23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My previous mortgage holder was XXXX since XXXX and they approved my modification agreement to affordable terms in XXXX XXXX. 
In XXXX XXXX I was notified by Select Portfolio Servicing Inc. ( SPS ) that my mortgage was transferred from XXXX and they were not obligated to honor the modification agreement workout from XXXX. 
Therefore SPS rearranged the agreement and added back the arrears that XXXX removed for the agreement terms to work. 
SPS increased the mortgage beyond what I could afford and the arrears began to incur additional interest and penalties. I continued to pay the mortgage until XXXX XXXX while trying to obtain a new modification agreement with SPS. 
For nearly two years I continued to apply for the new modification agreement with SPS. In XXXX XXXX I was notified that the modification application and two years of effort was denied. They stated the numbers did not work for their investors and underwriters. 
Subsequently, they recommended and approved a Short Sale option in XXXX XXXX with a relocation allowance. The other option was foreclosure losses, a damaging credit rating and no relocation allowance. 
A purchase offer contract was presented to SPS by the real estate agent in XXXX XXXX. SPS sent a Short Sale Counter-Offer letter XXXX XXXX, XXXX. Subsequently SPS sent a denial letter XXXX XXXX, XXXX stating " The Short offer presented does not meet our minimum acceptable net proceeds. '' XXXX XXXX, XXXX letter states SPS " has received your request for a Home Affordable Foreclosure Alternative Short Sale Payment Plan. SPS is unable to approve your request for assistance at this time for the reasons marked below. '' " We have determined that this option is not available at this time. '' I have owned my home since XXXX. I had financial hardship due to economic decline in my field of work as a consultant. They were errors in the transferring of my mortgage since it transferred over 4-5 times previously and I obtained attorney consultation to assist me with pursue the errors with other mortgage companies in addition to SPS not honoring XXXX modification agreement. However, I am unable to pay additional attorney fees for research of documents over the last ten years. 
The equity value in my home has diminished by over {$100000.00} since the banks transferring my mortgage were taking place in the last several years. My home was appraised in XXXX at {$250000.00}. The current mortgage is {$230000.00}, which include the payments, penalties and interest accrued since the XXXX XXXX when the Short Sale Option was approved and in effect. The current assessed value according to the bank is {$150000.00}. That is {$83000.00} under the value of the current mortgage. 
It is my ultimate desire to keep my home and have the terms affordable and the arrears removed to the back of mortgage as XXXX previously proposed. Also, I would like the current principal mortgage adjusted to the current market value as assessed by the bank.
Product: Money transfer, virtual currency, or money service

I have money in Gemini that I cant withdraw, they are holding my money since weeks. I contacted customer support multiple times on every platform and I have no replies. I linked my bank account automatically with plaid in order to withdraw my funds. It says it was done successfully but I still cant withdraw.
Product: Checking or savings account

I was the victim of check fraud in late XX/XX/2024. I called Bank of America to explain to them that I was a victim of fraud. They told me that the check should bounce and that my account should not be affected as long as I reported the fraud and do not spend the funds from the check. A couple of days later they closed my account without notifying me, effectively freezing the funds that I have in the account which I need to pay my bills and generally live my life. I have spoken to customer service multiple times explaining that my job has direct deposited my paycheck into an account that I have no access to. They advised me that the account will be officially closed on XX/XX/2024 which is more than a month since the incident has occurred. When the account is closed they will send me a check for the funds that were remaining in the account. I am currently taking out personal loans and asking family members for financial assistance due to the negligence of Bank of America and them lying to me about the fraud not affecting my account. If they would have told me with sufficient time that the account was going to be frozen for more than a month then I would have had the opportunity to move the funds out of the account. Now I am struggling with paying my rent and bills and groceries for my family. Bank of America has XXXX empathy for my situation, even after I explained to them that I was told that my account would not be affected. They claim that they can not send me the funds until the account is officially closed which is unacceptable due to things costing money and me not having access to mine. I was a customer with them for over 20 years and never expected to be treated like a criminal especially after I called them immediately after noticing that the fraud had occurred. They have a recorded conversation of them lying to me about my account not being affected but to refuse to pull the record to prove me right.
Product: Debt collection

this company has called me several times threatening if i dont call them back they will take action. They never state where or why they are calling. They call several times a day. They also call my friends and family asking personal information about me. I have asked them what company they are with and they wont tell me. Repeat that 'I am hiding from someone and should be ashamed '' They have threatened to call my work place. The  Guy on th e other line identifying himself as  XXXX   XXXX  is very unprofessional and speaks to you very rude and disrespectful. He also states he sends mail to my house that I must respond to. I dont know what mail or even the name of the company he is with.
Product: Checking or savings account

I had to file several valid disputes in which Usaa flag my acct and restricted my debit cards without proper notice before or after I contacted them about my cards not working. I was told I would have to possibly wait well past 90 days until all disputes have been resolved before I am able to even use my debit card again. It is my right a dispute so am I being accused of fraud from my own bank and beyond me and is absolutely unfair. From my understanding per usaa depository agreement I should have been properly notified and I never was.
Product: Money transfer, virtual currency, or money service

I have been the victim of wire theft involving Wells Fargo. 

On XX/XX/2018, I wired {$220000.00} to a Wells Fargo account - I believe in XXXX XXXX - ABA XXXX, Account number XXXX. 

I was in the process of buying a home in XXXX, PA. I was paying cash rather than taking out a mortgage. I am a XXXX-year old retiree with no current income and was using my savings to buy a new home. I was instructed to move the above amount by a wire fraudster using the name and email format of my Title Insurance Company with whom I had been corresponding on a regular basis. 

I discovered the theft within 3 days and notified my bank XXXX in New York who then contacted Wells. 

XXXX received 2 sets of repayment from Wells Fargo on my behalf - {$34000.00} and {$22000.00}. These were credited to my account on XX/XX/2018. 

A remaining {$160000.00} has yet to be returned to me and I have received no information on how the amount returned was calculated and where the rest of my money is.
Product: Debt collection

I never had a contract with this debt collector for any debt. I have asked ( XX/XX/XXXX ) this creditor to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. This request was never fulfilled. My second request for this verification was XX/XX/XXXX. It was never fulfilled. After disputing this account with the credit bureaus and it was deleted from my XXXX and XXXX report but XXXX failed to perform an investigation and delete the disputed information. According to the FCRA, If a bureau finds that information is inaccurate or incomplete, it must correct the information and notify the other credit reporting agencies that received the information. This account was last reported on my credit report XX/XX/XXXX. 
I submitted this statement to the XXXX  and IC Systems responded as such : The information in this complaint is substantially the same as disputes previously received through a consumer reporting agency. IC has already investigated and replied to the credit reporting agencies ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Nevertheless, IC has referred to the creditor and/or its records for additional information to respond to this complaint. The results will be sent directly to the consumer within 30 days. 

I also submitted a XXXX  complaint to XXXX XXXX XXXX and it responded as such : As none of the client contact information provided links to any XXXX records we are unable to look into this matter further. 
Please note that XXXX does not have any control over the credit bureaus and what they or collection agencies report to, or about individuals. If this is related to a XXXX record we would need the client information as it appears on the account. 
With this information it is apparent that this account can not be proven to be mine and IC System would have found this out if it had actually investigated my prior complaints.
Product: Credit reporting or other personal consumer reports

I have been complaining to Equifax since XX/XX/XXXX about several inquiries that they have posted on my credit report. These inquiries listed below are NOT mine and I did NOT authorize these inquiries and i do NOT have any knowledge of these inquires listed below. These inquiries listed below are the direct result of identity theft. PLEASE DELETE THIS INQUIRIES IMMEDIATELY!!!! The inquiries are : XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found the account that was not mine. This account have never been opened by me or with my permission. I need your assistance to stop this account from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any account mentioned in an identity theft report. To aid with the blocking of the fraudulent account that was discovered on my report, I have included some document. 
XXXX XXXX XXXX XXXX : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you in advance for your prompt attention to this matter. 

I have information on my reports that are outdated and I believe they are affecting my credit negatively. 

I no longer live at XXXX XXXX XXXX XXXX, XXXX NC XXXX Nor do I live at XXXX XXXX XXXX. 
XXXX NC XXXX I also request that all XXXX of my past job history information be removed. As I feel this information is not necessary to be shared. My personal phone no. and address puts me at risk. Please remove. 

My only name and always has only been XXXX XXXX XXXX Thank you! 
XXXX XXXX XXXX
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, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 and 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 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: Debt collection

I have received letters and phone calls from this debt collector demanding that I pay a fraudulent PayPal debt. The debt is not mine and I have no knowledge of where it came from or how it became associated with my name. The phone calls from the company are harassing in nature, accusing me of lying and deceiving them when I refuse to turn over my personal contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. My name is XXXX XXXX. 
A few months ago our property management " XXXX XXXX '' decided to report our rental payments to credit bureaus, which I never signed up for and that clause was never on our lease in the first place. 
My roommate XXXX. hasn't paid rent for XXXX months, and for some reason this affected MY credit score.We are not a family with XXXX, I am not her guarantor, we have got all our names of the lease separately, all of us had undergone separate credit check upon moving it, and now management is making me accountable for her late payments? Management chose her and approved her when she moved in, I have nothing to do with it. 
Also, they NEVER informed us late payments would affect credit score of everyone living in the apartment. 

I always pay on time, ALWAYS. I've built a perfect credit score of about 750. Now it went down by 90 points because of that. This is an absolute absurd and technically my personal data infringement. Ive been meticulously building my credit score, Ive put real hard work in it. This error should be taken off from my credit report because its not associated with me in any way. 

I'm attaching evidence our rent payments for the past few months from which you can see I have always paid on time. 

Please assist. 

Property management contact details : Direct Management XXXX XXXX XXXX XXXX XXXX NY XXXX P. XXXX F XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting frevious and false information that the account is charged off and that it is currently past due which is a attempt to apply hardship against the aledge debtor. A account can not be currently past due and also be indicated as charge off. Experian, XXXX XXXX and XXXX has failed to removed continued inaccurate information that needs to be verified from the reporting debtor and not from XXXX party agencies there I will execute my right to claims fines per existing error. Debtor has requested signed documentation bearing signature of aledge account bearing obligation.
Product: Credit reporting or other personal consumer reports

The following accounts are claiming to both own the same det, with a balance. As you know, this is not possible and also a violation of my rights. Due to this BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested below deletions are made, please mail me an updated copy of my credit report. 

Name : XXXX XXXX XXXX XXXX Highest Balance : {$12000.00} Account Number : XXXX Opened : XX/XX/year> 2019
Product: Credit card

Account with XXXX was paid off in full in XXXX. Found out in XXXX about late fees with company for {$6.00} in interest every month since then. Asked to pay the account interest in off ( which should have happened to begin with ) and close the account. Commenity Bank rep told me he could not do and that I would have another interest charge next month. This was about to create a vicious cycle. Was transfered to supervisor. Supervisor took payment for fees and claimed they closed account with a receipt coming to my email. Receipt was never received.
Product: Credit reporting or other personal consumer reports

there is information on my consumer report that is a result of identity theft. i did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. the identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on a basis of material misrepresentation of fact. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF. XXXX, XXXX, and Equifax refuse to abide by FCRA regulations on multiple attempts. they continue the reporting of fraudulent accounts on my consumer report. attached is more proof that the investigation they claim to have made is in fact false as these companies report different days, amounts, types of accounts, some report open as others report closed. this is all FRAUD and the reporting agencies have done nothin g to protect my consumer rights. making them civilly and criminally liable for all the damages i have been through these past few months.DO NOT ATTEMPT TO DELAY THIS 60 DAYS. THIS BLOCK MUST BE DONE WITHIN 4 DAYS OF THIS NOTICE, PURSUANT TO 15 USC 1681C-2.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquires. I have asked for them to be removed and the Bureau did not do what I asked. I am providing an identity theft report which I will attach to this message. I am requesting them to be removed because they are incorrect and not mine.
Product: Credit card

I FILED A COMPLAINT WITH THIS OFFICE BACK IN XXXX 2015 WHEN SYNCHRONY BANKXXXX CHARGED MY ACCOUNT A {$25.00} LATE FEE BECAUSE THEY FAILED 2 APPLY THE FINAL {$5.00} XXXX XXXX MY XXXX ACCOUNT AND THE THIRD BANK ACCOUNT I USED. .ALLOW ME 2 STATE FOR THE RECORD THAT I NEVER APPLIED FOR A XXXX CREDIT CARD WITH ( SYNCHRONY BANK ) I APPLIED 2 ( GE BANK ) AND UP UNTIL THIS ISSUE I NEVER WAS CHARGED ANY EXTRA FEES.NOW THERE IS ALSO ANOTHER ISSUE THAT I INFORMED CFPB & THAT WAS INTEREST FEES THAT HAVE BEEN APPLIED 2 MY ACCOUNT OVER THE PAST 3.50 YEARS FOR ITEMS THAT WERE PURCHASE ON A FLEX PAY OR VALUE PAY THAT ACCORDING 2 XXXX WAS SUPPOSE 2 BE INTEREST FREE.WHICH I BELIEVE IS FALSE ADVERTISING.NOW RECENTLY I LEARNED AN ADDITIONAL LATE FEE IN THE AMOUNT OF {$35.00} AND WHEN I ATTEMPTED 2 CHARGE AND PAY WITH MY DEBT CARD WHICH WAS DENIED BECAUSE SYNCHRONY BANK ONLINE PAYMENT STATED IT THE CARD WAS A CREDIT CARD THAT 'S A LIE BECAUSE IT CLEARLY READS ON MY CARD DEBT AND 2 PROVE IT I WENT AND WITHDREW SOME MONEY @ A LOCAL XXXX AND HAS 2 DEPOSIT IT INTO MY XXXX XXXX XXXXONE MORE THING I BELIEVE IT 'S ILLEGAL FOR A BANK XXXX CONTINUE CHARGING FEES WHEN THE ACCOUNT IS IN DISPUTE.
Product: Debt collection

On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on two others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was serving ten years in XXXX Prison when this collection was put on my credit report. So this is ID Fraud
Product: Money transfers

The reason I am submitting this form is I fell for a scam for modeling. On XXXX I was contacted by a man or woman named XXXX XXXX they claimed they were the XXXX. After we exchanged a few emails, he or she told me they are sending a check from XXXX bank in the amount of XXXX dollars. After the check was received I deposited it and proceeded to follow their instructions which were to send XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX. Today I received a notice in the mail stating that the check has bounced and that my account is frozen.
Product: Mortgage

Someone tried to get a mortgage in my name and its on my credit report as a hard inquiry the dates are XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and they said I had to wait 2 or 3 years before it comes off but why it not me. XXXX and E mortgage. They are the names of the mortgage companies