23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BELOW IS A MORTGAGE AUDIT INFORMATION REGARDING THE SECURITIES FRAUD The Company Is Violating International Treaty Law, Trust Law, Contract Law, State And Federal Law. Complaint Has Been Forward To The XXXX XXXX For XXXX XXXX XXXX XXXX XXXX FRAUD. I RESCIND ALL POWER OF ATTORNEY AND ALL CONTRACT OBLIGATIONS AND EXERCISED MY EXEMPTION TO DISCHARGE, SETTLE AND CLOSE ALL ACCOUNTS RELATED TO CUSIP # XXXX AND XXXX XXXX XXXX XXXX AND ACCOUNT NUMBER XXXX. Trust name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dated XX/XX/2022, regarding a loan for {$340000.00}. The Original Lender of the XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The signed Note is NOT indorsed XXXX  of XXXX XXXX XXXX dated XXXX XXXX, 2022 and filed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 as XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX  The XXXX Intangible Obligation ( The Debt ) is owned by the XXXX XXXX Trust ; however, it can only be determined if the original XXXX Note XXXX XXXX physically delivered to the XXXX XXXX Trust by checking with the XXXX of documents. Until then, there is no evidence that the XXXX XXXX Trust possessed in any manner the XXXXXXXX XXXX before rights to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX were stripped away shortly after the XX/XX/2022, signing. The beneficial interest ( ownership ) of the XXXX XXXX  has been recorded in the XXXX XXXX XXXX XXXX  of the XXXX XXXX XXXX XXXX XXXX in the name of XXXX XXXX XXXX XXXX XXXX XXXX, the Original Lender of the loan dated XX/XX/ 2022. However, it is clear that XXXX XXXX XXXX XXXX XXXX XXXX sold all ownership interest in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX shortly after the XXXX XXXX, 2022, signing. By the XXXX XXXX Trust purchasing the XXXX XXXX XXXX XXXX XXXX XXXX  ) and doing with it whatever was done, the XXXX XXXX Trust was exercising rights of ownership over the XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX. By exercising rights of ownership over the XXXX XXXX XXXX and the payment stream, the XXXX XXXX Trust is making a claim of rights to all three parts of the XXXX XXXX XXXXXXXX XXXX XXXX claim which is misplaced. The XXXX XXXX XXXX only exists through the tangible instruments creating it, the XXXX XXXX and the XXXX XXXX 
The sale of the rights to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the XXXX XXXX Trust without stripping away the rights to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the rights to the XXXX XXXX  could only be accomplished with the accompanying negotiation of the XXXX XXXX  and the accompanying assignment of the XXXX XXXX  to the XXXX XXXX XXXX  which has not happened. Whereas the XXXX as a standalone party has not lawfully been conveyed the XXXX XXXX, much less been filed of record as a secured creditor. The XXXX XXXX  is an unenforceable contract, no longer tied to an obligation to enforce its contractual terms over.
Product: Checking or savings account

XXXX XXXX XXXX filed a Fraudulent Check Affidavit regarding two checks that were issued to a XXXX XXXX, XXXX. The checks specifically stated the company name & XXXX different banks cashed the checks to a personal account. XXXX XXXX XXXX  filed Filed a " Fraudulent Check Affidavit along with XXXX XXXX, XXXX but the banks, who cashed the checks, have not paid City National Bank the funds that they cashed to an individual. It's certainly the bank that cashed the checks issue. The bank should not allow an individual to cash a check that was clearly made out to a company. It has been over 4 months and the only answer I get is we haven't got an answer from the XXXX banks that cashed the checks. I believe the one Bank is XXXX XXXX XXXXXXXX. How long is a reasonable time frame for the bank to return our money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, and I am requesting that this information be blocked immediately. Enclosed, please find a copy of my Police Report/FTC Identity Theft Report with reference number FTC REPORT NUMBER : XXXX, which supports my identity theft claim. 
Under Section 1681c-2 of the FCRA, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four business days. The information listed below is the result of identity theft and must be blocked : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Today I was at work and a person named XXXX called my job to talk to me about debt that is owed to Millennium Financial. I told her I was currently at work but she demanded that I discuss the debt immediately. I then asked for her phone number and she proceeded to give me the phone number but then demanded that I call her by Monday XXXX XXXX I thanked her for the information and she hung the phone up on me. Her tone during the call was unprofessional and did call the number back to file complaint with her company. I also asked for them to never call my job again and that she never contact me regarding this issue. Millennium Financial and a company named XXXX are attempting to collect on this same debt and I do not feel comfortable discussing it with them.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates.
Product: Student loan

I received a letter from the U.S. department of education stating my student loans are being discharged and I no longer had to make payments on them. Nelnet has taken out payments and Ive had to ask for forbearance multiple times which has incurred interest. Legally they were supposed to put my loans on forbearance without interest until the loans were discharged.
Product: Money transfer, virtual currency, or money service

I sold items through XXXX XXXX is clear customer has product when I try and transfer funds to my bank account PayPal charges excessive fees and does not transfer funds timely taking over a week making excuses not to transfer holding my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called to file the dispute on XX/XX/XXXX and tried to explain to them that I was a victim of inquiry issue. I was told that I was not a victim and that they can not due anything because they do not do anything about it. They told me to wait till they get off my credit. 
inquiry that I was referring to was : XX/XX/XXXX and XX/XX/XXXX - US SM BUS Admin XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase freedom advertises that all prescription drugs get 3 % cash back. I noticed on my bill that they only have given me 1.5 % cash back on these purchases. When I brought this to their attention, they stated that the prescription drugs were bought at a grocery store, therefore they are not giving me my 3 % cash back on my prescription purchases. This is false advertisement since my receipts says jewel osco drug and should be categorized as a drug store.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report I sending is to let you know my situation some one used my name and opens credit accounts the police know about it and I get the direction from them to send this report to the credit bureaus and the creditors to and know only ask for a help to fix the problem this is a identity theft the accounts on the list are fraudulent accounts. 
so the next step I don't know I only ask for a help to deleted the accounts from my credit report those are not mine I attach the list of the fraud accounts.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigated but how is that possible if the opened date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also the so called debton each report are different and inaccurate This is grounds for removal, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX Experian XXXX XXXX XXXX I also sent out more more disputes again for investigation and was responded with stall emails from Experian and no XXXX from other bureaus, here are those tracking # XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the
guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

PayPal 's dispute process is completely dysfunctional. I filed a timely dispute and PayPal told me to " escalate it '' within 10 days. But, their app would not let me escalate it. I tried customer service, but they set up their automated system to hang up on people and it's impossible to get to a live person. Their website encouraged me to chat, but I dealt with a different person on every single response. One person said they would issue a credit and then another person told me they wouldn't. And, I can't even keep a record of that because their app prevents screenshots due to a " security policy ''. I even tried XXXX messaging and they did not respond to that either. Looking at the other XXXX comments, it would appear that hundreds of people are having similar issues with PayPal. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been placed illegally in my XXXX XXXX and XXXX  credit reports. This company does not even have valid proof that this was me that this account belongs to and can not provide my ssn at all. My id was stolen years ago and that is not even my address that they have on file. 

I will be consulting my consumer attorney because they are violating my rights according to the Fcra and FTC. This is also harassment and discrimination.
Product: Credit card

This company did not send me a 1099c form before placing this negative entry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A HUD-approved housing counseling agency submitted a modification request on my behalf XX/XX/XXXX. As of XX/XX/XXXX, there has been no decision made, despite several assurances that my documents are complete. These are verbatim examples of texts sent to me by the servicer : 1. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
2. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
3. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your mortgage assistance application. No additional information is required at this time. To end alerts reply stop. 
4. XX/XX/XXXX : Free Msg Alert! From Citimortgage : Your Hardship Application is with Underwriting which can take 30 days. We 'll keep you advised. To end alerts reply stop. 
5. XX/XX/XXXX : Free Msg Alert! From Citimortage : Your Hardship Application is with Underwriting which can take 30 days. We 'll keep you advised. To end alerts reply stop. 
6. XX/XX/XXXX : Free Msg Alert! Citimortgage Assistance Application. No additional information is required at this time. To end alert reply stop. 
7. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop. 
8. XX/XX/XXXX : Free Msg Alert! From Citimortgage : We have assigned a new Homeowner Support Specialist to assist you. A letter/email has been sent. To end alerts reply stop. 
9. XX/XX/XXXX : Free Msg Alert! Citimortgage is reviewing your Mortgage Assistance Application. No additional information is required at this time. To end alerts reply stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 Dept of EdXXXX 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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I have XXXX bank accounts with BB & T ; XXXX saving and XXXX regular or basic. My other services are BB & T checking card or ATM card, and online banking and Overdraft protection. Everything was functioning great since I opened my account in XXXX last year until one day in XXXX of this year, I was contacted in XXXX, to change my saving account type to a checking account type, based on the fact I have exceeded the withdrawals limits for a saving account per Federal regulations. I am not complaining about this fact, as it seems fair within the Federal Regulations. So, I went to the XXXX branch to resolve this matter, and was advised to change that savings account to a checking account, as not be bound by withdrawal limits. In fact, the Branch banker ( level XXXX ) said the transition will be seamless and nothing should change ( besides Yields, etc ). I signed all the new account creation paperwork and specifically asked questions on the Overdraft protection form. To my satisfaction, as to have my overdraft protected and fed from my new checking account, I signed the relative paper or form ( which I have a copy of ). Two weeks later, I started noticing that I am getting charged NSF charges for overdrafts, I thought I was protected against. To my suspicion, the bank emailed me on XXXX XXXX, almost 2 months after the account type switch/transfer. 

My complaint is that they have my signature on the alleged missing forrm/signature and that they refuse to reverse or pay me back the Non Sufficient Funds fee ( more than XXXX USD, but this number is not confirmed yet ) that I incurred because of a misplaced or allegedly missing signature or form.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When XXXX XXXX  XXXX went into lockdown due to the COVID-19 pandemic, I lost my job and subsequently, the ability to make regular payments on my credit cards. I contacted all of the credit card companies - including Comenity Bank, which services XXXX XXXX customers - and requested that my account be placed into forbearance. I was told that I was placed into forbearance and that I would receive notice to resume payments in the mail. In mid-summer, I noticed that a delinquency from Comenity Bank was added to my credit report, which is inaccurate. I filed a dispute and called Comenity Bank, and was told that I never called to request forbearance - which is 100 % completely erroneous. The delinquency remains and it is negatively affecting my credit score. This is an egregious act especially during a very difficult time for those who have lost their job due to this crisis, and the only issue I am having out of all of the banks I work with is Comenity Bank.
Product: Credit reporting or other personal consumer reports

Sent letter stating the account is not reporting correctly on my report. A 1099 was sent and this was a bankruptcy charge-off but there is still a balance.