23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, as of XXXX XXXX I switched to XXXX XXXX XXXX XXXX from XXXX a XXXX XXXX because XXXX keeps sending invoices, 5/3rd Bank ( my mortgage holder ) keeps paying XXXX Home Owners Insurances. XXXX XXXX and XXXX XXXX XXXX is all I Need! I can send you a video of me signing the XXXX cancellation ( XXXX XXXX, XXXX XXXX paper work at XXXX XXXX I tried to cancel XXXX XXXX + XXXX XXXX and It still is NOT corrected ) and my Escrow still shows 5th3rd paying XXXX HOI 's as well as an increase of about {$1000.00} on my XXXX XXXX policy that XXXX tells me is only $ XXXX but 5th 3rd projects to be $ XXXX??? Do they get to keep the {$820.00} just because they project the cost to go up when XXXX tells me they have no plans to increase my payment?? And How can I get this multiyear problem solved?
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out verification form, no one every sent verification of account back over... The information under the accounts dont match the open date, the late payments date dont match, the high credit amounts dont match, the report date and last active dates are no match
Product: Credit reporting, credit repair services, or other personal consumer reports

the account I listed are fraud I check my credit and I found the accounts I never open this is a fraud accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX  XXXX LATE PAYMENTS Credit usage XXXX  % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status Open. Status updated XX/XX/XXXX Highest balance {$2300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Starting I called a phone which I thought was XXXX XXXX XXXX. I reach a representative name was XXXX number XXXXthat i thought was an XXXX XXXX i told him my issue he had me install an app on my device called XXXX. he then proceeded to tell me my device was hacked. He told me all of my accounts had been compromised. He then had a XXXX XXXX XXXX XXXX XXXX department call me his name was XXXX from phone number XXXX. He told me that a transaction was going to go through for {$10000.00} and was being wired to XXXX he stated that a XXXX XXXXXXXX XXXX employee had give all of my credentials out that for this transaction. He stated they were going to have an investigation at the banks in XXXX XXXXXXXX XXXX. He then proceeded and did not let me get off the phone with him to take the {$10000.00} in cash to a Bitcoin Depot which was XXXX minutes away phone number XXXX and deposit the cash into what i thought was my XXXX account however it was not. I have filed a police report contacted all of my banking institutions filed a report with the XXXX XXXX XXXXXXXX XXXX XXXXXXXX department I have a case in XXXX  for fraud I have tried to contact the FBI, FTC and any other Institution that might be able to help. Thank you.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C Section 1681c-2 ) that you, the Equifax credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I submitted a certified written dispute. The reason for my dispute was for 30 days late reporting on my credit file. I firmly believe this is inaccurate information reporting or a system error. I was never late or ever missed a payment on this account. I haven't received a response on this issue ; I have asked 30 days late to remove it from my credit file. I'm challenging this issue through the CFPB to correct this issue and conduct a reasonable investigation. If you refuse to fix this inaccurate information or remove the data from my credit file, you will be inviolate by the Fair Credit Reporting Act. I will open up a sue in Federal Court ; I will open up a complaint with the XXXX. I have supporting documentation to support my sue and complaint. I have a payment transaction date on XXXX XXXX. I made a double payment ; I paid for XX/XX/XXXX and XX/XX/XXXX. I was never late. Account Number : XXXX XXXX Account # : XXXX
Product: Mortgage

I have a mortgage on a house XXXX. When I moved back XXXX, I rented out the house. After being denied the pay that was due me and being fired when I filed a lawsuit to collect, and a tenant that did not pay, I could no longer afford to keep the house. I also had to put my primary residence on the market. I stopped paying the mortgage in Wisconsin and contacted the lender. I requested to do a deed in lieu of foreclosure. I was told that they would not accept that if I did not put the house on the market. I finally talked them into considering it, but they sent me as much paperwork to complete as if I were buying a house. I spoke to them again and said that I did n't have everything they wanted and they said that they would not consider the deed in lieu without it. Someone contacted me to potentially buy the house on a short sale so I contacted the bank again. Same paperwork and they would not consider it without an offer in hand. The potential buyer did not want to go through the formal offer process without knowing that the bank would consider it. I still can not pay the mortgage and they will still not accept a deed in lieu and are moving forward with foreclosure. I now need to deal with their attorneys. I can not use the XXXX Foreclosure Mediation Program because it requires you to be there in person and I can not afford the trip.
Product: Credit card or prepaid card

Hi, it started when I received checks from Wells Fargo. They offered zero percent interest with these checks for purchases, and balance transfers. Balance transfers had a fee for the transaction. 
So I used a check for a purchase, expecting the zero percent rate. After waiting for the check to go through, I noticed the balance to be higher than I expected. So, after looking at the charges made, I realized they had charged me for a balance transfer. The fee was something like {$120.00} dollars on {$3100.00}. So I called them to inform them that I was charged a balance transfer fee, yet it was a purchase. They told me that if I used the checks they were treated as a balance transfer. I explained that isn't the terms available in the documentation I received with the checks. I was supposed to get zero interest rate on purchases. This is not what occurred. I was charged a flat interest rate right off the bat. So this isn't a zero interest purchase, and they scammed me into using the checks, knowing I can't do anything about the charge. The charge was labeled a balance transfer, which it was not. Wells Fargo is ripping people off again! 
Please help, XXXX XXXX
Product: Checking or savings account

On or about XX/XX/XXXX, I opened a bank account with Simple and funded it. Upon information and belief, BBVA Compass had acquired Simple ( formerly " XXXX '' ) at that time and Simple was operated as a subsidiary. Further, upon information and belief, on or about XX/XX/XXXX, Simple was purchased by PNC Bank. ( See XXXX XXXX XXXX  ). At that time, I had bank funds in excess of {$1.00} and potentially up to {$20.00}. 

On Monday, XX/XX/XXXX, I contacted PNC Bank to request a withdrawal and to close my account. I was informed by a PNC Bank " Consultant '' ( Read : Customer Service Representative ) that they could not locate my account. 

Accordingly, I am left to believe that PNC Bank embezzled the funds within my account by virtue of them losing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked all three credir bureaus to verify all the information on my credit report. They said they did but after I have done comprehensive research on my credit reports, I found inaccuracies even after the credit bureau did their research. Here are the accounts with inaccurate information : XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX XXXX. Name of the account : XXXX XXXX, Account # XXXX In accordance with the fair credit reporting act, XXXX  accounts # XXXX, # XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
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 formed me that covering 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 have disputed each of these accounts with the credit reporting agencies. They have closed my disputes with the accounts being reported as verified. According to the FCRA this information must be reported with 100 % maximum possible accuracy and must be reported by the consumer reporting agency that the account is disputed by the consumer. As a consumer, I have a right to privacy. I have not given written consent for these accounts to be reported.
Product: Mortgage

I, XXXX XXXX residing at XXXX XXXX XXXX, XXXX, New York XXXX hereby states for the record with the Consumer Financial Protection Bureau that Nationstar Mortgage LLC and any predecessor as servicer to a mortgage attached to XXXX XXXX XXXX, XXXX, New York was handled abusively during a numerous modification processes. Nationstar Mortgage LLC has assigned a foreclosure process pertaining to a note and mortgage originally procured with XXXX XXXX Mortgage in XXXX with XXXX XXXX XXXX as master servicer to a New York XXXX law firm for foreclosure. 
There are several criteria established that proves that the entire transfer of the note and mortgage were fraudulent, along with an original foreclosure filing in XXXX where I was never personally served. The fact that it took nearly five ( 5 ) years after this initial filing for the legal entity to re-file the original complaint is highly suspect that the note and mortgage are not in any legitimate position to foreclose. 
I was approached by the mortgage servicer on at least XXXX XXXX XXXX XXXX occasions with a modification pre-trial arrangement, all of which resulted in a declination by the servicer. There was never a legitimate reason given for the modifications being declined. 
The collection processes were abusive at all levels against all Fair Debt Collection Practices Act guidelines to remedy a debt. 
The real estate meltdown highly affected my property valuation in XXXX through XXXX, all of which should have been taken into consideration during the modification process, mostly due to the fact that the ultimate responsibility to make the debt whole to investors would fall upon the taxpayers of the United States. Real estate securitizations have become an area that is under attack for using fraudulent means to an end for the American banking institutions. The original note was fractionalized whereas there are multiple owners located in several securitization trances. 
The note and mortgage were split on a level XXXX forensic on public record by MERS, and once again by XXXX XXXX XXXX Corporation as the note was positioned into XXXX XXXX XXXX XXXX several years after the securitization trust was closed in XXXX. 
I will take this matter to an administrative court to offset the foreclosure action in New York XXXX if deemed necessary. However, the letter attached to my submitted modification state on record that I am willing to re-modify the existing mortgage or sign a new mortgage if there is a considerably reduction in principal and interest rate. 
I also request that the Consumer Financial Protection Bureau to monitor the entire modification process that I have submitted to evaluate if Nationstar Mortgage LLC is operating within the amended FDCPA guidelines on modification/foreclosure workouts as of XXXX XXXX, XXXX. ( GUIDELINES ATTACHED )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payments reported on my report thats causing me grief and hardships from getting a home for my family my information is being trafficked without my consent and its casing me embarrassment and unfairness, and I also have falsely been told Ive been pre approved for credit cards that I have been denied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a cfpb compliant ID # XXXX against XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX. XXXX replied on XX/XX/2022 alleging that I still have an outstanding balance of {$2400.00} which is different from what they are reporting to the credit reporting agencies. In XXXX response, they alleged that the balance at the time of loss was {$14000.00}. The breakdown of the settlement from XXXX XXXX XXXX, XXXX stated the contractual Payoff at the time of loss was {$13000.00}. XXXX stated that they received {$11000.00} from the insurance company and {$70.00} from the XXXX company. They did not include the XXXX refund for {$460.00} that XXXX still had as I never received a refund. On XX/XX/2022, XXXX stated in the attached response that they would mail me a copy of the audit, signed contract, and payment history. Today is XX/XX/2022 and I have still not received anything from XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple letters to TransUnion and XXXX regarding a bankruptcy that they have published on my credit report. I have provided both documentation from the court and a copy of my XXXX report that PROVES the reported bankruptcy should NOT be on my credit report. Both agencies continue to provide me with generic responses and neither agency has responded to my multiple method of investigation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is several unauthorized accounts opened fraudulently under my personal information please see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX, the following 13 accounts violated my rights 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 usc 1681 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. I am hereby requesting the following accounts be deleted from 3 credit reporting agencies XXXX, Equifax and XXXX. 
1. XXXX XXXX {$410.00} Acct # XXXX 2.XXXX XXXX XXXX {$62.00} Acct XXXX XXXX 3.XXXX XXXX XXXX {$630.00} Acct XXXX XXXX 4. XXXX XXXX {$360.00} Acct # XXXX 5. XXXX {$1200.00} Acct # XXXX 6.XXXX XXXX XXXXXXXX {$2300.00} Acct # XXXX 7.XXXX XXXX XXXX {$350.00} Acct XXXX XXXX 8. XXXX XXXX XXXX {$870.00} Acct # XXXX 9. XXXX XXXX XXXX {$540.00} Acct # XXXX 10. XXXX XXXX XXXX {$11000.00} Acct # XXXX 11. XXXX XXXX XXXX {$60.00} Acct # XXXX 12. XXXX XXXX {$1300.00} Account # XXXX
Product: Mortgage

In XXXX, I opened a mortgage with Wells Fargo Bank. I kept this mortgage for eleven years. During these eleven years I was constantly harassed by this company claiming I did not pay the mortgage. I received Foreclosure Notices Act 91 even when I was making payments on time to this bank. I was charged for home and property visits which never took place. In an effort to resolve these issues I called repeatedly to their representatives who were nothing short of nasty, lying and intimidating. 
Somewhere between XXXX and XXXX I applied for a Home Modification and was approved for three months. This brought the mortgage down temporarily to {$880.00} per month. After payments this amount I was later told the loan from them was in Foreclosure Act 91 for past due balances. Understandably, they were the ones who approved the Home Modification for {$880.00}. Once again I called repeatedly to Wells Fargo to resolve that my house was and the Act 91 Foreclosure they also wanted the monies back for the Home Modification. In other words, they claimed the mortgage was in arrears and I needed to pay them back the total amount. In my attempts and efforts to pay them back these claimed arrears they refused to accept the check ( s ) with the amount owed. They refused the checks and sent them all back to me. 
Unfortunately in XXXX I lost my house in XXXX XXXX After repeated attempts to call, write and speak to Wells Fargo representatives, but to no avail with this Wells Fargo Bank XXXX 
I would like monetary retribution to what wells Fargo has done to my family and I.
Product: Mortgage

I have spoken and written to TIAA bank for months trying to resolve a trivial matter. My property was recently reassessed for property taxes and as a result all 3 of the taxing authorities will lower the bill for 2019. I have written and spoken to TIAA and despite the passage of several months they have not responded, despite being given documentary evidence of a new assessment and its promise to contact the relevant taxing authorities to get an updated estimate. As a result I am likely paying hundreds of extra dollars into escrow and am carrying an escrow balance far in excess of federal limits.

Secondly I forwarded via fax and mail a borough tax bill to TIAA bank, it has yet to engage with this letter or make any effort to communicate its intent to pay this tax bill in a timely manner.
Product: Debt collection

I have sent 2 Certified Letters on XX/XX/2019 and XX/XX/2019 to Portfolio Recovery Associates, LLC to validate debt and provide me with a signed contract with my signature on the debt they say I owe them in the amount of {$690.00}. I have not received the information requested to Validate debt. All they send are statements from previous creditor that was charged off.