23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

AfernoonMy nameis XXXX XXXX XXXX XXXX XXXX XXXX, florida XXXX I have filed a complaint in the website before. About the mortgage company which auction off my home without notifying me. I filled a motion at the courts for the mortgage company to address the injustice which they have done to me and many home owners. receive a letter from XXXX XXXX reference XXXX. CFPB case Number XXXX the mortgage company has not helped me now i have receive a letter from the court that ( Defendant objection to foreclosure sale and motion to stay final judgement pending appeal is hereby overuled. The Clerk of court is directed to issue the Certificate to Tile to Deutsche Bank trust company americans as trustee for XXXX Pass through Certificates XXXX on order at XXXX County, florida XX/XX/2016 is XXXX XXXX. I NeVer received any documentation to appear at court on any hearing i was not notified this was illegally done. through the lawyers, court, ( this is the address for the bank lawyers XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX ( XXXXXXXXXXXX ) Now i am in a situation school will be starting XXXX XXXX for my children and i XXXX not have a home for my family. XXXX letter states that no later than XX/XX/XXXX they would reply to me and inform of the status of assisting me they did not send me any notification of any help. XXXX letters states that our goal is to provide a response no later than XX/XX/2016. we have not received any notification from them until today XXXX XXXX we have received the Objection letter from the court ( Ordered and Adjudged ) defendant 's objection to foreclosure sale and motion to stay final judgement pending appeal is hereby OVERRULED ) the clerk of court is directed to issue the certificate to tile to deutsche bank trust company americas as trustee for XXXX pass through certificates XXXX Sincerely XXXX XXXX XXXX XXXX
Product: Mortgage

Hello Please see the following attachment for my payments history that are not being applied. My mortgage statements that I am being sent, with varying amounts due to late payments, however below the last XXXX months were paid according to the statement I am paying the amount listed on the mortgage statement, however I am being informed that I am now XXXX months behind. 

**A check was sent on XX/XX/XXXX but not cashed and posted until XX/XX/XXXX for {$1200.00}, **Statement Date XX/XX/XXXX, payment due XX/XX/XXXX was {$3500.00}. 

1. Amount due for Statement Dated XX/XX/XXXX. 
due XX/XX/XXXX I was sent an amount due for {$4700.00}, The following payments were sent and posted {$4000.00} sent on XX/XX/XXXX and cashed. 
Check Date XX/XX/XXXX, Check # XXXX & Check # XXXX Total amount sent was {$5200.00} for XX/XX/XXXX 2. Then for the statement dated XX/XX/XXXX, due date of XX/XX/XXXX amount due was {$780.00} and a check was sent, received on XX/XX/XXXX and cashed on XX/XX/XXXX for {$780.00} check # XXXX 3. Statement dated XX/XX/XXXX due date XX/XX/XXXX It showed no amount due but a credit of XXXX, unapplied credit Balance of - {$1200.00} XXXX. Statement dated XX/XX/XXXX, due date of XX/XX/XXXX It then reflects that I am now behind XXXX payments totaling {$2400.00} However a payment was sent and drafted successfully for {$1200.00} with an additional unapplied credit balance for {$72.00} 4. Now I am being told the mortgage payment was not applied that I am XXXX months behind and that only a partial amount was applied of payment - {$1100.00} but as follow. 
{$190.00} Principal {$500.00} XXXX {$490.00} Escrow But the payment should have been the entire amount of the new mortgage payment of {$1200.00}. 

The Mortgage statement for XX/XX/XXXX also reflects that there is still the amount of {$780.00} in suspense and that it can not be placed towards payment history because the correct amount was not paid in XXXX. 
I am very confused and needed just help to make sure and to stay current.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX account was paid XX/XX/2020 and was advised it would be deleted off credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

the government or the law we supposed to use to govern all entities activity in america says that collection accounts unless verbiage was put into an agreement can not include interest fee, charge, expense, etc when collecting a debt.

so basically whatever a consumer is accused of not paying is the amount they owe, and not the amount that comes from adding extra charges.

on my credit report thats exactly what this company did. they reported an debt on my account that is larger than the amount in their contract for original services.

the debt that is on my credit report does not have a signature associated with this debt as well.

even with no signature and the debt blatantly addidng extra charges and fees the credit bureau transunion and XXXX still reported this on my credit report. 

how can they have investigated this debt to be true without a signature or original amount. 

XXXX  and transunion has verified this account was investigated and that was a lie to help opprotunity financial kept this debt on my report and keep their company receiving funds from XXXX XXXX  for being able to report it. 

these XXXX companies are working in cahouts with each other to scam me and financial rob me of my ability to have access to great interest rates. i believe these XXXX are in connection with each other to cause financial harm to me and american citizens by deliberatly not investigating the accuracy of debt they report on their own platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint in this open account that I am reporting as a Joint User in this account. This account is now reporting late payments. This FRD MOTOR CR account number XXXX does not belong to me and has nothing to do with this. This account was opened fraudulently without my consent. I wasnt able to sign any membership agreement in this account. This account was open by my previous boyfriend. He is the one responsible and the account owner. I am not aware that my information was used to open this account. Not even aware that my ex-boyfriend had me involved in this. I have been disputing this account with Ford Motor and requested account validation because I know that I never signed anything in this account. The high balance and the late payments are now affecting me. I can not tolerate and wait for this to be fixed. Filling a CFPB complaint hopefully helps me to get the attention of the company that keeps on ignoring my request for reinvestigation and account validation. I need this account removed from my credit report.
Product: Checking or savings account

Used the Cashapp debit card to make an online purchase for a {$44.00} cake from XXXX XXXX on XX/XX/year> meant to be picked up on XX/XX/year>. That same night I was called by the store manager and told that they can't make the customized cake due to their print machine being broken and that I need to go in person to receive a refund. There was no option online to cancel the order or request a refund, and their support line couldn't help at all. I went in person and was denied a refund and the product I paid for. Naturally, my next step was to start a charge-back through Cashapp in which I provided all evidence and explanation but they deny my dispute XXXX business day after supposedly " investigating '' my claim and deny it. Their reasoning is that there is nothing wrong with the transaction despite the obvious consumer fraud. Cashapp is offering XXXX support despite my many attempts with the vendor to attempt to get my refund and because of this I will no longer use their debit card services since they choose to protect fraud.
Product: Debt collection

Nationstar Mortgage LLC. ( " Nationstar '' ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( " XXXX '' ), and XXXX XXXX XXXX, XXXX XXXX, as Trustee for the Certificate Holders of the Structured Adjustable Rate Mortgage Loan Trust Mortgage Pass-Through Certificates, Series XXXX ( " XXXX '' ) are all governed by FDCPA pursuant to 15 USC 1692a ( 4 ). The County Public Records is a third party. Nationstar, XXXX and XXXX never obtained our permission to file " our '' non-public information into the County Recorder 's office. The Notice of Trustee 's Sale document filed for an illegal seizure of our home is a violation pursuant to 15 USC 1692c ( b ). Also, Nationstar, XXXX and XXXX are prohibited from abusing and harassing us pursuant to 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, 15 USC 1692i, and 15 USC 1692j. Trustees who regularly foreclose on California deeds of trust in non-judicial actions are debt collectors subject to the entire FDCPA. ( CFPB XXXX XXXX - XXXX XXXX vs ReconTrust )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Yesterday I received an email and text message that an account for chime has been created. Today I received an email that a card would be sent to my address following this email. I called chime and canceled the account that was fraudulently opened.
Product: Checking or savings account

I had around XXXX dollars in my checking account and suddenly I received an email from Dave saying that my account security was at risk and I that my account access would be limited. They also indicated that I should review my transactions to see if there is any discrepancies. When I went to login I was suddenly told that a request to close my account was processing. I NEVER requested an account closure and I immediately emailed as well as called. They provided zero details on how to access my account as well as my funds and instead sent a generic message giving the steps to close an account ( I didnt request this ). When I called I was unable to reach a live agent and their AI system kept hanging up on me. They stole my money.
Product: Debt collection

This information was provided thru my XXXX Account : XXXX XXXX XXXX {$75.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$75.00} Highest Balance {$75.00} Opened XX/XX/2014 ( 5 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has been reporting income on my consumer report and I have attempted on multiple occasions to resolve this issue. Per IRS 1099c is to file my income on my tax returns. I provided all of the information to TransUnion XX/XX/XXXX I was told the issue would be resolved at the end of XX/XX/XXXX. I called in to check the status and I was told that the last rep didn't upload any of my information and everything would be updated XX/XX/XXXX. When I called XX/XX/XXXX I was told XX/XX/XXXX everything would be resolved ... ..again. TransUnion has been using this stall tactic but I have proof of filing the following XXXX XXXX {$8300.00}, XXXX {$8700.00}, XXXX {$7300.00} everything has been filed this is income not debt. Also I never asked TransUnion for any verification in any of my complaints so the generic response of " been verified '' I'm not asking for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX
Product: Vehicle loan or lease

XXXX I signed an auto lease at XXXX XXXX XXXX XXXX stating that I would pay no more than {$550.00} per month for this lease. And this hand written paper is now missing. I left the dealership with NO paperwork, nor did the salesman go over the contract with me before I left the building. 
Ally is charging me {$550.00} per month as the lease payment. Not what I agreed to. 
Along with other disputes of this lease, I have contacted the Attorney Generals Office of the State of Pennsylvania and Maryland. 
And called XXXX to voice my complaint. 
I have contacted ALLY from the beginning that I am in dispute of this contract, along with writing this on the monthly check of {$550.00} that I have sent every month since XX/XX/year>. 
ALLY has now reported me to credit agencies of being in default, and is now charging me late fees. I never agreed to ALLY since I was already approved for XXXX XXXX being this is my fourth lease. 
I want ALL correspondence in writing, not ONLINE. 
Please help me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes, particularly in light of recent events CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial situation and Zelle failed to investigate my claim adequately. They have informed me that recovering lost funds was impossible and tracking this transaction were infeasible. Zelle has not only has neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving us vulnerable to scams.
Product: Credit reporting or other personal consumer reports

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The companies never informed me of my right to exercise my nondisclosure option. Also,15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. These accounts are adverse items that are reporting without my consent which is against the law.

Furthermore, these adverse items also violate The Privacy Act of 1974 and 16 CFR 313. 
I sent a letter on XX/XX/XXXX exercising my consumer right to opt out and these companies completely ignored me and are continuing to furnish my personal information without my consent.
Product: Mortgage

RE : XXXX # XXXX My mortgage loan is with Fifth Third Bank. I've been making extra monthly payments XXXX curtailments XXXX of {$450.00} that is automatically withdrawn from my checking account ending in XXXX. My checking account is also with Fifth Third Bank. Fifth Third withdrew {$450.00} from my checking account on XX/XX/21, credited my mortgage account but then reversed the transaction. Regardless of the reason for the reversal, the funds have never been credited back to my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 45 days, I have been reaching out to XXXX XXXXXXXX XXXX regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.
Product: Mortgage

ditech mortgage through erroneous handling of payments I made on my mortgage is claiming that I owe a larger principal balance than is accurate. 

I have spoken with them multiple times, and provided supporting documentation, but they have failed to contact me in return once all information was provided to them - they fail to contact me to resolve the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is claiming I owe them {$5300.00}. I don't know who they are. I have asked them to validate this debt with verification of my signature and they have not. At no time have they validated their claim pursuant to 15USC 1692e ( 809 ).

Please tell them to remove this false and negative reporting which is against 15 USC 1692 2 ( a )
Product: Debt collection

I am currently trying to pay a debt that totals {$58.00} and I am trying to make {$5.00} payments until the debt is paid and the collector is stating she can only take payments of {$50.00} or more. How am I supposed to pay off these debt if I am a single mother of XXXX and helping my elderly parents? Unfortunately we all do n't have incomes that allow us to make {$50.00} payments without worrying about food, gas and other essentials. She is threatening to take legal action when I am trying to pay!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX
Product: Debt collection

I have already disputed this with Ideal Collection- XXXX XXXX XXXX XXXX, XXXX and XXXX on multiple occasions but it keeps getting reopened. This is a fraudulent attempt to collect. I never even lived there. They apparently made up some charges and continue to attempt to collect on fraudulent, phoney, made up charges. 
My superior credit rating has been devalued by over XXXX points as a result and I just cant resolve this fraud issue. 
PLEASE REMOVE THIS FRAUDULENT ACTIVITY FROM MY ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are acounts listed on my credit report that do not belong to me. There are also inquries that do not belong to me. Remove these accounts and inquiries and do not allow fraudulent info to be reported on my credit.. Please send a copy of my updated credit report. 

To remove these fraudulent acounts fom my credit report, along with these unauthorized inquiries. Please send an updated copy once these items have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/25 ( /2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.