23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the ER and on their constant harassing and threatening phone calls, to no avail. I am now a 100 % XXXX veteran living off of XXXX and declared " unemployable '' XXXX. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX and this does not help XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.
Product: Mortgage

I've been have issues with XXXX/ Loancare since they purchased my mortgage. They have now miss applied my payments 2 times. The last payment was for XXXX and XXXX. I payed {$960.00} it included two month mortgage payments, an escrow payment, and a late fee. They some how miss applied everything and the Loancare is saying I'm paid through until XXXX and my escrow balance is XXXX up! Also, they continue to over pay house insurance company and I get a check returned from for loancares over payment and then I get a bill from Loancare saying my escrow account is deficient. XXXX/LoanCare is a joke when I call takes me 1 hr. to navigate their automated XXXX I'm ready to refinance my loan just to get my loan out of this service providers hands! I was a previous Bank Examiner, how can this company still operate!
Product: Credit card

XX/XX/year> : I was preparing to pay a credit card bill. I always pay the whole amount. I noticed there was an interest charge of {$22.00}. Then I noticed I had made an error of XXXX cents on the previous bill and for this reason they were able to add this unreasonable interest charge based on the month 's billing. I spoke to three different people and they all said they had no power to reverse the charge even though I have been a customer for more than 50 years and always pay my bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to know that I missed the payment on my account due to my being seriously sick and hospitalized. I have lost out on job opportunities because of these late payment remarks. 
This is ALL because of the XXXX I also could not close a home for my family due to this situation. I am really XXXX
Product: Mortgage

In XX/XX/XXXX I took out an XXXX ( $ XXXX $ XXXX ) split no money down mortgage. Shortly after, after getting swindled by the previous owner ( a XXXX amp electric box on a XXXX service, illegal and dangerous, bare wire in the walls, pvc water supply pipes, a short cycling furnace ) and the building inspector finding none of this, I had to refinance the HELOC and take out more for repairs. It was then a $ XXXX $ XXXX, $ XXXX total. The house appraised for $ XXXX. Then the housing market crashed. The house was worth $ XXXX. This did n't matter, it was where I lived and I had a mortgage to pay. 10 years passed, my HELOC is about to amortize so I looked to refinance. I ca n't, I 'm still over $ XXXX upside down. I look into HARP. I do n't qualify because my loan is n't done by Fannie Mae guidelines. Being naive at the time I bought, I did n't know I was n't getting a loan that was n't by Fannie Mae guidelines. I then noticed the bank servicing it, Bank of America, had it as a XXXX XXXX. That ca n't be, because a XXXX has to be $ XXXX, which my home was not. I got BofA to remove the XXXX part but it 's still non-conforming so no HARP. That was XXXX - 10 months ago. XXXX says my home is worth $ XXXX now, but with $ XXXX on the primary and having only paid down the HELOC to $ XXXX from $ XXXX I 'm still $ XXXX upside down. Yet, not qualifying for HARP means because I 'm still upside down, I ca n't refinance to drop my XXXX % interest rate and hopefully offset the increase that 's coming with the HELOC amortizing or possibly merging the XXXX loans into XXXX. 
Since I could n't re-finance I tried for a re-modification. I ca n't because I do n't fit the XXXX Guidelines and make a little too much money for it because your mortgage and insurance have to be more than XXXX % of your gross income regardless of if you have other debts to pay. That might change when the HELOC amortizes but the HARP might no longer be a program at that time. And it 's a maybe. I 've recently had to tuck point a whole side of my home, replace the siding on the back of the house, replace the air conditioner, the furnace I bought 10 years ago had to have a blower motor replaced, so I 've run up new debt on top of existing debt. I now have $ XXXX in unsecured loans. I have $ XXXX in XXXX Loans. I 've paid down my credit card debt and have XXXX card with {$2500.00} at XXXX % interest for XXXX months that I 'm paying on and I 'm on schedule to pay off before the 0 % ends, and another card that had between $ XXXX - XXXX revolving debt that I 'm slowly working down so I can pay it off at the end of every month. I 've never been late or missed a payment on my mortgage, or my other debts. But with the amortizing looming, I 'm in fear of being unable to continue paying my debt on schedule. 
I have a XXXX credit score and have never missed a payment or been late. I understand the collateral of the home is less than the loan but my history shows I pay and on time. I just want to lower my interest rate.
Product: Bank account or service

Several months ago, Bank of America closed my Core Checking account. The account was in good standing and always had a positive balance. I inquired about why it was closed and where my remaining balance went. I was just told " sometimes these accounts just get closed. '' When logging in to my account, I am not able to access any of my past statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has a Chapter XXXX Bankruptcy, REF # XXXX as Date Filed : XX/XX/XXXX, however XXXX   has the following info claiming to be accurate, Chapter XXXX Bankruptcy, REF # XXXX as Date Opened : XX/XX/XXXX, and Equifax is NOT reporting this information AT ALL!!! Also XXXX has XXXX XXXX, XXXX # XXXX Balance of {$3500.00} as Date Opened : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX, and Equifax has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately. I also asked if they would update my personal information in their system, they have not done so.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX XXXX on XX/XX/year>. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of 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 my lost funds was impossible and tracking these lost funds was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Checking or savings account

I kept getting a phone call from Wells Fargo, so I finally called back. I asked about the phone calls no one knew the reasoning for the calls, next I continuously asked about the settlement and reach out to the escalation line. No one knew anything about the settlement either or could give me any details. It was like no one knew anything. Ive been with Wells Fargo for years and Ive had a savings account and checking account Ive seen them handle charges and overdraft fees inappropriately. When you call in they all say the same thing thats just how the bank works. They are trained to scam!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report one of my two accounts with them as Pay Status : Account included in Bankruptcy and Remarks : Chapter XXXX Bankruptcy. Both were included in a Bankruptcy almost 10 years ago. My understanding is that the information should have been removed after 7 years of being filed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was a victim of online investment fraud through the social media platform XXXX. I was contacted by XXXX XXXX XXXX page of a high school classmate whom I assume their XXXX page was hacked into. They reached out to me about an investment opportunity with Cryptocurrency. The person claimed that by sending any crypto worth at least a minimum of 1k or more of bitcoin to a crypto wallet address, in 15hrs max you'll in turn receive $ in USD. The person explained this is achieved by a miner using the Bitcoin towards a higher hash rate in mining the Bitcoin by validating blockchains through a continuous script to unleash even more Bitcoin. The person had me send 3k worth of cash via a Zelle/XXXXXXXX transaction to two email addresses : XXXX and XXXX The person claimed that by the next morning, I should receive all the return money via XXXX and I should give them 15 % cut. The next morning, the person reached out and asked if I had received the money. When I confirmed I did not receive the money, the person went ahead and asked me to provide them my XXXX  email address and password for verification purposes and a picture of my license ID. This is when I realized this was a scam and contacted my bank and Zelle immediately. I attempted to report the person 's XXXX as well as the others whom he is using as witnesses but was unsuccessful as XXXX didn't do anything about it. When looking into my XXXX  page, I also realized my XXXX page had been logged into from Ohio.
Product: Credit card or prepaid card

I purchased a drone in 2020 on XXXX and ended up returning it. I have proof that I returned it and witness ( wife and business partner ). We returned this item valued at {$710.00}. 

Now, me thinking that everyone does the right thing. I never knew until three years later, I don't know if it was an accident they sent me secure messages regarding past disputes or what, but I found out I never got my money back. I opened a dispute many months ago and Paypal has not resolved it. I was working with XXXX XXXX from Paypal. I do not want to let them get away with this. {$710.00} is a lot to let someone get away with. Please help resolve this. 

The other problem is they are bad at record keeping. Ask them to show proof of anything over two years ago. They can't do it. I trusted my money with them and feel betrayed. Whatever their reply, we returned that item through XXXX.
Product: Credit reporting or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and how is this possible if I do not have this?? I do not know what XXXX XXXX XXXX is because I have never heard of this industry. What is XXXX and they inquiried on XX/XX/XXXX? 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
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. 
ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX, CARD # : XXXX, ACCOUNT NAME : XXXX XXXXXXXX XXXX ACCOUNT NAME : XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX # : XXXX ACCOUNT ACCOUNT : XXXX XXXX XXXX XXXXXXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX, # XXXX ACCOUNT NMAE : XXXXXXXX XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX, XXXX : XXXX ACCOUNT NAME : XXXXXXXX XXXX, # XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  # : XXXX ACCOUNT NAME : XXXX XXXX, # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX, # XXXX account name : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : Also states that a Consumer Reporting Agency can not furnish an 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 ( 7 ) years.

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

IN TRYING TO GIVE SUPPLEMENTAL INFORMATION OF SUPPORT TO MY CFPB COMPLAINT AGAINST EXPERIAN AND DISPUTE AGAINST CREDITOR XXXX, ACCT. NO.XXXX, EXPERIANS DOCUMENT UPLOAD SYSTEM HAS BEEN NON-FUNCTIONAL FOR DAYS ... THIS IS A SERIOUS FLAW AS EXPERIAN IS ONE OF THE BIG 3 AND HAS 500 MILLION CUSTOMERS ... THEY CAN NOT ACT LIKE A MOM AND POP BUSINESS THATS SHUTTING DOWN, HAVING COMPUTER PROBLEMS ... ITS TOO BIG A RESPONSIBILITY THE US CONGRESS IS ALLOWING THEM TO HAVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, SYNCHONY, XXXX PULLED W/O SIGNATURES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is paid off and is still reporting a balance on my credit. This was charged off but I have already paid everything and it should no longer be on my credit.
Product: Payday loan, title loan, or personal loan

I have banked with JP Morgan Chase for over ten years. I have a business checking account, a personal checking account, credit cards and a mortgage with them. On XX/XX/2021, the Biden Administration announced that small businesses and sole proprietors can apply for a PPP loan which is an SBA program, Chase being a lender that facilitates it, and that the period ending XX/XX/XXXX would be a priority window for small businesses, and after this date all qualified entities could apply. On XX/XX/XXXX, the Biden administration announced that for sole proprietors, loan amounts would be based on gross income instead of net income. 

I reviewed the Chase application on XX/XX/XXXX and noticed that the application was not changed to reflect the above change. I called the Chase PPP department and I was told by XXXX who would not give me his Chase employer ID that I should indicate in the field, average monthly payroll the income on line 7 of my schedule C which is gross income for a sole proprietor and that would be the correct procedure. 
On Sunday, XX/XX/2021 I completed the PPP application on the Chase website and sent it in. I received an email from Chase indicating my application was received. On Wednesday, XX/XX/XXXX, I received an email from Chase indicating they were unable to verify my average monthly payroll costs. I immediately called Chase to explain to them that I was a sole proprietor, and therefore have no payroll, and referred to my conversation with XXXX. 
After a long wait, Chase told me they are not doing any sole proprietor PPP loans. Isnt this a kick in the gut after indicating on their website that sole proprietors are eligible to apply and also according to my conversation with XXXX from Chase confirming this. 
Now I have missed my priority window to apply for the PPP loan which ended on XX/XX/XXXX and have spent an entire day consulting with other banks to apply for the PPP loan and had to visit a bank to open a business checking account which is mandatory in order to apply for the PPP loan. But also after opening the business account I am required to wait at least 5 days to apply. I may miss the deadline. 

I charge Chase with discriminating against small business owners who are in dire need of aid as soon as possible and in so doing run roughshod over them, their attitude being, tough on you, what are you going to do about it. Their interest obviously is in doing large lucrative loan amounts for large entities, similar to the first PPP loans last year. 
I will also write to my congresspeople about this incident and consider legal action. This is not the first time that Chase has been using abusive practices. 
I do hope that the CFPB will address this egregious practice on the part of Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and realized that my identity has been stolen. This unpleasant incident has had negative effect on me because I'm currently in the process of buying a new home for my family. I am very upset that this has happened to me and I am urgently asking for your assistance in removing these fraudulent accounts from my credit report. I have included all the required documents for your review. Thank you. Please see attached along with certified letters send to each credit bureau
Product: Debt collection

The problem is I want to pay with the debit card and not my bank account.they keep harassing me in a clandestine way and I just hang up. I will pay the money, thats not a problem but harassing me in a clandestine way is not doing make the issue better. Its getting worse.
Product: Credit reporting or other personal consumer reports

15 U.S.Code 1681c2-a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, nor later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL STATICS FROM XXXX, EXPERIAN AND XXXX. 

Once again here are the inquiries that WERE NOT AUTHORIZED : 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, back on XX/XX/, I submitted all proper documentation to all 3 credit bureaus that I had been a victim of identity theft and including my reports, my dispute documents and a police report and Identity Theft affidavit. The bureaus have done nothing to help me remedy this situation, they didn't send me any correspondence, and therefore have violated the FCRA, that protects us. Should I remind you that even you all have conducted the study and stated that the bureaus have failed on so many levels to protect the consumer.
Product: Credit reporting or other personal consumer reports

I am currently enrolled in the XXXX program with XXXX qualifying payments. Today, XX/XX/year>, my TransUnion credit report dropped XXXX points ( XXXX ). Upon investigation, XXXX, my loan servicer, reported a duplicate loan in the amount of {$54000.00}. My actual balance is {$54000.00} ; the duplication on my credit report has resulted in an increase in balance owed of over {$50000.00}, meaning my balance owed is incorrectly reported as over {$100000.00}, which has grossly negatively effected my credit score.
Product: Mortgage

We bought the home in XXXX and paid our own taxes and insurance In XXXX Ocwen tried to foreclose on us for missed payments. However, we did not miss a payment. Ocwen was stealing half of our payments and claiming they paid our taxes and insurance from XXXX. We paid them out of our pocket and have receipts. So when they took half of our payments for fraudulent escrow taxes and insurance it set us up for foreclosure. XXXX was taken from our account between XXXX in fake escrow. Let me explain. 

I will attach our old spreadsheets from XXXX and the forged ones we just got in XXXX. Here are the dates where they tried replacing all the money stolen. Ready for this? 

They put all of these fake numbers showing refunded escrow trying to hide the theft. They made us foreclose and we had to pay the attornies XXXX and XXXX for modification. Look at the attachments of all these fake escrow repayments. Then they would charge a fake returned check to them to balance it out. It's evil to the core. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX All of these are fake numbers to hide the theft. I assure you! 


I want the world to read this. I have complained over and over and over. They have destroyed my mental state of mind. Every time I look at these forged spreadsheets I find more deceit. They almost took our home with their greed and now they are threatening to take it again with their greed. We cant take anymore. Someone, please help us. When we did have escrow Ocwen wouldn't pay the insurance on time so it would cancel. Then we got charged hazard insurance. Its all a sick twisted game to them. Look at the emails from the insurance agents. They hate Ocwen. Everyone does. Phh is just their scapegoat and a XXXX.