23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in active review for a loan modification since XXXX/XXXX/XXXX ( see attached, email receipt from M & T Bank acknowledging a packet has been received ). I had complied with all of the document requests ( see email chain between my counselor XXXX XXXX and M & T Bank, XXXX XXXX was sending the documents through the portal on my behalf ). As you can see, M & T failed many times to respond to XXXX requests for updates on my loan, and when she tried physically calling to M & T bank since she was n't getting written responses, M & T Bank told her they did not have authorization on file, when it was faxed to them once on XXXX/XXXX/XXXX and again it was sent with the packet submitted through Hope Loan Portal on XXXX/XXXX/XXXX. There were so many delays on M & T Bank 's part that XXXX XXXX had to get a 3rd party involved to try to force M & T Bank to respond ( those emails are also attached ). 
XXXX XXXX had to refax the authorization form twice in XXXX XXXX after trying, but failing to get an update on my file. She refaxed the authorization form to M & T on XXXX/XXXX/XXXX, and they said they did n't get it, which caused another delay. She then tried emailing again though Hope Loan Portal to no avail ; then refaxed it on XXXX in desperation. M & T finally received that one ( I have an acknowledgement letter attached ) and then told XXXX XXXX the house had already sold at foreclosure auction on XXXX/XXXX/XXXX. 
My house sold because I did not have a copy of my pension award letter ( you can see that was the last thing they wanted ) - I could not get it that fast because the award letter had to be mailed, my pension benefits department would not fax it to me. M & T did nothing to help stall my foreclosure sale date even though they were only waiting for ONE document, and they had plenty of time to try to stall the foreclosure to help me get my documents to them. They also caused numerous delays, as you can see, by not responding to update requests in any sort of timely manner. My house would not be sold if they were doing their job in helping me delaying the foreclosure by a few days to allow me to get a copy of my award letter. I complied with all of their requests and unfortunaltely I could n't make my pension benefits department " hurry up ''. Even though they did n't have the actual award letter, I did send them the pension statements I get in the mail each month and the amount clearly does not change ; also my bank statements I sent to them every month show the same pension deposits every month - unchanging. Despite all of this, M & T kept moving forward with foreclosure because I did n't have the ACTUAL award letter even though they see it stays the same every month.
Product: Money transfer, virtual currency, or money service

I took a debt consolidation loan out in XXXXXXXX XXXX  ; My mom co-signed the loan and have accounts with XXXX family credit union. I was told that the procedures were to either give the check ( s ) to the loanee or mail directly to the institutions because I live out of state the loan manager mailed the checks to the different institutions. Three were sent appropriately and XXXX is disputed. XXXX said they sent it to Cardmember Serice to a XXXX XXXX XXXX XXXX, XXXX The check has my name and my XXXX account in the memo of the check and the XXXX loan manager said she included a copy of the statement with the check. However, XXXX confirmed they did not receive it. The check was cashed by Wells Fargo. Wells sent a letter to me that the check was not deposited into any of my accounts. XXXX said they mailed it to the XXXX XXXX XXXX, we don't know how it got to Wells Fargo and why they cashed it. A complaint against Wells Fargo is also on-going. 
XXXX said they do not know who to contact at Wells Fargo and suggested he go to Wells Fargo to find where it was deposited. Wells told him to have XXXX file a complaint, which in process.
Product: Vehicle loan or lease

I got a loan through XXXX which the loan is through Global Lending Services they h keep reporting on my credit report late payments which I sent a letter to them explaining that late payments on a consumer report is illegal and fraudulent and they need to delete it off my credit report from all credit bureaus all they sent me is bills and what I owe.
Product: Credit reporting

noticed that my credit scores continue to drop. See attached documents from XXXX. Nothing received from credit agencies on why scores continue to drop. 
Continues to have a devastating impact on credit worthiness. 
Attached documents submitted to support case numbers XXXX ; XXXX ; XXXX. 
These scores could prove negative, when decisions are to be made on a recent request to refinancing VA loan. Continues to have a devastation impact.
Product: Debt collection

I received a letter from your company that the alleged debt has been purchased. 
Your company is owned by the same company that attempted to collect the same debt. 
LVNV funding was notified of the identity theft affidavit and a form was signed. 

15 USC 1692e ( 10 ) he use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

Your company is aware the debt that was purchased by LVNV and is aware of the FTC affidavit the company received. You are the same company umbrella, just a different sub name. 


Because your company falsely and misleading representations by attempting to collect a debt by the same company, going under another name is in violation pursuant to 15 USC 1692e ( 10 ).
Product: Debt collection

I was charged by XXXX for an account I never had. After many phone calls and going by the store none of the associates could help me because they did not know why I was charged or for what. I requested the collection agency send me proof of this account such as an agreement and an itemized bill showing what the charges were for but they sent a bill that showed a break down of {$0.00} charge per item with a grand total of {$200.00}. In fact I have another bill showing a {$0.00} balance during the same period that they are trying to collect from. I know these charges are bogus and I figured that they would figure it out as well when they " investigated '' the charges but apparently that is not the case. It is obvious they have not investigated anything or they would have not pursued further. They or XXXX have not been able tell me exactly what the charges are for yet continue to harass me over a debt that simply doesnt exist. I am about to seek legal presentation for this issue as it appears I am dealing with a fraudulent company with poor practices and every organization I contact about this leaves it to the bill collector to investigate their own case rather then step in and see what these companies are doing. If someone really investigates these charges, they will see that I am being fraudulently charged and that this so called account never existed.
Product: Prepaid card

On XX/XX/XXXX 2015 I made an online purchase using my American Express Serve Card. On XX/XX/XXXX,2015 I contacted the merchant explaining I did not receive all of the items and the items I did receive where melted. The merchant stated they would send my return labels to return the merchandise. I never heard from the merchant or received the return labels. I then contact American Express Serve to dispute the charges on my card. I emailed documents and a statement explaining what happened. I called to check the status and was told I would have to wait until XX/XX/XXXX 2015 to receive a provisional credit. I asked to speak to someone and they placed me on hold for over an hour to talk to a supervisor. Once the supervisor got on the phone she told me it was nothing she could do and I would have to wait until I get an email from the dispute department. I asked if I could speak with the dispute department and she stated no, they only communicate internally by email. I informed the supervisor this was unfair.
Product: Credit card

I am the POA and legal Guardian for my XXXX XXXX XXXX mother with XXXX. Bank of America has all the documents that show I LEGALLY can open accounts, lines of credit, etc... they also have guardianship documents and a letter from her doctor stating she has XXXX. They REFUSE to honor these documents but insist on speaking with my mother who is bed ridden and can't tell you what she ate 2 minutes ago. XXXX patients need to be handled carefully. 1. Do not rock their world with anything that will upset them! Money matters can cause stress for them. Having the state come out because the bank has turned their daughter over for elder abuse because I stood my ground as the law and documents prescribed. Not once but twice over the years! causes stress for my mother. THIS IS ABUSE! Several years ago her tax returns were stolen and thus her identity I couldn't even get the police to prosecute the criminals and I had pictures of them cashing phony checks with my mothers signature and the car dealership where they purchased a car with mom 's funds had the thief 's info. as well! Yet, I am the one that gets harrassed, slandered and emotionally abused. How am I to serve the best interest of my loved one when these fools won't let me? If I was left as guardian for a dog and wanted to open a credit card to pay for some type of XXXX would the bank insist on speaking with the dog? Do you see the craziness of this? My mother can see and speak but has no cognitive ability to discern anything! I am hereby filing a complaint against Bank of America for emotional abuse and slander against me and failure to carry out their fiduciary responsibility to my mother and her legal wishes per legally drawn and signed documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX
Product: Mortgage

I have sent two letters to Plaza Mortgage, dated XX/XX/XXXX and XX/XX/XXXX requesting that they re-imburse tax funds held in Escrow for 2018 taxes that they did not pay. I have confirmed that are aware that we made the payments and provided evidence that the taxes were paid. 

I received a phone call from the first letter during which a rep told me that they had already cut a check, but that I needed to call in 15 days to have them send a new one since that one " wouldn't be arriving ''. We have called, and followed up with another letter. On XX/XX/XXXX I received a response from my XX/XX/XXXX letter stating that they had " investigated our accounts and found that everything was in order ''. I believe that information is false as they should either show extra funds in the Escrow account, or show a non-cashed check that has not arrived to us.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX DOB is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the XXXX Data Breach. The following are fraudulent hard inquiries and are not factual and should not remain on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I spoke with this company several times in XXXX. There saying that I owe a XXXX XXXX bill for XXXX That is not possible. XXXX will cut your services off if you miss one month. They told me they can only produce the bill from XX/XX/2018 till XX/XX/2018. In which they stated the bill was {$1600.00} when they purchased the account from XXXX. I spoke with someone on XX/XX/XXXX asking for an itemized bill starting from XX/XX/2018. They told me that they don't have it and that I would have to contact XXXX. I contact them and I was told that they don't keep a record that long and that once it is sold to a collection company its out of there system. I then contact the company back and told them what XXXX had said. She told PROMISED me that she would request the information from XXXX and to give her 5 days. I called 10 days later they still haven't got a copy of my bill leading up to these charges and now their telling me to wait 30 more days for something that XXXX can't give them. In the mean time it's hurting my credit. If I owe XXXX money I would pay it. My bill with XXXX was about {$220.00} a month.. so if I add correct I had about 7 months of services and not pay.. that really impossible with XXXX. And to say I owe {$1600.00} is insane there's no way anyone can get services that long without paying. So no one is able to supply with a bill that shows charges leading up to this amount. Honestly I believe that when I moved from the residence XXXX sent me prepaid boxes to send back through usps. I neatly packed everything up and sent it back I had no use for keeping it and it was free to send back in which I took it to my local post office. I am thinking they never credited my account for the equipment I returned. Cause otherwise I don't owe them any money. I hope and pray that you can help me resolve this matter. Thanks. I hope to hear back from you soon.
Product: Credit card or prepaid card

I purchased a water heater for my second home from XXXX XXXX in XXXX, XXXX. The store had a maximum authorization limit on foreign credit cards, therefore first they took a deposit of XXXX XXXX on XX/XX/XXXX, than on delivery date of XX/XX/XXXX the balance of XXXX XXXX the total of XXXX XXXX which was the full price of the water heater. EXHIBIT A The heater was installed on the XXXX and due to an internal gas leak, it burned down at XXXX at night causing heavy damages to my home. EXHIBIT B. I had filed the proper claims with the Chase Credit LLC and their subcontractor XXXX a bogus or XXXX AND XXXX XXXX. To this date, the XXXX claim HAD NEVER BEEN SETTLED, therefore I am requesting the complete resolution of the matter which amounts to the XXXX XXXX in XXXX {$400.00} and the same interset charge what the contract states, 29.88 % in XXXX {$120.00} for deliberate disregard of contracts and the statuts of settling a claim in California. Incidentally, the damage to the building was estimated at {$27000.00} XXXX and having been reconstructed!!
Product: Money transfer, virtual currency, or money service

Dear CFPB Government, This is XXXX XXXX, we got a payment XXXX from XXXX XXXX XXXX XXXX company on XXXX XXXX XXXX, we contact a man name XXXX XXXX , he paid us by PayPal . We delivered the packages on XXXX XX/XX/XXXX, the XXXX tracking number is XXXX, XXXX. Due to the shipping problem, XXXX XXXX from XXXX XXXX XXXX XXXX company open a case on Paypal, we keep contacting with shipper and buyer. A month later, they got the packages finally on XXXX XX/XX/XXXX. But Paypal refund XXXX payment to that company XXXX XX/XX/XXXX. We usually use XXXX to contact XXXX, when he made the payment we noticed that the address provided on Paypal did not match the address of the invoice we had made, so we asked XXXX about it and he clearly stated that he was going to send it to the address of the invoice, and we also confirmed with him his PayPal account, so that one could not be a false message. Even though we provided favorable evidence, PayPal still refunded him. We contact Paypal Many times, we can't believe that Paypal would impose a penalty like this and the way they handled it was really poor, they hung up on us before we finished speaking, that's very disrespectful for us. Later, after our insistence, PayPal called and told us they would contact the buyer, XXXX XXXX, through their PayPal account. Eventually, XXXX XXXX also replied to their email message clearly on Paypal and said they had received the goods. In this case, PayPal has already obtained the buyer 's reply and confirmed that the buyer has received the goods, but they still remain indifferent and refuse to pay us, which is very wrong. We hope CFPB can help us to defend our rights. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 89 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, Dept of ED/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 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, Section 605B. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon me.
Product: Mortgage

RE : Error in Evaluation of Loan Modification of Loan # XXXX am the homeowner at XXXX XXXX XXXX, XXXX XXXX, NY XXXX and RCS, the loan servicer, has made a patent error in the Loan Mitigation Application request of # XXXX by calculating the wrong monthly gross income as {$7000.00}. Because of this error RCS has rejected my Loan Mitigation Application. 

I am writing to rectify the error RCS has made and am appealing the basis of RCS ' decision. It seems that RCS has used outdated income information provided to XXXX XXXX XXXX back on XXXX/XXXX/2014 instead of using my current income. 

My correct current monthly income is $ XXXX. The basis of my correct income is attached. 

Kindly use the above to ask RCS to correct the error in the Loan Mitigation Application and reassess loan modification request based on my correct monthly income of $ XXXX/-Thank you. 

-- XXXX XXXX XXXX, XXXXcc : HAMP Solution Center, XXXXXXXXXXXX ( ID XXXX )