23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Sometime in XX/XX/XXXX I filed a complaint with XXXX XXXX and through his office the complaint was filed with CFPB ( complaint # XXXX ). My main complaint was against Bank XXXX XXXX as they had taken all the bad loans from XXXX XXXX XXXX XXXX XXXX. CFPB closed my  complaint as BOA claimed that XXXX XXXX XXXX XXXX XXXX has ownership of my property. On XX/XX/XXXX I purchased the property the mortgage was recorded on XX/XX/XXXX, Book XXXX @ Page XXXX. The mortgagee was XXXX  XXXX XXXX , XXXX, XXXX MIN # XXXX, the Lender was XXXX XXXX XXXX , XXXX An Assignment of mortgage was prepared on XX/XX/XXXX, by XXXX  XXXX XXXX assigning the loan from XXXX XXXX XXXX , XXXX to the XXXX XXXX XXXX XXXX XXXX , the assignment was executed by XXXX XXXX who acted as a secretary of MERS when in fact, XXXX XXXX is an Assistant Vice-President of XXXX XXXX XXXX , her signature was notarized by XXXX XXXX who also is a SAenior Business Analyst for XXXX  XXXX XXXX . The assignment was recorded on XX/XX/XXXX in Book XXXX @ Page XXXX. Since XXXX XXXX is not an employee of MERS and does not have the authority to sign in their behalf this automatically prove fraudulent robosigning and faulty loan ownership documentation which is against the XXXX XXXX XXXX and the Regulation X of CFPB. XXXX XXXX XXXX , XXXX has full ownership of the property as the original Promissory Note was not endorsed at all ; the securitization of the mortgage has been violated by mortgage transfer, for that XXXX XXXX XXXX , XXXX is the ONLY one who has the authority to foreclose the property. I requested a modification in XX/XX/XXXX and in XX/XX/XXXX I was awarded with a Home Affordable Modification, which was in violation of Making Home Affordable, the loan was to be modified for 40 years, instead was modified for 26 years, also under Making Home Affordable Guidelines I would have qualified for a Loan reduction as my property was under water instead I ended up with a deferred principal balance and a balloon payment in the amount of XXXX. On XX/XX/XXXX XXXX XXXX XXXX transferred the loan to SLS who has refused to work with me as I am going through a divorce and I am a self-supporter. On XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX issued a check payable to me and my X-husband in the amount of {$10000.00} for fire damage. MY divorce attorney forwarded the check to SLS, on XX/XX/XXXX, up to date, I do not know what happened to this money as I never received the check back or SLS applied the money to the outstanding balance of which would have brought the loan current at that time. I am requesting for this case to be reopened and bank regulators to be assigned to this fraudulent case, and I hope that this time that I will get the help I deserve, need and justice for all.
Product: Credit card or prepaid card

On the date XX/XX/2018 an unauthorize transaction of the amount of {$480.00} was deducted from my account thru a XXXX XXXX atm in XXXX XXXX. I called the next day to report of the issue they got all my information two weeks later i have not received any letters or a phone call of the solution of the claim.i called XX/XX/2018 just to hear that they denied the claim because the pin number was entered right the first time. I was upset because i trust no one with my financial assets how can this be! So im seeking help thank you. 

Sincerly XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I reviewed my credit report and discovered some unauthorized inquiries, I submitted a letter to XXXX XXXX and Equifax and they have refused/ ignored my request.
Product: Bank account or service

I recently linked my Wells Fargo account to my XXXX account and then had a transaction that I did n't not have enough funds for in my XXXX account get submitted as an instant payment from my Wells Fargo account. I had no idea that adding my Bank account to my XXXX would automatically set the Bank account as a backup funding source for my XXXX account and so Wells Fargo then Charged me XXXX non-sufficient funds fees in the amount of XXXX $ and the original transactions that they never even paid were for a XXXX $ trasaction and abother for A XXXX $ TRANSACTION. I called and spoke to XXXX and they sent me a letter to send over to wells fargo explaining the situation to hopefully have the NSF fees removed off the account but Wells Fargo would n't accept the email I tried to send to them and would n't even speak to me about the fee 's over the phone at all so I now already paid the transactions that I did n't even know were going to be charged to my bank and now have a XXXX $ bill for Wells Fargo because they choose to charge me XXXX $ for less than a XXXX $ transaction that they never even paid is there any way to fight this I still have the email letter from XXXX regarding the incident as well if that helps at all! Please let me know thanks!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated.

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies. 
Disputed Item Details : * Creditor/Furnisher Name : [ XXXX XXXX  ] * Account Number : [ XXXX ] * Date of Reported Issue : [ XX/XX/year> ] The following information is incorrect or incomplete for the following reasons 1- Date of last activity doesnt match 2- high balances are showing different 3- date reported doesnt match I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation. 
Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter. 

Thank you for your immediate attention to this matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require any additional information. 
Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Checking or savings account

We have been harassed by phone calls from Regions Bank Collection department in regards to closing our accounts. We sent a letter on XX/XX/XXXX to XXXX XXXX, Quality Performance Management with return of both ATM cards stopping all bill payments and all automatic merchants ' debits from our accounts, and ask the account to be close. This bank has called us over a half dozen times stating that we owe them {$140.00} in fees. We owe them nothing, they took close to {$400.00} out of our direct deposit because they failed to place a stop payment on XX/XX/XXXX, and did not perform the transaction until 10-12 days later. A stop payment request should have been done no more than 3-4 days according to their bank policy. They charge us fees after fees, returned some payments when the account went in total disarray because of their negligence. Now they are threatening us with collection for bank fees and keeps on calling us by phone, sometimes 2-3 times a day each week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an dispute with XXXX twice now. I also spoke with the company who reported the information. They admitted that the information was incorrect but I would have to wait 30 to 60 days for it to update. I have the chat messages as well as a statement from the company ( Affirm ). I did another dispute and attached my documents XXXX still didn't change the information. They said that it stands. But the information is wrong, the balance and late payments. I made two payments in XXXX, and my balance is way less then what they have reported to XXXX.
Product: Credit card or prepaid card

Bank of America XXXX XXXX I logged onto my Bank of America account and intended to make a payment of {$620.00} in order to pay off my credit card. I accidently paid XXXX so I overpaid by {$5400.00} M Monday XX/XX/XXXX I logged onto my XXXX XXXX and realized that my bank account was several XXXX into overdraft. So, I called Bank of America. A representative from bank of America took my bank routing number and told me that it would take XXXX business days in order to get my refund. 
Wednesday XX/XX/XXXX. I called bank of America. The representative over the phone told me that the original XXXX return was incorrect because each transaction has to be invested for fraud and it could take up to 30 days. 
Wednesday XX/XX/XXXX. I was unsatisfied with the answer I got and called back and asked to talk to a supervisor. I was on hold for more than an hour and was able to get a supervisor on the phone. She took my phone number and told me that she would try to expedite my refund. She never called me back Friday XX/XX/XXXX. I Called Bank of America and talked to a representative. The person over the phone XXXX XXXX that I would be eligible to file a Refund research paper trail report on the XXXX business day which is tomorrow and tried to offer me a 3 % cash back option on the card so at least I could get something out of the deal. I asked to be connected to a supervisor. He told me that he didnt have the ability to do that but he would fill out a request and have someone call me back. This didnt happen. 

This situation has caused financial hardship. Even though I have explained that to each representative. This situation has caused a financial crisis for my family. No one from bank of America is has been able to help despite my persistence. Im disappointed that and ashamed that I live in a country were Bank of America thinks that they can treat customers in this manner. If was only a few XXXX dollars that I would just wait it out but XXXX. No way.
Product: Checking or savings account

Between XX/XX/2018 and XX/XX/2018, Zions ' Bank ( hereinafter " Zion '' ) deliberately stacked my transactions so as to ensure that I would incur OVERDRAFT FEES. 

FURTHERMORE, the only reason that I my balance dipped below {$0.00} was because ZION erroneously and/or deliberately assessed {$64.00} for a transaction wherein I had sufficient funds. Zion continually  assessed OVERDRAFT fees in connection with deposits made via XXXX or other payment processors even though the funds are available at the consumer 's end. 

Zion has been engaging in this behavior since the beginning of the year XX/XX/2018 and has been obliged to disgorge over {$1000.00} in incorrectly assessed OVERDRAFT FEES. 

This continuing behavior is tantamount to a criminal conspiracy to defraud its clients and I respectfully seek your assistance with the same.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for IC Systems to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Product: Mortgage

We applied for a loan modification in XXXX of XXXX due to the pandemic. This was supposed to last for 3 months. We received paperwork at the end of XXXX to sign and notarize to agree to the modification. My wife 's maiden name was on this paperwork. We have no idea why since every piece of mail we had ever gotten from them had her married name on it. 

We called about 10 times over the next 2 months to get this updated. Everyone gave a standard response of they are working on it - they in fact were not. On XX/XX/XXXX we were told they finally put in the request to update the paperwork and would send us new documents. 

We received documents ( after multiple attempts to contact ) on XX/XX/XXXX with a due date of XXXX. Every time we call the manager, XXXX XXXX, he does not call us back. I have been given 3 different peoples emails at this point, and no one returns our calls or emails. 

We have asked multiple times now for updated paperwork that is not expired and no one gives us any help. We are now looking at owing 3 months worth of payments at once and do not have any updated paperwork. I am not sure what else we have to do in order to get papers with corrected dates so that we can get back to " normal '' life.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have rights under 15 usc 1681. 
Equifax is also govern under 15 usc 1681. They have violated my right 's numerous times. I demand all accounts listed be removed. 

According to 15 USC 1681 : I have a right to privacy and I did not give Equifax writes to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on my report. Please remove the following addresses. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX  XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure if this is where I would report it but I was told id get help with a secure credit building credit card with a minimum low but they said there is no card available to me but when speaking to a person they said they would send me info and start helping me rebuild my credit but again nothing yet??

I've tried to contact them several times but no help.

Not sure if they are taking advantage of me..
Product: Student loan

My private student loans with Navient. I have been trying to make long team payment arrangements. Over the last few years I have been paying my loans on time by automatic draft. I noticed even though I was on a approved payment arrangement. and paid on time I was being charged {$15.00} late fee on all my loans when I had the funds coming out of my account on time everytime. I called last week to have the payments stopped because I am in the middle of a lay off and I just cant afford to pay for almost {$980.00} a month in student loans payments. I work in the XXXX where I have to pass XXXX and I ca n't have any negative credit history. At this point I ca n't pay the amout they are looking for every month and I do n't know what to do. I called and have them stopped the automatic draft one my loans to give me time to try for a deferment or forbearance. Monies still were taking out of my account. I have been given misinformation and it seems something is wrong when my loan balance is so much more than I borrowed. I just want a payment plan I can make with out having to choose to pay my loans or buy food.
Product: Debt collection

XXXX written statements were received in the mail indicating that a collection agency was seeking to collect a debt. In addition, the statement was also sent to a previous address. I do not owe the amount that it states. 

Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX Phone : XXXX
Product: Credit card

Best buy credit card -They advertise 0 % APR and interested for the first 18 months, after which time 24 % interest kicks in. At 18 months, I suddenly had {$360.00} in interest charged to my card, on a balance of approximately {$600.00}. When I called the company, they explained that the interest balance reflects the accrued interest on all past bills over the first 18 months.
Product: Checking or savings account

I just opened an account with TD Bank. I use a check to open it and signed up for three or four accounts. The check cleared and I use the TD Bank app to sign up for more accounts. The bank stopped my atm card
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit reports, and I noticed several inaccurate accounts and discrepancies that are showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are allegedly listed as being DELINQUENT and/or NEGATIVE, and they are negatively affecting my credit file. I have submitted several complaints to the FTC and CFPB regarding these matters. I am also a victim of identity theft and I have submitted all necessary documentation to support this issue with each bureau. 
I am not liable for these accounts. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX show payment and active dates that are inaccurate for ALL bureaus. This information is inaccurate and has not been verified with any documentation to support its status. I have not been notified and it has been BEYOND 30 days for these inaccuracies to be resolved. THESE ACCOUNTS MUST BE DELETED! 
The bureaus are in clear violation of the law. 
First, 15 U.S.C. 1681A states that I have a right to privacy.

Second, 15 U.S.C. 1681B states that a consumer reporting agency can NOT furnish an account without MY written instructions. 
Third, this is a violation of 15 U.S.C. 1681i ( 5 ) - Removal of Inaccurate/Invalidated credit information. ALL LISTED ACCOUNTS ARE REFLECTING INACCURATE AND INVALIDATED INFORMATION! 
ITEMS HAVE BEEN DELETED AND READDED TO MY CREDIT FILE, AND THIS IS ILLEGAL! YOU CAN NOT DELETE AN ITEM AND ADD IT BACK ONCE IT IS DELETED FROM A CREDIT REPORT! 
YOU ARE ALSO VIOLATING FCRA SECTION 609 ( A ) ( 1 ) AND SECTION 623 ( A ) ( 5 ) - YOU HAVE NOT PROVIDED ACCURATE DATES OF DELINQUENCY ON THE CHARGE OFF/COLLECTIONS AND THE YOU HAVE ILLEGALLY REAGED THESE ACCOUNTS. ILLEGAL REAGING IS A VIOLATION AND IS ILLEGAL UNDER THE FCRA
Product: Credit reporting

There is a hard inquiry on my report that I did not authorize. I called XXXX and spoke with a representative who said that they would note that I called and that I did not authorize this inquiry on my report. I followed up with a letter explaining the same thing. I have not received a response from XXXX and it has been over 30 days. I have uploaded the letter and the certified mail receipt. This inquiry needs to be removed because I did not authorize it.
Product: Debt collection

I got a phone call a week ago from number ( XXXXMO, USA which was Kohls asking me to pay for my debt that I owed to them, which is {$200.00}. I told them at the time that I could not afford to pay the bill. They asked me if I could make payments, and I told them no. ( side note I am currently waiting for my tax return and that was to exactly 1 week ago today. ) This past weekend I started to receive repetitive from phone calls from ( XXXX ) XXXX starting on Saturday. ( Sidenote : this is not the XXXX time I have gotten my multiple phone calls in XXXX day from a unknown number ; please see attached images of my phone log. ) I received XXXX phone calls on Saturday from XXXX XXXX to XXXX XXXX. I received XXXX on Sunday from the hours of XXXX XXXX to XXXX XXXX. Today Monday, XXXX XXXX I received XXXX phone calls between the hours of XXXX XXXX and XXXX XXXX. I have already told them in the month of XXXX that I am unable to make a payment to them, yet I still have been receiving phone calls from them. I understand that I 'm not answering my phone but I work XXXX so I m not going to stress myself or talk on the phone at work. Every phone call that goes to voicemail is just dead air it is really getting on my nerves. 

Over the past month from XXXX XXXX to today I have received a total of XXXX phone calls from XXXX different numbers. The other number is XXXX XXXX XXXX XXXX. 

It is unbelievable how many times they have called in less than a month. XXXX was just as bad in XXXX. XXXX phone calls. I never answered their phone call. I ca n't make them any sort of promises right now. But the phone calls from them came from numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They stopped calling on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 : XXXX XXXX XXXX - Account : XXXX, OpenedXXXX, Amount : {$13000.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned account is a 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 the aforementioned consumer credit account is the result of identity theftandfraud.