23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH Loan # XXXX I applied for a disaster forbearance XX/XX/XXXX due to the winter disaster of XXXX. I was approved for XXXX, XXXX & XX/XX/XXXX. I paid all. Than rolled over to a temporary loan mod for XXXX, XXXX & XXXX, XX/XX/XXXX sending my Quitclaim Deed with all filings. I paid all. Filed all of the paperwork in XXXX for a loan mod that started in XX/XX/XXXX with first payment XX/XX/XXXX. I was approved. I have been paying {$2100.00} ( amount of temporary loan mod as well ) for the loan mod monthly. I was told at the end of XX/XX/XXXX that my signature did not have my middle initial on said loan docs. I sent in ( notarized ) documents with middle initial XXXX XXXX. I was once again told that it was approved by my case manager. At the end of XX/XX/XXXXI was told that PHH had not received my Quitclaim Deed. I had sent a Quitclaim Deed with every filing. I sent another copy and PHH found the 1st & 2nd copy in the file during that phone call. I was told today XX/XX/XXXX that my documents were not approved because PHH does not accept Quitclaim Deeds any longer for Loan Mods. I have called PHH every week asking for my documents and was assured that my loan mod was approved but that my documents were not ready for sending out. At no time was I told that PHH had changed the procedures of not accepting Quitclaim Deeds until today. Nor was I told that my Loan mod did not go through until today. I have repeatedly asked for my case manager to call me without return phone calls. I left a message today for his supervisor but as of yet I have not received a phone call back! Please help!
Product: Credit reporting or other personal consumer reports

I was checking my credit report and I found wrong information about my name and addresses.
Product: Consumer Loan

I had a consumer car loan from Santander Consumer of XXXX for about twoyears. I paid off this loan recently, overpaying by XXXX payments, XXXX x XXXX = XXXX. 
Only after I stopped payment from the bank, did Santander inform me. ( Odd that they were very quick to tell me when I was one day late, by not two months paying when I didXXXX not need to! ). Instead of simply crediting my account they sent me a DEBIT CARD. I went to the bank they told me to go to, XXXX, but XXXX told me they could not help me, because XXXX I had to call. I called XXXX times, and finally on the last call I got through to someone who told me that they were just a service company, and NOT Santander. They said I had the wrong card number, and that I had to call the company, Santander, and ask them for a paper check. The problem now is that the SAME number is for both the service company and for Santander! Catch XXXX. I consider their scam is to get me to sign up for a credit or debit card ( now in my hands -- a debit VISA ) that I do not want, never asked for. HELP! Since when are companies sending overpayments back by issuing credit or debit cards? All they had to do was send me a check or credit my account. This is a scam. Please stop it!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX/XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX An XXXX  : Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX , XXXX : Inquiry from XX/XX/XXXX XXXX/XXXX  : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX/XXXX  : Inquiry from XX/XX/XXXX XXXX  : Inquiry date : XXXX XXXX, XXXX XXXX  : Inquiry date : 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 XXXX XXXX XXXX XXXX XXXX & : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 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: Checking or savings account

My brother and I have a mom who is on XXXX We put money in a regions account every month to pay her bills. We set this up years ago and calculated the amount we put in every month to be more than what her bills are so we can save up for emergencies, like last year when her plumbing busted. Since all the bills/deposits are typically the same each month, we dont follow it religiously. We trust that the bank takes care of our money. 

Recently I got an alert that the account was overdrafted and is at - {$300.00}. I could not understand how this was possible since there should be at least {$1000.00} extra in there based off my calculations. I check and since 2021 there were 7 checks taken out of the account for a total amount of {$1200.00} and two overdraft fees charged at {$36.00} each. These checks DO NOT have my account name or account # on them and are from the same person every time. 

I call regions, they sent me to regions fraud. Fraud said it was NOT Fraud. Regions had mistakenly taken checks from another customer out of my account, 7 times since 2021. They said this could be fixed and the all money replaced over the phone through a simple account correction and I need to call back to the first line. I call back to the first line, am directed back to the fraud, and then back to the first line again. That person says they cant help me over the phone, and I will need to go in person to the branch where these checks were being taken out. I explained that I cant go in person, I live in CA. They said I need to call directly to the branch and see if they could fix it. I asked if they could remove my overdraft fees and they said only allowed to remove one. 

I call the branch directly, they said it could have all been handled on the phone by the first person as they all share the same information and they aren't sure why they said that. They said they can remove all my overdraft fees, but only can give {$300.00} back of the {$1200.00} they gave to another customer because of a 60 day policy. My mother 's electric bill bounced yesterday and we have no safety net for her now for emergencies.
Product: Debt collection

On XX/XX/XXXX, I visited XXXX  XXXX XXXX in XXXX, Texas. The itemized medical bill was XXXX. The administrator asked how did I wish to pay. My response was via mastercard. The administrator asked it would be via insurance? I responded for a third time. It would be mastercard. 

The Administrator and nurse on duty presented me with an XXXX itemized bill statement. 

I asked on three other occasions if this was the bill in full and the Administrator responded yes. " This is the itemized cost per our charts. I then provided my mastercard to the Administrator and a charged of XXXX was bill to my card and I was presented with a receipt for my records. 

Within three weeks, I started receiving bills for additional charges. I have spoken with XXXX  XXXX on several occasions, and provided them with a copy of the paid receipt. The response was, " I don't know why they charge that price because it is not enough. 

I contacted my legal team and they drafted a letter of inquiry which XXXX  XXXX has refused to acknowledge on two occasions. 

On XX/XX/XXXX, I received a letter from a third party collection agency threatening to report the matter to the credit bureau as bad debt collection. I have attached substantiating documentation of full payment and all other pertinent documentation for your review and resolution before additional legal action is warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid to have my credit repaired from Expert Credit Sweeps owner XXXX XXXX she was suppose to send out a dispute later to all 3 Credit Bureau on XX/XX/XXXX19 and i should have received a response back from the credit bureaus in 30 to 45 days i haven't received anything back from the the bureaus so i called them to ask about the disputes and all 3 bureaus said they have no dispute on file i also asked for proof from expert credit sweeps and have not received that as well i am being scammed she has taken {$300.00} from me for this work and will not provide proof of the 1st dispute later she claims she sent out
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute XXXX XXXX banks for reporting inaccurate information on my credit report and all the bureaus said it was verified. 
I was trying to get XXXX XXXX and was rejected for negatives information my account.I am trying to get a job and can not because of this account being report negative. This account was secured and the company took some of my money as fees before closing it. 
They should deleted or report it as paid with no late payment or any negatives on the account.
Product: Mortgage

My name is XXXX XXXX , I have been trying DESPERATLY to resolve my issues with MR. COOPER XXXX Since XXXX I have been in foreclosure. UPDATE : My forbearance expired XX/XX/XXXX. I was notify that payments will began XXXX, XXXX. I have sent XXXX payment, XXXX payment, XXXX and XX/XX/XXXX have ALL be submitted so far. Mr. Cooper is making do a 6 months TRIAL period. When I was approved 3 months ( Modification ) TRIAL period. Mr. Copper changes the rules to benefit themselves, every time I am close to getting out of the cycle I am forced back into something else, that cos me STRESS, FINANCES AND HARDSHIP. Mr. Cooper has NO intention to resolve the problems. They create MORE, MORE, MORE Delays.
Product: Mortgage

I have mortgage through XXXX who sold it off to mortgage servicer Dovenmuehle Mortgage Company. I received escrow analysis that was dated XX/XX/year> with a surplus stated of over {$8000.00} with no check included. It states check would be sent within 30 days of escrow analysis and I have yet to receive the check. I called them XX/XX/year> spoke to lady who said they had not issued the check yet and couldnt find out why. She stated I must wait 60 days before they can reissue the check even though she stated they never issued in first place. I then did some digging to realize my last years escrow analysis stated an over {$5000.00} surplus and I was never sent the check for that either and they rolled it over into this year which is illegal. I continue to contact them online and via phone and I get no straight answers and they can not guarantee a date or the amount of the check that will be sent. Realizing they didnt send it last year Im assuming they will not send it this year either. I have never dealt with a more incompetent company in my life. They steal peoples money interest free. I am contacting a lawyer in order to get this resolved which will take more time and resources than what should be needed.
Product: Checking or savings account

Hello, I have reported fraud from my business bank account as someone hacked my account and had been using my card electronically without my consent or authorization and knowledge. I reported the claim to Wells Fargo and they denied it after '' thorough investigation ''. More than {$4000.00} was stollen from my account in a day through different forms such as flights, XXXX, money transfers, and t-mobile purchases. All of these were large transactions and not once did my bank ( Wells Fargo ) report suspicious activity. I believe this should have been done as all the purchases were large, some up to {$1000.00}. I submitted a claim with my bank immediately of XXXX pending transactions on XX/XX/XXXX when I was alerted by XXXX XXXX XXXX  of suspicious activity, the transactions were posted on XX/XX/XXXX, even after I had already reported them. A few days later XX/XX/XXXX was told the claim was denied because it was missing certain criteria for fraud. I asked to reopen the case as I have proof none of these transactions were done by me and seem to have been made out of state and I physically have my card and have not given it to anyone ever. I am disappointed as I believed my money would be returned as Wells Fargo has claimed to protect agains fraudulent activity and its actions have not proven to do so. I am a XXXX XXXX XXXX  and had loved my experience with Wells Fargo.
Product: Checking or savings account

I made a purchase via XXXX XXXX  to get a service done on XXXX XXXX XXXX for XXXX using my connected Wells Fargo debit card. That service ended up being a scam so I filed a claim with my bank first and then XXXX XXXX. My bank gave me a provisional credit while they investigated the claim, they then denied, they reversed the provisional credit they gave me. It took a couple months before I heard back from XXXX and they told me that my claim was approved and told me they refunded the money back to that bank account on XX/XX/year> but the only problem is I dont have access to that bank account any longer. That bank account has been shut down and there is no way for me to receive the money that was supposed to be returned from that claim. I called my bank that was connected to XXXX and was told that they couldnt accept money for a closed bank account and that the funds XXXX  had sent to them had been reversed back. I then contacted XXXX  and was told there was nothing they could do that they indeed did refund that transaction and they did not receive a reversed payment back from my bank. Im really lost what to do from here XXXX is saying they refunded that claim but Wells Fargo is saying they cant give me this money essentially because my bank account got closed. My bank account was unfairly closed because of that fraudulent charge that Wells Fargo denied my claim on and them reversing their provisional credit and now that I the merchant i filed a claim with approved it I am no longer able to receive my funds because Wells Fargo is holding my money hostage and saying they pretty much cant do anything to help me. The phone number on my complaint is wrong I am able to be reached at XXXX thank you
Product: Debt collection

I have an outstanding debt with Chase Bank. I called to settle this debt in XX/XX/XXXX. I am not residing in the United States, have no current plans to return to the United States, and I have expressed this to the Chase representative. During the call, a settlement amount was discussed. The Chase representative assured that a letter would be sent to my mailing address for me to confirm the settlement amount, however, this never happened. 

I called Chase back XX/XX/XXXX, to inquire about the letter. There was no explanation, and the settlement now " needed to be renegotiated ''. I reiterated that I was unable to pay the full balance, and that I was outside of the country. Due to me not having a job, or stable income, I decline a payment plan. I let the Chase representative know that I was able to make a lump sum payment but a payment plan was unrealistic. A settlement was not reached and I was told the debt would be sent to a law firm. 

XX/XX/XXXX, I received confirmation that the debt was sent to a law firm : XXXX, XXXX, XXXX, XXXX. 

I contacted the law firm XX/XX/XXXX, I was told a letter was sent to my mailing address XX/XX/XXXX. This was never confirmed, I am not there to receive the mail personally and my family did not receive it. I mentioned that I wanted to settle this debt, explained my financial troubles and that I am living outside of the country. A settlement amount was offered that I had to decline. The law firm representative suggested that I get a job and call back when I can pay the amount offered. 

I spoke to another representative XX/XX/XXXX. I further stressed that I am living outside of the country on limited funds. I asked for a lower settlement amount, it was denied. I was told that all I could do was keep in contact ; I should call back. I explained that I am living in XXXX, offered my phone number and email address. The rep refused email communications. I was informed that a summons was sent to my mailing address XX/XX/XXXX. 

I called and spoke to a law firm representative XX/XX/XXXX. I stated that I still wanted to settle my outstanding debt. No change in the amount was offered. I was told that I am being sued and it was suggested I seek legal advice. I confirmed that a civil case docket exists and it was filed XX/XX/XXXX. 

I did seek legal advice, and I was encouraged to contact the CFPB.
Product: Debt collection

This company has sent several voicemails, and letters along with emails requesting me to pay this debt that was originally for XXXX. However this debt has already been charged off, I also sent this company a certified letter asking for them to send proof of validation and payment history within 30 days which they have not done thus far. Its been over 30 days.
Product: Debt collection

This company has been harassing me for this debt that I allegedly owe, ruining my credit in the process. They say I owe the debt, but provide nothing that can be considered validation of debt. They are also in violation of 15 USC 1692g, which requires appropriate validation of debt within a specified timeframe. It is not fair to continue to affect someones credit, without proper validation and justification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim and have dealt with extreme identity theft for years. During this time, I've had my credit frozen and unfrozen and also flagged for ID theft- it's been difficult for me to get loans. I've reported to the police on numerous occasions for mail fraud and this is the first step, getting my credit reports. 

Currently, I'm dealing with ID theft still and trying to get an accurate picture but the freeannualreport.org will only allow me to see XXXX. I have tried through the mail to get reports in the past year and have been unsuccessful. There are inaccuracies on XXXX that do not add up on my Chase Bank and I would like to freeze my reports, however, I need to see the reports first. 

Right now, I need assistance before I can get an attorney and this is the first step. Please HELP!
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account ; XXXX XXXXXXXX XXXX XXXX account number ; XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account no.XXXX .... is wrongfully appearing on my Experian credit report.XXXX XXXX , a bank recently notorious for cheating customers on automobile loans, regardless of scrutiny and fines paid is continuing to cheat customers. 
My 48 month auto loan was paid off.After receiving clear title, the pink slip from XXXX XXXX a mysterious, undisclosed, unaccounted for fee for {$190.00} dollars ( now {$250.00} ) was assessed and is appearing on my credit report.Regardless of numerous disputes for XXXX XXXX fraud to Experian the account remains on my credit report.At the least this account should be immediately deleted and XXXX XXXX, who are thieves, from the top of the company executives on down should continue to remain under CFPB scrutiny for possible criminal charges or closing the bank to their operations in automobile lending.
Product: Credit reporting or other personal consumer reports

I requested my information be updated through a dispute letter through mail, but no results were received. Due to these errors, my account is inaccurate, and I request it be updated immediately. 

Under FCRA Section 611, I have the right to dispute inaccurate information and expect the credit bureau ( s ) to conduct a reasonable investigation within 30 days. However, Experian has failed to fulfill this obligation, thereby infringing upon my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

The bank offered me a cash advance and offered for automatic draft from account I agreed to that part however i was not notified that the account could not be debited my direct deposit clears once a month on the XXXX due to XXXX and no other funds are put into the account so they did a force write off and my account is suppose to exempt from any of this because its a federally funded money I recieve.