23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/22, I received what I believed was a text from Chase regarding a Fraud Alert regarding a XXXX payment of {$2000.00}. I selected No, that I did not make this payment and immediately a " representative '' from Chase called me. In order to correct this, we walked me through steps to add myself as a XXXX Payee and pay myself the {$2000.00}. I did as he requested and then I received an email from XXXX XXXX  that they were confirming a transfer to him. I immediately went to the Chase Bank in XXXX and they said that they had the information with the person 's name and last four of his XXXX XXXX account number but there was nothing that can be done. This is absurd! Why does Chase offer services on their website that they do not support? This was a fraudulent transaction. I thought that I was speaking to a Chase representative. Chase even confirmed that they sent me a Fraud Alert text, but they will do nothing to help me retrieve the {$2000.00} that I was scammed out of.
Product: Mortgage

I got a mortgage in XXXX through XXXX XXXX, It was transferred to XXXX and then XXXX XXXX XXXX. I filed Chapter XXXX bankruptcy in XXXX XXXX. At that time XXXX was included to cover arrears. They were also paid interest on top of the arrears principle. I made all of my regular mortgage payments during the 5 years of the XXXX XXXX. The loan again transferred to Selene Finance who held the serving at the time of discharge of the XXXX plan which was in XXXX XXXX. It appears that they did not apply any of the monies they received to my mortgage. They sold the servicing to XXXX which is a collection company. 
XXXX says I am 10 months behind on my Mortgage but I have made my payments each and every month.
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 unfeasible. 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. The Lack Of Accountability and transparency is unacceptable and raises serious about consumer safety.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I called XXXX to speak to a woman with an accent, she argued with me telling me to write a letter, she didnt want to give me any information, she did indicate it was an alarm company requesting collections. On XX/XX/23, I sent a letter to Zions Debt Holdings, XXXX XXXX XXXX XXXX, XXXX, UT XXXX, indicating this was not my account. I asked them to send me a copy of this alleged account or proof of debt, my letter was returned opened. I disputed with XXXX to correct this problem, they directed me to the FTC to report. Debt on my credit report is {$1300.00}. This is a fraudulent account, I showed XXXX a copy of the returned letter.
Product: Mortgage

I lost my home purchase due to lender completely ignoring my loan. My loan went into underwriting on XX/XX/XXXX and was suspended due to my XX/XX/XXXX income was lower. Underwriter asked for a letter of explanation regarding my income. Underwriter got to my file again on XX/XX/XXXX. According to her since my income dropped over XXXX % I need to meet an extenuating circumstances, which according to her HUD did n't see XXXX leave as an extenuating circumstances. So, she moved my file to her manager pending on denial. Once I new she was not taking the letter, I called HUD and per Hud they see maternity leave as hospitalization. Now this happened in XX/XX/XXXX, I 'm applying for a loan in XX/XX/XXXX. I have not filed XX/XX/XXXX yet because I wait till XX/XX/XXXX. So after calling, emailing from XX/XX/XXXX, the Broker was able to talk to the underwriter manager XX/XX/XXXX, turns out underwriter never put my file in her managers pipeline and she was able to review it briefly and said I never needed an extenuating circumstances and she should just do a manual underwrite. Send the file back to the original underwriter. At this point they new I had a notice to perform and only had 2 days. This was a Friday. Not even because she dropped the ball and never put in the managers pipeline and and never need e to meet an extenuating circumstances she bother to rush my loan. Monday came and nothing, no emails no calls no status at all, as if I never existed. Seller cancelled on Tuesday and I finally request for a loan cancelation. I tried multiple times to explain the maternity leave was the reason why my income dropped and she should not suspend my loan for that. Till this day I never heard back from anyone around FirstCal wholesale, I 'm not sure why they decided to ignore my loan without any explanation after manager had agreed the the letter of explanation may sense and she should conditioned accordingly. I 'm not sure how to take this, I ca n't help but take this personal I 'm not sure if I should be looking at this as discrimination. All I know is that I lost the home, I lost some money I the process, my kids are broken hearted. It 's tuff getting an offer accept now a days with a low inventory and prices rising up. I would like someone to look into this, because it feels awful that no one bother to prioritize my loan, as if my loan did n't matte ; so I can meet my the deadlines in my contract. I can tell you that this for sure was not a fair lending at all, it was extremely XXXX a day frustrating.
Product: Checking or savings account

On XXXX XXXX, XXXX- 2 Transactions on this date hit my bank. 

1. XXXX XXXX {$9.00} 2. XXXX {$89.00} I have notifications on my bank account and prior to any transactions hitting my bank account I had a positive balance of {$15.00} According to my alerts from yesterday, Transaction # 1- XXXX XXXX {$9.00} was processed via debit card at XXXX which left me with a balance of {$5.00} I got the notification that my balance was below the {$10.00} amount. 

Several hours later Transaction # 2 hit my account via debit card from XXXX for the amount of {$89.00} which turned my account into a negative balance of - {$83.00} which would prompt an overdraft fee, no hands down. But I get two overdraft fees, one for each transaction. So I called CHASE to figure this mess out and they tell me they decided to process Transaction # 2 before Transaction # 1 which allowed them to charge me two overdraft fees, this by no means is not fair business and should be against the law for a bank to alter the books to gain a profit. 

This is fraud and theft
Product: Credit reporting or other personal consumer reports

I have disputed these inaccurate items. My information was misused and now I have some false not 100 % accurate items on my credit report. Unauthorized use of my credit report.
Product: Student loan

Sallie Mae is the loan company, however XXXX XXXXXXXX XXXX is the school. Currently there is a open application with the Borrowers Defense ( US Department of Federal Student Loans ) for this student loan due to a school closure and the school making promises to me in which they did not fulfill but still want me to pay. XX/XX/2021 when contacting Sallie Mae the company stated it is not their problem the school closed nor does it matter I have a approved forbearance with US Dept. of Fed. When contacting the Borrowers Defense they have all student loans on forbearance. Sallie Mae continues to be harassing and does not take into account the forbearance currently on file.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested XXXX, XXXX and Experian to validate and or remove a number of accounts from my credit report due to them being inaccurate.I have not received a response.These agencies are not following their own policies in a timely manner.
Product: Payday loan, title loan, personal loan, or advance loan

see the attached reopening of the original complaint dated XX/XX/2024 vance and huffman has grossly failed to remedy this matter, as a result i am reopening a secondary addendum complaint respective OF the original XXXX XXXXXXXX  cfpb complaint OF XX/XX/2024 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXt accounts XXXX XXXX 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Product: Credit card

Ive requested XXXX state level benefits under KP state Louisiana to American Express and was denied. I sent in a copy of my LES to verify proof of residency and all supporting documents. I received letter stating I wasnt eligible due to card account being open after XXXX XXXX service, even though Louisiana KP state XXXX. Enforcement of Servicemembers Civil Relief Act ; Uniformed Services Employment and Reemployment Rights Act state it cover while on XXXX XXXX service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account as well as XXXX XXXX are showing late payments for me on my XXXX and Experian credit reports. For XXXX XXXX it is showing a late payments for XX/XX/XXXX and XX/XX/XXXX and for XXXX XXXX its showing a late payment for XX/XX/XXXX. I have NEVER been late paying neither one of these accounts and this information is unverified and completely FALSE. These late payments are NEGATIVELY impacting my credit scores and needs to be addressed immediately. I have tried disputing these items previously with no conclusion or resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account should not be on my credit report. I disputed this account as it does not belong to me and please verify it. But, they refuse to remove it. I also contacted XXXX card services as well, and they refuse to remove it from my credit report. 


Account name XXXX XXXX/XXXX XXXX   Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX.
Product: Vehicle loan or lease

Subject : Follow-Up on Complaint Submitted on XX/XX/year> Forgery and Fraud with Drive Time. 

Complaint In Reference # XXXX I am writing to follow up on my formal complaint submitted on XX/XX/year>, regarding the serious issue of forgery and fraud with Drive Time. As per your acknowledgment, I understand that my complaint is being reviewed and that you may need to send it to the company or other relevant agencies for further action.

However, it has been over 15 days since I submitted the complaint, and I have not received any further communication from Drive Time regarding the status of this issue. As a reminder, I discovered that my signatures and initials were forged on the sales contract after raising concerns about suspicious charges and incomplete information in the contract. Upon further review, it was clear that the dealership had forged my signatures, rendering the contract unlawful and void. I have attached both the dealership 's emailed contract ( with forged signatures ) and my original unsigned contract for your reference. 

Given the gravity of this matter, I request the following updates : Confirmation of the steps taken by CFPB to investigate this issue of forgery and fraud with Drive Time.

Information on any actions CFPB has taken to address this issue on my credit report or notify relevant parties.

An update on any correspondence with Drive Time or other authorities related to my complaint. 
Please be aware that I am actively pursuing legal action for forgery and fraud and preparing to file a civil lawsuit against Drive Time. This issue is causing significant harm to my financial standing and must be addressed immediately. 

I expect to receive an update from you within 15 days. If I do not hear from you or receive a resolution, I will be forced to escalate this matter further, including pursuing additional legal actions. 

Thank you for your prompt attention to this issue.
Product: Debt collection

I am in receipt of this correspondence from Ditech paralegal alleging that I still owe a balance .Number one its clear this paralegal is inept and does investigates matter thoroughly because my original complaint stated that although I closed on XXXX, I vacated the premises XXXX. I could have opted to not pay the XXXX mortgage and include it in closing, but I remained compliant in my routine of paying my bills in a timely manner. My lawyer will confirm that the payment to Ditech was received much sooner than they are alleging, and they have a signature confirmation to support that. However, Ditech refused to speak to my attorneys office when they called to confirm this information stating they are not authorized parties. Despite them being one of the attorneys who handled the closing. Additionally, when the firm attempted to conference call me in to authorize consent for Ditech to speak with them, Ditech refused and disconnected the call. Here you are Ditech. I XXXX XXXX give you permission to speak to the law office of XXXX XXXX at XXXX XXXX XXXX, XXXX, Virginia XXXX. His phone number is XXXX and his fax is XXXX. Lets compare confirmations to see whats really the truth. So, let me make sure I understand this correctly, on XXXX Ditech notifies XXXX  XXXX and tells them that the loan I have is paid in full. I have that call on a saved recording, the party at XXXX XXXX confirmed that they would be sending me confirmation of payoff in 30- 45 days from XXXX. However, Ditech references the same date indicating their records show I am in a shortage and to remit the payment to them when the loan was transferred to XXXX XXXX. Now this correspondence state to remit the fictitious balance to XXXX XXXX who has already stated that there is no balance. So, because Im very familiar with the stall tactics that Ditech does and how basically the CFPB does nothing I have enlisted the help of every Senator, Governor, congressman, delegate, and news paper publishing from Florida to Virginia. I am not playing these games anymore with either Ditech or CFPB anymore. I am in the process of requesting my credit report, if AT ALL there is any type of issue with my credit as it relates to the fraudulent handling of my account with Ditech I PROMISE YOU I will take this company down and ruin every opportunity for any investor or share holder to hold faith in them. TRY ME!!! When they were green tree and doing fraudulent activity, they were fined and ordered to pay restitution and NOT ONCE paid one borrower that because they have been able to dodge paying their debts by filing bankruptcy repeatedly. Since XX/XX/XXXX, their practice has been reported by a multitude of consumers and yet they continue to fraudulent deceive consumers. Im not done with this mater at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the following items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 TX XXXX ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$200.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} ; XXXX XXXX XXXX Date of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit with all 3 credit bureaus, and I saw there was a collection account from XXXX XXXX opened on XX/XX/XXXX. I immediately disputed the collection account along with an address that the credit bureau told me was linked to the collection account of XXXX XXXX. To wait for the investigation to provide results. I Asked XXXX to explain to me what proof did XXXX have to show that that collection account was mine and they told me they couldnt provide that information. Meanwhile I called XXXX directly and also disputed the fraudulent account and they instructed me to file a police report and submit proof of address at the time of the incident and to upload to the fraud department. XXXX also provided me with the Debt collection agency that took over the account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX in which I have called several times and no answers the phone. I did all of that on Monday morning, and by Monday evening and Tuesday morning, I received two emails from XXXX stating they had completed their investigation and found that I am not responsible for those charges and account and to send this letter to the credit reporting agencies. When I reached out to the credit reporting agencies they stated they do not use email letters as proof. Later in the evening I did receive an email from XXXX and XXXX stating they removed the address but that the XXXX account is mine. And did not want to accept the letter I received from XXXX emailed. I called XXXX to request the letter faxed and or mailed to my home they stated they do not mail any letters, only email.
Product: Debt collection

Once I became aware of the accounts with Fox Collection, I sent them a request for validation letter requesting documentation and at this point they have failed to send documentation to support that request. Not only did they fail to send requested information they have violated the FDCPA in which they continue to report an account that has not been validated. They continue to verify this account with the credit bureaus also though they have fail to validate the debt. Both which are violations of the FDCPA. 

I have been in contact with XXXX XXXX at this company to no avail to try to get this issue resolved prior to filing this complaint however he fails to acknowledge the violation and come to a resolution.
Product: Mortgage

Congress has set aside billions of taxpayers dollars in funding for programs that could put borrowers like us in jeopardy of losing our home through a public auction. Thus far, it could never easily be more grossly to consumed than how our disputes have been handled via Consumer Financial Protection Bureau ( CFPB ) - the same portal where we acquired knowledge about the forbearance. Likewise following a letter we received from XXXX XXXX  ( who owns the mortgage loan ) which instructed us to proceed through the process we submitted a written request with a temporary COVIDrelated financial hardship declaration also attached alongside. As we learned that this should be a simple process ( by just asking for it ). In fact, Senator XXXX had expressed her deep concern about Wells Fargo Home Mortgage provided extension to a group of their customers a non-COVID related forbearance without them asking for it As of this day, the National Emergency was extended by President Biden and we have received no forbearance! Despite our continuous effort to seek help from the loan servicer in many occasions although we are being told that they would look into every possible option to help us keep our home, we instead received disinformation about the Truth in Lending which continue drawing us closer to the end of our mortgage which leaving us a few choices whether to lose our home or accept the blatant option which we know it will give us more damage. As HUD provided the information on forbearance that deem to be appropriate as we seek and is current, we have gathered everything we need including looking into charges on the account and other conducts to proceed further in keeping our home. we are hereby to provide our effort
Product: Debt collection

On XX/XX/2019, my daughter was transported by XXXX ambulance service from XXXX XXXX XXXX XXXX XXXX to another. Both facilities are in network, yet XXXX is not in network and charges more than double the allowable amount. XXXX XXXX processed the claim as in network and they were paid for 2 trips instead of one.

XXXX erroneously charged ( 2 ) trips because their driver first drove my daughter to the wrong location. They acknowledged over the phone that this was an error and promised to adjust. They have now been paid double by XXXX and continue to bill me. The debt collector said that it doesnt matter that there is an erroneous charge and that it is under review because the debt has been sold to a collector. 

I told the aggressive collection agency that the case was under review and to stop calling. Despite several requests I still have not received a copy of the trip journal, documentation of the ( 2 ) trips or charges, or a copy of the release for my signature to receive such trip documentation. 

In the meantime, Professional Bureau Collections of Maryland XXXX ( XXXX XXXX ), collections has aggressively called and left messages despite being informed that the case is still under review. I just received a message that they have now contacted my employer. This is inappropriate and must stop.
Product: Money transfer, virtual currency, or money service

I have concerns regarding Zelles handling of disputes in light of the recent CFPB lawsuit stating issues with the platform. Despite disputes my financial company and Zelle failed to investigate claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXXXXXX 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: Debt collection

I was contacted by XXXX XXXX of XXXX XXXX XXXX from ( XXXX ) XXXX telling me that they were a 3rd party and telling me to contact XXXX XXXX  XXXX at XXXX. I was also given a case number to use when I called. I called XXXX XXXX  XXXX and gave them the case number as reference. I was directed to XXXX XXXX. He said that they were a law firm located in XXXX and he was at the main office. I was informed that they were trying to collect a debt from National City Bank that was almost XXXX years old. He said that they had tried to send me a certified letter and I wasn't there so another attempt would be made that day, which was XX/XX/2022. He had no information regarding when the first attempt was made. I told him that I had checked with all the credit rating agencies just last year and didn't see that debt listed and got short with me. I called him back after realizing that the statute of limitations for a car loan was 4 years in XXXX  which is where the loan was defaulted on and 5 years in XXXX where I now live he got very angry and derogatory. I do not believe this to be anything more than a scam.
Product: Student loan

I have uploaded forms multiple times. They continue to say they have not received said forms. I email and the response does not allow me to reply, only to start a new email. I try to call but it takes too long to be on hold.

I should have met my 120 payments for loan forgiveness. It says they are waiting on employment certification which I have sent in multiple times.