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

There is a scam that presents itself as a company called XXXX XXXX aka XXXX  XXXX, that uses an app to illegitimately pose as a financial institution for stocks and cryptocurrency and makes unauthorized withdrawals via ACH on people once they know how much is in your bank account. Their illusion of customer service is an automated phone system that goes to email and vice-versa. 

The XXXX scam took {$1800.00} in cash from my account with multiple unauthorized withdrawals that added up to {$1800.00} total. 

US Bank was contacted at the fraud department between XXXX to XXXX to do the fraud claim 3 MONTHS AGO. US Bank initially did it wrong and labeled it a " dispute '' because the XXXXr scam uses multiple merchants and tried to send a small amount back wi

th one of them to give the illusion of " doing business '' with me to prevent it from being a fraud claim, when no business was ever done and even that small return was unauthorized. I had to then physically go to my local bank to refile the fraud claim, which I did with my
local banker who correctly re-added the fraud claims total, found them to be {$1800.00} and resubmitted them by fax from US BANK TO US BANK.

We submitted everything CORRECTLY INCLUDING THE POLICE REPORT NUMBER FOR WHEN I MADE THE REPORT AGAINST XXXX THE SAME DAY. This was both submitted to the banker and sent to the US Bank Fraud Liaison Department by fax AND by phone when I called to verify they received this information and they said YES THEY HAVE.

Since then they managed to LOSE that information which I had to send AGAIN, along with the copies of email correspondence with the scammer running XXXX  that tried to get my new bank account info go defraud me a second time ( which I refused to let happen ). 

They were able to recover only {$1400.00} of the {$1800.00} that XXXX had stolen and tried to close the case. I said ... thank you for getting the XXXX back but where is the other {$400.00} still missing? 

They told me they couldn't find the claims that were faxed and on file suddenly and that I'd have to refile AGAIN in XXXX. 

So I refiled again, and they said they couldn't find it and there is " no way to talk to the fraud department directly and not even US bank employees can reach them half the time ''??? What type of business is this?! 

When I contacted the XXXX  to report them, they magically found an extra claim they said they didn't have for {$100.00}, returned {$100.00} more making it {$1500.00} returned, and tried to close the case AGAIN. 

And I had to refile the claim AGAIN to recover the remaining {$300.00} which they are saying they can't return and their staff acknowledges it should be but has " no idea why the fraud department is claiming they missed documents they have twice and trying to get out of returning my money in full by repeatedly trying to close the case prematurely ''. 

I HAVE CALLED AND TALKED TO THESE PEOPLE ON THE PHONE OVER 72 TIMES AND THEY WILL NOT FIX THIS SITUATION. 

I WENT FROM HAVING XXXX STEALING {$1800.00} FROM ME TO US BANK STEALING {$300.00} FROM ME. 

Can you please help me get my money returned to me that is owed?
Product: Debt collection

Credit Systems International , INC put a debt collection on my credit report. I'm confused because I have know idea what this debt is. This company did not provide me the 1099 C form proving this is real. please remove this debt from my credit report.
Product: Credit reporting or other personal consumer reports

The following accounts are the product of identity theft, I have reached out each respective creditor and as of yet they have not removed these accounts from my credit, please reach out to them on my behalf and resolve this issue. The accounts in question are as follows : XXXX XXXX- XXXX {$920.00} XXXX XXXX XXXX {$0.00} XXXX- XXXX {$940.00} XXXX- XXXX {$2700.00} XXXX XXXX {$4700.00} ( still on EX ) XXXX  XXXX {$4700.00}
Product: Credit reporting or other personal consumer reports

Look, this is my third time writing y'all about a problem with my credit report. The account in question is XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ). This account is closed but somehow, its still showing up as open. 

I'm not asking for another investigation or an update. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), any inaccurate or unverifiable info has got to be deleted from my credit report. So, I need y'all to delete this account right now. 

I've included the proof below. 

If this matter is not resolved immediately, I will have no choice but to escalate this issue to the FTC and take legal action.
Product: Debt collection

This debt is for an alleged debt with XXXX. Originally the collection was XXXX I disputed the collection action/debt and it was removed from my credit report. 

Now obviously the debt has been sold to another collection agency who reported the debt to the credit reporting agencies. 

I have received no communication from the collection agency in regards to this debt. I have requested proof of the debt ( ie signed contract/s, copies of my identification, etc ) To date no proof has been presented for this debt. 

I filed a dispute with XXXX today XXXX and received notification today XXXX that I am responsible. What kind of investigation can be done in 2-3 hours and where is the written proof that I'm responsible for this debt. 

I have advised on numerous occasions that I am unaware of the account in question and that my identity was stolen. Still no resolution. 

If you look at my credit history I don't have any collections. I'm not financially irresponsible nor would I ignore a legitimate debt. 

This is impacting my credit and it should be removed.
Product: Mortgage

Seterus has failed to process a modification application and is in violation of several CFPB regulations. The application was submitted on XX/XX/XXXX and as of XX/XX/XXXX account representatives state there is nothing they can do but escalate the issue again to the underwriting team, their supervisor, as well as the account rep supervisor. When asked to speak with supervisor on XXXX separate occasions with XXXX different Seterus reps : XXXX stated on XX/XX/XXXX there is nothing supervisor can do because they already escalated it, and more recently on XX/XX/XXXX an account rep stated even the supervisor says " hands are tied '' and there was nothing they can do, but re-escalate it. Property is in the foreclosure process and despite the fact there was a modification submitted on XX/XX/XXXX that Seterus is failing to process, they still moved for Summary Judgement on XX/XX/XXXX. 
Timeline:XX/XX/XXXX Application submittedXX/XX/XXXX Confirm of received application, confirming all docs submitted and they will contact us with any additional requests. 
XX/XX/XXXX Follow up - no one assigned, asked for updated check stubs because old expiredXX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. 
XX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. 
XX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. 
XX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. 
XX/XX/XXXX Follow up - no one working the file, Account rep escalated the issue to all parties. 
XX/XX/XXXX Follow up - no one working the file, Account rep asked for a new application because everything had expired. Then found a new underwriter to assign the file to. Underwriter stated it was their fault documents had expired and we did not have to resubmit new documents. 
XX/XX/XXXX Follow up - general inquiry nothing neededXX/XX/XXXX Received letter - They will conduct a through review of information and make a decision whether eligible for assistance. 
XX/XX/XXXX Follow up - status was escrow orderedXX/XX/XXXX Follow up - nothing neededXX/XX/XXXX Follow up - status was waiting for XXXX approvalXX/XX/XXXX Follow up - status was waiting for XXXX approvalXX/XX/XXXX Follow up - status was waiting for XXXX approvalXX/XX/XXXX Follow up - status was waiting for XXXX approval, email sent to underwriter to see if there anything new and request a call back. ( No call back received ) XX/XX/XXXX Follow up - account rep concerned, may not have been sent to XXXX, escalated the matter to all parties. 
XX/XX/XXXX Follow up - Escrow ordered on XXXX XXXXXX/XX/XXXX Follow up - Some review for escrow but no decisionXX/XX/XXXX Received final notice before tax saleXX/XX/XXXX Follow up - No new notes since XXXX XXXX ordering the tax, escalated it, transferred to tax department. Received confirmation from XXXX whom handles Seterus taxes, that taxes have been paid. 
XX/XX/XXXX Follow up - No new notes since XXXX XXXX ordering the tax, escalated it.
Product: Credit reporting or other personal consumer reports

XXXX placed a block on my credit report from being displayed on XXXX Credit Karma since XX/XX/2022. Unfortunately, this denies me the ability to access my credit reports and scores to compare with other major credit reporting agencies.
Product: Debt collection

This account was closed and equipment was returned. THIS ACCOUNT WAS CLOSED WITH A NEGATIVE BALANCE. XXXX even sent me a {$60.00} refund and gave me a credit. 

If this shows up on my credit report and this not closed/removed immediately, I will press charges for harassment against Credit Management LP as well as XXXX. 

I spent multiple times on the phone with XXXX. 

I separate want a letter addressed to me from XXXX and Credit Management LP apologizing for the headaches it has caused me and showing the balance is XXXX out.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS IS PUTTING AN unverified item that remain on my credit report in violation of Federal Law. SOUTHWEST is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO ANY OF THESE NEGATIVE ACCOUNTS! REMOVE THESE COLLECTIONS FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. 
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting

I have XXXX accounts that are the same. Both XXXX accounts are the same and even have the same account numbers with XXXX different status. 
I have a XXXX account that is more than 10 years old and should be deleted.
Product: Checking or savings account

On XX/XX/XXXX a wire was paid into my Chase Checking account for {$70000.00}. for goods and services sold to a client.

Around XX/XX/XXXX or so, I was not allowed to withdraw money from my account because Chase Bank said that the person who sent the wire had recalled the funds.

I subsequently spoke to the client and explained the situation and she agreed to be refunded {$40000.00} since {$30000.00} had already been sent out to pay for the goods she had received.

Around XX/XX/XXXX, I verbally authorized Chase bank - ( the conversation was recorded by Chase ) to refund only {$40000.00} to the client.

Instead of following my simple instructions Chase closed my account on XX/XX/XXXX and told me that I would not get a check.

My client did not get her {$40000.00}. and I did not receive a check. Where is my money?
Product: Student loan

ACCOUNT PAID IN FULL Navient your Federal Family Education Loan Program ( FFLEP ) Federal Comsoldation Loan Application and Promissory Note loans do not match what is in the NSLD/FinAid account amounts. The NSLD original amount of loans come to {$33000.00}. I have 3 receipts that reduce that amount. The First : The XXXX loan you listed as paid for in consolidated was not for {$2800.00} the loan is in default. The Second receipt the loan for {$5500.00} was reduced by {$2100.00} money return to lender XXXX XXXX XXXX = {$3300.00}. The third the loan for {$4500.00} was reduced by the school to {$2000.00} and then returned in the amount of {$2000.00}. The amounts of $ XXXX $ XXXX {$10000.00}. Then this amount was subtracted from the original amount in the NSLD of {$33000.00} - $ XXXX {$22000.00}. Then the original amount was subtracted from XXXX XXXX amount of {$49000.00} = {$27.00}, XXXX the exceed balance. The $ XXXX $ XXXX {$4400.00}. The Borrower Certification and Authorization form page 4 state exceed money amounts must pay off the balance of the loan then the rest of the money goes back to the lender XXXX XXXX. 
Documents sent : Loans in the NSLD/FinAid 3 receipts two from school return money to XXXX XXXX Page 4 Borrower Certification and Authorization were state what do with excess money ( E ) XXXX loan not paid nor consolidated and in default
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed have called XXXX, XXXX, and Equifax numerous times about incorrect information on my report and they continue to blow me off! They are reporting false and inaccurate information and they've failed to fix the situation or hold an investigation. It is now XXXX and they have yet to respond my letter from XXXX! This is completely unfair to me as a consumer that they continue to take advantage of me and stop me from obtaining credit which is my right. Please help because they will not listen to me.
Product: Credit reporting

They are reporting a XXXX XXXX account on my Equifax report from 2010 which besides that it is already over seven time period there is no info whatsoever and reflects negetive on my report because of the way they are reporting it that payment status is uknown. 

Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five collection accounts on my credit report by three companies called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The two collections from XXXX XXXX XXXX are for {$770.00} and {$540.00}. The two collection accounts from XXXX XXXX XXXX are for {$580.00} and {$490.00}. The XXXX collection from XXXX XXXX XXXX is for {$350.00}. All of these accounts are fraudulent reports for alleged debts that have never been validated and the company never sent me a notice of debt or a chance to even validate the debt. XXXX XXXX XXXX and XXXX XXXX XXXX responded to my complaint on CFPB showing that I was correct, and they notified all three credit bureaus to tell them to remove the collections from my credit report due to the violation. XXXX has started to remove the accounts from my credit report but failed to remove two of the erroneous and fraudulent collections. XXXX and Equifax have failed to remove the collections or properly investigate the situation in regard to my FCRA rights. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their reports and scores are so different than each other.
Product: Debt collection

According to the FCRA account # XXXX CREDENCE RESOURCE MA Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. 
XX/XX/XXXX I worked for XXXX XXXX XXXX XXXX. 
XX/XX/XXXX- XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX. 
I purchased my home at XXXX XXXX XXXX on XX/XX/XXXX. 
In XX/XX/XXXX I lived at XXXX XXXX  XXXX XXXX. The XXXX XXXX. XXXX TN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. 

First Tennessee Bank allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXX when began receiving social security benefits. The bank allowed a Breach of Contract to take place. 
The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in Texas, XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX XXXX is using our deceased father social security number. 
Secret Service also notified of fraud, embezzlement, abuse of His Housing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Tower Loan are being reported as inquiries on all credit reports. I do not recognize any of these and did not give authorization.
Product: Credit reporting or other personal consumer reports

The INQUIRIES listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I've tried to get rid of PMI as the equity in the house has risen significantly. I've reached out to BOA, to remove it, but I was told that they will not remove it due to its loan value not surpassing the home value of when the loan was originated. I've asked them to send a appraiser to see current market value, but they have refused to do so. I've told them I will pay for it. They have also said that due the loan not being two years old, so they won't get rid of pmi. I did not find this clause on my closing documents. How are they changing the rules? 

Also there is no transparency in communication, I was told that I would recieve a letter about the decision, not once did I recieve a letter. I was also told that the letter will be visible online but it's not visible online. I believe they are doing this because they know they don't want this is writting.
Product: Mortgage

I was awarded a grant or loan from the Hardest Hit program for {$50000.00} plus. I was never told of the correct amount from the Servicer nor was I explained where and how the money was appropriated. I wrote them numerous times and asked for an itemized account of how the money was distributed. I never got what I asked for however they gave me three different amount on three different times. The only account of the money was I was told my payment would be {$780.00} per month because of the grant.

With in a few days the Servicer wrote me and told me my payments was raised. A few more days later they wrote me again and said my payment was raised again. a few more days they again wrote me saying the same thing. I wrote the CEO and told him no one was cooperating with me and we have a LAW against that. This is called a QUALIFIED WRITTEN REQUEST ( QWR ). I told them I was not going to pay the raised amount until I see why and if they had a legal right to raise my payments. The grant gave them {$25000.00} for all behind payment for escrow accounts I wrote the CEO more than five times. I have been paying the {$780.00} on time since the grant and they have messed up my credit and never sent me the requested material. I was told about 10 days ago they would send the requested material in thirty minutes but they never did. I had a lady name XXXX from HOPE on the line with me. This Company have messed up my credit with lies about not paying my notes on time ( enclosure ). I have been on time with all my payments. 

When I had this loan refinanced in 2007 the two men that handled the refinancing was not licensed in Oregon. The State nor the Servicers have done nothing about that. I found this out recently. Is this legal?

I have wrote to the Government who gave me the grant but they only tell me to contact the State of Oregon. The State of Oregon start talking and all of a sudden the say let me call you back and the never do. One of the women I spoke to with the State of Oregon said she was the head person. 

I was told by an XXXX XXXX that this grant was not handled by the Laws of Oregon.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX : XXXX. XXXX, XXXX