23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a previous modification with Wells Fargo and was making payments on that modification for several years and remained current. The XXXX, the XXXX loan, was problem. I attempted to reach out to them to negotiate a payment plan. I had difficulty working with XXXX, getting a hold of them specifically, and they were unwilling to consider any type of payment plan outside of the entire note. I was n't even asked for my income for consideration for a modification, although, I could have afforded the loan in reasonable monthly payments. 
I prepared to borrow money to pay the entire note XXXX, and I could only get {$50000.00}. The XXXX representative informed both me and the money lender I had retained that they, XXXX XXXX, had a buyer for the note. At this time, the loan had not gone to foreclosure auction yet. 
I had filed for bankruptcy, but XXXX sold my XXXX loan at auction XX/XX/XXXX. Since I was in bankruptcy, the bankruptcy judge informed my lawyer that my lawyer had to get my property back. A 3rd party who purchased this note is currently being indicted for auction rigging. 
Recently, XXXX XXXX, my father, who is also on the loan, received a call that our Wells Fargo loan was all paid up. We confirmed this with XXXX XXXX 's office that another bank loan paid off the XXXX, effectively removing me from having anything to do with the property. 
I have now lost my home and my equity since Wells Fargo, despite several attempts to contact them, will not explain to me what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collections account that was flagged to my account through XXXX. XXXX claims it has confirmed that the account belongs to me but thats not accurate. XXXX and XXXXXXXX XXXX  has both confirmed that they have verified and removed the collection account. This is a company who claims to have bought my debt from the the original company and has been trying to collect {$670.00} from me and flagged the account to my credit report which has brought down my credit score and affects my credit. Ive tried twice to dispute this with XXXX but it seems like they are property investigating the debt or are going based on what this debt collector company is saying and ignoring that I have already several times confirmed is not mine and other credit reporting agencies has removed and fixed this account.
Product: Money transfer, virtual currency, or money service

I was a victim of a scammer in a dating site. This person pretended to be a Navy Officer is stress to come home without funds. I did my research and found the person to have the same bank account as I did. I found the original scammer phone number, XXXX, and address. I had reported the scammer to my bank asking for help and to find a way to get my money back, but my bank basically laughed at me and told me it was a lesson learned.
Product: Credit card or prepaid card

On XXXX XXXX my card was charged 5 times {$960.00} for " XXXX XXXX XXXX bill Payment '' for a total of {$4800.00}. These charges are outright FRAUD - I never had any business with them either. Coincidentally ( or not.. ) Chase abruptly closed ALL my accounts with them by the time the charges posted to my account ( XXXX XXXX ) and before the statement closing date. When I called Chase card services to report fraud and being transferred from rep to rep, I was advised that since my account is closed they could n't access my account to report these charges, and I need to mail or fax in to correspondence dept. I did exactly that, faxed a brief explanation of the fraud charges including my account and contact info along with a copy of the statement outlining the charges in question. More than 4 weeks passed and no answer or update to my account - the charges are still there and accumulating interest. On XXXX XXXX I called chase to get an update on those fraud charges, after all transfers I ended up speaking with XXXX from XXXX, supposedly a supervisor from senior support specialist - the only ones that can access my account - and her resolution was NO MORE OR LESS, that since my account is closed, AND their department ca n't report fraud AND the fraud department ca n't access my account, It 's tough luck ( on?? ) and the fraud charges are staying on the account!! It sounds crazy but this is reality.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for debt validation from Midland Funding for Debt Validations since xx/xx/xxx to present. I have attached my last 2 communications requesting the same information also from Experian in addition to other proof of claims that have yet to be answered thoroughly. Neither have provided through information and I have certified mail receipts request with failure to follow through and return my receipt required tracking. Midland Funding has not send me the following information I requested : alleged account number,, date this alleged debt became payable, date of original charge or delinquency, was this debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. My request for the agreement between Midland Funding and their client, signed agreement debtor has made with the debt collector or other verifiable proof Debtor has a contractual obligation to pay Debt Collector, any agreement that bears the signature of the Debtor where in agreed to pay Creditor, all statements and so on. ( request attached ). Notice that the consumer had 30 days and my previous request of 10 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day and previous request of 10 day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also violated. I am entitled per 15 USC 1692k Monetary remedies of every violation listed within my complaint. Negative account must be removed and collection must cease per violations. Previous communication via phone with Midland Funding violated section 15 USC 1962 C & D after informing them to stop harassing me, violation 15 USC 1692 f by practicing unfair practice, violation 15 USC 1681 by reporting incorrect information.

In addition to this Midland Fund is what is reporting on my credit report but Midland Credit Management is who is responding with partial request.
Product: Money transfer, virtual currency, or money service

tried to communicate with these companies as i did not contract with anyone. unknown who any of these so-called companies are. after much research i found at minimum : [ Cf. 42 USC 1985 ( 3 ) ] - deprivation of our rights, [ Cf. 18 USC 1961 ] - Racketeering activity, [ Cf. 18 USC 1343 ] - Telecommunications Fraud, [ Cf. 42 USC 1985 ( 2 ) ] - Obstruction of the Justice, [ Cf. 42 USC 1 CH. 21 - 1983 ] - Personal Damages resulting in continual Injury, [ Cf. 42 USC 1983 Note 39 ] - Civil Deprivation of Rights, [ Cf. 42 USC 1983, Note 319, and Note 337 ] - Custom & Policy.

[ Cf. 18 USC 242 ] - Conspiracy, and under the Color of Law, [ Cf. 18 USC 241 ] - Criminal Deprivation of the Rights, [ Cf. 18 USC 872 ] - Collusion/Coercion , [ Cf. 18 USC Ch. 73 1512 ] - Criminal Obstruction of Justice leading to, [ Cf. 28 USC 1359 ] - Loss of the Jurisdiction by their Collusion, all while operating under the [ Cf. 4 USC - Desecration of the flag. ( every reference is relevant, and i am clear of these allegations ) [ Cf. The Public Law 93-579, Section 7 ( a ) ( 1 ) 88 Statutes At Large 1896, 1909 ( XX/XX/XXXX ), codified at 5 USC 552a ] in the Notes, states that : It shall be unlawful for any Federal, States or local government agency to deny to any individual any right, benefit, or privilege by law because of such individuals refusal to disclose his social security account number. ( https : //www.justice.gov/ ). 
and [ Cf. Per the Public Law 75 -583 title 22, subsection 611 in Wex Law, ] as PUBLIC SERVANTS, they were required to produce my request and refused with their silence : Oaths of Office Foreign Agent Statements and their amendments [ Cf. Foreign Agents Registration Act of 1938 ]. 
Anti-Bribery Statement XXXX XXXX XXXX  of State Letter of Tax Exemption Have National I.D . Card Delegation of Authority Order And any other instruments deemed by law. ], and ; Oaths to the United Nations ( UN ) All codes, rules, and regulations, are for government authorities only, non human/Creators in accordance with Gods laws. All codes, rules and regulations are unconstitutional and lacking due process [ Cf. Rodriques v. Ray Donavan ( U.S. Department of Labor ) 769 F. 2d 1344 ( XXXX ). ]
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I XXXX XXXX have and address on my credit report that I never lived at or no nothing about. XXXX XXXX XXXX XXXX XXXX CA XXXX. I do n't know any one in this city or state, I have never been to CA. So I do n't know why this is showing up on my credit report.
Product: Checking or savings account

I just read that Capital One was sued by the CFPB for misleading XXXX Savings account holders over the highest rates they promised, while simultaneously offering a parallel XXXX Performance Savings account at higher rates without offering those same higher rates to existing XXXX Savings account holders. I have had a XXXX Savings account for years and was never offered the option of the higher interest account to my knowledge, and am glad Capital One will now have to answer for their deceptive practices in court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX Union XXXX XXXX, XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number. 
4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I just want to Inform that my social security number is included in the breach it may have gotten to pull out old debts that has been paid or laps the 7 years and renewed it reappears. affecting my reputation and credit credibility
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX/XXXX XXXX # XXXX****. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX was reporting an open date of XX/XX/XXXX however Transunion was reporting an open date of XX/XX/XXXX. XXXX was also reporting 30 days late on XX/XX/XXXX however Transunion was reporting 60 days late for XX/XX/XXXX and much more inconsistent payment history. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX   XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Vehicle loan or lease

XX/XX/XXXX my car was repossessed from my gated driveway. In the middle of the night I heard the tow truck and when I went outside he was trying to tow my car, I firmly objected to the repossession in person. He then proceeded to still take my vehicle out of my gated driveway, he hit another vehicle and the gate as he continued to tow the car. On another instance, the tow driver said that we can do this the easy way or the hard way. This is a direct breach of peace committed on multiple occasions by this company and by the recovery companies that they hired. 

See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After checking my latest credit report, I found multiple accounts that seem incorrect and unauthorized. Kindly take immediate action to block and delete these fraudulent accounts.
Product: Mortgage

Servicer did not pay property taxes for mortgage with escrow. Received a notice for {$5100.00} due including XXXX in penalties. 

Since I already funded the escrow, I do not also have an additional XXXX dollars to pay this a second time. 

It was not my mistake, they should pay the fee too.
Product: Credit reporting or other personal consumer reports

As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts listed below XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove the following unauthorized inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I closed my XXXX secured credit building card years ago and have disputed the fact that Equifax is still showing that there is a balance and the account is still open. I've disputed it several times and it's affecting my credit. I have screenshots. XXXX XXXX  upon being questioned by me if they were contacted and stated that they were in fact contacted and informed the credit reporting agency thar the account was closed and with a {$0.00} balance, because it was a secured card you don't carry a balance. please inform them that my next action will be a lawsuit.
Product: Debt collection

Since XX/XX/XXXX Rash Curtis and Associates ( RCA ) has attempted to collect a large medical debt stemming from an ambulance ride with XXXX XXXX XXXX Department ( XXXX XXXX I took in XX/XX/XXXX. They failed to notify my insurance company whose information they were provided with in XX/XX/XXXX and again in XX/XX/XXXX. 

During the date of service I was insured for an ambulance ride by XXXX XXXX XXXX. Neither XXXX or RCA contacted my insurance after they created the bill. RCA contacted me in XXXX telling me I owed almost {$3000.00} and threatened me saying my credit score would be affected. Despite me telling them to contact my insurance. 

Even after they had the number of my representative and my insurance information they continued to make threatening phone calls attempting to get money from both myself and my insurance. 

After long negotiations in XX/XX/XXXX with my insurance representative, XXXX XXXX XXXX paid the original amount owed to XXXX. 

Rash Curtis and associates is now claiming that I owe interest. Interest on medical debt that they failed to acquire from my insurance company XXXX in XXXX. 

I believe this is a fraudulent attempt to collect more money than they are owed. By neglecting to inform my insurance in XXXX they allowed the interest to climb to {$980.00}. They are now attempting to collect this money from me personally. 

The only reason this debt exists is negligence on the part of RCA.
Product: Student loan

In XXXX, I took out a Federal Parent Plus loan. In XXXX, it was switched to a private loan. I was never notified. In fact, I have never been contacted by mail, email or phone of any changes at all On XX/XX/XXXX, I was incorrectly advised of a deferment date. I have been given different answers each time I call Nelnet. I was told I believe in XXXX, XXXX that I was ahead on my payments because I had payed interest each month of XXXX $ during the first year of the pandemic. Thus I was in deferment till XXXX. On XXXX XXXX, i called to report difficulty with changing my password and was told a payment was due in XXXX ( which was o totally different amount than my original payment. The woman I to then asked many questions and put my loan in deferment until XX/XX/XXXX. She told me this and I documented it for my records. Today I was told by the Nelnet agent that nothing to that affect had been documented on XX/XX/XXXX and her note was that I had refused to pay. I had already been told I was in overpayment until XX/XX/XXXX. 
I was sent the application for XXXX on XXXX/XXXX and she instructed me how to fill outback. I was told today when I called that it was incorrectly filled out XXXX I need to submit a second application which I am doing today. I am a senior citizen on a fixed income who has never missed a scheduled payment and even paid halfway through the pandemic. I have been given misinformation, lied to and dont know where to turn. The original Loan was taken out through XXXX. Account number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the improper use of my credit information. I discovered that XX/XX/year> inaccurate and misleading information. 

Section 1681n of the Fair Credit Reporting Act prohibits willful noncompliance with the Act. I believe XXXX, TransUnion and XXXX has knowingly and willfully violated my rights.
Product: Mortgage

This is the 3rd complaint I have filed against SPS, and unfortunately communicating through CFPB is the only way I get anything resembling a reasonable response to this company. I missed a call from them on Monday XX/XX/XXXX and called back. Upon calling back, I spoke to someone who either did not know how to deal with my issues or did not care and asked for a supervisor. I waited on hold for about XXXX minutes, and when I reached someone, they pretended they said they could not hear me, and the call was dropped. No one called me back, until XX/XX/XXXX at XXXX. The call I received at that time was an exceptionally rude women saying I was past due, and did not listen nor care when I explained the issues this company has. This all stems from my first payment which was made in accordance to the instructions I received and was sent to XXXX. SPS was apparently able to contact Crosscountry so they know that Crosscountry received that payment, therefore SPS knows the late fees are fraudulent, and they know that I paid my mortgage in a timely manner, yet they refuse to update their records and get the payment from Crosscountry.
Product: Credit reporting or other personal consumer reports

transunion is violating my consumer rights, i am a victim of identity theft and someone has been using my identity to obtain goods and services using my personal information.i have sent transunion mulitpile times supporting documents to support my claim on XXXX XXXXXXXX XXXX account that does not belong to me! ... .please remove this fraudulent account from my transunion credit report
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/2023 my phone was stolen out of my car while I was inside XXXX. The person got into my Cash App account, changed my security pin via the " lost pin '' feature in the app, and made two Unauthorized Transactions ( XXXX for {$500.00} and XXXX for {$710.00} ). *They also added their card ending in XXXX and attempted a XXXX XXXX ' in the amount of {$300.00}, but it failed ). 
I reported the theft/identity theft to the Aurora Police Department XXXX XXXX & T, Cash App via the ap because XXXX are closed on weekends, ( and again by phone when they opened on Monday XX/XX/XXXX ), and the Federal Trade Commission XXXX 
I reported to Cash Ap that Unauthorized Transactions were made on my account, submitted copies of the police report, screenshots of the fraudulent transactions, the Federal Trade Commission report, and my XXXX XXXX XXXX phone receipt. 
A legitimate banking facility or credit card company would be able to Detect and Flag this as 'Suspicious Activity ''. Cash App refuses to Properly investigate my case, as well as refuses to reimburse the money that was stolen from me. They denied my claim and accused me of " authorizing someone to use my credentials '' even though I have submitted evidence that I Did Not give anyone my pin information, nor give anyone my debit card. I DID NOT Authorize these transactions!