23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I once again write to you in hopes that finally you are able to assist me in having the suspected fraud of my foreclosure case and land records gets investigated. 
I have in the past sent you correspondence asking for your assistance and all I get is one of the banks taking forever and then sending me nonsense. 
The Banks/Servicers/Trustees are not complying with the FDCPA, RESPA, and TILA request that have been sent to them via e-mail, letter and through CFPB. The new servicer has been sent QUALIFIED WRITTEN REQUEST, COMPLAINT and DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST and they have not fully responded nor have they provided certificated and authenticated documentation nor have they provided supporting affidavits are required by law. In addition the suspected fraud has not been investigated. Please help me save my home and help me investigate the fraud and have the entities involved comply with the laws. 
The entities involved with my mortgage and foreclosure case is as follows : 1. Originator : XXXX a subsidiary of XXXX XXXX XXXX ( they filed bankruptcy and went out of business in XXXX 2007 ). Bankruptcy Case Number : XXXX 2. Sponsor : XXXX XXXX XXXX XXXX XXXX 3. Depositor : XXXX XXXX XXXX XXXX XXXX 4. Issuing Entity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Servicers : XXXX XXXX, XXXX XXXX XXXX XXXX, Specialized Loan Servicing 6. XXXX XXXX XXXX, XXXX : A company organized by XXXX XXXX XXXX in 2007 which included several platforms and one of them was XXXX XXXX XXXX d/b/a XXXX XXXX. 
7. XXXX XXXX XXXX : The company that acquired XXXX XXXX XXXX, XXXX. 
8. XXXX XXXX XXXX, disbarred attorney who was part of the foreclosure mill in Florida and was disbarred for foreclosure fraud. XXXX XXXX XXXX was the attorney that drafted and filed the assignment of mortgage that was used in my foreclosure action and I suspect it to be fraudulent. 
9. XXXX XXXX, Clerk of XXXX County Court : I sent a letter to the Clerk of Court requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened. 
10. Chief Judge XXXX XXXX : I sent a letter XXXX XXXX requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened. 
11. CFPB : I have filed many complaints and have appealed the response from the different entities but nothing has been done. No investigation has ever been initiated. 
12. Attorney General XXXX : A complaint was filed with this office but nothing ever happened. 
13. DOJ : A complaint was filed with the DOJ as the settlement agreement with DOJ and XXXX XXXX XXXX list in their Annex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as one of the trusts that are part of the settlement agreement having to do with fraudulent activities of the banks. 
See attached for further information.
Product: Credit reporting or other personal consumer reports

I was shocked to find an unauthorized inquiry on my credit report today, with no explanation. I check my credit report routinely, yet this sudden discrepancy appeared out of nowhere. Hoping it was just a display issue, I refreshed my browser, but it didnt disappear. This is extremely frustrating, and I need this matter resolved immediately. I demand a thorough review of my documents to ensure I never have to deal with this again.
Product: Debt collection

I had purchased a timeshare property from XXXX XXXX XXXX in XXXX Colorado I was unable to get reservations no spots were available and they did not do anything to accommodate my vacation schedule they ruined my vacation and my relationship with my boyfriend I feel they are selling more timeshares then they have space to accommodate.
Product: Credit reporting or other personal consumer reports

I have reached out on multiple occasions since 2021 requesting that the credit reporting agency remove the bankruptcy listed due to it containing inaccurate information. I have requested a validation of this information as well as the source of the information. I have yet to get a valid response from the agency and no source of the data. I reached out to my local bankruptcy court, and they reported that they did not provide this information the credit agency and I reached out to XXXX and XXXX who willing removed the inaccurate information from their system and data management database back in 2021. See attached documents. 

1 ) Bankruptcy : Reporting a filing date of XXXX is inaccurate information. Please delete this account
Product: Checking or savings account

On XX/XX/XXXX my company ( XXXX XXXX XXXX ) was asked by a vendor where their payment was. Upon further research it was determined the check # XXXX mailed in XXXX of XXXX for {$5100.00} to the vendor ( XXXX XXXX ) was not received by the vendor, but was instead intercepted, check washed, and cashed on XX/XX/XXXX by some individual we do not know. Thus I contacted Wells Fargo, reported the fraud, and was told to close our account due to the fraud, which we did. Fast forward a few weeks, i called Wells Fargo asking for an update on our fraud case since I hadnt heard anything. I was told there wasnt an open fraud case on their end, which is a failure on their part as i had spent considerable time with the Wells Fargo fraud teams explaining the event and closing/ opening the new account. Thus on XX/XX/XXXX claim # XXXX was filed. The next day it was closed out as i'm told the event wasnt reported timely and because the check in question had my signature and other attributes similar to other checks we've written. Well the attributes are similar because it was our check that was printed in our company 's office and later mailed. This check was clearly washed and modified to a new payee, it doesnt match the information in XXXX , which is the program i used to populate and print the check. Also, regarding timeliness - i wasnt made aware of the fraud check till our vendor notified us. When i reconcile my account monthly the statements Wells provides only give us the check number and amount, it doesnt list a payee or any other information. Its not realistic to expect the customer to log into their online account and examine every transaction posted to ensure the pay to details, among all other attributes, match what was initially mailed and intended. Thus I am filing this complaint to have Wells Fargo return the {$5100.00} that was paid out to a payee we do not know, without our authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report indicates the balance for my XXXX XXXX XXXX credit card as being {$2200.00} when it is actually {$590.00}. It has been over 45 days since my balance was updated and it has taken up to 60-70 days for it to be updated in the past. If the correct balance was on my Experian report it could mean an upward jump of 45 points on my credit report ( my XXXX and XXXX numbers are 45 points higher on correct data ). I have disputed this in the past with Experian and it has not been resolved. So, I attempt to dispute it again and they tell me pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act that they will not process my dispute. Their online dispute process indicates that if I upload additional information that is relevant, they will give it another look. However, their online program will not allow me to upload a single scanned page .pdf file ( file size too big ) for them to consider. As such I have attempted their online dispute with no luck and sent a letter and additional information in the mail with no luck. Considering my actual credit usage is heavily weighted in my credit score, I would like it to be accurate and updated in a timely manner.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confuse about this situation. XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts BLOCKED or REMOVED ASAP!!! 
JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I ordered this phone in XX/XX/2023. It was marked delivered several days after and I immediately opened a claim with XXXX and XXXX as the phone was not on my porch. Weeks went by and while I was refunded, I was subsequently rebilled by Capital One as the tracking number showed the parcel had been scanned to my regional facility. After a few months -- on XX/XX/2023, XXXX responded to my claim and I was able to pick up the device I ordered in XXXX. The issue is however, is that XXXX has locked the phone since I opened a claim and despite opening a dispute with Capital One I am still on the hook for the charges with a device that is unusable. This is my first ever chargeback and was sure that Capital One would have supported me however I must file this complaint due to my thorough dispute claims being ignored.
Product: Checking or savings account

Bank of America offset funds in my personal checking account that are SSI benefits that I withdrew from my son 's savings account with a different Bank. 

I stopped by a branch recently and opened a custodial account for my son 's SSI benefits. We are still waiting for a debit card and since my other SSI account is a savings account without a debit card, I withdrew funds out and deposited into my personal checking account. 

On XX/XX/year>, BOA offset the funds in my account and used it to cover a transaction for an old account that was closed. 

On XX/XX/year>, I called BOA and asked them to return the funds since I am a stay at home dad and the funds are my son 's SSI money.
Product: Debt collection

I received a letter on or about XX/XX/2018 by regular mail from Account Control Technology , Inc. stating they were attempting to collect a debt from XXXX XXXX University in the amount of {$8100.00}. On XX/XX/2018, I responded in writing via certified mail return receipt to Account Control Technology Inc. to cease and desist and disputed this debt referenced in  the letter dated XX/XX/2018. I stated, that I did not owe this debt to XXXX XXXX University nor did I wish to do any business with Account Control Technology , Inc. On or about XX/XX/2018, I received information from XXXX   that negative information was added to my credit report from Account Control Technology , Inc. in the amount of {$8100.00} on behalf of XXXX XXXX University XXXX First, I have contacted the Department of Education and I do not have any outstanding loans or payments owed to the government or to the university as this time which the Department of Education shows I only attended XXXX XXXX for one semester XX/XX/2018 so I could not owe {$8100.00}. When I attended XXXX XXXX my last name was XXXX but now I am remarried as XXXX which I also referenced in my letter. I have checked the original letter & my credit report and there's two different addresses listed for Account Control Technology , Inc. for sending correspondence. How can the consumer know if their letter is being received to the appropriate address. Second, Account Control Technology , Inc. signed for the green card on XX/XX/2018 which I referenced the acct number on the green card & envelope as stated in the original letter. If there was an issue the person that signed for the letter should have forwarded the letter to the appropriate division especially that a reference number was included on the letter. Third, Account Control Technology , Inc. should honor my dispute letter & that is was received timely and that any/all adverse information be removed from my credit report as soon as possible. As I stated in my letter dated XX/XX/2018, I do not owe this debt to XXXX XXXX University nor do I wish to work with Account Control Technology , Inc. And I will also be disputing this with XXXX .
Product: Student loan

On XX/XX/XXXX, I filed Complaint # XXXX regarding an issue with refunding student loans paid during the COVID-19 forbearance period. I filed the complaint against my prior servicer, XXXX XXXX, who responded that they were not responsible for my refund and the case was closed on XX/XX/XXXX, seemingly without anyone from the CFPB reading my complaint or the response. 

Request was made on XX/XX/XXXX with XXXX to refund all student loans paid during COVID-19 forbearance period ( XXXX XXXX ). Call reference number was # XXXX. I was advised on a call two months later that I would not be able to get my student loans refunded because I paid select loan sequences in full, which I later learned was a false statement. In XX/XX/XXXX I learn that my loans are being transferred to Mohela and received an email on XX/XX/XXXX that the transfer process had began. On XX/XX/XXXX, I saw that my account had now reflected my current balance and contacted Mohela to initiate the refund process. I was told it would take 60 days. I called several times over the course of 60 days for updates, and never received any update. After 60 days, I called Mohela and was advised that the wait would now be 90 days following the influx of forgiveness applications from late XXXX following the President 's executive order. Called after 90 days from original request ( late XX/XX/XXXX ) and told loans were still in process. Was just advised today by a supervisor after being on hold for two hours and forty-five minutes that Mohela could not initiate the refund request because the loans were paid off through XXXX, not Mohela. This was the first time I received this information despite calling well over twenty times since original request was made on XX/XX/XXXX. I was directed to call XXXX. I contacted XXXX three times today, XX/XX/XXXX, and each time I call, I receive an automated response that my loans were transferred to Mohela, and I can press zero for further guidance. All three times the call was dropped. I filed the complaint with CFPB # XXXX and XXXX responded that this was Mohela 's XXXX, but Mohela claims the loans were paid off while they were serviced with XXXX, so Mohela isn't responsible. 

On XX/XX/XXXX, I filed complaint # XXXX against Mohela upon learning that Mohela was indeed responsible for initiating the refund request as my new servicer. On XX/XX/XXXX, Mohela responded to the CFPB complaint advising that my refund request had been processed as of XX/XX/XXXX. IT IS NOW XX/XX/XXXX, AND I HAVE YET TO RECEIVE MY COVID-19 REFUND.

Upon investigation from the Department of Education OMBUDSMAN, I learned today that the Department of Treasury has been ready to issue payment for 60 days but has yet to receive information requested from Mohela. That is completely unacceptable and Mohela must be held accountable for its gross failure in handling this matter for the past 9 months.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Inquiry date : XXXX XXXX, XXXX  I have not consented to using my information. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

I am trying to refinance my mortgage that has an interest rate with Chase of of 7.25 % to a FNMA HomeStyle mortgage with XXXX XXXX XXXX XXXX ( XXXX ) at an interest rate of 3.5 %. Chase has been holding up the closing of the refinance due to their attorney being non-responsive and now telling the closing attorney for XXXX that it is going to take another four to six weeks to get the documents signed. In the meantime, the contractor is on hold, the costs of building materials continues to increase, I continue to have to pay over double in interest, am incurring fees to update the appraisal and extend out the lock period. 

Per Chase file was sent to their attorney in XX/XX/XXXX as I had started the process of refinancing from Chase to XXXX. 
As of XX/XX/XXXX, XXXX  closing attorney was waiting for a corrected assignment of mortgage ( AOM ) for the CEMA docs from Chase attorney. XXXX attorney made multiple attempts to reach and obtain the corrected document between XX/XX/XXXX and XX/XX/XXXX to no avail. I called Chase on XX/XX/XXXX. The Chase representative stated that they would reach out to their attorney to expedite. I called Chase again on XX/XX/XXXX as the PHMC attorney was still not getting a response from the Chase attorney. I advised Chase that I would be putting in a complaint with the CFPB. The PHMC attorney received the corrected ( AOM ) shortly after I hung up from speaking with Chase. This morning I have been advised by the XXXX attorney that the Chase attorney is now stating that the turnaround time to get the signed documents is four to six weeks. In the meantime, Chase has not hesitated to continue to send me information on how quickly they could complete a refinance for me. 
This is causing me stress and a serious financial hardship. It may well also adversely affect the appraisal. My appraisal is based off of the after improved value of my home after the repairs and renovations are completed but the continued delays are causing an issue with the scheduling of the contractor and the costs of the materials is increasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXXXXXX XXXXXXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  )  to report the same account for {$1.00} more than what was reported before.
Product: Credit card

American Express has decided to sell or transfer ALL their XXXX co-branded credit card accounts to XXXX. There is no option to continue with the current card. By doing this, XXXX customers ( Including me ) will now have to take a big hit on their credit report for not only closing an account, but opening another ( With the transfer ). They have done nothing to address this issue.
Product: Checking or savings account

I had an open credit card with Chase bank. 

In XXXX, I set-up payments through their customer center to be charged to my checking account through XX/XX/XXXX. 

I paid off the entirety of my card in XXXX of last year. 

Despite the fact that my card was paid off, I was charged {$110.00} on XX/XX/XXXX, which over-drafted my account. 

I contacted their claims center and spent 45 minutes on the phone with them. After being transferred several times, they told me that even though the card no longer exists and there was no balance on the card, they could not credit money to my account. 

So, I am faced with an over-drafted account, potential fees, and hardship today and until I receive more money because of an error on how Chase processes their payments. 

To me, it does not seem right that I have to face hardship because an error in processing that Chase has made. The burden of making sure that my account is not being charged in error ( IE payments being made for a card that is already closed ) should fall on the company and not the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This account has also been closed. When we closed on our home, XXXX XXXX was transferred to XXXX. These lates that are being reported are in error. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.