23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have attached a complete statement with supporting documentation here. 

Briefly, I was contacted by two ( 2 ) credit reporting agencies I retain to monitor my credit report activity that Mr. Cooper/Nationstar Mortgage ( Cooper ) had filed notice of two ( 2 ) late or missed mortgage payments. 

In review, the alleged missed payments have been reported to the credit reporting agencies as XXXX and XXXX XXXX Cooper has applied payments made as of XXXX and XX/XX/2018 to months XXXX and XX/XX/2018, thus fraudulently attempting to induce the credit reporting agencies to lower my credit rating and make it appear I have not made timely payments according to Cooper billing statements and its notation that " I could rest assured the terms of my loan will remain the same, as transfers like this are common and do not reflect on the borrower in any way. '' Cooper has also failed to appropriately act on a County of Hawaii Real Property Tax Department exemption based on my VA XXXX XXXX status that has reduced my real property tax to {$200.00} for the fiscal year. Cooper has noted on its website that a refund is allowed to me for {$1000.00} plus from its escrow account, but is alleging the refund will not be processed due to my mortgage account not being current. Cooper has also failed in its recent assessment of the escrow account to reduce my tax payment based on the property tax exemption for the remainder of the year, thus my monthly mortgage payment has not been reduced. 

Finally, based on Cooper 's erroneous calculation in manipulating my timely mortgage payments, my credit score has been reduced by XXXX points placing my credit rating in an unsatisfactory category.
Product: Credit reporting or other personal consumer reports

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

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 XXXXXXXX - BALANCE {$4600.00} DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$280.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XXXX, XXXX Account Name : XXXX, XXXX XXXX XXXXXXXX # XXXX - BALANCE {$890.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Unauthorized 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
Product: Money transfer, virtual currency, or money service

I have had several XXXX sent to the wrong person, I called my bank and they stated that there is nothing that can be done. 

Sometimes mistakes can happen as simple as one number is off while inserting the phone number. I explained the errors and they basically did not care.
Product: Debt collection

In went on XXXX XXXX as I had a foreclosure and enough time had passed so I wanted to work on my credit. I located a DEBT {$870.00} with Midland Credit Management ( MCM # XXXX ) for a XXXX XXXX Bank ( # XXXX ) credit card. 
I DID NOT APPLY FOR., RECEIVE, and/or USE a CREDIT CARD. 
I tried to call and speak to Midland, they were rude. I called XXXX XXXX Bank. They were helpful, in the fact, they let me know date the account was opened XXXX/XXXX/XXXX. The address that was used for the credit card : XXXX XXXX XXXX XXXX XXXX, FL. The date they sold the account to Midland Credit Management, XXXX XXXX. They instructed me to call Midland Credit Management back and request a Resolution Letter/Fraud Packet. I did same. However all Midland Credit Management sent was a BILL for the {$870.00}. I never received the Fraud Packet. 

This is NOT my debt. I was married and lived at that address at one that time. HOWEVER, I divorced and moved to XXXX in XXXX XXXX. 
My Divorce was Finalized XXXX XXXX. 
This account was XXXX XXXX XXXX. 
Again I did NOT live at the Address of XXXX XXXX XXXX XXXX XXXX. FL when the account was opened and used. I did not apply for any credit card. I obviously never received the credit card as I had not lived there for almost XXXX XXXX. However, my ex-wife DID live there at the time the account was opened. As we were once married, she knows my Social Security # etc. I can not say she is the one who did this, but it appears she had means and opportunuty. And during this time she has multiple arrest for fraud, stolen property etc, as a result of her drug habit. 
I sent BOTH XXXX XXXX Bank and Midland Credit Management a Certified Letter stating the issue andagain asking for a FRAUD PACKET, a copy of the APPLICATION, a copy of the exact CHARGES and locations of those charges. 
XXXX XXXX Bank responded they do not own Account to contact M idlandCredit Management.
Midland Credit Management responded that they " investigated '' and determined it was a correct debt.??? 
How is that possible? Someone FORGED my name, USED my Social Security #, basically STOLE MY IDENTIY, ran up a debt under my name. 
How is this a legitimate debt? 
I NEED and DEMANDED from MIDLAND CREDIT MANAGEMENT to provide me : 1. Fraud Packet 2. Copy application including signature card 3. Copy Ledger of each of the purchases ( dates/location/amounts ) assocaited with this debt 4. Verification of exact date and address the credit card was mailed. 

Again I have been repeatedly DENIED this information. 
I need this information to file a Criminal Case with the XXXX 's office. 

I need assistance. Someone STOLE my identiy and Midland Credit Management is REFUSING to provide me information that I need to 1. determine WHO stole my identity and 2. pursue a criminal case against that person. 

I can be contacted at XXXXXXXXXXXX or XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX. 

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

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to provide accurate reporting. I have informed Equifax that all the inquiries listed on their report are fraudulent. By law, the company had four days to remove these fraudulent items. An FTC fraud report has been filed on behalf of the consumer. The consumer is now requesting Equifax to provide the documentation used to verify that the inquiries were authorized by the consumer. Equifax has 15 days to provide the name of the individual contacted, the documentation reviewed, and evidence of authorization. If it can not be confirmed that the inquiries were authorized, they must be removed immediately. 
Additionally, Equifax is obligated under SEC regulations to follow specific rules. The companys Commission File Number is XXXX. Further related entities include 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 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 
The consumer intends to file Form 211 and Treasury XXXX forms to audit their account. Despite securitizing the consumers data, Equifax has refused to provide a copy of the consumers FULL FILE ( distinct from the consumer report ).
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Due to Bank Error I am writing to file a formal complaint against U.S. Bank Home Mortgage for an inaccurate report on my mortgage account, which has caused significant damage to my credit score. The bank incorrectly reported my mortgage status as " 60 Days Late. '' The late payment status was due to an error by U.S. Bank.

I have already contacted U.S. Bank multiple times regarding this inaccurate entry from my credit report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ). The bank has acknowledged that this is their error, not my fault, and have asked for the status to be corrected. Despite my efforts, the bank has not taken prompt action to correct the error, this has resulted in a XXXX drop in my credit score.

I am seeking the following resolution : 1-Immediate removal of the " 60 Days Late '' status from my credit report completely.

2-Correction of my credit report to reflect the accurate status of my mortgage account, including any negative impact the error may have caused.

3- Full restoration of my credit score by having the correct, on-time payment history reflected across all three credit bureaus ( XXXX, XXXX XXXX and XXXX ) 4-Confirmation in writing that the correction has been made.

If this issue is not resolved promptly, I am prepared to take additional steps, including pursuing legal action and filing complaints with other regulatory authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Product: Bank account or service

Constant noise from garbage trucks and garbage removal at Citibank on the XXXX XXXX side of the buidling across from XXXX XXXX between XXXX -- XXXX most evenings. Would like to report this noise and have it removed and it is disturbing the residents who live in the surrounding area and buildings on XXXX XXXX
Product: Money transfer, virtual currency, or money service

Around Noon on the XXXX of last month I received a text from the " Wells Fargo Fraud Dept '' that said my credit card was used online for a purchase of {$1400.00} at XXXX XXXX. I responded NO and then immediately after received a call from a Wells Fargo number. A man from " Wells Fargo '' wanted to confirm it was not me that made the purchase and then transferred me to a specialist in the fraud department who went on to tell me that there was more activity going on with my checking accounts. She already had access to my accounts calling out charges on my account to make me believe it was Wells Fargo on the phone. After this she said a man was seen at the branch in XXXX closest to where I live trying to take out {$20000.00} in cash using my identity and that the clerks were exchanging notes with the man. She then said that the man went to the other branch closest to me to try and take out {$12000.00} which would have been all the money left in my checking account. The lady said that fraud and scams were going on all week at these two branches and that I had to go get cash out at these branches immediately before my money was actually given to the man. 

I headed to the first branch and asked for XXXX in cash ( They gave it to me right away and didn't ask why I wanted the majority of my money in cash ) and went on as advised to put into a new account that they created for me via XXXX  XXXX. I thought the XXXX  XXXX  was connected with Wells Fargo and that this would be my new debit card. I went on to put the cash into the ATM outside through the XXXX  XXXX  and thought my money would be secure in this new account. Then they told me to go get the XXXX ( once again did not ask me my reasoning for taking all of my money out ) at the other branch and put it into another card they created for me in the XXXX XXXX. 

I now had XXXX new cards in my XXXX XXXX with all the money in them. Please remember this whole time they sounded so professional on the phone, already had access to my accounts somehow, and made me turn against Wells Fargo and I thought the people in these branches were trying to organize a criminal activity with people on the outside to take my money. 

The lady went on to tell me that the XXXX cards needed to be deleted off my XXXX  XXXX  so these branches could not track them. At this point I was so confused and emotional and just did what they said. 

The lady told me that it was an ongoing investigation of what was going on at these XXXX branches and that my cards were secure with them and I would have access to them as soon as the investigation was done. 

Once I hung up the phone and called my brother, we talked it out and it clicked that these were the people scamming me, not Wells Fargo. 

My concerns are why did these people already have access to my accounts, why did Wells Fargo not ask and take it more seriously when I asked for 100 percent of my money in cash, why did I have to call the fraud team to find out that my claims were denied when they knew it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Afni collection for XXXX. I did not open an account last year. Someone used my name.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to a creditor, i.e. 
XXXX  XXXX XXXX, placing unauthorized inquiries upon my credit profile. I have been trying to reach resolve for over eight months, to no avail. I have sent letters demanding that they furnish proof and remove it, only to receive a generic response ( see attachment containing correspondence ). I will mention that, despite sending multiple letters, I only received a response from the company on one occasion-which was several months ago. I also contacted the three major credit reporting agencies, to which they responded that the information will remain on my credit profile-even after I demanded they furnish proof-without either actually furnishing proof within the requested timeframe ( see attachments dated XX/XX/XXXX/2023 to bureaus ). I will also supply correspondence from the investigation results from credit reporting agencies. They are attempting to allow inaccurate information to remain on my credit, going against my rights to fair and accurate reporting. Please help.
Product: Debt collection

XXXXProvidian National Bank requested a garnishment judgement on a time-barred debt. The credit card debt is from XXXX/XXXX/XXXX they filed a law suit for garnishment of my wages on XXXX/XXXX/XXXX past the statue of limitations of 10 years. I contacted the XXXX XXXX XXXX XXXX in the State of XXXX. They indicated that the Law offices representing Providian National Bank did not request an extension on the Judgment therefore they did not have grounds to file a judgment for garnishment.The original judgement was in the State of Tn they requested a foreign judgment in XXXX State. I was never notified of this law suit so that I could file an objection. The notice that they sent was sent to an address in XXXX State I did not and do not live there. I was never served so that I could appear in court. They received a default judgement for a debt that was too old to collect on. I do not believe this debt is mine so I contacted the Law offices to get validation of the debt on XXXX/XXXX/XXXX I still have not received debt validation. I believe this was a case of identity theft.
Product: Credit card

Back in XXXX, unfortunately, I opened an account with XXXX for collections. I started making some collections and they closed the account, claiming that it was not trustworthy! Supposedly, the money I had collected could be delivered to me within 90 days ( take note ). Years went by and we are in XXXX. In XXXX, I received XXXX letters telling me that if I did not claim my money by XX/XX/XXXX, they were going to send it to the State of Florida to the Unclaimed Property Department. It turns out that I was calling them for almost 3 months and they gave me XXXX of the XXXX funds. But for this, you have to beg them day after day to give me my money. Now on the XXXX, they told me that I had to wait XXXX more days for them to unblock it or else ask the State of Florida for it. I am sending them a copy of the document requesting my money from the stadium, which they do not have. This is the worst thing about playing with the client and they even blocked me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019and XX/XX/XXXX, I was a victim of a housing fraud ( I lost a total of {$2600.00} : {$1300.00} for the first month 's rent, paid XX/XX/19and {$1300.00} for the security deposit, paid XX/XX/19) perpetrated by a man posing as " XXXX XXXX ''. He showed me what appeared to be a legitimate apartment sublease in XXXX XXXX, California on a housing listing site and used what appeared to be his Driver 's License to prove his identity. He also handed me what appeared to be a legitimate housing contract, signed and notarized by a personal agent named XXXX XXXX XXXX. 

He then directed me to make XXXX payments to XXXX XXXX, a person who he claimed was his girlfriend. He noted to me that he would mail me the keys. All this turned out to be a fraud when 3-5 days later, the keys never appeared at my house. I tried contacting him after this to no avail ; he refused to send me the keys and then stopped responding to any of my messages. 

I contacted Chase Bank by phone to attempt to have the charges reversed, but one week later they told me that nothing could be done on their end. They would not tell me the name of the recipient 's bank, even though they insinuated that they knew the name. They also told me that because the payment was made through XXXX, it could not be reversed or tracked. I find this extremely misleading because Chase advertises XXXX on their homepage and on my bank account dashboard as a safe and regular means to pay bills, as if it was like a regular checking or savings account or debit/credit card payment. There is no fine print warning users of the lack of traceability or potential for XXXX to be used for scams. 

I did give the man a copy of my driver 's license. Once I found out this was a scam I immediately went to my local DMV to deactivate this license and apply for a new one. I have subsequently submitted full reports to agencies such as the California Dept. of Justice, XXXX 's fraud line, the U.S. Department of Justice, and the FTC, and reported the incident to the local police ( XXXX XXXX County Sheriff 's Office ). None have been able to retrieve the {$2600.00} nor find the individual responsible thus far, although they have noted to me that my information may add to a body of evidence that will eventually find the perpetrator. I also put a credit alert on my file in case the perpetrator tried to open a credit line in my name. 

The {$2600.00} I lost was a very large sum of money that made a significant negative impact on my budgets for the next year. I was severely distressed by this incident because I was working hard over the past year to be able to save money to eventually go to law school and make rent payments on the next apartment I end up leasing. If I could get the {$2600.00} payment reversed by Chase Bank, it would help to pay for future rents and save for future schooling, and I would be very grateful. I am contacting the CFPB to see if they can ask Chase Bank to reverse the charge and delve deeper to see if they can find more information about who and where the money was sent to. 

Thank you so much for your help. I appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I made payments to my bills with Bank of America. BOA claimed that I had not made the payments and in XXXX they reported me to the Credit Bureaus even though I made more payments on the same debt. They continued reversing the second and third payments on the same debt I was trying to make. I contacted them and a Supervisor said that they were going to take care of the mistake. As a result of they reporting me in XXXX my credit score decreased by over 80 points. They continued reporting me unfairly almost every month since XXXX and my credit score continues decreasing for the same problem. I'm providing proof of payments made, payments that I continued making every month for the same debt which Bank of America continued returning and I can't understand why. At this point I've paid the debt twice and they continue reporting me. This could be detrimental on my credit. Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPG 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

The home secured by the loan burned down, and Freedom Mortgage has been holding all of the insurance funds in escrow. They refuse to return the amount to rebuild or even the overage above the outstanding loan amount. The mortgage company has stolen thousands of dollars from us before, so we were wary of sending them the check, but when we were assured that they would process the amount, and send back the overage we sent them the check. They have been holding the entire amount including an overage of about {$100000.00} with no communication.
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX sent me a letter saying that a bill was resolved. It was a fraudulent bill that took about 5 years to contest. I had felt relief about the bill being erased until I saw on XXXX XXXX that they still say it is owed. I called them. A CSR said that one debt was erased but a new debt wasn't disclosed to me before. I was like " how is it possible that the new debt is exactly the same amount as the debt that was erased? It seems totally impossible and I never heard of this '' He said " It must be fraud or identity theft ''. It's about {$300.00}. The debt erased was about {$300.00}. It is a new debt that I never heard of from a company that was forced to erase the original debt. This is outrageous.

I can see that they can erase one and just make a new debt up out of thin air. The new debt just replaced the old one like it was nothing. This is their address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

CapitalOne is blocking me from linking my account to the XXXX XXXX XXXX.