23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a mortgage with BB & T on a property in Virginia. In planning the estate we wanted to transfer the deed to the property to our daughter while retaining life estate. In our initial phone calls to the bank, the local branch manager stated that changes to the deed would not affect their current mortgage. After speaking with our attorney, we asked BB & T what language would need to be in the transfer deed to acknowledge the existing deed of trust. After this meeting BB & T stated they would not accept a life estate deed as this would trigger the due on sale clause. BB & T stated that their policy was only deed transfers to Revocable Living Trusts or straight deed transfers were allowable under the Garn St Germain Act of 1982. After reading this act, the law states " a lender may not exercise its option pursuant to a due-on-sale clause upon ... ... a transfer to a relative resulting from the death of a borrower ( or ) .... a transfer where the spouse or children of the borrower become an owner of the property ''. It is our opinion that if this is in fact BB & T 's policy that life estate deeds trigger the due on sale clause, then this does not comply with the intent of the law.
Product: Debt collection

In XXXX I switched phone carriers from XXXX XXXX XXXX XXXX XXXX XXXX I retained my original cell number. In order to keep my number when switching, I contacted XXXX and closed out my account with a representative to ensure I completed all steps. I paid my final months bill of {$75.00} and the representative confirmed that was it. Several months later XXXX started calling saying I owed them that money and when I challenged it they put a collection on my credit. I disputed the collection and it was removed in XXXX. Now almost three years later I am again receiving harassing calls and emails from a collector claiming to be collecting that same {$75.00}.
Product: Debt collection

XXXX XXXX XXXX is the attorney representing XXXX XXXX, who has sued XXXX XXXX.over debt collection.The suit was filed XX/XX/XXXX.XXXX was not aware that the suit has escalated to the point of a bank levy, which was withdrawn from XXXX 's bank account out in XXXX 2015 without prior notification.the levy included the amount owed, interest, attorney & court fee, the total amount being sued is almost double the amount owed. Since the withdrawal of the levy in XXXX 2015, XXXX has attempting to contact XXXX with the assistance of my daughter, XXXX XXXX, in the hopes of resolving the case. XXXX ca n't reached directly through the number provided.Representative of his firm answers the phone and the representative explicitly states that they ca n't provide a number to which he can directly be reached.They ca n't put in such request giving the reason that XXXX are very busy or out the office.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft resulting from a data breach, and my personal information has been compromised. As a result, several fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following accounts and inquiries from my credit file.

Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/scrub>XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

CFPB case # XXXX response from consumer complaint dated XX/XX/year> The CFPB email response dated XX/XX/year>, is completely unacceptable. It has prompted me to continue to file federal complaints with your agency but not limited to the State Attorney General 's Office for enforcement. CFPB has failed miserably in its effort to adequately in its due diligence to protect the consumer from fraudulent practices of the companies that are reporting to the CRAs errors and failing to provide Request for Validation of Debt to the consumer, an FCRA violation that I will pursue legally in federal court against the creditor reporting the error, the CRAs who continuously side with furnished of credit but not limited to suing the CFPB for the failure in enforcing compliance. I intend to hire an FCRA Attorney to file ALL complaints against ALL parties involved in the investigation including the CFPB which has sided with criminal companies that hurt consumers ' credit history, and credit scores ; jeopardized employment, and future opportunities for applying for new credit. A police report will be filed against ALL said parties seeking punitive and actual damages for blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Once those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. The fraud accounts in question are listed below. XXXX, XXXX and XXXXXXXX XXXX
Product: Debt collection

This third party with help of the three credit agencies have not been compliant with the The Fair Credit Reporting Act ( FCRA ) to provide the documentation for this debt by providing the information requested by the consumer. Every time I ask the agencies or the CFPB to investigate on my behalf they request the agencies to report the collection as closed or they decrease or increase the debt to make it look as though the debt is actually open and active committing fraud to damage my credit life. This third party cant provided the proof they are legally allowed to collect a debt in my state, because after the letter of validation was received they tried a scare tactic of a lawsuit through a lawyer out my state of Virginia but could contact me because they practice law in my state this after I asked them not to contact me in anyway until they have complied to the letter of validation as the law protects my rights from these tactics.
Product: Bank account or service

On Friday afternoon, XXXX XXXX, I was contacted at my home by telephone by a representative from Chase Bank ( call # XXXX ) indicating that there appeared to be fraudulent activity connected to my accounts, and asking me to add a password and security questions to my credit card accounts. About an hour later, I was called once again at home by telephone by a respresentative from Chase Bank ( call # XXXX ) asking me if I was physically present at a branch - I indicated I was not, and told the representative about call # XXXX, and suggested to her that they should detain the individual in the branch, as that was likely the fraudster. About a half hour later, I was called yet again at home by telephone by a representative from Chase Bank ( call # XXXX ), indicating that they believe there was fraudulent activity on my checking account, and that there were withdrawals for cashiers checks. I responded that these were clearly fraudulent activity. The Chase representative told me that I should come to a branch, and close the accounts, and re-open new accounts, which I immediately did ( we arrived at the branch at approximately XXXX ). Online activity indicates there were XXXX withdrawals to fund cashiers checks, XXXX for {$1800.00}, and XXXX for {$3500.00} ( copies of these withdrawals attached ). Had Chase checked the signature card on file, they could have clearly seen that the signatures on these withdrawals slips are not mine. 
I understand this claim is noted with the Chase internal claim # of XXXX. 
Chase is telling me it may take 30-45 days to return my money, even though I have sent them an claim along with the notarized police report.
Product: Credit card or prepaid card

I was in the hospital I had Fraud on my account I had both cards in my possession and I noticed there was 3 charges and 1 payment that I did not do I called capital one they said no problem we will reverse the charges and make a note of they payment wasnt you and it will not effect my account because I already paid over my min payment early and then I noticed my card account was closed before I can activate my new card and the rep said it was for my own protection and guess what I cant open a new card anywhere because of the XXXX that is not my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. Thank you
Product: Credit card or prepaid card

Contacted Citibank on XX/XX/2020 to find out how long they have been charging me for Payment Safeguard. I asked how I was enrolled - they werent sure. I asked them to provide the authorization from me to enroll me in Payment Safeguard - they didnt have the information. I instructed them to cancel the service immediately and refund the fees they have charged me. They stated I would have to prove I didnt enroll in the program which is the equivalent of proving a negative. They stated they cancelled it but will not send me confirmation of the cancellation.
Product: Credit reporting or other personal consumer reports

XXXX is allowing XXXX to report false payment history on my credit report. UPSTART IS ENGAGING IN PREDATORY LENDING PRACTICES IN DIRECT VIOLATION WITH FDCPA. I HAVE PAYMENT RECEIPTs FOR XXXX AND XX/XX/year> PAYMENT. XXXX has received double payments ahead of due date in XXXX for XXXX and in XXXX for XXXX and XXXX.
Product: Debt collection

NCC business services is reporting I owe {$1000.00}. This was joint debt for an apartment. I filed suit and won in small claims court against my roommate, XXXX XXXX XXXX. He is fully responsible for this debt. I have provided all documentation to NCC business services. They refuse to accept it. I have asked for debt validation and they have not produced any documentation. I do not owe this debt any longer and I want it removed from all 3 bureaus.
Product: Credit card

I had charged an item on my Macy 's card to get a discount. I then paid off the bill right away. A few months later I returned it never used, with the receipt. I then requested that when the credit posted to issue me a refund check. About XXXX months after I received the refund check I started getting calls from Macy 's telling me that they gave me too much money back on my refund, and that I owe them. It took so long for them to get my money back to me that I had no idea what I was owed back. I have spoken with Macy 's over XXXX times and can not get any resolution. I have most recently spoken with credit card supervisor XXXX XXXX at XXXX. She told me about a month ago that she would put research into it, and return my call. I have contacted her back and left voicemails and have not heard back from her since.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX XXXX ( Total Auto Finance ) a 2018 XXXX XXXX. The advertised price was XXXX dollars and the vehicle had XXXX miles. The price was up charged from XXXX as advertised to XXXX. Then XXXX XXXX was added for XXXX dollars, XXXX was added for XXXX for another upcharge of XXXX. The cash sale price was then XXXX dollars. 60 days into the contract they cancelled the listed services so I asked for a new contract to show the loss of XXXX XXXX and XXXX  they said they would update the loan. They sold the loan to another company and havent reflected my payments nor the upgraded contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander bank is reporting four hard inquiries on my XXXX  credit report. I did not apply for credit with Santander. I have called them to dispute this but they have not responded.
Product: Credit card

I was a Victim of a XXXX XXXX XXXX XXXX, back in XX/XX/XXXX. I had to live out of a hotel for months almost the entire year of XXXX. XXXX the creditor was and is fully aware of this situation, they put me on the XXXX XXXX which deferred my payments, since I was paying everything out of pocket to rebuild my home and continue living out of a hotel. XXXX did not cover any expenses. Again, XXXX fully aware. I advised XXXX I had filed Bankruptcy since the debt has become so far out of of my limit, but they still hired this law firm, which I notified as well that I have a bankruptcy attorney they need to contact, I email several times and called the office. This was the second email sent to this address " XXXX '' after sitting on hold with the law firm. Also previously sent to electronic email straight to attorney. This law firm has gone to my house I don't know how many times, I have not been home, but this time a processor showed up and I tried to speak through the ring, but they were unable to hear me. I advised the law firm again on email to send all correspondence and their processor to my attorney XXXX XXXX at XXXX and his assistant will gladly help them. They should not be trying to serve me during this process. Please advise on what to do if they attempt again.
Product: Mortgage

My mortgage payment was constantly changing every year it would increase. Wells Fargo would say I needed additional escrow even when I had changed insurance companies lowering my homeowners insurance rate. I contacted Wells Fargo several times but could never reach resolution so I gave up. I had mortgage from XXXX XXXX XXXX before selling and in that time making over payments each month I barely paid down the principal. I seen that Wells Fargo recently was caught doing illegal practices with auto and mortgage loans and haven't been contacted. I want to know if I'm owed any money from the settlement.
Product: Checking or savings account

This bank is so rude to me from customer care to this office of the president they sent me a letter nkt addresing my concerns everyone I call this number with extension his name is XXXX and he never answers or returns my voicemails so unprofessional people they dont care they have changed all my Accountss nkt fair without my knowledge in XXXX they changed my retail accounts to online only and they dont seem to understand I dont like this changes they made on my account because now I cant do international wires at a branch anymore to send my family money why do they get away with this
Product: Credit reporting or other personal consumer reports

Someone has access to my personal information and has tried to open several loans in my name! Majority of the inquiries are shown to have taken place of XXXX. I have listed all inquiries on my identity theft report. I have not tried to purchase any vehicle anywhere nor do I need one at the moment. I am needing the inquiries removed as they do not belong to me and have affected my credit score tremendously. I have filed an identity theft report as advised to do so and I will be adding a security freeze on my file.
Product: Credit card or prepaid card

On XX/XX/2023, I was offered a trial product from XXXX XXXX and was told to pay for shipping which amounted to {$5.00}. I contacted the company XXXX days later via phone and informed them that I will not be subscribing to their product. On XX/XX/2023, I noticed that there was a pending transition for the amount of {$75.00}. I contacted Paypal credit when the transaction was posted and still, they haven't rectified this issue.
Product: Mortgage

PNC, my HELOC lender has fraud me of undue interest caused by thier mismanagement of principle payments to my HELOC. 

I Made very clear, specific principle payments on XX/XX/XXXX and XX/XX/XXXX for XXXX and XXXX during tax year XXXX. In had multiple conversations with PNC to ensure the payments posted correctly and even a follow up call to ensure the autopayments continued on shedule. The auto withdraw payment posted on XXXX XX/XX/XXXX on shedule. I made another principle payment on XX/XX/XXXX for XXXX when I found out they had stopped making the auto withdrawal payments after XXXX XX/XX/XXXX. 

The account information says clearly '' principle payment '' versus the normal automatic monthly withdrawal " payment '' of principle and interest. {$380.00} I Recieved the ending of year HELOC tax statement for XXXXand realized something was wrong. 

PNC mis applied the principle payments as payment advances and stopped drawing the auto payment. 

This cost me considerable interest from XX/XX/XXXX when they made the error. 

I requested reconciliation of the account and compensation of the interest paid. 

It was escalated to their service department and they notified me verbialy today, XXXX XX/XX/XXXX thier system can not correct the error and they refuse to do anything to correct the error. I need the load recalculated with the correction in the payments applied as they should have been to determine the credit in interest paid. They refuse and would not put in writing their decision or acknowledge their fault, even though the account statements are worded correct. The posted actions are not. One autopayment was made after the principle payment, then they stopped.
Product: Student loan

I have submitted all required documentation for public service loan forgiveness ( PSLF ) as of XXXX. Mohela received my loans from XXXX before I was able to receive forgiveness. They required a re-submission of paperwork which I sent on XX/XX/XXXX. I was told it would take up to 90 business days to process. 

It was processed yesterday and they are saying the form is a " duplicate '' and needs to be re-processed, taking another 60-90 business days. They admit over the phone this was their error but that " there is nothing they can do. '' Looking through the XXXX forum on XXXX, there are dozens of customers who have had this " duplicate '' error and all are being told it will take another 90 business days. This will cause many people to have to start paying on their loans again even though they should have already been forgiven. 

I have tried to call several times and am put on hold to transfer to a supervisor, only to be disconnected. They say they will call back but never do. I am reaching out to you because I believe this delay is intentional to keep these loans on their books as long as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year ( 2017 ) my identity was stolen and the cause was unknown. In light of the recent news with Equifax and the breach of over 143 million SSN 's, according to the Equifax verification website, my SSN and my wife 's is impacted by the breach. 

I have had several un-authorized accounts opened in my name and have spent countless hours correcting these un-authorized activities. Presently, I am disputing an account with a collections agency that is currently pending. My credit has been frozen with Equifax and XXXX XXXX, but I have been unable to successfully freeze my credit with XXXX at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently checked my credit report and noticed errors on my report due to false credit reporting. This has sent me into XXXX and I've been deprived of many opportunities because of this. I did not consent to any inquiries and the inquiry is not authorized. Under 15 U.S.C code 1681 i ( 5 ) this account is in violation of not reporting a 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported to the credit bureaus that I missed a payment on my auto loan. My credit score went down. I contacted Bank of America and they confirmed that I did not have any missed payments. I asked them to dispute the credit report and they took 30 days to respond back and say that the investigation is completed and we reviewed your payment history and agree you have not missed any payments. But they failed to resolve the credit reporting issue. I fought to try to get Bank of America to resolve this. I put in disputes with all three credit reports and Bank of America refused to resolve the credit reporting. I sent a demand letter. Finally Bank of America responded but my credit score is still effected by this XXXX up. Bank of America still has not fixed this issue and they have violated the fair credit reporting act. I demand resolution.
Product: Money transfer, virtual currency, or money service

Gemini XXXX has locked US dollars in my account. It has been locked for weeks now where if I try to transfer money it states pending verification. I have verified my identification multiple time with no resolution.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

I dont recall this debt. I dont have a contract with this debt collector and them having any alleged medical information is a clear HIPPA violation