23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Att : : XXXX XXXX XXXX  From : XXXX and XXXX XXXX Date : XX/XX/2019 RE : True loan modification ( XXXX Intake Dept ) We have questions about this loan modification. 
We want the real estate attorney to review the modification in detail and documents we sent to the XXXX XXXX XXXX. 
We want the Attorneys that viewed the document phone number, email, and their state bar number. 
We want the attorney to sign off on all documents personally. 
XXXX XXXX or XXXX XXXX are they attorneys? 
Our current monthly payment is XXXX The paper work that XXXX XXXX sent for us to sign is a blind modification, without any payment plans, monthly payment, escrow, taxes and insurance. 
We need the number break downs of years and monthly payments. 
The purpose of the loan modification program is to lower our monthly payment making our home more afford. 
According to our case manager, XXXX XXXX stated that Fay Servicing should return to us XXXX that they did not give us credit from last year. 
We received a phone call from XXXX XXXX resprened himself as the first Vice- President of Fay Servicing XXXX stated that Fay Servicing did us wrong and how could they make it right to us. 
The date that he called was the XX/XX/2019. He stated that he was going to send to us certified mail. He called two times. 
This the same tactic Fay Servicing did to us less than a year ago. Our attorney at that time name is XXXX XXXX. Her number XXXX. 
We would like the retainer from all Attorneys including XXXX XXXX XXXX ; the retainer should be paid by Fay Servicing. 
We want the escrow break down, of the loan modification, terms of taxes, insurance and payments. 
Why do we have to accept Fay Servicing loan modification only? 
Why is it taking so long to get the loan modification? 
We need an attorney to call or engage us by email concerning loan modification. 
We want the attorney to seize and stop this tactic concerning our loan modification. 
We want all these questions answer by the attorney personally by letter or email. XXXX XXXX XXXX, ( case manager XXXX XXXX XXXX ) assured us a loan modification we qualify (
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, acct.no.XXXX, A collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner according to the banks disclosure booklet, resulting in more than XXXX @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business cutoff, and taking their time to credit the deposit which paid overnight, the unscrupulous bank self-generated about {$350.00} dollars in fees.FEDERAL RESERVE GUIDELINES FOR HOLDS WERE NOT FOLLOWED SO THAT THE BANK WHICH RECEIVED A DEPOSIT THAT PAID IMMEDIATELY COULD SELF-GENERATE XXXX DOLLARS IN FEES.THE ERROR PRONE, UNSCRUPULOUS BANK HAS NOW TURNED THEIR ILLICIT GAME OVER to the collector, XXXX XXXX XXXX who credit damages me in their extortion attempt.
Product: Mortgage

In XXXX  I mortgage a {$200000.00} home with Wells Fargo, paid my home off within 5 years. I then later refinanced the same home for {$80000.00} in order to buy a second dwelling but then later sold that dwelling. Which the year would of been appox XXXX. I paid approximately {$30000.00} towards the refinanced loan leaving {$50000.00}. My monthly payments started out at {$800.00}. The next year it went up to {$900.00} we called asking them why wells Fargo claimed I didn't have enough equality. So I said fine and went on. The year after that it went up to {$1100.00}. Called back asking why and again they claimed not enough equality. Said fine and went on. The next year went up again {$1200.00}, again the next year XXXX, we kept calling asking what is the deal and they kept claiming the same thing. Not seeing any choice in the matter I just continued to pay it. Seeing that of course they would tell me if I didn't pay it they would send out foreclosure. My payment would go up {$100.00} a year for the next 10 years until I was basically broke and had to sell and move because I received a letter in the mail claiming my payment would go up yet again at the start of the next year making it {$1700.00} a month. I didn't know much about it so therefore I just seen that I couldn't afford it any longer and gave up my home to move into an apartment because it was cheaper. They refused to help me any nor explain to me any reason why it was happening except for I didn't have enough equality. At that time I was approx in my XXXX so I didn't have the patients and I figure they were doing me wrong but I didn't have the money to hire a lawyer and I wasn't about to waste my last precious years on them. But I know what they were doing was wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of storm Sandy in NY in XXXX. Unfortunately that was followed by numerous incidents including but not limited to Home Invasion, Grand Larceny, Burglary followed by ( what I didn't know at the time ) Identity theft. 
I had numerous records and accounts that are associated with identity theft. Said account where opened without my permission and authority and I had no knowledge that these accounts ever existed until I started receiving notices of missed payments and my credit report reflected these negative account ( s ).

Police report was filed and submitted to all Credit reporting companies, however, no actions were taken by any of them in order to remove said derogatory information off my Credit Report. 
Furthermore, my Bankruptcy that was filed due to a lengthy and hideous divorce proceedings that started in XXXX in still on my records despite 7-10 years guidelines set by Rules and Regulations of CFBP. 
I respectfully request your assistance in resolving these issues and removing negative information off my Credit Report. 
Sincerely, Mr. XXXX XXXX
Product: Checking or savings account

On XXXX at XXXX I made an ATM transaction in the amount of {$600.00}, however the money did not dispense because it appeared that the door where the money comes out was damaged. I called the ATM company XXXX ( XXXX ) to let them know what had happened and they told me that I had to file a regulation E with my bank which I did later in the morning when they contacted me back. I gave the bank very detailed information along with requesting that the regulation E be filed which I thought was the case, however 2 days later I got a denial from my bank saying that the request was denied and the investigation was closed. I now call back my bank to see why this was so and requested that it be reopened and also asked if the regulation E had ever been filed and they told me NO. I also confirmed this with XXXX and they told me they had not had any contact with my bank nor was any investigation done by them. How is it they can make a determination when a proper investigation was not conducted nor was the Regulation E ever done on my behalf? The money has been taken out of my account, but I never got the money because the ATM door did not open to take the cash.
Product: Credit reporting

I filed Chapter XXXX bankruptcy that was discharged in XXXX 2015. I applied for a mortgage loan. They were unable to pull my equifax credit. I sent on three occasions my ss card and drivers license. Once my name was corrected, my credit report obtained information from someone with the same name. I disputed this information. Some has since been deleted but now it us showing public records that was once off. This has caused me great issues with my purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$360.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$8300.00} I have sent TransUnion 3 letters over the last 105 days asking them to send me the original application of these fraudulent accounts. They have yet to do so. 
They sent me 2 replys saying their investigation is complete with no proof.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of recents CFPB lawsuit, Highlighting significant issues with the platform. Despite using Zelle numerous times And repositioning discrepancies, my financial situation and Zelle failed to investigate my claims adequately. They informed me to recovering lost funds, was impossible and the tracking these transactions was infeasible. The CFPBs findings indicated 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 consumers safety.
Product: Checking or savings account

I was paid a very good amount by my new employer on XX/XX/2022. My new employer is also helping me monetarily so I can get back on my feet after not working for over a year taking care of my XXXX XXXX XXXX XXXX XXXX veteran grandfather. My deposited check was first approved and my bank gives {$220.00} right away so I will have some money available for a couple days before they deposit the entire amount. I have never had an issue with this before. This time, after the notification of my approved deposit, they sent a different notification saying that it will be held for over 5 days to " protect me from fraud '' and the weekend days involved. I contacted them to find out exactly why this is even a situation because I have never deposited a fraudulent check and I have also deposited amounts larger than the current with no issues before. I was told that the check is being held by the Federal Reserve to verify that the funds would be available from the company writing the check. I was also told that one of the reasons this situation has risen is because they had experienced questionable checks from the same source before and it had absolutely nothing to do with my previous actions. After researching these claims I found out that it was a total lie from the representative I spoke with. I called the Federal Reserve and verified that they were not the one holding my check at all. I also spoke with the General Manager at my new employment and verified that there has never been fraudulent checks written from the business and another new employee was able to cash their check at their own bank with no issues at all. I called my bank again and spoke with a supervisor and only told that it will be requested to be re-reviewed and possibly cleared a couple days earlier than the 5 day to 7 day time frame I was originally notified of. The supervisor did not verify anything, the first representative I spoke with, was true. He also did not say that I was the main reason for the hold. I was given no proper explanation at all. I am complaining because this is a situation that is completely unacceptable behavior from a financial institution that has never experienced fraudulent activity from a customer before. Things like this should not be allowed to happen to people that are trying to back on their feet with help from others understanding the person 's current situation. Completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX , XXXX put a derogatory mark on my credit report saying that I have an outstanding, unpaid balance with XXXX XXXX for {$490.00} ( was co-pay for XXXX XXXX ). I had paid this by check back in XXXX/XXXX. My check was cashed and I have the images of the cashed check. 
Also, I tried to dispute it with Experian and they make it impossible to dispute anything on their web site. They go through a few steps to verify previous addresses, phone numbers, etc to make sure it is really you, then they tell you that you could not be verified and are not allowed to file the dispute unless you sign up for an account with them. This should be illegal. I was able to file a dispute on XXXX   web site with no problems and they didnt try pulling any tricks. 
Furthermore, I have contacted XXXX at XXXX XXXX and she confirmed that I did indeed pay {$490.00} in XXXX and that I indeed was paid completely and have no balance. 
I also called XXXX, explained everything and how they made a mistake and they said theyd look into it and call me back but never did and now I cant even get a hold of a live person again. 
My credit score was XXXX 2 days ago and now it dropped to XXXX in 1 day because of their fraudulent and false report to my credit report. I was in the process of looking at new houses and was quoted a very good interest rate because of my score and now my rate might go up and cost me more money because of their mistake. 
They should be able to sued or fined for this. And the credit reporting agencies just as guilty for doing no due diligence and just changing your score based on some accusation that I didnt pay a bill, which I did pay months ago, and giving me no say or due process to present my case, and making it impossible ( in the case of Experian ) to even do so. 
Something has to be done about this. These companies have too much power to ruin peoples lives with no accountability on their part. The government should never let this happen, yet they allow it.
Product: Credit reporting

For the last 4 month I have contacted XXXX different creditors asking them to send me proof that the accounts belongs to me and I am not getting anything from them. Also I have been filling request with Experian to verified the accuracy of this information and 4 times they keep telling that the information was verified with the creditors. These are not my accounts and no one is doing anything about this. Specially Experian is not doing anything about it. This is against the law, How can they verify something that is not mine with Experian but they are just ignoring my letters.
Product: Debt collection

Spring Oaks Capital LLC purchased an account that used my personal information, without my knowledge, and that account was purchased from XXXX XXXX XXXX. It was opened XX/XX/XXXX  and it is still open. The account information is being disputed, and it meets FCRA requirements. The balance the account currently has is {$560.00}. I was unaware of this account I believe it to be fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 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 neglected to protect consumers and 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

They Always saying it wouldn't affect my credit score but when it did severely I contacted everybody that they Always redirect me to and Nobody Never Helped me!!! And after dealing with Fake XXXX XXXX XXXX my score still haven't got back to where I was before all this Ridiculous XXXX... And with the help of Experian, they're still false advertising the same exact XXXX!!!!!!!
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, NJ who obtained financing for my auto loan with Valley Bank. When it came time to have the loan documents signed, the finance associate that they sat us with had my husband sign all of the loan documents, despite the fact that he is not on the loan, only I am. He stated it wasnt a big deal with this bank hes very familiar and theyre not too picky. Not one signature on the loan documents is mine. 
Fast forward to the present on XX/XX/XXXX I made of payment of {$200.00} XXXX my required regular payment is {$800.00}, I accidently inverted the 2 and the 8 and didnt catch it the day of ). On XX/XX/XXXX I made a payment of {$590.00} to make up the rest of the payment, as it was my intention to pay the whole amount originally. On XX/XX/XXXX I was mailed a delinquency notice that my loan was now 15 days overdue. I called the number on the notice, at approximately XXXX on XX/XX/XXXX, and inquired about the notice as I had made my payment, it was just coming through as two by mistake. She was extremely rude, and informed me that the reason I got the notice is because I need to make my required payment, and that the bank doesnt consider partial payments as a regular payment. I informed her that my bank had sent the money, and again stated it was a simple error I corrected the next day, the payment still wasnt due until XX/XX/XXXX. When I finally got her to understand that that was not my intention, that I wanted to make the entire payment by the due date, she found the rest of the money and stated she was going to fix the payment to be applied correctly that day. 
On XX/XX/XXXX I was mailed yet another delinquency notice that my loan was 15 days past due. I double checked my records, as I knew I made the required XXXX payment ( XX/XX/XXXX - {$800.00} payment not due until XX/XX/XXXX ). On XX/XX/XXXX at XXXX am I called Valley bank yet again and spoke with XXXX, who started to tell me I didnt make the required payment. I AGAIN explained the situation, and that it was supposed to be corrected on XX/XX/XXXX ( I was assured at that time I would not pay any late fees and my credit would not be impacted ). She said she had no record of that, and that she had to send it to a supervisory for review. I asked to be put through to the supervisor at which I was told they had to research it and that I needed to call back later in the week. 
I dont appreciate being treated so poorly my loan has never been late, and its a loan that wasnt even signed by me! I would like the CFPBs help in getting this matter resolved, as it is extremely annoying to receive a delinquency notice every month on a loan that is current.
Product: Credit card or prepaid card

the past feww months when making a payment on my aspire credit card, i go to make my payment because i closed the account i had to make payments from, i use my checking account to make the minimum payment, i hit the make minimum payment amount, and it submits successful, then i checked and it says a few days later that i was assessed a XXXX dollar fee for returned payment for like XXXX centsfrom old closed checking account, so in short i hit the make minimum payment and pay from my checking account they have on file, it makes a payment ( it's supposed to be the minumim amount ) it goes through then on the daate the actual payment is due they try to charge me like XXXX cents for an autopay and i have already made minimum payment
Product: Debt collection

XXXX XXXX XXXX is the attorney representing XXXX XXXX, who has sued XXXX XXXX over debt collection. The suit was filed in XX/XX/XXXX. XXXX was not aware that the suit had escalated to the point of a bank levy, which was withdrawn from XXXX 's bank account out XX/XX/XXXX without prior notification. The levy included the amount owed, interest, attorney fees, and court fees. The total amount being sued is almost double the amount owed. 

Since the withdrawal of the levy in XX/XX/XXXX, XXXX has been attempting to contact XXXX with the assistance of his daughter, XXXX XXXX, in the hopes of resolving the case. 

XXXX can not be reached directly through the number provided. Representatives of his firm answers the phone and the representative explicitly states that they can not provide a number to which he can directly be reached. Representative does not state what position they hold in the firm. When XXXX requested to speak to an attorney directly or for direct phone number, representative stated they can not put in such request giving the reason that the attorneys are either very busy or are out of the office on business. Since XXXX was not initially aware of what the case was about or even how the levied came about, request for more case information and documents was denied by representative. The representative told XXXX the only way to access court documents was to request it from directly from the court. When XXXX asked for any options for the levy to be returned to the bank account, representative denied any other option other than paying them in full for the sued amount. Representative did not make it known that a claim of exemption was available. Recordings of phone conversations with representatives are recorded by the firm. 

XXXX was able to get court documents directly from the court. After examining the documents, it can be noted that the proof of debt did not include list of transactions that was not paid. The proof consisted of a bill that already had the accumulated amount with past due dates. After doing some research, XXXX found that a claim of exemption may be filed for a return of the levy and was filed shortly thereafter. 

On the day of the hearing to determine the claim of exemption, XXXX was not present. After the judge heard each side, judge approved for a partial return of the levy. XXXX stated that other potential resolution in regards to the case could be made by communicating to the other party outside the courtroom. After greeting the other party outside, the other party stated she was a representing lawyer that the firm occasionally hired. The representing lawyer also stated since she is not the attorney assigned to the case, she could not answer any questions that XXXX XXXX had. After leaving the courthouse, XXXX made a call to the firm to see how else to resolve the case. The representative stated since they have not received any information from the court, they could not answer any questions. When requesting to have firm call XXXX back once they receive court information, they rejected request stating that the firm is too busy to make any call backs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed with XXXX to remove a XXXX XXXX XXXX  account off my credit report. The account has been closed and paid in full for a year. It has late payments and is negatively reporting which is causing me to not be able to get a home loan. I have spoken with XXXX and sent letters. They will not budge. I have disputed with the 3 bureaus and they will not help nor budge either. I just want to be a home owner.
Product: Credit card or prepaid card

Received notification with my bill a few days ago that my apr was increasing to 23.4 % and penalty apt to 29.99 %! I spent over an hour with 3 different individuals at the credit card company. None of them was helpful and they passed me on to another number, which said they would not speak with me unless I gave me a copy of my credit report, I have had this card for 40 some years and ordinarily pay my bills in full. I suspect Im being penalized by them for a dispute for a partial balance with a mover. Thats the only change on the credit report I looked up since I bought a condo in XXXX when I had a score of XXXX. 
I was always happy with this card-they would even thank me for my long term membership every time I called. Now they rest me like XXXX. Help!