23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage loan with Firstbank Puerto Rico. The monthly payments are extracted directly from my bank of account every month by Firstbank. The monthly amount is {$1100.00} for which {$790.00} corresponds to the mortgage payment and {$330.00} additional payment to principal. 
XX/XX/2015 I sent a letter to Firstbank requesting to change the bank account number they had in records for the direct deposit since I was closing the account. See attachment. 
XX/XX/2015 Called the bank and made payment over the phone to cover XX/XX/XXXX for the amount of {$790.00}. Received email confirmation that the payment over the phone was processed. See attachment. 
XX/XX/2015 Received a letter from Firstbank dated XXXX/XXXX/2015 stating that the draft in the amount of {$1100.00} has been returned due to insufficient funds. Total amount due : {$880.00} includes {$38.00} late charges and {$45.00} NSF feesXX/XX/2015 - Received a letter from the bank dated XXXX/XXXX/2015 confirming the request to change the bank account number for the automatic debit. 
XXXX/XXXX/2015 - Called the bank to confirm that the new account number was in placed and that the payment for XX/XX/XXXX is being extracted from the new account. The CSR confirmed that the account number was changed to the one I had requested. She also informed me that XX/XX/XXXX was past due. 
I sent a letter ( claim ) requesting the payment made over the phone on XX/XX/XXXX to be applied to the month of XX/XX/XXXX and send bank statement showing that there were sufficient funds in the account and that money came out of the account. See attachments. 
XXXX Mortgage payment extracted for Firstbank for the amount of $ XXXXXX/XX/2015- Called the bank and CSR confirmed that the payment for XX/XX/XXXX was made and now XX/XX/XXXX was pending. I explained to the CSR that the payment for XX/XX/XXXX was made on XXXX/XXXX/2015. She asked me to check in a few days to check if it was applied. 
XX/XX/2015 Called the bank and the CSR informed me that the payment for XX/XX/XXXX is past due. I requested to speak to a Supervisor. I spoke with XXXX XXXX and he said she would check the situation and would call me. 
XX/XX/2015 Called the bank and spoke with XXXX XXXX XXXX XXXX He saw all the transactions in the system and confirmed that the payment for XXXX was applied to XX/XX/XXXX and the payment for XX/XX/XXXX made over the phone was in some kind of " unclassified '' account. XXXX XXXX told me that he discussed his findings with the XXXX XXXX XXXX. I spoke with XXXX XXXX and he said that he already submitted everything to " them '' and we were waiting on resolution. ( call duration:62 minutes ) In order to avoid having the same issue in XX/XX/XXXX, I made a payment over the phone today for the amount of {$790.00} to cover XX/XX/XXXX. I also ran a personal credit report from XXXX and it shows the account on status " 30 days late ''. I would like to see resolution of this situation as soon as possible and would like for the bank to work with the credit agencies to fix the rating information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts to prevent erroneous information in my file : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

this is in fact a follow up to my resent complaint, and after careful review of Ocwen Loan Servicing, LLC there are a number of fraudulent and misleading errors in violation of the Fair Debt Collections Act, mainly, the numerous amounts of paperwork submitted to the Consumer Financial Protection Bureau in which this agency was designed to protect consumers from abuse from mega banks and agencies from the practices gleamed here. mainly the affidavits filed were robo-signed a practice condemned by federal agencies, furthermore, there are a number of holes and gaps in the title chain transfer apparently prior to Ocwen claiming ownership or service connections. The failure to record the required documents accurately undermines and even invalidate the transfer altogether. There are a number of lump-sum payments made by me during the mortgage process which are fraudulently non reflective in any of the vas amounts of paperwork submitted to the CFPB buy Ocwen. I contend that Ocwen has and continue to engage in an illegal foreclosure action as this agency is well aware of the tactics used by Ocwen. it is well settled that every Deed should contain 1. An indication that it is a Deed, 2. Description, 3. Signature of the individual or entity that is transferring the property, 4. Data regarding who is taking title to the property, and 5.  Validly delivered to new individual. These holes and gaps in the chain of title and payments demonstrate fraudulent activity and brings into question of who actually owns the mortgage and has standing to foreclose on said mortgage. In 2010, it was revealed that several large banks routinely used affidavits signed by employees who did not personally review the documents and had no basis tor believing that the homeowner was in default or that the bank owned the loan. Employees for financial giants like XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX have all testified that they signed many thousand of  affidavits a month, spending about 30 seconds on each affidavit, and that they didn't have a clue regarding the veracity of the affidavit or the documents in question-hence the name " robo-signers ''. Since this scandal broke, it has been revealed that SERVICERS robo-signed all kinds of foreclosure documents besides affidavits, like assignments of mortgage and other documents needed to foreclose. Banks can not legally foreclose on a house if the foreclosure paperwork is not in order, as is the facts here, there has been robo-signers which is illegal and in this instance the demonstrably false and illegal faulty paperwork being submitted by Ocwen or any other can not demonstrate the veracity of the necessary documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I submitted a letter to the Experian Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I opened a savings account with Axos Bank a few weeks ago. They had and still have an advertised interest rate for this type of account of 0.61 % APY. In a matter of days they dropped my rate to 0.15 % APY but they are still advertising the same 0.61 % rate on their website and the internet. 

Today is XX/XX/XXXX. I contacted the bank to ask about this and they were aware that their website listed a different interest rate than they were paying me. They said it is a variable interest rate account and it was at the managers discretion that they dropped the rate. Yet they still advertise the higher rate. They would do nothing to address this concern that I raised. I feel they are falsely advertising a higher rate that they initially pay for a few days then do a bait and switch and drop the rate down -- as a means of luring new customers to their bank. The decrease is substantial and way lower than what competitor banks are charging at the same time which today was in the 0.40 % and higher range. 

They had no market basis for their significant drop in rates and still promote the higher rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1700.00} ), XXXX XXXX - XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

XXXX Customer Name : XXXX, XXXX American Express has refused to honor the bonus promotion of XXXX Delta miles under which I opened a new Delta Gold Amex card in XX/XX/XXXX. I easily met the terms of the offer -- spend {$2000.00} within the first 3 mos for XXXX miles. By XX/XX/XXXX, I spent $ 2500+. 
Thus, I should have had XXXX Delta miles credited to my Delta frequent flyer acct. It never happened. 

On or around XXXX XX/XX/XXXX : i chatted online w/ Amex to inquire re : the status. See attached screenshot. Amex claimed to have opened a case to investigate the terms of the promotion and needed to be reviewed and it should take no longer than 6-8wk. I even offered to submit the promotion terms to expedite the process. Amex refused my offer, a red flag. I waited and waited and eventually forgot b/c Amex NEVER got back to me. I never received my XXXX bonus miles. 

On or around XXXX XXXX ( not XXXX ) : I called Amex to close my account now that I was being charged {$95.00} for the annual fee. I inquired about the XXXX bonus miles. Amex confirmed that I met the terms for the bonus miles, i.e., I spent $ 2500+ XXXX   XXXX Case ID Dispute XXXX. He put notes on acct. 
XXXX stated that he's also including {$95.00} annual fee in the dispute to be waived. I asked to change the card to one w/o an non-annual fee, but XXXX said that bonus miles might not be credited. I didn't agree since I met the terms of the promotion a year ago and the fact that it hasn't been appropriately and timely credited shouldn't force me to keep my acct open now. But he/amex advised that I have to keep the card as Delta Gold. My  concern is that if I don't close the card within 30d of the annual fee charge, Amex won't ever credit it. XXXX assured me that it would be credited when the XXXX bonus miles are credited. I asked When should miles post? He said 6-8wk, but I should see it in less than month. Offer code seen. He confirmed that I spent {$2500.00} by XXXX. 
I was concerned that Amex said this same thing a yr ago and never followed up. XXXX reassured me that I would be able to see the dispute he opened about the bonus miles and the annual fee in my online acct under " Disputes. '' Despite logging out and back in, this dispute never showed up. He said to give it more time. 

It's now been two wk and the dispute he claims to have opened is nowhere to be found on my account. Amex is trying to trick me into leaving my acct open so that I have to pay the annual fee {$95.00} even though I haven't used the card in a yr. If I don't pay, Amex will report this as derogatory to the credit reporting agencies.

Amex keeps breaking its promises. I have the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is saying my account is a charge off. There was not 6 consecutive months without a payment. The vehicle was total the insurance company paid. They asked me to pay a little on the account which I am doing. But when you calculate me paying for a vehicle for XXXX XXXX years at XXXX. With XXXX payment deferred and insurance paid XXXX in XX/XX/2022 should not be showing a negative mark on me.
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXXXXXX Account # : Equifax Account Equifax Description : Individual Account Status : XXXX Closed Balance Owed : XXXX {$4100.00} Credit Limit : XXXX XXXX Creditor XXXX XXXX - Banking Date Reported : - XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- XXXX XXXX CollectionOrChargeOff Revolving -- CHARGED OFF ACCOUNT XXXX XXXX -- XXXX -- CollectionOrChargeOff CreditCard Account Rating : XXXX Account Type : XXXX Closed Date : XXXX Creditor Remarks : XXXX Date Opened : XXXX Date of Last Activity : XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX Loan Type : The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! 
highlighted and circled additional areas of concern. 
Also, see the image above for XXXXXX/XX/XXXXXXXX ( XXXX ). Ive I want to bring to your attention Date Reported ( - ) reporting XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! 
Lets examine XXXX XXXX ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! 
Viewing Account Status ( XXXX ) demonstrating Closed. I am reaching out to you because the content of this account does not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finan
Product: Credit reporting or other personal consumer reports

I am demanding IMMEDIATE REMOVAL OR CORRECTION of the inaccurate debt being reported by XXXX XXXX XXXX ( TFS ) due to their continued misrepresentation, failure to report the charge-off correctly, and refusal to correct known errors. 

XXXX. XXXX is Illegally Reporting a Charged-Off Account as an Active Debt XXXX charged off this debt in XX/XX/year>, yet they continue to report a balance instead of {$0.00} as required by credit reporting laws. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is directly preventing me from securing an auto loan. 

XXXX. XXXX is Reporting My Name Incorrectly, Despite Admitting Their Own Mistake XXXX recorded my name incorrectly as XXXX XXXX XXXX, despite my legal name being XXXX XXXX XXXX. I have repeatedly asked for a correction, yet they refuse to fix their own mistake. This is a willful violation of the FCRA, as they are knowingly reporting false information to the credit bureaus. 

XXXX. XXXX Refuses to Acknowledge Their Own Charge-Off Responsibilities If XXXX still owns this debt, they must provide full validation immediately. 
If they have canceled or forgiven any part of this debt, they must issue a 1099-C and cease reporting it as active. 
Their misleading reporting is harming my ability to obtain a loan and causing financial distress.
Product: Credit reporting

I thought I was ordering XXXX free credit report from Transunion. I provided my credit card number as requested to verify my identity. I never saw information about a charge for additional services, but XXXX charges showed up on my credit card bill, XXXX for {$1.00} and XXXX for {$21.00}. When I called customer service I was told that I had ordered a " free '' trial membership ( for {$1.00} ) and when I did n't cancel it within 7 days, I was charged {$21.00}. I never knew I ordered this. The rep referred me to the " escalation department '' who cancelled my " membership '' but refused to reimburse the amount charged. The rep told me I used the wrong website to get my free report, and it was n't their fault. Very deceptive. I now see there are lots of similar complaints online. I never thought to check them out before doing business with them. I thought being XXXX of the XXXX credit reporting agencies to which we are repeatedly referred to check for identify theft, that it would be a reputable company. Clearly not. Can anyone stop them from deceiving others?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Amount {$34000.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX XXXX XXXX Amount {$2900.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX  XXXX  Amount {$7300.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The following information is on my three credit reports. I have never been contacted by this debt collector and I have requested validation of this debt on numerous occasions to no avail. To date, I still have not received any written, verbal or electronic correspondence from " Cavalry Portfolio Services ''.

CAVALRY PORTFOLIO SERVICES Last reported to credit bureaus XX/XX/XXXX {$13000.00} Open balance CAVALRY PORTFOLIO SERVICES Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection ****Account information disputed by consumer**** ****Account information disputed by consumer**** Original creditor name CAVALRY PORTFOLIO SERVICES
Product: Money transfer, virtual currency, or money service

Im extremely concerned regarding how Zelle handles their disputes. Theres has even been a lawsuit filed by the CFPB reiterating those said issues with the money transfer platform.My disputes were not handled correctly by Zelle and the financial institutions due to inadequate investigations. They simply stated that those transactions were infeasible and they were unable to recover any funds lost.Zelle neglected to protects consumers and allow its repeat offenders to exploit the system. Thus leaving users vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My TransUnion credit score dropped 75 point on XX/XX/2019. The only changes shown were a balance increase of {$49.00} with XXXX XXXX XXXX XXXX and a balance increase of {$15.00} with XXXX XXXX XXXX. 

During that same period, my XXXX  and XXXX  credit scores remained the same. 

I wrote a letter to TransUnion and requested that they validate and verify this drastic decrease in my credit score, yet no information was provided from them. 

Please assist in helping me to resolve this issue.
Product: Mortgage

FRAUD COMMITTED DURING MORTGAGE PURCHASE TRANSACTION On XX/XX/XXXX, I closed on a house purchased for {$290000.00} from XXXX XXXX XXXX XXXX XXXX, owned by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. At that time, XXXX XXXX signed a seller 's affidavit stating that he knew of nothing attached to the property. He also failed to disclose that his real estate agent was also his wife, who had a vested interest in the property. Over a year later, on XX/XX/XXXX, it was discovered that there were liens placed on the property by the city of XXXX, XXXX XXXX XXXX. Upon further investigation, it was discovered that XXXX XXXX, XXXX XXXX XXXX, and the title company, XXXX XXXX, were ALL aware of the open municipal code case attached to this property. I have reached out to all of them on multiple occasions. Other than one response from XXXX XXXX stating that he paid the liens, I have not received any communication or resolution on this issue. Upon further investigation and involvement from my realtor and her broker ( who reached out to them multiple times as well ), I was told that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submitting a lien review request to the city on XX/XX/XXXX. As of XX/XX/XXXX, the XXXX XXXX XXXX XXXX informed me that there was no lien review request submitted. They have also assured me, as has the office of XXXX XXXX XXXX, and through multiple phone consultations with local real estate attorneys, that this information is required to be disclosed by the seller and/or their agent prior to the closing of a property purchase. None of these parties disclosed this information even though they were all aware of it. As a result, I have been denied a home equity loan, a mortgage refinance loan, am not able to complete improvements on my property, and am also not able to sell the property due to these liens. I have documentation from the closing of the property, documents from open records provided by the city, and documents emailed from the title company to show proof of this. Not only is this illegal, but it is also unethical of all parties involved. I intend to report each of them to their corresponding licensing boards and other entities as appropriate. I have listed the address information for all parties involved. 
XXXX XXXX, Seller XXXX XXXX XXXX, XXXX XXXX Pay Cash XXXX Houses Owner/Business Development, XXXX Homes XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sellers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Homes XXXX XXXX XXXX XXXX XXXX XXXX Authorized Member XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Houses XXXX XXXX XXXX Seller XXXX XXXX XXXX  XXXX XXXX Pay Cash XXXX Houses XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  Block Request pursuant to section 605C of the Fair Credit Reporting Act To Whom It May Concern, I am a victim of XXXX. I confirm the following information listed below which appears on my credit report is the result of that XXXX. Attached are all the required documents from my attorney and the appropriate authorities.