23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XXXX CrossCountry Mortgage, LLC Attention : Legal Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Notice of Bifurcation and Fraudulent Transaction Dear CrossCountry XXXX XXXX I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter of significant concern regarding the mortgage transaction associated with my property.

Upon recent investigation and a visit to the county recorder 's office, I have discovered that the note and the deed of trust related to my mortgage have been separated on record. The Supreme Court has ruled that these two documents can not be separated, and the current state of the records indicates a bifurcated transaction.

I was advised by the county recorder 's office that the note was not recorded along with the deed of trust, raising serious concerns about the legitimacy of the transaction. This situation constitutes a fraudulent act, as the bifurcation of the note and the deed of trust violates established legal principles.

Furthermore, upon reviewing the copy of the closing document, I have noticed that it lacks the necessary signatures, with only my signature present. A legally binding document should include the signatures of all relevant parties involved, and the absence of additional signatures raises questions about the document 's validity.

In light of these findings, I want to inform you that I will be conducting a thorough securitization audit to assess the full extent of this matter. If my audit reveals any irregularities, I intend to use this information in a court of law to rectify the situation.

Additionally, I feel compelled to inform you that I will be reporting CrossCountry Mortgage LLC to the Securities and Exchange Commission ( SEC ) for potentially selling unregistered notes to investors. This action is taken in accordance with my duty to uphold the law and protect the rights of all parties involved.

I believe in the importance of addressing these issues promptly and amicably to avoid unnecessary legal complications. I kindly request that you investigate this matter internally and provide me with a comprehensive response within 15 Days.

Thank you for your attention to this matter. I trust that we can resolve this issue in a fair and equitable manner. 

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

I am writing to bring to your urgent attention the fraudulent personal information that has been associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress and concern. I have been a victim of identity theft, and I have already reported this incident to the proper authorities. 

This fraudulent information has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your full cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence, and if required, I am ready to take legal action to protect my rights and seek appropriate compensation.
Product: Mortgage

O ur Loan wa s transferred t o OCWEN several  years ago for serving, and since that time, we have encountered numerous issues and concerns.     Most recently, we have been current in our payments for 24 months, and our  XXXX   XXXX ,   XXXX   statement came as quite an unpleasant shock. The statement demanded our regular monthly paymen t ( {$4700.00} ) plus an additional {$12000.00} for a n item simply referred to as a " short payment. '' We have consistently paid the amounts as demanded in each monthly statement, and this charge was certainly unexpected. We relied on the amounts as stated in the previous invoices as we recently decided to put our home on the market in the upcoming months.     I calle d OCWEN  immediately upon my receipt of the  XXXX  statement, and was told that the charge was a result of a miscalculation on their part that allegedly began several years ago and just came to light recently.     I requested a full amortization of the loan amount to substantiate this added charge, and was provide a form letter that basically stated that they reviewed our file and the charge is, in fact, " valid ''. I was advised that severa l   XXXX   home  owners would be receiving similar letters as they just discovered this massive miscalculation.     I am not in any position to pay {$17000.00} by  XXXX   XXXX ,   XXXX  , as demanded on the statement. When I spoke to the  OCWEN  about this, they mentioned that I could pay this off at any time.     I have no idea why I am being charged this amount, have been given no support, other than their calculation was made in error. I relied on their figures, and planned on putting the home on the market, but now that they claim I owe additional funds, I am unable to do this. I feel I am entitled not only to have this charge removed from my account immediately, but am also entitled to punitive damages for infliction of emotional distress.     For back ground, in  XXXX , we were experiencing financial difficulty due to medical issues with our son. We applied for a modification of the loan, and were not only denied without full explan ation, OCWEN  then demanded we pay the taxes and insurance in escrow, increasing our monthly bill by nearly {$2000.00}, within  XXXX  30 day period. Thereafter, we were charged excessive fees for property inspections which they claimed took place up to 3 times a week, sometimes twice in a day. ( they said they  were drive b ys to ensure we still resided in the home ) I made a complaint, and these were eventually removed, but the modification denial was never explained. We have now been current on this loan for at least 24 months.      Ocwen in sists we owe this additional amount, and refuses to provide support or justification beyond their assertion that the amount is " VALID. I am now prohibited from selling my home because the buyer would not be able to obtain a release of mortgage unless I pay the amount they are demanding. This is unfair, and I 'm hoping you are able to look in to it, especially as it appears it will be effecting many many more homeowners.
Product: Debt collection

I XXXX XXXX am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this 05/02/2021.This agency failed to block in 4 days so now I have to get the cfpb involved because you have clearly broken the FCRA laws XXXX I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. so please don't try to use that stall tactic. I'm telling the CFPB right now in advance that you might try to pull that.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I AM INQUIRING ON THE PREVIOUS INVESTIGATIONS THAT THE CREDIT BUREAUS HAVE PERFORMED. I FEEL LIKE NOTHING HAS BEEN DONE IN THIS CASE .... 

THERE ARE CERTAIN NEGATIVE ACCOUNTS ON MY CREDIT REPORT WHICH HAVE NOT BEEN RESOLVED. THE CORPORATE XXXX XXXX ACCOUNT IS REPORTING FALSE INFORMATION. I WAS NEVER LATE ON ANY OF MY MONTHLY PAYMENT, AS WELL AS I HAVE BEEN A VERY LOYAL CLIENT OF THEIRS FOR YEARS.XXXX XXXX  IS AN ACCOUNT THAT I DO NOT RECOGNIZE, AND I AM NOT LIABLE FOR, THEREFORE EQUIFAX WAS ABLE TO REMOVE THE NEGATIVE INFORMATION PLEASE GIVE ME A REASON WHY EQUIFAX, XXXX  OR XXXX  HAVEN'T BEEN ABLE TO RECTIFY THE INACCURATE, OUTDATED, UNRELIABLE INFORMATION OFF OF MY CREDIT REPORTS. I FEEL AS IF MY CONCERNS ARE BEING DODGED BY THEM AND THIS IS AFFECTING ME IN AN ENORMOUS WAY.
Product: Credit card

US Bank has a promotional offer on their credit card that provides 0 % interest. If you use more than one of the three checks they provide with this offer, the payments you make are applied only minimum payment to the purchase that is due the soonest and applies the remaining payment to the newest transaction, instead of the one that the promotion will be coming due the soonest. Because of this it forces you to pay the balance completely otherwise you are forced to pay interest, this is completely false advertising. Never seen anything like it. Wanted to file a complaint so no one else falls for this,
Product: Debt collection

I moved out of my apartment complex ( XXXX ) in XXXX 2014. Upon turning in my keys, I spoke with the community manager and office staff and was told that I no longer have any balance due to them. A few weeks later, upon dropping my daughter with her Dad ( who lived in the same complex at the time ), I saw that our old apartment had already been let to a new tenant. 

Imagine my surprise when I ran my annual credit reports and found XXXX entries from IQ Data International on behalf of RentCollect Global attempting to collect something regarding my deposit bond for XXXX. 

I previously submitted a complaint to this office ( CFPB ) and that matter was closed as correct. However, I now have current information from XXXX stating that they know I do not owe any money and yet, IQ Data/RentCollect Global is still attempting to collect this debt and still has negative marks against my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my XXXX  child have a credit report with this company and they fail to give me her credit report they sent to me a stall letter and i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 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

Portfolio recovery is constantly pursuing me for a debt I dont owe. I reviewed my report and have informed there company ( XXXX XXXX XXXX ) who alleges this debt originated with them. More baffling is why is portfolio recovery pursuing me for this allege debt when my report indicates this debt was sold to XXXX  XXXX XXXX XXXX NOT PORTFOLIO RECOVERY ACCOUNT. Please delete this account from report there is no validation of debt
Product: Student loan

This company, Nelnet, is handling my student loans. On XX/XX/2017, Nelnet sent 2 policemen to my home in XXXX, NY. They told the police that I had spoken to them that day on the phone ( I do not speak to them on the phone because they have been harassing me all the time, so when they call, I immediately block their number, but they call from a different number each time ). They told police that I had threatened to XXXX myself over the phone that very day. This did not happen. I had to plead and convince the two cops that I was not a danger to myself. I was embarrassed, ashamed, and I felt completely violated because Nelnet lied to the police. I have never had to deal with the police for anything in my entire life. I was completely humiliated. After finally convincing the cops that I was not suicidal ( which was not easy, they kept looking at me like I was insane ), I called Nelnet and spoke to a " supervisor '' named XXXX who claimed Nelnet had " made a mistake '' and that she could not do a single thing for me. Her excuse was that they had called the police on the wrong person. I asked who at Nelnet had decided to lie to the police about me, but she wouldn't give me any information. 

What a miserable, fraudulent company. If this isn't harassment, I don't know what is. Imagine opening your door on your day off of work to see two giant cops asking you if you're about to XXXX yourself. I had just moved into that apartment building a month before, and now all my neighbors heard what was going on.
Product: Credit reporting or other personal consumer reports

I requested that the company send me proof of each alleged collection that is reporting onto my credit report. It has been over thirty days, and I have yet to receive any correspondence pertaining to any of the alleged collection accounts on my report. There are currently one ( 1 ) collection account showing on my account : XXXX. XXXX XXXX XXXX. 

I am requesting PROOF OF THIS ALLEGED DEBT be provided to me immediately. Proof needs to show WHEN this companies obtained these accounts from the original creditor. I am also requesting proof of the original consumer signed contract with my physical signature showing that I ever had an agreement with any of the original creditors as well as the collection companies. I am also requesting to see where this alleged debt was sold to XXXX XXXX XXXX with the balance on it that I allegedly owe. I am also requesting copies of any papers that bear my signature, verification or copy of any judgment if applicable, proof that the Statute of Limitations has not expired on any of these alleged collection accounts, as well as proof to me that XXXX XXXX XXXX is licensed to collect in my state, with this company 's license numbers and Registered Agent Identification numbers. Failure to respond to these validation requests within 30 days from the date of your receipt for all references to these accounts would violate my rights under the Fair Debt Collection Act, and these alleged collection accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Failure to do so, will result in my consultation with my legal counsel for suit.
Product: Checking or savings account

On XX/XX/XXXX and XXXX, XXXX, a total of {$9600.00} was withdrawn from my business account at Relay Financial, which is associated with XXXX XXXX XXXX XXXX. These funds were originally transferred into the account via a wire transfer from XXXX XXXX XXXX. Specifically, {$500.00} and {$4500.00} were withdrawn on XX/XX/XXXX, followed by {$4600.00} on XX/XX/XXXX. The individual responsible for these withdrawals was XXXX XXXX, a former business partner who used the funds to make subsequent XXXX XXXX transactions through his XXXXXXXX XXXX XXXX. 

XXXX XXXX was removed from XXXX XXXX XXXX XXXX as of XX/XX/2024, relinquishing his 50 % ownership stake. However, due to a delay in processing the updated operating agreement, his name remained on the business account at Relay Financial until the documentation could be finalized. This delay was caused by a backlog at XXXX, resulting in nearly three months of waiting for the necessary documents. 

I filed a dispute with Relay Financial on XX/XX/2024, regarding these unauthorized withdrawals. Unfortunately, Relay Financial informed me that they could not reverse the charges and advised me to file a dispute with XXXX instead. I then filed a dispute with XXXX, but despite providing additional documentation, including the updated LLC Agreement, a letter from XXXX explaining the delay, and screenshots showing that the transactions originated from my account, the dispute was denied on XX/XX/XXXX due to a lack of evidence. 

Both Relay Financial and XXXX have not provided adequate support in resolving this matter, and I am still out of the {$9600.00}. I urgently request that Relay Financial and XXXX take immediate action to credit the funds back to my account. This matter is critical, and the delay in resolving this issue is causing significant financial distress.
Product: Checking or savings account

XXXX XXXX - XXXX XXXX XXXX ( account holder ) initiated an online transfer of {$4500.00} from XXXX @ XXXX account into personal checking account also owned by XXXX XXXX XXXX. 

XXXX XXXX - XXXX posted as transfer " XXXX '' in XXXX 's account however funds never arrived to the instructed destination. 

XXXX XXXX- XXXX submitted a dispute to XXXX claiming that the withdrawn funds were never sent to the external account destination. XXXX claims that they are not the responsible party since they see the funds as posted. XXXX confirmed with multiple departments at Bank XXXX XXXX that funds were never received from XXXX. 

XXXX XXXX- After several attempts, XXXX refuses to take responsibility of the missing {$4500.00}, confirm where in fact the funds were sent, or how they plan to rectify the situation. As of XXXX XXXX, the funds are still missing out of XXXX XXXX 's accounts as XXXX has seemingly misallocated or outright lost {$4500.00} of their customer 's money.
Product: Checking or savings account

On Friday XX/XX/XXXX I had a total of {$22.00} on my cashapp. The next morning which was Saturday XX/XX/XXXX I woke up to only {$5.00} with no transaction history I have been contacting cashapp for over 24hrs about the problem & they arent replying. That money was for food not for them to take. As you can see in picture I was sent {$51.00} I used only XXXX my card was locked so therefore XXXX declined so nothing could take money out of my account but there is clearly money missing & as stated no transaction history it doesnt even show where it went
Product: Debt collection

Debt collector and merchant XXXX XXXX XXXX won't provide proof of debt. I paid my dental payment upfront on my CC. My insurance was XXXX and they stated that XXXX XXXX XXXX screwed up and didn't submit the claim. The merchant then tried to send me a bill over a year after ( fair debt violation ). Lost my tooth anyway entirely. My regular dentist stated they should have given me a complete refund for the loss. The date the debt collector put on my credit was also way after it happened. I keep filing a dispute on the credit report as inaccurate and sent a letter to the merchant and debt collector asking for proof of claim and debt with no response. There is zero verification of debt. I had a fixed dental insurance amount and I paid and was covered under my insurance. Then they try to bill later because of their XXXX up. On top of it. I am getting hit monthly as the debt collector is filing a no pay monthly. I don't have a monthly payment agreement or anything like that as I dispute the debt entirely and should be refunded. All I want is it to be removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Good afternoon, I applied for a mortgage with XXXX bank and they did a credit check and there is an American Express card on my credit report showing a balance of {$500.00}. I dont have an American Express card and I have never apply for an American Express card therefore this American Express card shouldnt be on my credit report. 

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

I recently complained about LexisNexis reporting to XXXX a bankruptcy on my credit report. LexisNexis advised to me on XX/XX/XXXX that the bankruptcy was removed from their system and that they stopped reporting to XXXX. On XX/XX/XXXX LexisNexis advised on their website that they stopped reporting to XXXX in regard to bankruptcies. LexisNexis responded to me that they have to authenticate my identity when they have already done so and sent me a letter explaining that the information was removed. I have enclosed documents for reference. XXXX needs to delete the bankruptcy off of my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX Lexis Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my Lexis Nexis consumer report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Bankruptcy Records 1 XXXX XXXX XXXX Petite Bankruptcy Filing Number XXXX Please delete, remove and block this information from my Lexis Nexis consumer report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Lexis Nexis consumer report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Driver 's License Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Pacer does not show my full social security number like Lexis Nexis stated. This bankruptcy was filed fraudulently under my name or may be someone's bankruptcy. I have filed and identity theft report so Lexis Nexis can delete this fraudulent bankruptcy immediately.
Product: Student loan

On XX/XX/XXXX I lodged a complaint with cfpb about my forced XXXX XXXX loans through navient. In response navient sent me the misconduct application form as I qualified for it. I submitted it with evidence including my letter as a class member of the XXXX XXXX XXXX lawsuit, lawsuits against the schools both federal and state as well as proof of false graduation rates and employment snd salaries. On the evening of XX/XX/XXXX I recieved emails from navient confirming my application was approve for private loan dismissal. Since XXXX XXXX XXXX XXXX I had been forced to make payments on these loans. Even though my evidence proved I was forced to take these loans out and they were forgiven I was denied restitution. This is unacceptable. Navient has put aside millions of dollars to settle private loan forgiveness. There is XXXX reason for them to deny restitution on school misconduct findings that they themselves approved. I am attaching my misconduct decision on the loans and payment history on the forgiven loans showing all the payments I have made since graduating in XXXX. Again I was forced to make payments on these loans for years. These loans were proven to be unethical and fraudulent. My payments should be returned in full.