions bank, XXXX XXXX, and the group of scheme examples, All real states are private with their own banks. I'm the owner of all trustess private and public. I'm the internal Government CA under secret seals of XXXX. 
XXXX  churche is behind this in all there cult i got prove XXXX XXXX put in XXXX the they not in mortgages or real states, or trademark account clones i got one don't match with my private keys
Product: Credit card or prepaid card

Was offered a 10 % statement credit if I use my Capital one CC at XXXX, but still have not received it. Called customer service and got tossed around to another department that haven't had a clue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an investigation request letter to Experian, about the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX. 



I asked for verification on, if all the accounts referenced were reporting 100 % accurate information, because i wasnt sure that they were. 

I also asked that, if any account werent reporting accurate information, then the account in question be removed according to 15 U.S.C. Sec. 1681i ( a ).

This request to Experian happened over 30 days ago and i still have not had a reply, which is a direct violation of 15 U.S.C. Sec. 1681i ( a ). Under 15 U.S.C. Sec. 1681n ( a ) i have the right to charge for any violations and failure to comply with the imposed rules of 15 USC.

I will attach a copy of the sent investigation request letter. 
I will attach a copy of the invoice for the violations of each account.
Product: Mortgage

Home loan transferred servicers during the home sale closing period. Purchaser title agency wired mortgage payoff amount in the period of XX/XX/XXXX - XXXX, {$300000.00} including 7 days per diem interest, to loan transferrer ( XXXX XXXX ) on XXXX. Loan transferrer then sent the funds to transferee Mr. Cooper and funds were received XXXX. Mr. Cooper sat on the funds for an additional 5 days ( XXXX ) then requested more funds on XX/XX/XXXX. {$370.00} in interest fees and {$64.00} for a late fee. Requested additional funds were wired to Mr. Cooper to avoid additional interest fees and delaying the home sale closing process. All parties paid funds on time therefore there should be no additional interest or late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XX/XX/XXXXXX/XX/XXXXAcct # XXXX 2 ) XX/XX/XXXX Acct # XXXX 3 ) XX/XX/XXXXXXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts listed below from my credit report. I am a victim of a data breach, and these accounts were fraudulently added to my credit file without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts removed from my credit report promptly. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX