23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Attn : Customer Service Vanderbilt Mortgage and Finance , Inc. 
XXXX XXXX XXXX XXXX, TN XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Owner : XXXX & XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Vanderbilt Mortgage and Finance, Inc ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 
Although Vanderbilt Mortgage and Finance , Inc is my loan servicer, I am unaware of the present lender, which is allegedly governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I never gave any written consent to any credit reporting agency to furnish my credit report as required by law Pursuant to 15 US 1681B ( a ) ( 2 ).

Permissible purpose is written consent. No consent equates to identity theft.
Product: Mortgage

On XX/XX/XXXX AmeriHome Mortgage provided us with a check after we re-financed with another company, for the XXXX refund in the amount of {$2800.00}. Unfortunately we did not cash the check prior to the period of 180 days before it becomes void. I called their Customer Service Line at XXXX on the following dates with the following outcomes : XX/XX/XXXX spoke to XXXX indicated she communicated with the Dept that handles closed accounts and a new check would be sent out. 
XXXX ( Pacific standard time ) spoke to XXXX who transferred me to XXXX. XXXX stated she put in the request to have it issue, said new check should be received in 7-10 days. ( length of this call including hold time was 1 hr 10min ) XXXX to XXXX who attempted to transfer me to the Purge Dept ( for closed loans ) but said Dept was having issues and to call back later or on another day.On this day also told I would be unable to speak with a supervisor because there is no open loan number and that is info that they need to put in in order for them to pick up call. 
XXXX Still unable to connect to the Purge Dept XXXX to XXXX and XXXX before being able to get connected to the XXXX XXXX. 
XXXX to XXXX, in XXXX XXXX, indicated process was started on XX/XX/XXXX and that the check was re-issued. She indicated that it takes 20 days to void and re-issue check and this being 20th day, I should have the check within 7 days, to be safe b/c of mail delivery. If we do not get the check, I can call back and request to be connected to her at XXXX. 
XXXX XXXX with XXXX who was supposed to transfer to Purge Dept. After being on hold for 50 minutes, XXXX picked up, not with the Purge Dept just regular customer service. Based on feedback she was getting from a supervisor, the check was never re-issued but first one was cancelled. ( contrary to what I was told on XX/XX/XXXX ) She took down email address so that they could provide me with info about when check was sent out. Indicated I should have it within 7-10 business days. ( length of this call was 1hr 30 min )
Product: Credit reporting, credit repair services, or other personal consumer reports

American Leading Finance Car Loan Account has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The currently reported XXXX XXXX with account number displayed as XXXX XXXX  on my XXXX XXXX report, shown as this information is NOT REPORTED on Experian in this reported claim on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural born citizen of the United States of America. I have rights under 15 USC 1681.

Equifax are govern by 15 USC 1681. They have violated my rights numerous of times. I am demanding the accounts listed below be remove from my credit file.

Why? According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX  account number XXXXXXXX XXXX  account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX
Product: Credit card

MIDLAND CREDIT MANAGEMENT unfair debt collection practices by furnishing debts to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C.894- Collection of an extension of credit by extortionate means. They have taken adverse action against me with forethought and malice, by furnishing inaccurate and knowingly false collections to my consumer report without my lawful authority. This adverse action defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), has negatively impacted my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct disclosure of my nonpublic information in accordance to 15 U.S.C. 6801 ( a ) of the Gramm Leach Bliley Financial Protection Act has been violated. I declare under penalty and perjury that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by State & Federal Law to file. I also understand that knowing and willful statements or omission of material fact. They have also violated Georgia Revised Statue OCGA 16-9-121.
Product: Credit reporting, credit repair services, or other personal consumer reports

Logging into to Equifax always leads to this message. 

" Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX a.m. and XXXX p.m. ( ET ), Monday to Friday. '' Calling Customer Care team led to no answers, very long wait times and representatives were not able to fix the issue of letting me access myEquifax without seeing that error message.
Product: Checking or savings account

On XX/XX/XXXX someone used my Wells Fargo debit card number and also somehow got a hold of my PIN number and spent {$220.00} at a XXXX   grocery store at XXXX XXXX XXXX XXXX. XXXX, AZ XXXX. On XX/XX/XXXX when I saw that the transaction was pending on my account I immediately turned off my debit card and contacted the bank. After Wells Fargo investigated, they determined since the fraud had been committed with knowledge of my PIN number, they could not verify that it was in fact fraud and denied my claim therefore I am out the entire {$220.00}. At no point was my debit card not in my possession and I was over 50 miles away when this transaction occurred.
Product: Debt collection

On XX/XX/2023 i get a credit alert of a collections hitting my report. I have not received any letters in regards to the debt nor have a i received any verification, of the debt. 

The debt collector failed to validate the debt. By law 15 usc 1969g Confess states they must provide all XXXX requirements. Pursuant to 15 usc 1692g XXXX does not state that providing this validates the debt, pursuant to the FDCPA. 15 usc 1692a 5 ) XXXX ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Furthermore under 15 usc 1681 Consumer reports are our reputation and furnishing a bad debt has ruined the reputation of the consumer ( myself )
Product: Checking or savings account

On XX/XX/XXXX, at XXXX XXXX ; I went to the XXXX Post Office ( XXXX XXXX XXXX XXXX in the XXXX to buy two different money orders for a total of {$1500.00} : {$800.00} and {$700.00}. I gave {$800.00} cash to the clerk and told him to charge {$700.00} and the money orders fees on my debit card. When I was putting my pin number I saw a total of {$1500.00} in the machine. The clerk put the receipt and the money orders in an envelope. On the receipt it is showing {$1500.00}. On the same day in evening, I checked my bank account when I realized that the clerk overcharged my card. All {$1500.00} instead of {$700.00} which represents {$700.00} money order and {$3.00} fees. The next day, early in the morning, I went to the Office to talk to the Supervisor. I didn't see him but I saw the clerk who recognized that I gave him the {$800.00} cash and he did everything right in the system but said he didn't know what went wrong. He made a copy of the receipt and took my phone number to call me back. He never ever called back. I called XXXX XXXX XXXX and I have a CA number : XXXX and a ticket number : XXXX. 
I went to the bank to change the card and claim my money. The bank misunderstood and gave me {$1500.00} credit. I called and the bank took the money ( {$1500.00} ) back. I  made another claim and the bank gave {$800.00} credit, took it back, I made another claim again and and the bank gave {$800.00} credit, and took it back again. The bank said that after their investigation, there was no error occurred that day. I request the documents on which their decision based. They failed to provide those documents until now. 
The Post Office sent me a proof that they issued a refund of {$700.00}. I called them to rectify the amount. It has to be {$800.00}. They said it was corrected that I should be receiving my money 3-5 business day BUT NOTHING. The Post Office said to go to the bank and file a Regulation E Dispute to get my money back. 
Previously, I told the bank that the debit card I used to make the transaction is closed, if it will cause problem about the refund and they said no, and added that the money will go thru the account and the routing number to not worry. 
When I when to the bank with the proof that the Post Office issued a refund which I am not seeing, and I want to file the Regulation E Dispute, the bank refuse to do that twice in their office even online once. My fight is to get my money back. I dont know why the bank is refusing to do so. And the bank said it might be because the card was closed. I said to them : you told me that there is no problem about it. The bank should file the regulation E dispute to give me my money. 
I need your help to have my money back. If the bank keep refusing and the Post Office refused to use my account and routing number, who is losing? I need your help please. 
Thanks Attch ; -statement to the post office -receipt of the transaction - bank statement -copies of all exchanged e mails
Product: Mortgage

My issue is with Wells Fargo. They are refusing to consider any options to allow me to get back on track with my mortgage payments. I fell behind after over 10 years of on time payments due to major health issues that my wife has experienced the last few years. She was diagnosed with XXXX and then had XXXX XXXX issues which affected her XXXX and XXXX. This was exacerbated by issues from XXXX XXXX and blocked XXXX going to her XXXX. She was no longer able to work and the medical treatments were very expensive. I struggled for a long time but eventually became delinquent on my loan. I am on fixed income and could not take all of these unexpected expenses at once. I am XXXX military and on fixed income receiving SSI, military benefits and also a pension. Once I was able to get more stable on our expenses I reached out to Wells Fargo to see what could be done to resolve the missed payments. They first time I contacted them their agents stated that they would not negotiate with us, they would not consider any options, and that we had to wait two years in order to be considered for any assistance. They said the only way to fix this was to reinstate the loan XXXX about 4 months delinquent at that timesomething I could not do ). This was very frustratingWells Fargo received over {$30.00} XXXX in taxpayer bailout funds and they are required and obligated to conduct a review of our financial information to determine our eligibility for government, internal or GSE programs. Their stark refusal to even open a review is not only unethical and immoral but wrong. We are not asking for a handout, we just need a helping hand to get through this crisis. 

My most recent conversation with their agents was even more alarmingthey told me that since my loan was close to maturity that they could not negotiate or consider any type of workout option. Once again, this is not only unethical and immoral but it is wrong. My loan is amortized over 15 years and that makes my payment much higher. If Wells Fargo would change the amortization and increase the term this could be resolved. They could also recapitalize the late payments back into the balance. Or they could lower the current interest rate through modification. There are several options that Wells Fargo could consider and it is despicable that they turn their back on my family in our time of need. We paid as agreed on our first and second mortgage for well over 10 years, yet when we run into major health issues they turn their back and look to foreclose on us.
Product: Credit reporting or other personal consumer reports

The disputed account XXXX XXXX XXXX on XX/XX/2024 was incorrectly resolved by Experian. I have never lived in XXXX
Product: Debt collection

Bridgecrest falsely updated my account status to OPEN and erased payment history from XXXX they also updated XXXX AND XXXX with two different reports for this account .I attached all evidence. I have receipts from payments made during those years. Bridgecrest is violating several consumer credit laws and Id like to sue for each .The photos describe what my account reflected before the dispute and then what Bridgecrest falsely updated. These attachments show that the last payment made was in XX/XX/year> but shows a non payment for that month everything on this account is WRONG
Product: Credit reporting or other personal consumer reports

I never had any criminal history or knowledge. It showed up on Checkr background check. 

Case Number XXXX File Date XX/XX/XXXX Court Jurisdiction TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Name XXXX XXXX XXXX XX/XX/XXXX Charge THEFT PROPERTY GREATER THAN OR EQUAL TO {$100.00} LESS THAN {$750.00} Charge Type MISDEMEANOR Disposition WARRANT Ofense Date XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

I'm using my right to object to these erroneous and non-compliant things as a result. You will only demonstrate your lack of concern for my rights as a customer if you ignore my requests. Reporting information that hasn't been verified as ethical and compliant with recognized reporting standards isn't fair. Once more, I contest these assertions and want documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have tried to dispute this matter directly with the all 3 measure reporting agencies, all of them have denied to remove correct or adjust to several derogatory items that is enabling me from making any credit purchase.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 file a claim for unauthorized transaction for {$9100.00} I provided dacuments that proof that they weren't mine bank denied claim an olso I file a claim because the bank made an unauthorized electronic transfer for XXXX it's exseted the time ten days invetegation prosese they refuse to give a credit
Product: Money transfer, virtual currency, or money service

Paypal refuses to fix their security algorithm that keeps flagging my account every time I make a payment. I literally need to call them every single time I need to make a payment through them and basically ask if it 's ok. They are not my bank and all of them have no idea why PayPal is doing this to me. I have proven my identity every time I have called to the point I have no more information to send them. They literally took every drop of personal info I had and still was n't enough. They are acting in control of my own money when they have no legal right to. I have to call them 20 times in one day to do business on XXXX. Every single online transaction needs their approval. Why. Who do you guys think you are. It is literally costing me money to deal with you guys because your own failure as a company.
Product: Credit card or prepaid card

I have written to the cfpb in early XX/XX/2019 about Capitalone. On XX/XX/XXXX XXXX XXXX from the executive offices made contact with me offering little detail to the exact reason my account was terminated and replied its under investigation she will be in contact with me. She sends cfpb and myself the alleged findings but never made contact after by phone. She lied in her statement from top to bottom claiming that the consumer reporting agencies contacted her offices on an alleged FTC report I submitted claiming my account as XXXX. I have letters from all 3 of the reporting agencies stating that capitalone is the one whom made contact with them on 3 different dates removing the account from my credit report as XXXXXXXX   causing a XXXX alert to be placed on them. Her report also said I discussed I was not trying to salvage any possible way to keep the account in question and thats not true I begged pleaded with her and she was to follow up and never did. XXXX is very unprofessional she has never addressed this with concern for the consumer but as a way to cover their corrupt behavior. I have suffered hardship and XXXX   pain XXXX and XXXX. I have been deprived of my Act rights and also my anti trust is violated. I am intimidated by capitalone because it seems they can just get away with anything and little old me will just have to tolerate it. Prior to this horrific event I had no real complaints against them but this is beyond rediculous. Do they have some kinda immunity to be able to lie their way through and strip a US citizen of his/her rights by law and even morally. I emailed XXXX XXXX as well and he is to busy for poverty clients trying to undo his employees mistakes. I have tried up to date to mediate and I yet no one can offer that at capital one. XXXX report has her number extension and employee ID and why she refused to talk with me even after submitting it in writing claiming she would be willing to help any way she can. I have proof to provide in my accusations that her lies are just random information she had access to in order to make this whole event look bad on my behalf and Im sorry to say she just made themselves look more foolish. Lastly I was told I could file for a new account which I did and was denied for an past hour obligation being this account that she states Im not responsible for yet their system is the only place this account is reflecting still how convienent. Equal fair credit opportunities stripped from the little man here in the land of the free Good work capital one you should be ashamed of your self!
Product: Money transfer, virtual currency, or money service

Zelle has improperly issued the wrong amount of funds twice out of my account. It also never showed a disclaimer until recently saying to make sure you are sending money to the right/requitable person until recently saying.