23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since XXXX of XXXX, after hardships related to COVID and abandonment, ( now 3 years ) of my spouse, I started to experience financial hardships and struggled to keep up with my mortgage. From the beginning of this hardship period, I've been mislead, jerked around, been given little to no help, offers to rectify and aide my situation. I've never been clear on anything talking to under qualified and limited information customer service rep. 's at SPS. I was not offered any programs or given any information about services I could potentially qualify for. I made it clear I did not understand where I was at and fees or penalties accruing on my mortgage. I felt at that point I was severely jerked around and taken advantage of as my home has a good deal of equity I feel it became predatory at that point and their object was to make it difficult for me to gain rights to my home forcing me out. I asked about a forbearance, and from XX/XX/XXXX until XX/XX/XXXX I was unclear and did not even know if I was in forbearance until my daughter in law called and spoke for me trying to clear up confusion and at that point we then found out they had placed forbearance in place XXXX XXXX. My daughter in law had just weeks before gone on the SPS website submitting a letter to request help and requesting a loan modification further explaining my situation. I did not hear from SPS, no one let me know any consideration of anything was being made. No one offered me options, no one discussed anything with me further to see what would benefit me or what I could afford or anything. Instead I am told I have 3 months to figure it out and balloon payment would be due. I asked about the short time frame and got a full run around of a conversation I was completely lost in and very confused. They were impatient and not willing to take the time to explain procedures or benefits to programs that I would be able to afford and keep my home. I continuously receive phone calls wanting money they know I cant possibly come up with as this has been stated from the beginning. I get statements that are confusing with large chunks of money being demanded and still not options or help of any kind. This XX/XX/XXXX, while believing I was at the end of forbearance, I found out that they had drained my entire bank account of the only monies I receive to live on from Social Security of {$850.00} a month, ( I am suing my spouse for support and have started court proceedings last month. ), leaving me not a penny, no notification they were going to do this leaving me completely devastated not able to buy food, medications needed, nothing what so ever. So I feel nothing has been accomplished other than their intentions of forcing me out of my home and taking advantage of a devastated senior and bullying me for the rights to my homes equity. I pleaded my heart out to them explaining my devastation, needs, and to hear absolutely nothing was not only embarrassing but devastating as it was my last hope. This has caused great stress further causing complications to my health and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

No idea what or why this card is showing up on my report? I do not have a flex spending card??? 

JPMCB CARD XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$400.00} REV {$210.00} MIN {$35.00} {$0.00} XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX/XXXX/XXXX  Late Dates : XXXX/XXXX, XXXX/XXXX FLEXIBLE SPENDING CREDIT CARD
Product: Credit reporting or other personal consumer reports

I recently accepted a job offer. Sterling Check Corp was hired by the employer to complete a background check. Sterling Reported a XXXX history that had been expunged and sealed under XXXX XXXX XXXX clean slate laws. When confronted where they got the information they claimed it was on the Court website which would be inaccurate as I have proof those records were removed at the time the expungement was granted in XXXX. Additionally I confirmed this morning there are no records in the XXXX court system. Additionally I recently successfully completed a XXXX security clearance background investigation which would not have been successful if those records existed. Sterling 's gross negligence, unethical behavior and failure to comply with XXXX law and FCRA have now cost me a job offer and caused significant financial hardship.
Product: Credit card or prepaid card

1 ) In the email I was sent to access the card it says " to activate a pin just punch XXXX in the first time I use it. That didn't work and it declined. When I called ( XX/XX/2022 @ XXXX ) they had me set up a pin over the phone. Then today ( XX/XX/XXXX ) when we called the woman said the cards don't have pins = their information on pins is incorrect. 
2 ) In the email it says to enter my name and address when a vendor asks for that info. But then on the phone call on XX/XX/XXXX the woman said no name or address is attached to the card so we can only do online purchases that don't ask for that info. Which is literally XXXX. What online vendor does not ask for name and address when entering credit card information. The information in the email and on their website says to enter the info like a credit card.

3 ) It does not work with my XXXX pay which is what was advertised and why we bought it. When I called on XX/XX/XXXX they said they were having problems with mobile pay and they couldn't tell me when it would be fixed. 
4 ) I tried to use it on XXXX, it didn't work. I tried to buy and XXXX gift card with it, it didn't work. I have no idea what online vendor would not ask for a name and address so I can not see how it can be used online. 

Perhaps I didn't read the fine print. But in the least this is FALSE ADVERTISING..
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we have a paid off account with debt collector XXXX XXXX XXXX. This debt has been paid off since XXXX XXXX, Collectors agreed to remove the account from my credit report immediately after payment, Still to this date XX/XX/2019 it is still showing on my credit thus affecting me in a negative way. Collectors state they report monthly. I have called in numerous time in attempt to get it removed, in return i get mixed responses on a solution.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX  XXXX has violated my rights. Has violated my ri

ghts. 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 or other personal consumer reports

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( TRANSUNION ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX  XXXX for the account opened XXXX XXXX with account number XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( TRANSUNION ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Product: Mortgage

ILLEGAL FORECLOSURE AGAINST OUR HOME ... AUCTION SALE XXXX XXXX, 2016. PLEASE HELP! 
NATIONSTAR MORTGAGE LLC- THE SERVICER TURNED " LENDER-ASSIGNEE-MORTGAGEE '' WITH NO MATERIAL PROOF ... ALLEGED LOAN ACCOUNT RECENTLY DISCOVERED TO BE LEGALLY NON-EXISTENT ( DELETED BY XXXX BUREAU FROM XXXX XXXX CREDIT REPORT IN XXXX 2016 ) ... FAILED DEBT VALIDATION REQUIREMENTS -- WITH MULTIPLE VERSIONS OF THE AMOUNT OF DEBT, AND THE IDENTITY OF THE HOLDER OF THE BENEFICIAL INTEREST ... .SUBJECT TO COLLATERAL ESTOPPEL AND WAS ISSUED A CEASE AND DESIST PENDING DISPUTE OF ALLEGED DEBT ... .YET, BLATANTLY IGNORES EVERY FEDERAL AND STATE STATUTE ... '' AND MAKES CLAIM THAT ITS COLLECTION EFFORTS ARE OUTSIDE OF DEBT COLLECTION given it is foreclosure-related.. '' RECORDS THE UNLAWFUL NOTICE OF DEFAULT THAT IS BEHIND THE FORECLOSURE AUCTION SALE OF OUR HOME ON XXXX XXXX, 2016 ... WITHOUT AN IOTA OF MATERIAL PROOF TO THE RECORDED FORECLOSURE INSTRUMENTS PURSUANT TO CA CIVIL CODE 2924.17. 
PLEASE FIND ATTACHED. ( The additional exhibits are being sent via fax. ) THANK YOU FOR YOUR URGENT INVESTIGATION AND ENFORCEMENT ACTION!
Product: Money transfer, virtual currency, or money service

Expressing my concerns regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit, highlighted and significant issues with the platform. Zelle failed to investigate my claims. They informed me that recovering my lost funds was impossible. XXXX  findings indicate that has not only neglected to protect consumers, but has also allowed to repeat offenders to exploit the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Experian so many documents to verify my status as a human trafficking victim and to verify my identity and the representative assigned to me ; XXXX XXXX is doing everything in her power to not remove these items. Ive also filed a complaint with my Attorney General in my state. I was told on XX/XX/2023, I was told a supervisor would contact me within XXXX hours ; Ive yet to receive that call. According to the guidelines, once documentation is received they have 4 business days to remove those adverse items. Every time I call its a different excuse or reason for why they cant remove these items. I feel like this all retaliation because of me speaking my mind about how the lack of professionalism from everyone at Experian and especially XXXX, who I asked to be removed from handling anything that involves me. My lawyer is also filing legal documentation for this because I was also misgendered while on the phone call. Then the XXXX, the person who claimed to be a supervisor, was also dismissive and didnt acknowledge anything about was i previously told and again I feel like everything that is now happening with my file is due to retaliation. Also, the agency that I went through will not be giving out any of my information to anyone. We can do everything through lawyers if this information isnt removed by XX/XX/2023. I have every single phone call recorded and I will use them.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/year> at XXXX, I received an email from Coinbase saying if I would like to continue using coinbase, I needed to go through the identity verification process. I checked the email for signs of fraud but thought it was legit. I clicked on the link and then closed it immediately when I found the link to be suspicious. 
XXXX : I received a text message from my bank asking if {$500.00} charge on my card from Coinbase was authorized from me and replied " No ''. That's when I immediately checked my coinbase account and sure enough all my {$300.00} worth of assets were sold and converted UNAUTHORIZED! 
XXXX : My bank calls to let me know they will be blocking my card and sending me a new one because XXXX unauthorized transactions from Coinbase for {$500.00}, {$900.00}, and {$2000.00} had been trying to process within the past hour. 
-On the Coinbase app, it says " If your account has been compromised, lock it '' which is what I did right away. But I also tried to call them and wasn't able get through to anyone 3 times. On my XXXX call, I opted to get a call back from a representative which was the most frustrating and upsetting XXXX minute call I've ever been on with ANY customer service rep. The rep asked for a verification code which should've been sent to my email on file. I mentioned my account is blocked because of fraudulent activity and I haven't received an email from them. He stated that because my account is blocked, I won't be receiving any emails from them. He also told me that without a verification code, they can not help me! The only other way for me to contact them is through the chat. And then he rudely hung up on me like I was wasting his time and he was in a rush to get off the call! Unbelievable! 
-This is not the only time that this has happened! I have been hacked before when I had a Coinbase wallet. I didn't receive an email, text, or any other notification from them. 2 years ago, one morning I decided to check my wallet to see how things were going with crypto just to find my wallet empty and all my assets were sold or transferred again UNAUTHORIZED. I immediately tried to get a hold of Coinbase customer support and they were no help at that time either! Their excuse was that the wallet should've been secured enough that no one could've had access or hack into my wallet but me. Well someone else sure did and easily took everything. Yet, they weren't willing to get involved. 
-In both incidents, I haven't received any notifications, permission notice, or authorizations for any transactions on my Coinbase account when my assets were being " converted '' or " sold ''. This exchange app is clearly NOT secure, NOT user-friendly, and has FRAUD written all over it!
Product: Money transfer, virtual currency, or money service

In early XX/XX/2023, a XXXX  Checking Account check payment ( Check # XXXX, for {$1600.00} ) I made payable to my landlord ( XXXX XXXX XXXX XXXX XXXX and sent via USPS Mail was fraudulently intercepted and cashed by an unknown party via Citizens Bank. I promptly notified XXXX and submitted the necessary documents with a signed statement from my landlord representative on XX/XX/2023. XXXX opened the claim, investigated, and issued a temporary credit for the stolen check amount {$1600.00} on XX/XX/2023. XXXX repeatedly contacted Citizens Bank ( the bank that cashed my check without properly verifying the identity of the payee ) and has not yet received a response. Due to lack of response from Citizens Bank despite many inquiries, XXXX reversed this credit in XX/XX/2023, removing {$1600.00} from my account. When I called XXXX customer service to inquire, XXXX representatives explain that XXXX can not reimburse my stolen check amount until they receive a response, with no definitive timeline of when XXXX would assume responsibility to reimburse me if Citizens never respond at all. The initial credit that XXXX provided for me is only a courtesy and expires after 90 days if XXXX can not resolve the dispute with the other bank. After dozens of times contacting XXXX without a clear resolution during the span of 10 months, I still can not recover the money stolen from my checking account. XXXX can not offer me any clear timeline or pathway for this issue to be resolved if Citizens Bank never responds to XXXX  multiple inquiries. In the last letter I received from XXXX on XX/XX/XXXX, they are putting the responsibility in my hand to recover my funds from Citizens Bank. Citizens Bank must take responsibility for improperly verifying identify and cashing a fraudulent check for an unauthorized party, resulting in a theft of {$1600.00} from my checking account.
Product: Credit reporting

Previous information was deleted because these companies were not able to verify the account was mine " XXXX XXXX XXXX '' and " XXXX '' they have since then shown back up without notice. Why would you allow them to report again if they did not have valid proof or could n't validate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # : XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alledge collections and charge offs accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX  /account number xxxxxxxx agency name XXXX XXXX XXXX XXXX account number xxxxxxxxxxxxxxxxx XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly i light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Mortgage

I lost my job last year back in XXXX and then has to deal with multiple family problems. 
I submitted documents to reduce or modify my payments for 6 months. they never respond or send any correspondence. I borrowed money from family and made 6- 7 partial payments ( XXXX dollars each time ) they keep returning the check and adding company fees to the total amount due a month later I have made numerous phone call and there is no one to speak to Sunwest mortgage XXXX XXXX XXXX mail and emails I just get a generic response. 
I was told by neighbors this company selling houses without any notice to the owner. 
I just send a check for XXXX and monthly payment of XXXX dollars and they send the checks back again XXXX month later asking for more money. 
Please help me. 
I understand that these companies want to raise my interest rate instead of reinstating the original loan and that is not fair.I read that many mortgage companies are doing this to female home owners like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$860.00} ; XXXX XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX {$2300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Stated in the recent response document that they applied the net proceeds in my contract agreement to the principal balance according to my credit report from XXXX the balance remained was XXXX $ in a positive balance I know I gave the proceeds and security interest away in the agreement so Im requesting answers to why wasnt the securities interest applied to my principal balance on behalf of my principal XXXX XXXX contract agreement? 
And question 2 is how much was the net proceeds amount? And how much was the security interest in the original contract and how much was applied towards my principal balance I am requesting a copy of my original agreement with my wet ink signature and the net proceeds receipts showing they were applied to my contract principal balance thank you. 
Signature XXXX XXXX beneficiary XXXX/2024XX/XX/year>
Product: Debt collection

In XX/XX/2024, an Affidavit of fact ; notice of dispute was sent to XXXX XXXX XXXX, demanding proof of an alleged debt, including signed contract, specie requested for payment and 1099 C and XXXX financial g statements. 1099 c is required to be given bro me by a debt collector alleging a debt, for me to report as income. I have never received any 1099 C from any third oarty debt collector or any from a so called original debt collector. Further, I was never given any XXXX accounting records showing a debt as per the Securities and Exchange requirement. XXXX XXXX has defaulted as her has failed to respond. He has violated my rights and committed fraud.