23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There is an additional {$60000.00} on my loan. Shellpoint Mortgage is my current servicer and I have never borrowed any money on my mortgage loan ever!! Shellpoint states it was on there before. It is fraudulent because I have never borrowed on this loan. I need to get a leak fixed and new windows at the house and is not able to borrow because that mysterious loan is on my mortgage. I can not receive any help and will never be able to repay my loan. This is a huge deterrent to my homeownership as I can not afford maintenance on my home that I have had since XXXX. This large sum of money will lead to foreclosure unless I can receive help to remove this fraudulent money!
Product: Credit card

My wife has a complex XXXX XXXX requiring a series of XXXX XXXX. 
We were going from NY to MI for XXXX of these XXXX. 
We booked via XXXX with the owner of a property and explained that the place needed to be kept up due to my wife 's severe XXXX. The owner assured us the property was well maintained and there would be no issues. 
I flew over to MI to check on the place after we booked it and found that it was covered in mold and had massive leaks throughout the home and was uninhabitable. 

I contacted XXXX and the property owner to cancel the reservation, but both refused despite the photographic evidence. I spent a total amount of XXXX minutes in the home. 

Yet I am being charged {$6200.00}, even though I had to find another location for my wife and me for another {$8000.00}. 

We disputed this with our credit card, and they refused to refund the amount even though the services promised were not rendered. No one is taking responsibility, and no one is liable, and this is unacceptable.
Product: Money transfer, virtual currency, or money service

{$2000.00} was stolen from my bank account using Zelle. This action transpired XX/XX/year>.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$56000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
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 XXXX  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. XXXX ) 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.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/22 I Followed a link my husband sent to XXXX website for a sale of {$25.00} shoes. The website looked correct for the shoe company. Check said to XXXX so I ordered XXXX pairs and was charged {$90.00}. I paid through PayPal but when transfer was complete i saw that the money did not go to XXXX but to an individual person. I sent scam request to PayPal. I believe this is a scam, possibly through a social media site
Product: Debt collection

XXXX canceled my contract because I was on roaming, so I should n't be responsible to pay them, they canceled me I did n't cancel.them.
Product: Debt collection

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g I clearly sent, '' Wells Fargo '' a cease and desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.
Product: Vehicle loan or lease

I purchased a car in WI where I live in IL, as I've done on multiple occasions given my brother works at an XXXX XXXX in WI. The car was initially titled in WI as it always is where I then need to title/register the car in IL. My loan is via Citizens One that uses a 3rd party ( XXXX XXXX XXXX ) that charges a fee to send the physical title to the DMV in IL. XXXX told me that Citizens One should take car of this for me, as they would need to charge a change of state ( when someone would move ) for {$44.00} to send the title to the IL DMV. Citizens One filed a case number earlier this week and told me they would take care of this for me ( especially given I've never been charged a fee for this action with the 8 prior vehicles I've purchased from my brother in WI ). I followed up with Citizens One this morning only to find that they are refusing to cover the cost or do anything about it. I know this is only {$44.00}, but it is more the principal that they said they would cover it, and that they know that the 3rd party is going to charge fees for every customer they have in order to do any kind of title transfer where any other bank would take care of that transaction including any associated fees. Thanks in advance for looking into this, as I feel Citizens One is taking advantage of all of their customers by hiring XXXX and washing their hands of doing the simple things a loan company should be doing while making money already with the interest rate they charge,
Product: Student loan

Heartland ESCI a federal loan servicer has allowed their security certificate to lapse exposing us borrowers to data risks. The certificate has been expired since XX/XX/2022 and even when choosing to navigate to the website without this security measure in place ( because I absolutely need to ), I am unable to as the website is down. It's no surprise their payment processing and automatic debits are still working well. I have been making payments through this whole student loan stoppage and now can't access my interest tax forms because of their failures. Can't even log into an account to stop the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had an issue with " caliber home Loans '' Made a payment 7 days before the 30 days due date because of an error. 

Check was dated before the 30 days But they don't receive checks electronically so they received it 2 days after the 30 days and report me. 

When their rep called me for the payment I payed on my online banking with him on the line, he didn't tell me it takes them time to receive checks. 

I was never later for a payment before, ever. 

Spoke to XXXX their supervisor He said he see that check was dated on time but they received it after a week. 

Didnt want to help me or even to at least post that payment was made one day after the 30 days late.

I need to obtain a mortgage and I need this to be corrected. 
I desperately need your help. 

Caliber home loan XXXX
Product: Checking or savings account

I write to you about my Citibank banking account I opened while I was studying in the US. 

On XXXX XX/XX/2017, the Bank notified me by mail that they were taking action to close my account, and they wrote to me that they were going to mail me a check for the remaining balance in my account after it closes ( almost XXXX XXXX usd ). 

I didn't take any action and just waited for the check. 

Subsequently, on XXXX XX/XX/2017, the Bank confirmed to me by mail that my account had been closed, but, contrary to what was written in the previous letter, they asked me to provide instruction otherwise the funds were being held by a Citibank branch. 

So, on XXXX XX/XX/2017, I wrote the instruction, but unfortunately, I haven't received anything so far. 

Later, I called Citibank several times and wrote them a couple of letters requesting to send me back the remaining balance. 

Citibank has never answered to me and they still keep unlawfully my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has failed their GRAVE DUTIES under Tittle 15 USC 1681. Experian is in federal violation under 15 USC 1681b they DO NOT have my written consent to furnish a report on behalf of the original creditor. Under the Gram Leach Bliley Act EXPERIAN IS A FINANCIAL INSTITUION and under 15 USC 6802 and 6821 I have the right to privacy and having my nonpublic information not reported and opted out. EXPERIAN has not been respectful to my right of opting out and privacy and have not exercised their GRAVE DUTIES under congressional findings and removed the demanded information from my report. EXPERIAN is in FEDERAL VIOLATION and is liable for damages under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent unauthorized use of my credit report and credit card.
Product: Payday loan, title loan, personal loan, or advance loan

I have gotten numerous pay advance from chime and when I won money online it repays my my pay back partially or in full I won money a couple days ago it paid part of my my payback I got another {$200.00} today and for some reason my account for my my pay is suspended and they said it has to be a {$200.00} limit within a 36 day. Which was {$430.00} all together as well as unprofessionalism lack of accountability false advertisement I did a dispute back in XXXX I had to dispute it XXXX different times with the promise of a provisional credit each time within a 10-day period and I never received any of it, THE NEED TO BE SHUT DOWN..Not to mention when I did my dispute they came up with four different amounts for the dispute which in reality is only onXXXX but they open XXXX different ones because of it.Please adresss this for there are other like my self who are on social security trying to make ends meet during the month, and with a bank like this they can't be trusted and lie to there customers with whatever bogus saying they can think of out of the top of their head... I have attached screenshots in regards to my my pay as well as the dispute if you look on the screenshots you can see that there are different amounts for it which in reality is only supposed to be one...
Product: Checking or savings account

On XX/XX/XXXX, I was notified that a charge was made to card through text message. I called the number and they posed as my bank. They had my personal information and bank information which made me believe they were legitimate. However they transferred money from my savings to my checking and used cash app to take all money away which was XXXX dollars. I contacted Navy Federal immediately to say I was stolen from. Navy Federal denied my claim and state now I owe the money back. They did not call or text me asking for more information.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XXXX My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX My employer is : XXXX XXXX
Product: Checking or savings account

I was scammed by someone. I wired money to an account at XXXX XXXX thinking that it was to purchase a watch but turned out to be fraud. I bank with chase. Chase refuses to write a letter of indemnity so XXXX can wire back the funds that were part of a scam. XXXX is willing to send me back the remaining funds due to fraud but chase refuses to send letter of indemnity stating that I sent the money that it wasn't taken form my account. This is still a scam and an act of fraud. I have tried contacting chase multiple times and they will not send letter.My money is still with XXXX as we speak and I am not getting my funds returned. XXXX has a policy that they will only accept letters of indemnity from another bank, but in this case my bank will not write it. Please help
Product: Vehicle loan or lease

Wells Fargo Auto learned most of these illegal tricks from XXXX XXXX. At XXXX XXXX, none of my payments were applied to my auto loan. No matter how strong a case I have against Wells Fargo Auto, no attorney in Texas will take the case against Wells Fargo Auto. Wells Fargo Auto, when it acquired XXXX XXXX Wells Fargo, orcastrated the falsifying of the books to make it look like the payments were applied. Then, Wells Fargo filed the certified documents in a Texas state court. All those fraudulent Court documents that I claim are in Texas XXXX Court I have asked for Wells Fargo to pay me what they owe me, all I get is a call from Wells Fargo that they still refuse to pay me.
Product: Checking or savings account

My card expired and Ive requested five replacement cards but havent gotten them and now they are saying I can not access my account without a debit card number that I do not have and I do not have access to the funds to this account. The first time I requested a card was XXXX and today XX/XX/XXXX I spoke with a supervisor who said since I dont want to take her advice I can figure it out on my own and that there was nobody else within the whole company I could speak with. I didnt like her demeanor and I dont like that she is refusing to help me. But I have been going through this process since XXXX and they allow me access every time and I have to send money to XXXX in order to get my funds but for some reason today they were just not feeling like helping me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX Balance Owed : {$33000.00} XXXX  XXXX Balance Owed : {$1700.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

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

I contacted the credit bureau to find out information about a bankruptcy I was disputing. I was within my rights to ask who the furnisher of this information was as per the FCRA. The customer service representative did not want to disclose the information I was requesting. After going back and forth the customer service representative lied to me and said the furnisher of this information was the court house. I then called the court house and they informed me that they do not send any information to the credit bureaus and it states the same information on their website XXXX XXXX XXXX XXXX XXXX I was lied to about how my information was being reported and that is a direct violation of my rights according to the FCRA. According to the FCRA the bureaus are required to disclose this information upon request. I also disputed the information via certified mail and received a simple response of verified with no further explanation of how this was certified. I am respectfully requesting that this bankruptcy be removed from my credit report as per the fair credit reporting act. Thank You
Product: Debt collection

According to 15 USC 1692g as a consumer I do not owe any alleged debt. I have tried to dispute this information and I had little to no luck. Delete this information from my credit report. It violates my rights as a consumer and it violates the law 15 USC 1692 G.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. This account : XXXX # XXXX, {$1100.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. No Contracts Made for Total Balance {$1100.00} The Account attached to this dispute violates my rights. 15 USC 1681, section 602 A. States I have the right to privacy. 15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions. 15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Incorrect Address, Inaccurate Amount Altered by Dealer ) ( Did NOT SIGN ) Company made aware of these discrepancies upon origination. This investigation has exceeded 365 days. Delete from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told I 'd be sent a credit balance refund for over 3 thousand dollars from XXXX. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. XXXX was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau. 


I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with XXXX again. Their business tactics have been disgusting and appalling XXXX is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query
Product: Payday loan, title loan, or personal loan

One Main Financial did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Product: Credit reporting

XXXX reported to the Credit Reporting Agencies that I made late payments from XX/XX/XXXX to XX/XX/XXXX. I was discharged from my Chapter XXXX bankruptcy XX/XX/XXXX and I have missed on payment in that year. They are reporting my late payments that occurred during my bankruptcy. They never gave me any notice during the bankruptcy that I was behind and instead falsely reported that I did n't make any payments for 8 months in XX/XX/XXXX. I have bank statements showing I paid the company every month accept XX/XX/XXXX and that is when I entered into a loan modification and was told not to pay that month. This false reporting has cause me not to be able to obtain lending. They should not have reported anything that happened during my bankruptcy they also never told me during the bankruptcy that I was behind making payments. Also, around XX/XX/XXXX I made a double payment and at the time asked them if I was all caught up on my payments to which the representative replied yes. They have a message that all phone calls are reported so we should be able to check the records.I have tried to dispute this issue with the company and the credit reporting agency to which they responded that they company is accurately reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I receive a letter from Jefferson Capital stating that I have paid debt that was owed ad they will be removing this account from all my consumer reports. XXXX and XXXX has removed the account. Im asking that this inaccurate account e removed as well immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit agencies about kia reporting 16 charge offs on my credit reports but this account # XXXX and the other loan that i have had with kia ending in XXXX on a XXXX XXXX These both need to be Included in Bankruptcy on my credit reports since they are in my bankruptcy kia failed to file these claim by the bankruptcy dead line so they are not getting paid