23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Re : Request to Suspend Proceedings on XXXX XXXX XXXX XXXX Investigation of Allegations of Mortgage Fraud and Forgery I, XXXX XXXX, the duly appointed Executor of the XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY XXXX, write to formally demand an immediate suspension of any and all proceedings relating to the estate until a thorough investigation into allegations of mortgage fraud, forgery, and related criminal conduct is conducted. 
It has come to my attention that XXXX XXXX XXXX, without the knowledge or consent of my late mother, XXXX XXXX, engaged in fraudulent conduct involving the property in question. Specifically, it is alleged that XXXX XXXX forged my mothers signature on reverse mortgage documents to unlawfully secure financing against the property. Subsequently, following XXXX XXXX passing and while the estate was still in probate, XXXX XXXX executed a fraudulent deed to sell the property without possessing the requisite legal authority or rightful ownership. 
These actions constitute severe violations of federal and state law, including but not limited to : * Mortgage fraud as defined under 18 U.S. Code 1344 ( Bank Fraud ).

* False statements to obtain loans under 18 U.S. Code 1014.

* Fraudulent conveyance of property under probate, which undermines the probate court 's jurisdiction and the decedent 's estate planning. 
Request for Suspension : \nGiven the aforementioned circumstances, I am compelled to request that all proceedings related to the estate be suspended until such time as a comprehensive investigation is conducted. This investigation must ascertain the extent of XXXX XXXX fraudulent actions and their impact on the validity of the reverse mortgage and any subsequent transactions involving the property. 
Legal Basis : \nThe suspension of proceedings is warranted under principles of equity and fairness to preserve the integrity of the probate process and protect the interests of the estate and its beneficiaries. Allowing proceedings to continue under these circumstances would constitute a violation of due process and could result in irreparable harm to the estate and its rightful heirs.

Request for Immediate Action : \nI respectfully urge your office to : XXXX. Suspend any and all foreclosure proceedings or related actions concerning XXXX XXXX XXXX, XXXX, NY XXXX. 
XXXX. Initiate an investigation to determine the validity of the reverse mortgage, the forged deed, and any other related fraudulent activities. 
XXXX. Ensure that no further action is taken with respect to the property until the investigation has been completed and any necessary legal proceedings have been resolved. 
Further Assistance and Documentation : \nI am prepared to provide any necessary documentation, evidence, or testimony to facilitate this investigation. 
I trust that your office will take this request with the urgency it warrants and will act to uphold the principles of justice and due process in this matter. 
Thank you for your prompt attention to this critical issue. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a complaint online to Experian regarding account with XXXX XXXX reason being natural diaster/covid. From my understanding investigation timeframe is 30 days. So imagine my surprise when I logged into my Experian account and saw an alert indicating my dispute reason was modified by an Experian expert and currently being reviewed. This therefore, gives me the impression that this canceled out my dispute and extended the timeframe for the bureaus to investigate. I NEVER SENT ANY ADDITIONAL INFORMATION TO EXPERIAN FOR THIS ACCOUNT. So this is unfair and illegal a pure violation. When I called the first rep hung up on me when I asked her to explain to me what documents I quote on quote sent! The next rep named XXXX was very rude with dogs barking in the background. Informed me the reason my XX/XX/2021 was extended was because of additional documents I sent. I advised her that once again I didnt send any additional documents since the original date of dispute please help me. Below Ive included a screenshot of the notification I received when I first submitted the dispute. And the other email in which they informed me a XXXX on their end decided to play with the system and reset my 30 days please help
Product: Checking or savings account

Back on XX/XX/2018 two fraudulant charges where placed under my XXXX account 1 ) {$330.00} 2 ) {$370.00} For items i never purchased, received or have proof of even ordering. 
XXXX is claiming that because it was done online and have since closed my online accounts ( to prevent further theft ) they have no history of anything and that I must have made the purchases bc there is no way to check. 
My bank HSBC will not refund me the money because XXXX is saying that i have made previous purchases so therefore, i pre-authorized any charges on my account.
Product: Debt collection

Multiple times saying that I was hiding the vehicle 3 days after still calls then the flood of negative reports on credit
Product: Credit card or prepaid card

I have beena member of NFCU for over 5 years now. Building a relationship with your bank must not be a thing anymore. I applied for the XXXX card which promotes ESTABLISHING CREDIT & RE-BUILDING CREDIT. I am in the rebuilding process. Here is my issue, I have build this relationship with NFCU & I fir the qualifications for the secured card and I get denied. On average people use between $ XXXX {$500.00} as their deposit for a secured card I used {$2000.00}. So riddle me this how does be using {$2000.00} of my own money pose any riskto NFCU? And if it did who looses in the end if I default? I do. Marketing these cards to rebuild credit is extremely asinine due to the perplexed and flummoxed advertising of the card. I usually would like a review of my application, but in this situation I am ok. NFCU will never see a dime of my money again.
Product: Debt collection

American Express has taken a {$400.00} check from me, cashed it, and has refused to credit my account. I have spent countless hours, calling and emailing information to get this resolved. 
Current Representatives Involved in this dispute : - XXXX, American Express Global Collections, Supervisor : Part of the main department giving out false and conflicting information. 
I was on a recent call with all the individuals listed above and both XXXX and XXXX are taken back that this has not been resolved. The have held my money hostage for 6 months with crediting the account or refunding my money. 
I have reached out to American Express over 20 times since XX/XX/XXXX and here we are in XXXX of XXXX and American Express denies having the payment and continues to close my open cases. Even though the check sent directly from XXXX XXXX  bill pay ( I have provided proof of payment below ) CLEARLY shows the bank account number on the check. Also that the check was endorsed and cashed by American Express. The same bank account number where I have sent past payments, to which the account has been credited. Furthermore, American Express has been reporting this account incorrectly to the credit bureaus causing damage to my credit because of this misinformation. 
I have also filed a complaint with the XXXX XXXX XXXX. Still I everytime I call and speak with supervius they are asking the same exact questions over and over again ( For example. When was check sent out? ). If a case has been opened that information should have been in there. 
Based on the way this is being handled I am sure I am not the only one that has suffered at the mercy of this department.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I inadvertently scheduled a wire transfer of {$5000.00} to an incorrect PNC account. I immediately requested a recall of the transaction from my bank on the same day. However, it has now been over two weeks, and we have yet to receive a response from PNC regarding the matter.

Could you please provide an update or assist in expediting the resolution of this issue? T
he Investigation ID for your reference is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX 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 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 a 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 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 information is inaccurate.
Product: Mortgage

On XX/XX/XXXX contacted mortgage servicer, Rocket Mortgage LLC, for a request to remove PMI. Rocket Mortgage was not transparent with PMI removal requirements. After attempt to remove PMI as outlined in initial contract as well as servicer site, Rocket was unable to provide rationale for why PMI could not be removed despite reaching a LTV of 77.35 % in XX/XX/XXXX. Additionally, Rocket account indicated that PMI would be automatically removed XX/XX/XXXX at 78 % LTV. This is also not correct after following up with XXXX XXXX  on XX/XX/XXXX for additional information. 

During contact with XXXX XXXX they provided more details on this requirement and was not sure why the servicer was not transparent with this information. The requirement for a loan within 2-5 years is 75 % LTV which Rocket Mortgage did not communicate, did not have indicated on our account or clarify after contact. Instead they requested we receive an appraisal at an additional cost to manage PMI removal. 

This practice and lack of transparency is quite concerning as information on removal of PMI should be clear and not contradictory between the servicer and XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX  XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with Experian. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. 

Upon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. 

I kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. 

Thank you for your attention to this matter.
Product: Student loan

Hi, One more than one occasion, Navient has offered to lower my interest rate ( my rates for my private loans are : 5.9 %, 6.1 %, 9.8 % ). They do this over the phone, asking questions about my salary and bills I pay each month. Each time, I go through the entire process ( at least 5 minutes of questions ) and am denied. I can not afford my monthly payments, I have been on interest only payments for 7 years.

I do not understand the process they choose to lower interest rates. I have never missed a payment and have a perfect credit score. 

Just by knowing they offer lower rates, I do not understand why they wo n't lower mine. I find my interest rates REDICOULSY high and would like to renegotiate. 

Thank you!
Product: Debt collection

I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX directly paid XXXX for my internet service at my resident. I never received any billing statement from XXXX. Everything was handled directly between XXXX and XXXX. 
I moved and ended my employment with XXXX on XX/XX/XXXX. I received a letter from Credit Management dated XX/XX/XXXX to my new address attempting to collect {$120.00} for XXXX. I called XXXX on XX/XX/XXXX to resolve issue and they confirmed the account was XXXX corporate account. I also called Credit Management to dispute my collection account. I finally received a letter from Credit Management dated XX/XX/XXXX that they had reviewed account and resolved it. The letter stated " Our office has reviewed the above-referenced account and we have made the decision to discontinue our collection efforts. Rest assured that no information regarding this account has been reported to the credit bureaus by this agency. '' However, recently, I checked my credit reports on XX/XX/XXXX and noticed this Collection account is on my file. It damaged my credit score and my credit history. I have disputed with all XXXX credit agencies. XXXX   and XXXX  did not resolve my issue. It's very frustrating process. Please assist me to resolve this issue and make sure the collection account is removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute to this agency and their investigation stated that these accounts are accurate. I have provided proof to show an accuracy reporting also under 15 USC 1681 604 A section 2 states no consumer reporting agency shall furnish a account without book assumer written instructions I did not give this consumer reporting agency written instructions I am requesting that you show my written instructions on file to furnish these accounts XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was XXXX and I got into a car wreck and reported it to XXXX and Bridgcrest. Then XXXX and I froze my account so I don't pay on a wrecked car and then i called Bridgecrezt and asked them what i do the gentleman told me to pay off the last month and I should be good for the car will dont by that time. I payed off what he told me to pay and then i got informed that XXXX and bridgcrest weren't communicating and I had missed payments on my bridgcrest account. The lady said there is nothing they can do to help me since they didn't communicate with XXXX to get car totaled and they won't do anything about reporting the late payments. They have a great pay record with me never missed a payment and they won't help fix their mistake that hurt my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries was not authorized by me : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Roughly {$450.00} worth of fraudulent charges were made on my credit card. I notified them immediately thinking their investigation who did criminal was. They never put the full amount back on the card for me to utilize. They failed to tell me the whole process and then spoke to the Supervisor of Fraud Protection he then apologizes. How is that going change my situation? I feel like they are keeping the using my card. There 's a hold on there and I do n't know why.
Product: Other financial service

The cashier named XXXX XXXX, working in the Check 'n Go store located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, took my driver 's license and social security number, and input the numbers into the company computer system before telling me how much they were going to charge me to cash a {$500.00} insurance check. When I asked her why she did not tell me the fee amount before taking my personal identifying numbers she flew off the handle. She shoved the check back at me and tapped the keyboard once or twice and angrily said, " there now you 're info is deleted ''. I took out my phone to video the conversation and she yelled at me that it was illegal to video her and she threatened to call the police reaching for the panic button and picking up the phone. This woman is extremly rude and does not need to be working with the public. My greater concern is that this company now has my personal identifying information.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized ACCOUNT that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNT removed from my file as soon as possible. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX-XXXXXXXXXXXXXX Balance {$1100.00}
Product: Credit reporting or other personal consumer reports

Equifax doesn't list an account that I have at XXXX XXXX XXXX XXXX, a CD that has {$83000.00} in it.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist. I would like to bring the following issues to your attention : Despite my detailed reports and supporting evidence, it appears that the investigation into these fraudulent transactions has not been conducted with the thoroughness and urgency required. There has been a lack of clear and consistent communication throughout this process. I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to remove the fraudulent items from my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX