23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After conducting an in-depth review of my mortgage transaction and the conveyances of the subject property, I have found a number of violations with respect to the following Assignments. EXHIBIT A : Upon information and belief XXXX XXXX, XXXX XXXX and XXXX XXXX are employees of XXXX XXXX XXXX and not XXXX XXXX and or XXXX. XXXX testified in a XX/XX/XXXX foreclosure case in Florida that he signed up to 5,000 mortgage assignments per day at the loan-servicing company. Although he is an employee of XXXX, he signed the documents as a " vice president '' of XXXX XXXX XXXX, XXXX XXXX, XXXX and other institutions. ( See : Case # XXXX, XXXX Court of the XXXX XXXX XXXX, XXXX County, FL ) In his deposition, XXXX said XXXX multiplied his output by electronically stamping his signature on additional mortgage assignments that XXXX said he never saw. <P/>He testified, too, that all the documents then were falsely notarized. XXXX 's notaries were given stacks of the already-signed documents, he said, and attested falsely that XXXX had signed the legal papers in front of them. XXXX said he did n't verify the information in the papers he signed, and that he did n't understand key words and expressions in them. On thousands of documents, a California or North Carolina address is listed directly under XXXX name to help conceal his true employer. <P/>In a Texas case involving an Assignment signed by XXXX XXXX, a Texas Court denied an Application for Order for Foreclosure on XX/XX/XXXX, after the homeowner responded to the application with allegations of fraud based in part on the conduct of XXXX. See, In re Order for Foreclosure Concerning XXXX XXXX, Cause No. XXXX, District Court for XXXX County, Texas, XXXX Judicial District. XXXX XXXX XXXX, XXXX XXXX XXXX Correspondent, wrote an article about XXXX and XXXX Title on XX/XX/XXXX and on XX/XX/XXXX. XXXX has used the following job titles : Vice President, XXXX XXXX XXXX XXXX XXXX XXXX ; Vice President, XXXX, XXXX by XXXX XXXX XXXX, f/k/a XXXX XXXX XXXX XXXX, Its Attorney. <P/>EXHIBIT B : Upon information and belief this said Assignment is materially false, created with the intent to defraud those who might act upon the instrument and/or the information contained therein as genuine, as there is [ no ] evidence of this Assignment registered, recorded or transferred by XXXX. More specifically, there are [ no ] transfers, conveyances by XXXX beyond XX/XX/XXXX according to XXXX XXXX XXXX. <P/>The assignment contains the MIN : XXXX after conducting a search of XXXX sight, the MIN is registered to a note dated XX/XX/XXXX. ( See : Exhibit C ). Additionally, XXXX XXXX XXXX is also an employee of XXXX XXXX XXXX and NOT and employee of XXXX. Both Assignments violate Maryland Code Criminal Law Title 8 Subtitle 6, unfair and deceptive trade practices as defined in 13-301 of the Maryland Consumer Protection Act ( MCPA ) Md. Commercial Law Code Ann, The Fair Debt Collection Practices Act 812. Furnishing certain deceptive forms [ 15 USC 1692j ] and 808. Unfair practices [ 15 USC 1692f ], 8 U.S. Code 1324c and the Maryland Mortgage Fraud Protection Act ( Md. Code, Real Prop. 7-401 et seq. and 7-402 ).
Product: Checking or savings account

I dont remember exact dates but the years XXXX XXXX has sent me multiple debit cards due to fraud charges on my transactions. It be times where there will be a charge where it wasnt me then theyd have to close it down. Recently I got {$110.00} taken away from XXXX, it was a scam
Product: Credit reporting

TransUnion is refusing to block fraudulent information on my credit report. I spoke with a representative by the name of XXXX in the Special Handling Department on XXXX/XXXX/2015 and was told that TransUnion had not received my police report and that was why XXXX fraudulent account continued to report in error on my credit report. She indicated that the other fraudulent accounts were blocked because XXXX had received my police report and shared the information to block the items. She indicated that I could send her a copy of the report via fax and she would promptly block it in accordance with Section 605B of the Fair Credit Reporting Act. She also indicated that it was already being investigated, but she would block it with police report. 

I called in today to learn that it would not be blocked and that it is being investigated and that she did receive the police report detailing the fraudulent account, but since it is already being investigated it is nothing she can do. I also sent in a copy of my drivers license with my new address on it and I am being told that she did not receive it with the police report. I have verification that all pages of the fax went through successfully.
Product: Checking or savings account

Navy Federal Credit Union has made multiple errors on my account My account now is frozen for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I reserved a hotel room for XX/XX/XXXX. It was supposed to be reserve now and pay later but the hotel charged me. I canceled my hotel and received an email saying I would be refunded in full. well 2 weeks later no refund. Hotel couldn't give me info on the refund, so I put a dispute in with XXXX XXXX to get my money back since I had documentations of the refund. My credit score dropped XXXX points. The credit bureaus said XXXX XXXX added a remark to my credit card that it was fraud. I did not report my whole credit as fraud. I have disputed many charges since XXXX and it has never dropped my score. I called XXXX XXXX, and they said it wasn't showing on their end. I need this remark removed from my credit report. There's no reason my score should have dropped almost XXXX points for trying to get my money back that's owed to me when it's not fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, Your Brand Contacted me from XX/XX/year> to Presents Day. Your agency rep called me names for being a openly XXXX individual like XXXX, passive aggressive comments about words like crazy and other comments about me going to XXXX. Why is XXXX XXXX XXXX engaging in meal services that endorse animal abuse shouldn't your focus be salads, adhering to EEO standards and general acceptance with fair housing, I have not seen XXXX XXXX XXXX care about those things and based on the persons interaction with XXXX XXXX and XXXX XXXX spending time to contact me and advertise housing status I hope you seek to correct your involvement with XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. We have had a PapPal account for many years. On XX/XX/2023 PayPal effectively froze our account ( can't accept payment from members, can't transfer our funds which are many XXXXXXXX XXXX XXXX, can't pay out organizational bills from our balance as we used to prior to XX/XX/2023 ). 

I have called multiple times and spoken with many " supervisors '' over the last many weeks. Every time I am told that none of the departments that speak to clients ( customer service and limitations department ) are not able to clear the " limitations '' and only the " back of the house '' can do that. However, that department does not speak to customers. 

Many documents ( attached herein ) verifying our status as a non-profit have been requested and sent on a couple of occasions. 

We have had to verify our non-profit status with a few other companies ( square and stripe ) recently and they were able to verify everything within a few hours. 

I have heard of a class action lawsuit against paypal that our independent contractor in-house counsel has been a part of with other companies she works for. 

We just want to get our funds from them and solve this issue. 

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

I have sent multiple disputes and XXXX is still reporting inaccurate information. I was not sent proper validation upon request. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Mortgage

I did a modification with XXXX  XXXX XXXX. I was awarded and granted the modification XX/XX/year> went through the trial. Everything was excepted. Everything was signed. It was sold off to one company called XXXX XXXX XXXX within a couple months it was sold off again to Shellpoint which Shellpoint has harassed me, interrogating me scare tactics, Ive been going through this with them since XX/XX/year>. Im on the phone with them at least weekly sometimes biweekly Im very emotionally distressed severely. They threaten me with foreclosure, scare tactic. I sent them all my payments for the past 10 months they cashed all checks except the last two checks they have not cashed. ( I also been with a bank of representative from XXXX XXXX XXXX XXXX XXXX XXXX, ,to speak with them. I will not speak with them alone anymore they distress me, emotionally severely too much.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I filed a complaint XXXX/XXXX/XXXX in regards to incorrect information on my credit report. 
XXXX XXXX 's is showing a 30 day late payment XXXX of XXXX. I have never been late and have disputed this error thru Equifax. Equifax has not removed this error even after filing a dispute with CFPB. XXXX Bank has already made contact with Equifax and provided them an updated AUD to correct this error and they have not. It has been over 30 days and this information has not been updated.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




BXXXX 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  and XXXX, and Experian, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud. 
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..
Product: Vehicle loan or lease

At least once per week, for the past XXXXXXXX XXXX XXXXXXXX XXXX has called me about my mother 's car loan. My number and name are not on the loan, to my knowledge. 

They have also called my grandmother ( her mother ) about this. All I can seem to do is block the number, but it does not stay blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made sure to make my payments on time for CAPITAL ONE with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me with any documentation about the late payment being done in the month indicated in the report.
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. BANK OF AMERICA ( Bank Credit Cards ) This is what I reviewed and I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA Section 604, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed. Furthermore, FCRA Section 611 requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable. I am hereby requesting that CFPB investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations. Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA Section 611.Thank you for your prompt attention to this matter. 

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

I had a home loan with XXXX XXXX XXXX XXXX in XXXX in XXXX Bank of America took over the account due to some legal issues with XXXX XXXX XXXX XXXX in XXXX the home went into foreclosure at that time I move to XXXX XXXX Bank of America in XXXX reported on my credit report that it was a eviction the eviction is not correct it was foreclosed I move to XXXX XXXX and did not stay in XXXX the information provided by Bank of America is incorrect and I want to have that information removed from my Consumer Reports I was told that I had to contact your Bureau in order to have it removed Bank of America and XXXX XXXX XXXX XXXX have already removed the information from my credit report but it is my understanding that it is still on my Consumer Reports please look into this matter and have the information corrected and removed it is showing that it should be remove according to credit reporting agencies in XXXX or XXXX of this year I do not want to wait to have incorrect information removed from my account
Product: Credit card

I received a letter from Synchrony Bank in which they stated I was already given a refund of XXXX dollars but I explained to the representated that credit was because of service, delivery, and production issues the manager at Lowe 's credit me nothing to do with the return of service. I do not think this representative did their job right and the credit card did not contact Lowe 's to see why I was not given a refund. Lowe 's works with this bank but they do not seen honest and willing to help understand why I never got a refund for my purchase or why the 12 months zero percent interest did not go through. 
Here is the background : This complaint is against Lowe 's Home Improvement store XXXX in XXXX IL. On XX/XX/XXXX, I had a XXXX XXXX delivered and when that was installed it started leaking water during the first test washer the installer had set up. I called up the installer and lowe 's and the installer came back the same day and wrote a report. Spoke with Sales Rep XXXX about this and did created a work order. I went back and purchased another dishwasher to replace the XXXX XXXX XXXX. I purchased a XXXX XXXX on Saturday XX/XX/2023 from XXXX XXXX and it got delivered on XX/XX/XXXX, but they did take the old dishwasher. The installer came on XX/XX/XXXX at around XXXX to XXXX XXXX came in to pick up and install the new XXXX XXXX I called the Lowe 's department store and spoke with the manager XXXX ( different than the installer ) I explained all the trouble and miscommunication because the story goes into more detail. XXXX gives me a credit of {$300.00} for all the issues and problems. XXXX XXXX was supposed to credit me back for the defective XXXX and until XX/XX/XXXX he has not. I called Lowe 's twice in the last month and no call back or credit from any Lowe 's manager or the Sales Rep. I am owed a refund {$1000.00}, taxes, and installation cost of {$250.00}. In addition, XXXX XXXX promised and said he would call to get my zero percent interest for 12 months. As of today, I do not see it on my statement. I told him twice and the manager XXXX too. This has been the worst experience I have ever received for any store purchase. Lowe 's rep and 3rd party affiliates took the defective dishwasher and no credit. I am concerned it might have been stolen or misplaced. I have text message screenshot and witnesses to everything that happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed a account that was opened XX/XX/2013 that is not mine and showing it was late 60 days.
Product: Credit card

I tried use my XXXX credit cards in XXXX, where now I live, and Capital One Bank all the times asks to verify my identity, but according to the Bank, it is done only thru sending a code by US based phone number. 
I told them what I don't own anymore an US phone number, because I disconnected it when I came to live XXXX. 
I sent them twice copy of my XXXX  driver licence, I offer send copy of passsport, and still is no enough proof of my identity for Capital One Bank. 
I asked then, sending me the code thru my email address, and still they decline do that. 
Without that verify I am unable to use those XXXX credit cards, being my credit in good standing, always paying on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I received notification from my Credit Reporting company that someone applied for a credit card with Capital one using my name, social security and birthday and this lowered my score by 9 points and will stay on my report for 60-90 days. I contacted the credit reporting company and the credit card company to file a fraud report
Product: Debt collection

Hunt & Kahn attempted to garnish my paycheck to collect on a presumed debt without providing any written notice of the garnishment. They later stated they sent a letter to an address I have not lived at in years and therefore it was not received. 

More recently, I have attempted to submit a settlement offer via this feature on their website 3 times in the past 3 months and sent 2 written letters to both published addresses, all of which remain without written or verbal response. I provided an email address and phone number. The most recent letter was mailed 2 weeks ago.
Product: Debt collection

Ive explained that I have been out of the country for 10 years to XXXX XXXX XXXX XXXX and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.
Product: Consumer Loan

On XX/XX/XXXX on finance a XXXX XX/XX/XXXX XXXX with pentagon credit union which my father is the cosigner. His name is XXXX The pentagon Credit union has only report to the credit Bureau that only made XXXX payments. the reported the first XXXX payments only. So from XX/XX/XXXX to XX/XX/XXXX they have not reported no information to any credit Bureau affecting and damaging my credit and father Credit payment history determines 35 % of a FICO Score. You have no just cause damage mine but also to my father XXXX. If this matter is not resolved and we are not considering the right interest rate for the mistake that the Penfed has made for inaccurate information. This has caused us XXXX damages, higher insurance premiums, Damages for emotional distress, humiliation ; indignation, and pain and suffering
Product: Credit reporting or other personal consumer reports

I have a few accounts that are not mines tried telling them i was living in a different state and i never lived at that address but that said that it was correct, and it was not. still trying to get them to remove them and the ones that they have removed they have put it back on there a few times after they said it was resolve and what i reported was correct
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SYST is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account JEFFERSON CAPITAL SYST XXXX from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report. My credit report will show the incorrect balance this collection agency is reporting. They added {$650.00} on top of the balance that I had with the original creditor. I find it necessary to sue you for actual damages and declaratory relief under the FDCPA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Product: Student loan

I called Sallie Mae to see if they could offer me some sort of loan modification because my student loan payments are too high and I ca n't afford them and the only option that they gave me was forbearance. I do n't want to do forbearance, I want my monthly payment to be affordable.