23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bank of America has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). <P/>Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore Bank of America filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date ofXX/XX/XXXXXX/XX/XXXX the reason the document was backdated because Bank of America was foreclosing on our home without standing from XX/XX/XXXX through XX/XX/XXXX, so Bank of America filed this fraudulent document back date their standing for foreclosures from XX/XX/XXXX through XX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary.  In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX XXXX XXXX-XXXX   Trust XX/XX/XXXX-XXXX is listed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank of America Corporation , XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XX/XX/XXXX, received in this Commission on XX/XX/XXXX, under the name of XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX-XXXX , File No. XXXX.. Exhibit E Pooling Servicing Agreement stating that trust closed on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts exhibit inaccuracies in their reporting
Product: Payday loan, title loan, or personal loan

I received a pay day loan. I had issues making the payments and asked them to stop for a while. They told me I had to send a letter to stop the payments. I added a stop payment with my bank, sent the letter. They still keep with drawing from my checking account now with my debit card. I called again, someone advised they the letter wasn't received and that I need to resend the letter. I asked to speak to a XXXX and was told a XXXX will me back. They then again withdrew funds from debit card again, causing me fees. 
I tried sending the letter again with priority mail and letter was returned undeliverable. The address given was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have called this company many times to try to resole this matter.
Product: Mortgage

I am writing to cfpb to get help with my home I have a loan with ditech since 2001 who is a predatory lender. They will not work with me on loan. The original loan was XXXX in 2001 they have my payoff as XXXX, It is a manufactured home the county only value the property at XXXX. I think the contract is invalid did not do a lot of stuff promised to us in the contract. I do not want to lose my property. My parents gave me the land that the house is on. Please help me to keep my property I have been trying to get help for years. 
Thanks
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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
Product: Mortgage

A little over a month ago, I walked into the NFCU branch located on XXXX XXXX in XXXX XXXX, MD, and I waited to be seen by a Mortgage consultant or member service rep. I walked in her office and informed her that I wanted to apply for a mortgage loan. She asked me a few questions and I told her IMMEDIATELY that I'm a member of the HPAP program and I had my eligibility letter in hand to show her proof. She proceeded to immediately say " I don't need to see the paper, your lender will need that, I'm just doing the application with you. '' I said o ok, then she asked for my ID and then she left out the office. Once she came back she gave me my ID back and the said, " I'm sorry but I have a XXXX o'clock appointment and it's XXXX so I won't be able to help you. '' She said you can wait till I'm done which can take hours or come back ''. " She said nobody else there would be able to help me. '' I politely got up and left. But I was upset from her terrible customer service. How did she not know that she had an appointment? I went home and called NFCU to do a mortgage application over the phone the same day. The guy on the line was nice and patient and he told me that he wasn't aware of the HPAP program but will send the application anyway, and he did. The BIGGEST ISSUE I HAVE IS THAT NO ONE, OUT OF 2 PEOPLE HAVE SAID, WE DON'T ACCEPT HPAP, SO I WAITED FOR A MONTH FOR THE STATUS OF MY APPLICATION, I WAS PRE-APPROVED, AND LATER DENIED BECAUSE NFCU DOESN'T ACCEPT HPAP APPLICANTS. MY CREDIT WAS PULLED SO I LOST POINTS DUE THE THESE 2 REPS NEGLIGENCE AND XXXX XXXX AND XXXX XXXX ARE XXXX THEY SHOULD BE FIRED. ITS ABSOLUTELY NO REASON WHY I SHOULD HAVE WENT THRU THIS HEADACHE OF A PROCESS. 4 PEOPLE AT THIS BANK FAILED!!!!
Product: Debt collection

+ Original debt ( roughly {$80.00} ) from XXXX XXXX XXXX XXXX ( XXXX ) was disputed ( double billed - i think so they could bill vision insurance and health insurance separate ). XXXX said they would get back to us but never responded to consumer. 

+ Consumer received multiple calls from debt collector Capital Accounts ( CA ) addressed to a minor in the house ( XXXX old ). Father explained situation and asked for debt validation. Nothing ever received. 

+ one gentlemen from CA mentioned we were " breaking the law '' because of the minor / parent and discussing it without proof. 

+ Consumer paid bill directly to XXXX just to make it easy ( only {$80.00} ) and to resolve matter. 

+ CA continues to call consumer for debt ( it 's been at least 60 days since it was paid ). Latest was today - When I asked for contact details, he said his name was XXXX XXXX and then hung up on me. 

+ phone calls from CA come from a switchboard operator
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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
Product: Credit card or prepaid card

On XXXX XXXX I opened a dispute with Citibank in regards to a purchase of {$1300.00} on a bicycle that was falsely advertised to fit an individual XXXX XXXX ''. I have submitted all requested documentation. A conditional credit was applied once, in early XXXX ( I'm not sure of the exact date. This conditional credit was reversed on XXXX XXXX and I was told that I could submit additional information to reevaluate the dispute. I submitted additional information on XXXX XXXX and was informed I would again receive my conditional credit within 2 days. As on XXXX XXXX I have still not received this conditional credit. I contacted Citibank on XXXX XXXX requesting the conditional credit but was informed the case had been closed. I have again contacted Citibank on XXXX XXXX and I am currently awaiting a response. As far as the dispute I just wish to return the item to the seller for a full refund. The item was not as advertised. The seller agreed to a return but at my expense. I do not agree that I should be held responsible for any expenses due to the merchants blatant mis-advertising. This would cost me between {$220.00} and {$430.00}! 30 % of the original purchase price. The dispute is pretty cut and dry but Citibank seems to be dragging the process out. Additional and full details in attached PDF.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from EQUIFAX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Creditor has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit card

This issue concerns a XXXX XXXX XXXX credit card issued by JPMorganChase bank. At the outset, I want to note that my wife and I have a long history with the bank where we have a checking account, four savings accounts, an investment account, and two other credit cards issued by JPMorganChase. Information concerning all of these accounts is available to me and my wife, individually, via our individual logins to the bank 's online portal. We use the portal for making deposits, making payments, fund transfers, monitoring accounts, and so forth. 

When we applied for the card, I submitted the application and included my wife as an " Authorized User. '' After receiving the card and checking the online portal, we discovered that information concerning the XXXX XXXX card was visible to me via my access to the online portal, but not visible to my wife via her access to the portal. This is consequential because she handles most of our family bookkeeping, including monitoring and paying credit card bills. 

After discovering this discrepancy, I contacted JPMorganChase and eventually ( after being routed through a couple of agents, a supervisor, and someone in their tech support ) I learned that -- unbeknownst to me -- when I applied for and received the card : 1 ) the bank classified me as a " primary '' card holder ; 2 ) because my wife is not a " primary '' card holder, she can not have her own access to the online portal for that card to monitor transactions, make payments, etc. ; 3 ) wife can not be added as a second " primary '' card holder ; and 4 ) the only way my wife can gain access to the online portal for the card is for me to share my login information ( and because I use dual-factor authentication when I log in, that as well ).
Product: Credit card

I called in to Capital One on XXXX/XXXX/2015 requesting to have a lower interest rate. They advised me that a lower rate was not available so I was going to cancel my card. They transferred me to a Supervisor who advised me that I had some upgrade options available. She presented me XXXX offers. They did tell me that I was eligible for a upgrade, they told me I could switch to the Visa Quick Silver Rewards or the Master Card Capital One Venture Card. I asked what the differences were and they advised me. They told me that they would remove the annual fee and advised that the Quick Silver Rewards would be a Visa card and I went online and looked online and saw it there and was like ok I will switch to the card with the hopes that some day by switching I could get a lower rate as it looked like online the rates for the Visa version were or could be lower so I made a decision based on that rather than the venture card. So I selected the Visa option. I was specifically advised that it would be a Visa Rewards cards and I would receive a new card in the mail and my old card would stay active until the new one arrived. I called spoke with Supervisor who explained it would not be the Visa because the minimum credit line for the Visa card was XXXX and the account number would not change and once again no lower interest rates available for the card I had. I explained I was told card would be switch to the Visa version, I adv that this is not correct I advised that my decision to accept upgrade was based on it switching to Visa and to which I was told too late now and there was nothing that could be done and it could n't be reversed. ( Bait and Switch ) Spoke with XXXX or XXXX XXXX in the Executive Customer Relations Office and he was of no help and told me there was nothing that they could do even though they did confirm that the call had been reviewed and XXXX was confirmed that is what I had been offered. He offered me a XXXX adjustment to my account and another XXXX rewards credit which I did not accept as a final resolution to this issue and advised such. They are not willing to honor what they have already confirmed was offered and that I agreed to. They are pulling a " Bait and Switch ''. They know they messed up and are not willing to fix it!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXXXXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT OF TRUTH Notice to Agent is Notice to Principle and Notice to Principle is Notice to Agent Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation, whoever that may be, and I depose the following facts, so be it, now present : Fact, in accordance to FCRA 15 USC 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ) Section, 15 U.S.C. 1681s-2 ( A ) ( 1 ) is intended to secure my right to privacy and my privacy has been breached.

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. 
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, and Do NOT have permission to use my information for use of credit : 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian 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 I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce. 
I swear to all information provided herein, I do so under the penalty of perjury and that the information I so affirm should be true, correct, accurate to the best of my ability and knowledge, so be it ;
Product: Money transfer, virtual currency, or money service

I used Zelle from my XXXX XXXX  to transfer money to my husband 's Zelle using his phone number for {$500.00} last XX/XX/year>. I complained to both Zelle and XXXX XXXX  that my husband did not received it. But both companies cant do anything. My husband called his bank that is attached to his Zelle account but no pending transaction or they didn't received the {$500.00} that I sent. So my question to Zelle is where did the money go? Zelle cant do anything. XXXX confirmed that the money was taken out of my bank account. 

So we just lost {$500.00} which is a big amount of money. No one can not help us at all.