23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/2018 EverBank, XXXX representatives XXXX XXXX, stated at my closing date on XX/XX/18, that an outstanding mortage loan that was taken On or about XXXX, would be satisfied by the owner. She indicated it was discussed with the sellers representative, and documentation would be provided to me at closing, once the seller pays off the loan from the sale of the property at closing. XXXX XXXX XXXX when so far to state that the loan would then be satisfied and the title would be clean and clear, which would deem me as the rightful owner of the property. The bank knowingly positions a false narrative to purchasing the property, when it was clear that the property could never be sold. 

Everbank was misleading and did not follow banking policies and procedures knowing that I purchasing the property would never be accomplished due to representatives at Ever Bank, XXXX, delayed the process of proceeding to close on the home using many unfair tactics, being aware that the open loan was a loan that can never be satisfied at closing, because in fact the seller had taken out a Home Equity Loan. The bank is well aware that taking out an Home Equity Loan, means in fact the equity is taken out against the home leaving the value of the home is worth less than what it is appraised, due to the equity being taken out of the home. The bank never once dispels this matter to me, withholding this information to me as the buyer. Instead the following representatives ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ), used stall tactics and put unnecessary barriers that refusing to follow policies and procedures, under the notions or in lure of not being able to complete these steps. I was still able to complete all requirements stated on the commitment letter, that Ever Bank, XXXX also delayed dispensing to me as well, which XXXX XXXX were aware and allowed the false banking practices to proceed. 
The representatives, that handled my VA XXXX traditional Home Mortgage Loan process as follows ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), all had the documentation of the type of loan that was taken out against the home ( Home Equity Loan ). The Bank still proceeded to state on one end I was ready for closing, and on the other end I was not ready for closing, due to stall tactics that were against policies and procedures all to distract me from finding out that the seller has taken out an Home Equity Loan taking all the equity out of the home as well as that Deed of Trust is not within the sellers possession. 

Ever Bank, XXXX has convinced me to dispense expenses towards the home, which amounted over XXXX dollars on the intention that I would obtain the loan, knowing that this could never occur due to the seller taking out a Home Equity Loan, which took all the equity out of the home, which the property is worth less than what is appraised for and could never be sold..
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate the customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation e. These actions have caused significant inconvenience in financial loss and I seek appropriate redress for those violations
Product: Credit card

Recieved email from PayPal saying a {$740.00} invoice has been generated under my wife 's account ( XXXX ). The email asks us to reach out to XXXX XXXX at XXXX XXXX WE BELIEVE THIS IS A SCAM ATTEMPT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to a time share presentation with my new husband by XXXX, a subsidiary XXXX XXXX. The time share said they were using my social security number to check if I was eligible for the time share and mentioned along the way that I was eligible for a credit card. I told them I wasn't interested in any of the products and signed a piece of paper declining services. Later that day I received an email " confirming my new credit card from XXXX. '' At no point did I agree to a credit card and it was signed up for using my maiden name. I hadn't told the presenters I took my new husband 's name so they signed me up using my maiden name without ever asking my current name. They didn't even ask if I wanted the credit card but I had told them I didn't want to take on any more debt specifically. This is really bad. My new husband and I were in the process of applying for a HELOC to pay for our wedding and I am incredibly worried their fraud is going to prevent me from being able to pay for our wedding. I need help getting out of their credit card and repairing my credit score. Thank you for anything you can do!
Product: Debt collection

Repeated calls to attempt to collect a debt that does not exist. I did not answer the calls because I saw it was listed as a scam. They then called my husband told his a fake case number and said it was a legal matter
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed some errors with the billing, particularly late payments that don't match my usual record. Please fix these mistakes and update my account.
Product: Debt collection

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

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 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.

Please remove the following items from my credit report, immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX  XX/XX/2022.
Product: Mortgage

We were notified by New York Community Bank inXX/XX/XXXX that our HELOC was going to " expire '' in XX/XX/XXXX and the entire amount would be due at that time. Our original loan documents state the loan terms would end in XXXX. I called and was told this was not true and the letter had been sent in error and that nothing is due. We had filed for bankruptcy and the loan was discharged in XXXX and not re-affirmed. They said all a payments were voluntary. We called many times and were told by New York Community Bank that they were no longer doing any of their HELOC loans and we had better find another lender. We were then sent a new letter stating that our loan would expire in XX/XX/XXXX and this letter referenced our Bankruptcy. We contacted our bankruptcy attorney and she stated the bank violated the Bankruptcy stay by sending us the first letter. But to sue them we would have to pay to do so. We are struggling financially and have missed some payments. She suggested we offer them money to try and buy the lien. We have made offers and now they wo n't even return our calls. They sent an appraiser to our house and when we received a copy of the appraisal they compared our home to homes in a different city with views of the ocean and another home that was one bedroom larger than ours. I spoke with the appraiser when he came in Mid XXXX. Then when we asked for assistance the single point of contact sent us a letter stating they may do an appraisal and requested we pay for it. The appraisal had already been completed at that time. Our HELOC was an interest only loan which was/is predatory in nature. When I tried to get assistance from them back in XXXX they informed me the Obama program did not pertain to HELOCs. I then found an article stating that New York Community Bank was selling all of its HELOCs that it had acquired from AmTrust to XXXX XXXX this article was dated XX/XX/XXXX the banks deal will go through in the third quarter. So it looks like NYCB is trying to call all HELOCs due and not sell them to XXXX XXXX. Ours was one of those as were many others. But they called all of the HELOCs due and gave consumers three months to pay these amounts and if they do n't they can foreclose. What are families going to do? I do n't have XXXX XXXX dollars to give them and how does one of the largest ( wealthiest ) banks in the US not work with families. They wo n't even return my calls.
History : After our bankruptcy discharge they refused to send us statements and they punished us by refusing to credit my payments which were paid in full on our account which I was able to access on-line they broke up our payments into small amounts and said they were short payments. When I called no one I talked to could explain it and they said they would look into it and call me back ... they never did. I have attached a copy of what I was able to print out. I am not able to access my " account '' at all for the last year.
Product: Credit card

I have a Capital One credit card that was used at a vendor 3 times that I never went to, but Capital One claims the chip was used and therefore the purchase must be valid. Capital One cancelled the card and reissued a new card but refuse to credit the fraud charges. XXXX with badge # XXXX refused to reopen the fraud case and refused to take it any further saying if the chip was used, then I must have done the transaction and I must be lying. Capital One can not provide me an address for the company and its impossible to find the company because it does not exist. There is no physical address for the company. XXXX closed the file. Previous Capital One reps that I spoke with XXXX  the company and could not find anything just as we XXXX  it and we searched for the name on XXXX within our law firm and found nothing. We searched Maryland records online and found nothing. I believe I am victim of XXXX XXXX  the card, getting the chip information and reusing it for the charges to this one vendor that does not really exist. XXXX told me the only thing else I can do is sue Capital One in small claims to get the fraud file to be reopened. I was shocked when XXXX said that to me and asked if there is anything further, he can do but XXXX at Capital One said no. The charges were on XX/XX/XXXX and XX/XX/XXXX. Total charges are {$700.00}. The company vendor name is listed as : XXXX XXXX  XXXX XXXX Appears on statement as : XXXX XXXX  XXXX XXXX XXXX MD XXXX XXXX
Product: Debt collection

AARGON KEEPS CALLING MY NO. IN VIOLATION OF T.C.P.A. 
THE PHONE CALLS ARE FOR A 3RD PARTY, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX viewed my credit report and noticed several accounts, addresses and names that remain reporting in my account inaccurate. This is the THIRD TIME REPORTING THIS COMPLAINT. I URGENTLY ASK YOU TO REMOVE THESES INACCURATE INFORMATION FROM MY REPORT. I AM A VICTIM OF IDENTITY THEFT. PLEASE SEE THE ENCLOSED DOCUMENTS I PROVIDED IN THE REPORT. This is very frustrating. All documents have been presented proof of Drivers license, social security and theft affidavit but the accounts continue to be on my report. I need these items removed as soon as possible as theses accounts is making it hard to take care of my financial responsibilities. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. Thank you for your help in this matter
Product: Mortgage

I signed a Deed-in-lue agreement with m & t bank in XX/XX/year>. I send the deed and keys to the bank. Now the bank said they cancelled the DIL and wants me to begin the process all over. They want me to try to sale the house again, go through short sale again, before DIL again. It doesn't make sense. I don't want to retain the property after I have already signed a DIL. They want to continue reporting late payments on my credit report. Lawyer are difficult to get and expensive. Please, help me stop this nightmare.
Product: Mortgage

Existing claim # XXXX if you have questions or need more info contact me via email please - XXXX. I do not have a phone right now. XXXX. XXXX XXXX
Product: Money transfer, virtual currency, or money service

Seems like I need an additional professional help to file a complaint, because abuse is continued. PayPal does not intend to stop power abuse. They created obstacles to confirm my bank account. And it is not just done electronically they confirm my actions by sending me a code on my phone. After finally my bank was confirmed, they began to create problems to transfer my money to my bank. I attached screen prints. PayPal continued to do whatever they want to do in order to keep and play with my money and make up excuses and get away.
Product: Credit reporting or other personal consumer reports

Under code 15 use 1681a2 that my information was sold without my knowledge or consent my credit reports shows my accounts has been written off as a collection debt and it's closed and still on on my credit reports XXXX. XXXX XXXX XXXX ( XXXX XXXX ) for {$460.00} XXXX. XXXX XXXX ( XXXX XXXX ) for {$470.00} XXXX. Diversified Adj Services for {$100.00}
Product: Credit card or prepaid card

I had gotten an alert from XXXX XXXX monitoring that new inquiry was made by USAA on the XXXX of XXXX I tried calling multiple times to close or report it as fraud, so it doesn't get approved since I didn't know anything about the USAA CC. I was transferred a dozen times each time I called or was put on hold for hours without any response. I requested a XXXX and after an hour was told it was approved to talk to a XXXX, but then was cut off during the transfer. I had XXXX more credit alerts this week XXXX the address was changed to XXXX XXXX XXXX XXXX in Tx and there was a {$14.00} charge and I lost XXXX points on my credit. I tried calling USAA, but no help I called XXXX and they looked into it. There was an CC issues at the end of the year 2000. I never activated it so almost 20 years later they did a credit inquiry and charged me {$14.00} for nonuse of a credit card I never used 20 years ago. For some reason USAA changed the XXXX address to the shady XXXX XXXX in Tx and that is their credit card department address is what i was told. After XXXX hours of being on hold today I still have gotten nowhere with them. I need the card any anything associated with USAA cancelled and refunded.
Product: Debt collection

This account was added to my credit report almost seven years ago but I didn't own said account, it belonged to my father who has the same name as me. Reached out multiple times and filed a dispute and to no avail
Product: Mortgage

I called today ( XX/XX/2025 ) regarding the cancellation and where to upload my request in writing. 

The agent stated not only was I not eligible ( since it's an FHA ) I can't ask in writing. 

Based on other things I've read online, no where in the Act does it say that it excludes people with FHA loans. 

Further on their website, there is a place to view the PMI, but when I click on it..it 's empty and I have no idea what I'm paying in the breakdown. 

I feel the CFPB needs to clarify if I actually CAN put in writing a cancellation regardless of the loan type and Lakeview Loan Services need to clearly show my XXXX. Saying I'm not eligible to cancel for XXXX years and not showing the actual premium value in my portal is falsifying truthfully what I owe and for what purposes.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an unauthorized credit inquiry made by your company, which I discovered while reviewing my personal credit report. The inquiry in question was made without my consent or authorization, and I did not authorize anyone employed by your company to access or view my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), you are prohibited from obtaining a credit report unless the consumer has granted permission through an express, signed authorization. Your companys failure to obtain my written consent or valid permission prior to conducting this inquiry constitutes a violation of the FCRA, infringing upon my privacy rights as a consumer.

This is a serious violation of my rights under the FCRA and other related privacy laws, such as the Privacy Act of 1974 and the Electronic Privacy Communications Act ( EPCA ). Unauthorized inquiries represent a breach of the statutory protections afforded to consumers by the federal government.

Given this situation, I am requesting that you provide me with a copy of the signed authorization form that granted you the right to access my credit report. Please send this document to the address listed above within five ( 5 ) business days.

If you can not provide proof of my authorization for the credit report inquiry, I demand that you immediately notify the credit bureaus to remove this unauthorized inquiry from my credit report. Additionally, I request that you remove all of my personal information from your records.

Please respond in writing to confirm that you have complied with my request. Should you fail to provide evidence of authorization or fail to remove the unauthorized inquiry within the requested timeframe, I will pursue all available legal remedies, including seeking statutory damages, punitive damages, and reasonable attorney fees under 15 U.S.C. 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo does not have my updated Fico score and incorrect credit information. XXXX had not updated my credit information.
Product: Debt collection

On XX/XX/2022, A judge ruled a judgment in my favor because Consumer Portfolio Services , Inc failed to produce documents to state their claim that I caused them a loss and owe them money. 

In XXXX, I mailed a letter asking fo them to remove the account from my profile with the credit reporting agencies. They have not replied. I demanding that this account be removed as Consumer Portfolio is not able to produce documents confirming my liability. 

This account being reported has held me back from acting as a consumer, and obtaining employment in addition to emotional distress and anxiety trying to resolve this matter.
Product: Checking or savings account

I have a citi bank account package ( checking and saving ) opened online on XXXX XXXX. I tried to link this account with my existing citi bank online account, or to register an online account to access this account several times, and also tried to call their service number. The representative went over all trouble shootings, but I still didn't have any access to my account online so far. The representatives keep repeating the same methods, and it's a total waste of my time.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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. 


XXXX EXPERIAN 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! 


Delete the late payments from my consumer reports
Product: Credit reporting

Mortgage included in bankruptcy. Been more than 10 years. Bankruptcy has come off, mortgage has not. Is still reporting open with XXXX late. Have tried repeatedly with both XXXX XXXX bank and Equifax to get this off.