23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

https : //www.justice.gov/opa/pr/credit-suisse-agrees-pay-528-billion-connection-its-sale-residential-mortgage-backed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While SPS ( XXXX XXXX ) allowed me to modify my loan and defer in XX/XX/XXXX or XX/XX/2018 until the end of my note, they decided to later say I owed for escrow shortages to raise my rates to collect more money and completely negate the supposed method of deferment assistance. They may have said they are assisting the homeowner in order to receive credit for this lawsuit settlement, they have not been monitored since. They initially do the modifications or reliefs but later tack on additional fees and claim escrow shortages to put me and many other homeowners right back in the same position. I will also be filing and reporting fraud with the department of justice. They have decided to refer my loan to an attorney for foreclosure.  They say my loan is owned by XXXX XXXX XXXX XXXX, however the pool that my mortgage was sold in ( and a fraudulent mortgage assignment recorded in XXXX County One signature on my assignment, XXXX XXXX is listed only as manager but she has a different title and has notarized other homeowners assignments ) was recently referenced in a lawsuit by XXXX XXXX XXXX XXXX and was to be bought back by XXXX ( XXXX XXXX ) or XXXX/XXXX  due to XXXX/XXXX  XXXX lies and misrepresentation of mortgages in that pool. Its yet again proof that this company will spare no expense, even violate federal consumer protection laws to get what they want, a single mothers home where she has raised her children. They will pad their pockets and increase their gains anyway necessary even to the point of misleading homeowners and the federal government of their attempts to assist. 

It is a shame that this bank and company ( SPS who is owned by XXXX XXXX ) is allowed to mislead homeowners and put them in a bind to only take their homes after leaving them with so much debt that they couldnt refinance, sale, or achieve ultimate homeownership if they wanted to. They are a scam and lie and manipulate. I thought I had relief from them when I received a letter from another company but SPS continues to harass me
Product: Money transfer, virtual currency, or money service

I attempted to purchase a car from XXXX from fraudulent " XXXX XXXX '' telephone number XXXX. This was conducted through Chase Bank from my XXXX XXXX checking account through " XXXX '' money transfer on XX/XX/year> for {$1500.00}. XXXX XXXX was acting as a cover under one of my relatives with no actual car to sell. I did notice that XXXX XXXX continued to operate this fraudulent deception on XXXX long after we reported this fraudulent zeli payment. Chase Bank stated that because it was a XXXX  transaction, they could not reimburse me. Apparently " XXXX XXXX '' had been operating this for quite some time with no one trying to stop this fraudulent behavior. I felt that Chase Bank should have already investigated this and closed down any fraudulent Behavior to which I was a victim of.
Product: Checking or savings account

In approximately mid XXXX of 2023 I contacted US BANK as their free online service for sending checks and payments online failed to work for me several times during XXXX of 2023. 

I spoke with XXXX XXXX of their XXXX XXXX XXXX. XXXX suggested that I talk with his Wealth Managers. These Wealth Managers ( XXXX XXXX and others ) set me up with a system they have called XXXX which for a charge of {$48.00} per month purportedly would allow me to send checks via an ACH system directly from my account to their account. 

This XXXX system however never worked and no one at US Bank was able to get it to work. In fact US Bank insisted that I call their XXXX number which I did numerous times. I in fact hired my Accountant to be on a call with me which took over an hour and the XXXX attendant call center even with a CPA was not able to make this system work for us. There was a repeated problem stemming from some computer software US Bank issue. It was at this point that I told XXXX and XXXX to just cancel this XXXX XXXX. 

Unfortunately US Bank did not cancel this failed service and unbeknownst to me continued to charge me {$48.00} per month. I. About XXXX I called XXXX XXXX yet again and asked for a refund of these false charges and reminded him to cancel this service. I recently as of XXXX received a notice that US Bank had apparently continued to charge this {$48.00} after telling XXXX XXXX at least twic to cancel this service. US Bank in their letter demands that I pay all previous balances and Bring my account to a positive balance or they will withhold my financial records from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the grace of god ; I Man deny this account. Who is the man verifying that i opened this account? I acknowledge that this debt was established without my knowledge and i have no contractual agreement with this company. Police report and FTC report enclosed.
Product: Bank account or service

XXXX/PPC PayPal ran an unauthorized hard credit check in XXXX 2015. It was listed on my credit report. I never gave consent or inquired about a credit line/credit card with PayPal. This is now on my credit report for 2 years and affects credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 91681 Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fr
aud
Product: Debt collection

I added my name with my son when he opened a XXXX account when he began living on his own in XX/XX/XXXX. 

He moved to a different location in XX/XX/XXXX and my name was removed from the account, per a XXXX XXXX representative, because he had now established a payment history with XXXX. 

My son got married and moved XX/XX/XXXX, however he states that his bill was current and turned in all equipment when he switched to a different carrier XX/XX/XXXX. 

In XXXX XX/XX/XXXX I get a letter stating my name was on this account. As i stated prior, this is not true, my name was removed from the account per XXXX when he moved his service to a different address in XX/XX/XXXX. 

In 7 years while my son continued service with XXXX, I never received a bill, a phone call for late payment or anything in this matter but when he cancels service, now i get a letter from a collection agency. Now this negative reporting in on my account that i have nothing to do with. 

I have called to talk with XXXX XXXX or should I say their collection agency ( I never had any contact directly from XXXX only the collection agency ) And I have remained and the same address and phone number for 31 years. 
We are unable to come upon a resolution. They state there was boxes not turned in?? I find this very troubling and almost fraudulent. 
Any help with be greatly appreciated. 
Thank you
Product: Credit card

On XX/XX/2024, I was in the process of buying a plane ticket on XXXX. The first option in the payment section was to apply for a Chase bank Southwest credit card and {$200.00} in free credit would be applied to my plane ticket cost that day. I clicked on the link and completed the application and was approved. But when I clicked on a link that said return to Southwest, the {$200.00} credit wasn't applied and I couldn't select to use the Chase/Southwest credit card. I called Southwest and they said I needed to talk to Chase about it. I called Chase and they said it was Southwest 's problem and even though I have been approved, I can't use the credit card until it comes in the mail. I still have not received the credit card in the mail but when I log on to chase.com, I now see that I have been charged {$69.00} on the new credit card for " Annual Membership Fee '', a fee that was not mentioned anywhere in the application process. This seems like a big scam to me.
Product: Credit card or prepaid card

My husband and I have had our Best Buy card for 10 + years and during those 10 + years they have lowered our credit limit to equal the balance we had on the credit card, which made us maxed out on that card. Our scores took a big hit because of that. They have lowered our limit several times over the years for " lack of use, '' and have threatened to close the card if we don't use it within a certain amount of time. 

They offer no incentives to encourage spending. And right now our limit is so low we couldn't buy half the stuff in the store even if we wanted to. They have not lowered our extremely high interest rate ( not even by measly 1 % ), even though we have excellent credit scores and a perfect credit history  with them. They have not raised our credit limit back up even when we were making a conscience effort to use it on a regular basis, just so they wouldn't close it. 

No promotional offers whatsoever. The only thing that they have offered are XXXX dollar off next purchase, because of what we spent on our previous purchase. I know they are not the only store card company that stoop these tactics and it is very sad. The only reason I keep them is, it will hurt our credit if they close the account, because we loose that credit history. 

I'm to the point that I just might let them close it so I can be done with them once and for all. Yes, our credit will take a hit, but it won't take long for us to bounce back. They will definitely need us before we need them ever again. In fact, I will never apply for another store card period. They are the worst and they do more harm to your credit than good.
Product: Debt collection

Disputes were sent to All 3 Credit Bureaus, XXXX, XXXX, XXXX Via Online Disputes & Physical Letters Several times & without result or explanation & Mostly the Removal of an Illegal sale of debt. The Purchaser is now the Legal Owner of the Debt, Therefore I OWE NOTHING & Demand the Action of Removal on All three Credit Bureaus Immediately, Or I will take very Public & legal action. 

According to the Fair Debt Collection Practices Act ( FDCPA ), Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692, et seq.

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681, et seq.

Consumer Financial Protection Act ( CFPA ) - 12 U.S. Code 5481, et seq.

State consumer protection statutes creditors are mandated to adhere to strict guidelines when transferring or selling debt accounts to collection agencies. These guidelines are put in place to protect consumers like myself from unfair and deceptive practices. However, it appears that these regulations may have been violated in my case. 

I must insist on immediate clarification regarding the status of my debt account and the parties involved in its management. Furthermore, I request detailed documentation and evidence demonstrating the lawful transfer of my debt, including any agreements or contracts signed by myself consenting to such actions. 

1 ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number : ( XXXX ) XXXX 2 ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : ( XXXX ) XXXX 3 ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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  Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX XXXX ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. 

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Product: Payday loan, title loan, personal loan, or advance loan

I repaid my loan while under promotional period of XXXX XXXX however due to either poor accounting tracking system or pure incompetence I overpaid to avoid dealing with unpaid accrued interest, but when I submitted a request for a review of the total payment paid, I was denied without providing any detailed information on why. 
My starting balance was {$1200.00} with promotional XXXX XXXX until XX/XX/XXXX. I was late 1 DAY on one of the payments so I paid {$29.00} late fee in XX/XX/XXXX along with my payment. So here is the breakdown of my payments. 
XXXX XXXX + {$29.00} late fee : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX + late fee ( {$88.00} ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late fee XXXX = XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX payment {$84.00} on XX/XX/XXXX Total {$530.00} + {$29.00} late fee + XXXX + {$84.00} = {$1200.00} + late fee It really doesn't take a rocket scientist to figure it out, but when it comes down to TD Bank it probably will.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I received an alert for a new collection from XXXX XXXX XXXX stating that I owe XXXX from the XXXX. I have written all 3 credit bureaus disputing this item requesting proof of debt. I did not receive a validation letter nor does the address matches any of my addresses on file with the bureaus. My contact with them states this is for an apartment. I am a homeowner and have not rented in years. I am requesting that this account be removed from all 3 bureaus immediately and a copy of all contracts etc. so I can file a police report, at this time I have an inaccuracy on my credit reports and I'm not getting and resolutions.
Product: Debt collection

I have called both XXXX XXXX XXXX and Hunter Warfield multiple times in the last XXXX months. Hunter Warfield said on the phone that I could email my police report for identity theft to them, and then they would file this debt as fraud. I emailed them the XXXX, Georgia police report number and police department online records address on XX/XX/XXXX. They never replied back. I recently received a letter they called " verification of the debt ''. In the letter my social security number, name, and birthdate were stolen and used on the account, but ALL the other information the thief used is not related to me, including the thief 's ID ( from New Jersey, mine is not ). There is even a signature that is just a line ( no letters ), and obviously not mine. I have a distinct signature. Hunter Warfield threatened today, on the phone, that they would try to put it back on my credit report ( which I already had it removed from once ) even though they are aware this is identity theft. The debt is for {$330.00} an application fee for the apartments at XXXX XXXX XXXX. XXXX XXXX XXXX did not rent the apartment to the thief because they could not prove their identity to them ( social security card ).
Product: Prepaid card

Sometime between XX/XX/XXXX and XX/XX/XXXX, {$720.00} was fraudulently withdrawn from my Bank of America EDD account at an ATM in XXXXXXXX XXXX. I promptly reported the unauthorized transaction to Bank of America and requested an investigation, including ATM camera footage to verify the withdrawal. 

On XX/XX/XXXX, Bank of America closed my claim, stating that they believed the account had been subject to fraud or suspicious activity. The letter informed me that any temporary credit applied to my account would be debited. However, I did not receive any temporary credit or reimbursement of fees at all since my account was frozen right away after I reported the fraudulent incident to the bank. So my account was frozen without any explanation, and I was left without access to my unemployment benefits for nearly a year. 

This freeze caused severe financial hardship, leading to the following impacts : 1. Eviction Notice : On XX/XX/XXXX, I received a three-day eviction notice due to non-payment of rent, directly resulting from my inability to access my funds. 
2. Car Repossession : My car was repossessed because I could not make the payments on time. This repossession is documented on my credit report. 

Despite my repeated requests for assistance and detailed explanations of the severe consequences of the account freeze, Bank of America only compensated me with a {$250.00} check, which is inadequate given the financial and emotional distress I have experienced. 

I seek a compensatory refund of at least {$720.00} for the unauthorized withdrawal, which the bank never reimbursed me for. Additionally, I seek compensation for the financial hardship caused by the account freeze and the significant impact on my life, including the eviction notice and car repossession. I no longer have an account with Bank of America. They closed my account without explanation.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to file a complaint regarding a case of identity theft that I have recently discovered. I believe that my personal information has been compromised and used fraudulently to open accounts without my knowledge or consent. I am seeking your assistance in resolving this matter and protecting my rights as a victim of identity theft. I have contacted all three major credit reporting agencies, including XXXX, XXXX, and Experian, to place fraud alerts on my credit reports and request a copy of my credit report to review for any further fraudulent accounts or activities. 3. Notified Financial Institutions : I have reached out to my bank, credit card companies, and any other relevant financial institutions to inform them of the identity theft and request that they freeze or close any accounts associated with it. 4. Contacted the Federal Trade Commission ( FTC ) : I have filed an identity theft report with the FTC and obtained an Identity Theft Affidavit. Supporting Documentation : To support my claim of identity theft, I have enclosed the following documents. Identity Theft Affidavit from the FTC Request for Assistance : I kindly request that the Consumer Financial Protection Bureau investigates this case of identity theft and assists me in resolving the matter. I seek your guidance in ensuring that all fraudulent accounts are closed, any unauthorized charges are removed, and my credit report is restored to its accurate and rightful state. I understand that the Consumer Financial Protection Bureau has the authority to intervene and take appropriate actions to protect consumers in cases of identity theft. I kindly request your utmost attention and prompt action in resolving this matter and providing me with the necessary support and guidance. Thank you for your time and consideration. I eagerly await your response and resolution of this matter. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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