23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There is a current motion @ XXXX XXXX courthouse Florida by plaintiff to reset a sale date on this 100 % illegal foreclosure attempt. XXXX is a brief detail of this abuse. 
A. After sitting unprosecuted for over 5 years on XXXX XXXX, XXXX I had Non-Jury ( XXXX ) trial versus Countrywide XXXX XXXX XXXX XXXXXXXX/Bank of America at XXXX County Courthouse in XXXX XXXX , XXXX. Case # XXXX. 
B. Florida 5 year Statute of Limitations ( SOL ) expired XXXX XXXX. 
C. Among the serious deficiencies are:1. Plaintiff lacks legal standing to foreclose. 
2. Robo-signing of documents, robo-testifyer for XXXX XXXX at XXXX trial. 
3. LOSS/DESTROYED ORIGINAL PROMISSORY NOTE upon filing Lis Pendens in XXXX ( only copy endorsed in blank provided ). As of XXXX XXXX, XXXX per robo testifyer personal notes with him at trial, original promissory note still lost/destroyed. 
4. Lender force placed homeowners insurance charged at gouging XXXX, XXXX times normal rate and purchased from plaintiff controlled or owned insurance company.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal dispute letter to Experian to address inaccurate items on my credit report. Along with this letter, I provided comprehensive documentation to verify my identity, including a copy of my photo ID, Social Security card, and a recent bank statement with my current address. 
In my dispute, I explicitly requested specific information regarding the verification process : -Details on how the disputed item was verified. 
-The date when Experian contacted the creditor and furnisher. 
-Contact information for the creditor and furnisher. 
-The name of the individual who verified the item. 
-The method of communication used to verify the disputed information ( e.g., phone, email, mail ). 
-Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process. 
On XX/XX/year>, I received a response from Experian with the following statement : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This response is completely unacceptable and appears to be a blatant violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). The FCRA clearly requires Experian to conduct a reasonable reinvestigation of any disputed items in a consumers file. There is no ambiguity in this requirement ; Experian 's refusal to investigate my dispute, despite receiving sufficient verification documents and a clear request, represents a failure to meet its statutory obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX In XXXX I created credit freezes for me ( XXXX XXXX ) and my wife ( XXXX XXXX ). When my son moved into an apartment in fall of XXXX, and I was able to temporarily lift the freeze for a background check, for my wife as guarantor for the apartment lease. 

We're attempting to do the same today, and have been frozen out of the Experian online services system. We were able to answer the security questions posed by the website, but XXXX was unable to remove the freeze on the account. We are unable to contact Experian by phone, and have been directed to mail information to Texas to resolve the dispute. 

As I created a new account today ( but was nonetheless unable to remove the credit reporting freeze ), I saw that my wife 's credit score is XXXX and mine is XXXX. 

-- -- >>>> One problem with the Experian remove freeze page is that Experian requires two PINs, one 4-digit PIN for the account and a longer PIN for the freeze/unfreeze feature. The freeze/unfreeze page requests the personal PIN but doesn't specify that it is the freeze PIN. This invites confusion on its face, but becomes more likely when a user has not been to Experian site in months or longer. At the least, the freeze/unfreeze page software should alert for 4-digit pins, as they're likely mistaken account pins. 

-- -- >>> A second problem with the Experian online service is that it autofilled our zip code as the contact email, while listing the correct email for email verification. The zip code was correct for our address, but is not our email, so the error wasn't apparent until several ( too many, it turns out ) incorrect submissions, and the Experian website did not recognize that the zipcode was not an email address - a clearly foreseeable autofill error. Whether this is due to Experian or XXXX 's autofill feature, the possibility for mis-filling the form turns what is otherwise a convenience into an extremely frustrating inconvenience leading to much venting typing!
Product: Credit card

A recent divorced mother of XXXX was responding to a job listing on the XXXX XXXX. The individual indicated tthat it was an independent contracting position and that my credit card would be required to conclude the employment opportunity. The individual that answered the advertisement indicated that we would have to meet, at the financial institution and that he had a good relationship with the banks in XXXX and XXXX, Georgia. The XXXX XXXX ad provided a XXXX ( XXXX ) XXXX employment line phone number, where there was an automated individual responding to all calls. The individual stated that the company 's name was XXXX. XXXX and they have access to unclaimed government funding, which they need independent contractors to fund these unclaimed monies through their account and send the funds to a corporation. He stated, he would not need any personal information, just the credit card and to meet with the bank lenders. 

As a recent divorced mother and struggling parent, I was excited about the job over the phone and as, what was the next step on the process. He indicated to meet and bring the credit card, therefore, he could meet with the bank officials. Upon, the scammist arrival, he had paperwork to file out and had the company information readily available. He was however, casually dressed, but I said alright perhaps a low grade business casual attire is permittable. However, in the midst of my vulerability, he took the credit cards and the rest was history. All accounts at Wells Fargo of 20 plus years were comprised and closed, but I stated to the bank, that I was the victim of fraud and I was immediately interrogated. Interested, how the tables are turned, but it is imperative that the public is fully aware of scammers taking advantage of hard working citizens and I am fully committed to assisting with the possible incarceration of all individuals that take advantage of any citizen. I am amist and seeking public exposure of the ability to simply post any ad, at random, whether it is the XXXX XXXX and XXXX or the XXXX XXXX. I am seeking restitution and continual public exposure of these prevailing incidents, therefore, no one else is taken advantage of. What should be my next step?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, Experian, is not authorized to have any of my personal information According to ( .15 USC 1681b permissible purpose of credit report ) The credit reporting agencies were Never given the role to furnish credit reports they assumed the role.According to the fair credit reporting act and I demand that all of my personal information be removed from all three Major consumer reporting agencies to wish this is affecting me financially mentally and physically.I never consent nor Authorizing these credit reporting agencies the right to expose my personal information. I feel totally violated under the ( FCRA ).
Product: Credit reporting or other personal consumer reports

I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to ensure everything was reporting 100 % correct and accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below? Following the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit reportXXXX XXXX XXXX XXXX XXXX  Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage showing on my Experian credit file from XXXX XXXX. This mortgage was obtained in XX/XX/2002 by my mother. We both have the same name and I'm certain this is probably why her mortgage is was mistakenly placed on my report. The mortgage is not negatively affecting my report, however I am now trying to obtain a mortgage myself and this is causing a problem for me. When the home was purchased I was only XXXX old at the time which would make it impossible for my to obtain a mortgage, I was only in the XXXX XXXX. I have made attempts to have this removed so that I can start my home buying process but it has been a hassle. My mother and I do have the same name, however our social security numbers, age, and other things will verify that this mortgage DOES NOT belong to me and I am requesting that it is removed from my Experian report and any other report it may be reporting on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate inquiries on my credit report. 

XXXX  XXXX  XXXX -Inquiry XX/XX/2020 XXXX  XXXX -Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX -Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020
Product: Money transfer, virtual currency, or money service

Robin Hood said I owed money on my account because a couple of transfers didnt go through the way it shouldve. Within a day I transferred funds to my account so that way wasnt at a negative balance anymore. If you currently look at my account today at {$55.00}. Theyve restricted my account from any trading. Ive emailed them countless numbers of times and allThey seem to do is look past it except for one time. I finally got a hold of someone on XXXX and they told me why my account was restricted. I instantly sent them a message back saying that the funds were direct deposited to my account and the direct deposit went through because my account shows that I have money in it. They never responded back. And My account is still Restricted. Its been 3 days. They still have my money and wont respond to me. Unacceptable. They know how important it is to miss a day or not pay attention to your stocks. Ive been sitting and watching my stocks for the last three days make a good return but I couldnt get the return because these XXXX wouldnt let me make an order.Because theyre too lazy to hit a button to unrestricted account that already has money in it. You guys lost me a lot of money and I seriously hope I can get those stocks at the same price that I saw it for the last couple of days. To be quite honest I should file a lawsuit but you guys already have too much on your plate with that. Unacceptable company as soon as my account gets unrestricted Im selling all my stock and Im going to a different app. You guys are disgusting and horrible. I only use you because you have a nice interface but other than that youre complete XXXX.
Product: Vehicle loan or lease

I went into the Schools first branch to ask for help and also to update a name change, they refused to help me they said they weren't able to help me, I called the bank and they kept giving me the run around and the bankers were unsure how to assist me, The information keeps being reported after many years and it continues to affect me.
Product: Debt collection

On XX/XX/2018, Frontline Asset Strategies called my father at his work and told him that they were a collection agency attempting to get a hold of me. My father is not on the loan, and they knowingly called a 3rd party at their place of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have assisted XXXX in making my life extremely difficult to live for the last few years. Theyve done this by reporting false late payments on my consumer reports which led to my scores dropping from the low 700s to the mid 400s. This has in turn affected how lendable I am in a negative way and has prevented me from getting a house, a car, credit, cards or even bank accounts. Its scary thinking about all the sleepless nights Ive had due to this particular issue. The consumer reporting agencies have violated my rights as a consumer under title 15 Chapter 41 Credit reporting agencies section of the US Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok XXXX XXXX XXXX. XXXX XXXX XXXX Pa XXXX XXXX XXXX. Equifax XXXX. XXXX XXXX XXXX Ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.
Product: Credit card

Charges were made on my card without my knowledge. I had disputed the charges where I was issued a new card. After receiving my card I had not activated it for approximately XXXX weeks. On the day I had attempted to activate it I was unable. I called the office and was told that they would investigate the issue. I found a few days later in a text that my account had been closed. I called and asked why since I have never missed a payment. I was told that this was their decision and once it is closed it can't be reopened. I was also told that I would receive an email outlining their decision. I was then given an email stating the same answer, but not as to why it had been closed. 

Upon further investigation I have found that my account had be reopened and then immediately closed. I have taken screen shots of my account and its payment history for evidence if requested.
Product: Credit reporting or other personal consumer reports

I have noticed an inaccuracy on my report. I have made this inaccuracy known to TransUnion. Nothing has been corrected and TransUnion has claimed to have investigated and verified the accuracy of the information. This account is incorrect and is adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX account XXXX XXXX. TransUnion has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since TransUnion has allowed such to exist on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020- Sent dispute letters to XXXX  , XXXX  , and Transunion . disputes are as follows XXXX  : XXXX XXXX- {$230.00} XXXX XXXX XXXX- {$580.00} XXXX XXXX XXXX- {$880.00} XXXX  : XXXX XXXX XXXX- {$230.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} Transunion : XXXX XXXX- {$230.00} XXXX XXXX XXXX- {$580.00} XXXX XXXX- {$100.00} XXXX XXXX XXXX- {$880.00} XXXX Sent Demand to Comply Letters to all three bureaus, Transunion, XXXX, and XXXX
Product: Mortgage

I secured a line of credit on XX/XX/XXXX, in the total amount of {$26000.00} .On XX/XX/XXXX I filed chapter XXXX bankruptcy and received relief on or about XX/XX/XXXX. I was later relieved of my employment about XX/XX/XXXX. I notified the appropriate parties of my inability to make timely payments ... until I could regain employment. Shortly after that, the creditor stopped billing me for the account. All this occurred around the time of the financial upset of XXXX. Some time later I attempted to contact the creditor and was told by the then parent company that the account could not be located. I put it aside until in XX/XX/XXXX when I then put my house on the market for sale. After a title search, it was discovered that the " deed of trust '', for that loan, was still in place. On XX/XX/XXXX, I then contacted the parent company and was again told that the account could not be located. I then proceeded to request a " release of lien '' and was told that after submitting the requested info, it would take a approximately 30 days for an answer. About XX/XX/XXXX I received another request for more info, of which my attorney either submitted or did not have access to. He then requested a balance due or the release of the lien. There has been no communication since that time. The contract for sale of the property had to be dissolved due to my inability to deliver a clear title and am now unable to put the property on market for sale for that same reason.
Product: Bank account or service

Bank of America would not let me open account without providing my ssn
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

I purchased some pottery in XXXX in XXXX. The company sent me the items in XXXX and none of them were the correct items and most were broken. I contacted the company and they agreed to remake them. When they remade them, they sent photos. They were wrong again and I told them not to ship. They shipped anyway. I then called my Chase credit card and described the situation. Chase specifically told me to deny delivery when the items came. I did that and the items are presumably back with the originating sender. Chase has now closed the dispute and charged me for the items they told me to refuse. I am requesting the {$2100.00} Chase improperly charged me. It was Chase who told me to refuse delivery. If they had not, I would at least have the wrong items and could presumably sell them. Because of Chase 's actions, I don't have the items and I am being billed {$2100.00}.
Product: Credit card or prepaid card

I reached out via Email as well as phone and have received no correspondence from XXXX XXXX
Product: Mortgage

In early XX/XX/2021 I began the process of refinancing my home. It was an in house refinance with my current mortgage servicer ( PHH Mortgage ). I went through the process of submitting documents, securing an out of pocket appraisal in anticipation of establishing a closing date. The terms were favorable in terms of the interest rate and the cash out amount I was to receive. When the process was close to being finalized I was informed that I needed a specific type of insurance coverage on the property. The final step was for me to change my policy to a " replacement cost policy ''. That type of policy would have increased my premium by 400 %. The loan was for approximately XXXX, the new insurance would have coverage of XXXX. I asked repeated via email and phone as to why I needed that much coverage. I have yet to receive an answer that makes sense. The loan processors stated that the underwriters generated these terms and requirements. I asked to put in contact with the underwriters several times and asked for a statement from the underwriters explaining why this requirement was in place. I have yet to be contacted by the underwriter or anyone else who could provide clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I received a call from a collection agency about an unpaid account with XXXX XXXX that was set up with my social security number. XXXX determined it was a case of fraud. I was advised to file a police report ( see attachment ). On XXXX XXXX, XXXX I received an e-mail from XXXX stating that they notified XXXX, Equifax, and XXXX. It stated that it would take 30 -90 days for the fraudulent account to be removed from my credit report. In XXXX of XXXX, I was completing a yearly free credit check and noticed that the unpaid account is still showing up on all three credit reporting agencies. I called XXXX and a similar email was sent on XXXX XXXX, XXXX. Both emails are attached.