23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Client is on Deed along with her mom and dad. There is a first mortgage that she is not listed as a note holder, there is a 2nd mortgage where she and her mom and dad are all XXXX listed as note holder. Mom and Dad have both passed away and daughter applied for a loan modification made 3 trial payments & was then advised that thy cld n't proceed with perm mod due to title issues. That was XX/XX/XXXX. We spent the whole year working on getting an assumption with a simultaneous loan modification. In XXXX a new trial mod was offered and an assumption package was sent as well as the closing documents for the loan to be transferred to the daughters name. Then in XXXX after making the 3 trial payments and all the paperwork being signed the lender transferred the loan without completing the permanent modification and closing the deal on her assumption even though thy had been sent everything and it had been verified through the lender that all required actions had been taken. Now the loan has been transferred and they are not honoring what the original lender started and should have finished. We are now after a year having to start from scratch all over again. Client had a tpa from mom prior to her passing and now XXXX is refusing to speak to her because she is not on the loan and there was no probate since she is the only heir and the property was already deeded to her. Her 2nd mortgage refused to modify the payment even though she had gotten a loan modification on the first and they have set a foreclosure hearing for XX/XX/XXXX. The tax value on the home is {$140000.00} however, it is in extreme need of repairs and she owes {$86000.00} on the first {$45000.00}. They denied her assistance due to negative cash flow. However, with the first mortgage payment reduced down to approximately {$350.00} if they adjusted the payment on the XXXX it would have been affordable.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 infeasible. The CFPBs 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 or other personal consumer reports

am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER : XXXX XXXX XXXX Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received am response from them, please help me immediately delete these accounts. Here I add the FTC repor hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously submitted my complained against TSI collection services by their client XXXX, XXXX after My name was placed on the debt collection list without my authorization. The company denies that it is their claim via adverse action and in violation of 12 CFR 1002.9 regulation B. I would like remedy in this process
Product: Credit card or prepaid card

I have 2 separate Citibank cards that they both dropped the available credit balance to essentially what I owed on each which was 35 percent or less of cards being used I had nearly 700 credit and never late on payments
Product: Prepaid card

I 'm currently with the Rush Card thru XXXX XXXX ... as you guys probably already kno it 's been 8 days and we still ca n't access our hard earned money nor speak to someone at customer service! All of my bill are due and their is nothing I can do ... .I think it 's sad we ca n't access our money
Product: Payday loan, title loan, or personal loan

I was sent an email from CFPB which involves one main financial. The problem I see with this company is the add on interest and other high prices interest they made you take out in order in be approve for the installment loan. I was in a rough spot so I borrowed again and was hit with the add on interests.
Product: Debt collection

This consumer is a victim of XXXX WELLS FARGO XXXX XXXX  ( WFA ) ; XXXX XXXX, XXXX XXXX ( XXXX ) usual setup of unfair practices. I detected deceptive activities in connection with the extension of my credit to mislead this consumer, which invoked federal questioning. 

I executed a Cease & Desist ( CD ) certified order notice XXXX, received on XX/XX/XXXX, to executives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, informing them of my right defined under 15 USC1692c, this consumer completely, unambiguously denies & object the entirety of alleged debt per 15 USC1692c ( c ). WFA ignored & violated my certified CD order notice. I received continued harassment & obscene language on XX/XX/XXXX & XX/XX/XXXX. 

On XX/XX/XXXX WFA violated 15 USC1692c ( a ) ( 1 ) ( b ) ( c ) ; 15 USC1692e ( 4 ) ( 5 ) ( 7 ) between the unusual hours of XXXX - XXXX & disgraced this consumer in an attempted seizure ; wrongful possession they did not have express permission from a court of competent jurisdiction, by hiring a third party XXXX XXXX XXXX XXXX XXXX ( XXXX ) to unlawfully invade on my personal Property causing a breach of peace within Gov. Military housing. 

WFA violated my right to privacy as defined by 15 USC6801 by communicating & selling to third party XXXX  for profit, my private financial & private location information without my expressed written consent, in an attempt to unlawfully seize my private property, per 18 USC1028A is considered aggravated identity theft ; Infringement of my intellectual property rights & disrespecting the privacy of this consumer. 

This consumer is not in possession of any documentary evidence as defined as 15 USC44, proof of claim under penalty of perjury & Per to Rule 1002 ; G.A.A.P ; forensic audit trail evidence that WFA loaned this consumer real money or credit ; evidence of indebtedness to prove monies left WFAs account, my right per 12 USC 5533 ( a ). WFAs has Collected extensions of this consumer 's credit by extortionate means.

WFA act as if they are unaware of the Federal law ; Federal law does not apply to them ; ignoring federal laws & their responses are avoidance from federal laws that they are bound to. 

Threatening this consumer for an alleged debt, with no proof of claim. The instruments were in violation of the federal law, specifically the Consumer Protection Act from inception. I have been discriminated against because I have in good faith exercised my Rights as defined as 12 CFR 1002.2 ( c ) ( ii ) ; 15 USC1691 ( a ) ( 3 ) & have trespassed on my Rights.
Product: Debt collection

Sofi send response you have check my id intelegence check Id was occurred because lost my residence and driver license I need proof this investigation because my name is already change never opened account with your company never received validation of proof this debt under doctrine I lf you have. proof selfi send me proof this picture and driver license yor scam because not s correctly I dont accept this result trying several time contact us and dont received your proof nothing you have my information because lost everything is match in otherwise account yo say is opened fraudulent ready close for XXXX XXXX XXXX Need proof all your investigation
Product: Mortgage

I had an insurance claim and the check was made out to the servicer and to me. They have had the check for weeks and are finally planning to send to me today. I have spent hours on the phone and website to get resolution. They are sending to me for endorsement and then I have to send back to them so they can deposit the check and then send me 25 %. The loss occurred XXXXand it has been raining inside my house. 

They refuse to send me all of the funds because I was on COVID forbearance. They refuse to change their decision. 

This got me thinking as to how it can be legal that I do to get to choose my own servicer. Shouldn't TRID protect me from being forced to do business with a company? Why don't I have my own choice to shop around? I would seriously like to talk to someone about this. 

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mr. Cooper purchased servicing on loans and is using the customer base to market its refi services and offer discounts with certain real estate brokers to its clients. 

Although they are probably allowed to do that legally, I should not have to spend my money on a company who is trying to put me out of business, yet aI have no choice. How does this protect me, the consumer? 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have had to dispute the same account 4 times. They have a balance sitting in collections as a charge off for an item that was included in a XXXX XXXX which was discharged XX/XX/2020. They have updated it a few times and it keeps coming back. They are in violation of the bankruptcy automatic stay and the next step will have to be obtaining counsel.
Product: Credit reporting or other personal consumer reports

*Company name CLARITY did a soft pull on my credit report multiple times on : XXXX AND XXXX AND XXXX I did not initiate any transaction or relationship with CLARITY that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 
This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. CLARITY willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. 

Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these inquiries are unauthorized. 
The following inquiries must be removed immediately : XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> DEPT OF ED - XX/XX/year>
Product: Debt collection

PYOD LLC is listed on my credit report as the business that is certifying that I owe a debt to XXXX XXXX XXXX. However, I requested documentation as to the validity of the debt on or about XX/XX/2020, to which the company did not respond. I then disputed the debt requesting validity of a debt owed to PYOD LLC and that XXXX XXXX XXXX had my signature permitting the debt to be sold to or transferred to PYOD LLC. This was done through all three ( 3 ) credit bureaus but I have not received a response despite several requests for proof of the validity of the debt and proof.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion reported an account that has been closed since XX/XX/XXXX. Upon disputing that account several times they have failed to remove the account that took my score from fair to below average. The account in question is XXXX XXXX whom have provided me with a direct line and extension to be contacted and give to Transunion along with a confirmation. 
Confirmation code : XXXX Ext : XXXX Amount settled XXXX Transunion has been notified by me and the debt collector and has failed to fix this problem and or in violation of fair reporting act. Please remove this issue immediately as follows : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was leaked by Equifax due to inadequate cyber security measures.
Product: Credit card

This AMEX giftcard has been very frustrating. While it claims to be able to be used wherever amex credit cards are accepted, this card has not been accepted anywhere. 

So, now, the person who purchased this for me thinks they gave me a nice {$500.00} gift, when in fact, AMEX took their money and has effectively kept it all. 

Support regarding this card has been nearly impossible. I tried calling their suggested number, and it does not allow you to speak to a representative. I called another AMEX number in hopes to get support that way, but the person who I spoke with could not help. 

This is simply not right. I have also seen several other complaints like this on XXXX, so this is clearly a known issue impacting several customers that AMEX has still not addressed.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX XXXX owner Of XXXX XXXX XXXX purchased a motor from XXXX XXXX XXXX XXXX XXXX New Jersey for a job on a XX/XX/XXXXXXXX XXXX XXXX. When the motor arrived it was broken, when he contacted Seller from XXXX they stated they would send out a different motor and pick up the broken one, which they did. When new motor came it was the wrong one and could not be used for the job. XXXX again contacted XXXX and informed them that due to a broken motor and now the wrong motor being sent that he could no longer wait and would like them to pick up the wrong motor and void sales. Motor was returned to XXXX. However there was still a charge of {$1300.00} that had been charged to the Businesses Chase Ink card. XXXX then opened a dispute claim informing Chase that he did not have any of XXXX XXXX product and canceled the sales due to them not being able to provide the right motor for the job. This dispute has been open since XX/XX/XXXX with them " resolving '' the dispute with XXXX XXXX XXXX still owing CHASE for the payment! XXXX has provided all information CHASE had asked for and informed them NO product was kept and yet they still want XXXX to pay them for the Charge of {$1300.00}. WHY ARE WE BEING BILLED FOR NO PURCHASE? WE HAVE NO PRODUCT SO THERE SHOULD BE NO CHARGE AS SALE WAS VOIDED!
Product: Credit card or prepaid card

On XX/XX/23, XXXX XXXX  sent me a notification about credit inquiries from Comenity Bank. Someone fraudulently applied for credit cards for XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

I have called XXXX and Comenity Bank about the issue and so far the fraudulent activity remains on my credit report.
Product: Credit reporting or other personal consumer reports

There is an item that shows up from two of the credit bureaus. It is a large line of credit on a credit card, about half my annual salary. When I inquired, I was told that I was an authorized user on the account. The problem is that I dont even know who the card holder was, and I have no way to contact them. A letter from Citibank, which has the account, tells me to call a number which is automated in order to reach someone. This would require me to be privy to information I never had, including a PIN number and a social security number. So I have no way to reach the cardholder and ask that I be removed as an authorized user, and I do not have the card, so have no way to use the card anyway, and I have no identifying information to get through to customer service to request further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 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
Product: Credit reporting or other personal consumer reports

Hard queries have been made that were not authorized by my 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
Product: Credit reporting or other personal consumer reports

On XX/XX/ I contacted Experian to have them remove all late payments showing on my consumer report because they are negatively impacting my credit. I informed the experian representative that I did not authorize this information to be on my report and under FCRA laws 15 USC 1681a paragraph 2 titled exclusions sub chapter ( a ) ( i ) states that transactions are not included in the consumer report. A late payment even though it may be negative is still a form of transactional history therefore this information reporting to my consumer report is a violation of this FCRA law. The representative told me that they are not responsible for the information being reported and asked if I contacted the companies. I explained to the representative that I did contact the companies and all of them explained to me that 60 days after an initial report they no longer report any information again and they cant do anything about those transactions showing on my consumer report. This information was given to the representative by me and I was told that the only thing that can be done is to file a dispute against all transactions. The representative made the dispute in the system and told me to wait no longer 30 days for the investigation and a decision. The results of the dispute was not in my favor. This is a clear violation of my rights and I would like this issue resolved immediately.
Product: Checking or savings account

I'm hoping that by submitting this complaint you may be able to escalate this issue to TD Bank Customer service Dept. My name is XXXX XXXX XXXX XXXX. I currently bank with TD Bank and I have a joint account with my son XXXX XXXX. Unfortunately, the bank managed to withdrawal {$180.00} out of our account. The memo had no information that suffice the withdrawal. I am requesting for TD to actually provide information, proof of the withdrawal and the funds to be placed back into out account. It seems to me that the Banking Fraud and Technical Support/Web Support team should really look into the account to figure out who has access and to link the actual withdrawal to the company. Access account by names I've provided joint account & {$180.00} withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both XXXX and XXXX  regarding collection bureau of America intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with CBOF on XX/XX/XXXX, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact CBOF can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unhappy about Equifax 's negligence in securing their data allowing a recent exposure of my personally identifiable and sensitive information, and am now at risk of identity theft.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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