23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved for a three month COVID19 Forbearance for the months of XXXX, XXXX and XXXX of XXXX. In XXXX, I was going through my mortgage online account when I noticed there was an alert for a document. I clicked on it and saw it was a letter offering me a deferral to help bring me current after my forbearance, however I never received this letter in the mail or via email. I then called approx XX/XX/XXXX to accept the deferral and to make my XXXX payment since I indicated my COVID19 hardship was over and I could resume payments. I specified to the rep, according to my approval letter my payments are now {$1800.00} so that is the amount I would like to make. He then proceeded to take a payment over the phone. On XX/XX/XXXX I called since I realized my loan was still not current. A representative indicated the rep I had originally talked too approx XX/XX/XXXX did not submit the request therefore my deferral was not completed. I was then put on hold for over 20 minutes and the rep never came back and then hung up on me. I then called back and got another rep who stated they had to start all over with my account and would send my account over for review. I indicated to her I had made my XXXX payment and was ready to make my XXXX. After I hung up with her, I went to check my mail and the XXXX payment I made on my account was sent back to me in a form of an escrow overage.
Product: Checking or savings account

Basically I fell for a scam and the following transactions reflect the money I lost. 

XX/XX/2022 - {$200.00} Through XXXX XX/XX/2022 - {$400.00} Through XXXX XX/XX/2022 - {$350.00} Through XXXX XX/XX/2022 - {$600.00} Through XXXX I already reported all transactions with XXXX. 
Basically someone gave me their bank info to pay off some of my credit cards, the information worked and my balances were 0 on my cards, it remained that way for 2 weeks, then I found out today that it all got reversed ( which is something I did not know could happen ). During the time in between is when I sent money from my checking, believing I was helping the person out and was promised to get it back. This was my first situation of this kind so I am just trying to take all the necessary steps to salvage what I lost.
Product: Debt collection

this is fraud i do not know these people and the situation ... its fraud ask for any document ... their are none ... i do not sign papers nor i do not know these people
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Date ] [ XXXX XXXX ] [ XXXX  XXXX XXXX ] [ XXXX, ct, XXXX ] [ XXXX XXXX XXXX ] [ ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ Description of fraudulent transaction/account ] [ Dates of fraudulent transaction or Account Number ( if known ) ] Dear Sir or Madam : I am a victim of identity theft.. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ XXXX ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 

Enclosed with this request is the following documentation, as applicable : 1. I have Proof of my identity : i send A copy of my drivers license, ; and 2. i send Proof of my claim of identity theft : A copy of the police report about my identity theft ; and A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 


Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name is in the police report I send, address and telephone number is : If you have any questions concerning this request, please contact me at the above address or at XXXX XXXX
Product: Bank account or service

XX/XX/2015, I placed a stamped addressed envelope in my mailbox to mail a XXXX check to our lawn maintenance person. The check was made out in his name. Somewhere, either out of my mailbox or in transit to his address the check was stolen and was altered to read made payable to my lawn man and " another name '' in the amount of XXXX. The check was forged on the back with his name and the thief 's name and cashed ( presented at XXXX ) and the money was taken out of my account. I immediately notified Chase bank and filed an Affidavit of Unauthorized Endorsement or Altered Item with Chase, filed a police report and tried to contact XXXX XXXX on my own. Chase bank told me they will not give me a curiosity credit while the investigation is going on, and they are at the " mercy '' of the other bank ( XXXX XXXX ) to respond to their inquiries. None of these entities will help me. I filed another investigation with the executive office of Chase bank, who informed me I have to wait a minimum of 90 days for a response from XXXX XXXX, then another 30 days after that, if no response is received my case is closed, and I may never get my money back. 
Being an XXXX on a very fixed budget and with very, very little savings, the loss of this money hit very hard. It caused me to incur a lot of debt, late payments, and fees. I feel as though I have no one really trying to help me not only get my stolen money back and find who stole my check, but that Chase bank is not taking any responsibility for their negligence with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors XXXX XXXX SELF LENDER, SELF FINANCIAL BANK INC/ XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have received repeated calls from XXXX XXXX XXXX ( XXXX ) XXXX today was XXXX XXXX regarding a debt from XXXX   XXXX HSBC. 
Per XXXX there is a balance of {$900.00} something dollars in default as of XX/XX/2016 account ending in XXXX, and they can settle the debt for XXXX if paid today. This is apparently a company that received an old list of collection accounts and are trying to scam people out of money they've already settled or paid in full. I was a victim of a credit card opened in my name, therefore it was identity theft, but I had to pay the settlement with HSBC to get off my credit report which was cheaper than hiring an attorney. I'm seeking someone to put an end to this company preying on the innocent and debt free with old information just to line their pockets with money. If HSBC can help that would be great.
Product: Credit reporting

I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as the Equifax. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opened XX/XX/XXXX XXXX XXXX # XXXX  Opened XX/XX/XXXX *Fraudulent Account THESE ACCOUNTS DOES NOT BELONG TO ME THIS IS FRAUD
Product: Debt collection

as of today i have not recieve any documentation of evidence validating the existence or legitimacy of the alleged debt, therefore, THIS NOT MY ACCOUNT
Product: Credit reporting or other personal consumer reports

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX.
Product: Debt collection

CMRE Financial Debt Collector called for 2nd time via a recording that a debt is owed, and if not paid, legal actions will be taken against me. The case number they stated is : XXXX. They said their website is : XXXX
Product: Debt collection

No contract with Credit Systems INTL IN. I do not owe this debt.
Product: Checking or savings account

I try to cash out on   XXXX   XXXX   but it says that my back has n't updated i n 8 week s, not sure why. I went over everything 3 times just to make sure it was correctorthay everything was filled out so I do n't understand what 's going on. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to pay no mind at a consumer 's requests despite 15 dispute letters written to request the removal of the disputed fraudulent information from my Credit report. I have read the Credit Buirueas are bound to comply with the FCRA section 605b and verify the authenticity of the disputed accounts per consumer 's requests. But in my case, The Credit Bureaus have done nothing! Neither they respondead to my letter nor completely removed the disputed items from my Credit report! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. If the Credit Bureaus still indicate the disputed items on my Crediet report for the next update, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

Costco switched credit card providers from XXXX XXXX to Citi Bank ( Costco Anywhere Visa ). This transition happened in XXXX of 2016. My first bill from Citi was for {$1000.00} with no detail of the transactions. I called Citi SEVERAL times in XXXX and XXXX and they said they were NOT able to provide any detail but I needed to pay this bill to keep my account current. I did use this card for a few transactions in XXXX and XXXX but destroyed the card once I realized that Citi Bank was a really bad vendor. Citi Bank proceeded to send me the same initial statement for {$1000.00} in XXXX and XXXX On XXXX I got a new bill for about {$1600.00} but again no detail of the transaction. 

I have called Citi at least 15 times to try and resolve this and the customer service is totally inept to help me. I have sent the company XXXX letters saying that I disputed this charge and they respond with a form letter saying I should contact them about paying my delinquent account. Now they are saying they are going to put may account into collections and I am delinquent. 
I have never not paid a bill or been late on a payment. I feel that Citi Bank has been very heavy handed in saying that they can not provide any details about my the bill but I need to make a payment to keep my account from going to collections.
Product: Checking or savings account

I have been a loyal customer with Truist ( formerly BB & T ) Bank for over 20 Years. 2023 was an exceptionally rough year financially for me but Truist capitalized off of my unfortunate situation. Below are the dates that overdraft fees were taken from my account in 2023. 
OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} OVERDRAFT FEE - XX/XX/2023 - {$36.00} These total {$750.00}. I did not expect a full refund but did reach out to ask if a portion of the aforementioned overdraft fees could be refunded and was told I was allowed XXXX overdraft fee credit of {$36.00}. I will be switching banks within the next few months as there are so many " fee-free '' banks out there. This is beyond frustrating and honestly shows such lack of care.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax, XXXX, and XXXX  for this inaccurate account that I found shockingly showing on my credit report. XXXX could not verify the account with the third party collector to be valid so they removed the item. Equifax and XXXX  responded that they verified the account and all of it's information as 100 % accurate, 100 % timely100 % verifiable, and fair based on the FCRA. I also contacted the collector at the same time directly to ask for validation of the debt per section 809 of the FDCPA and to date have not received any literature or correspondence back from XXXX the collection agency as well and it is not XX/XX/XXXX. That's well over the 30 days for validation by a collector. How is it that XXXX could not verify the debt and I can not get the debt validated by the actual collection agency XXXX but Equifax, and XXXX claim they did a honest investigation and found the debt as verified on all level of compliance according to the FCRA.
Product: Mortgage

RoundPoint Mortgage is the loan servicer for my mortgage. On XXXX my mortgage payment was not automatically deducted from my bank account as it usually is so I was concerned something was wrong. I checked online and my account said my lon was paid off when clearly I did not pay it off. I contacted RoundPoint and they said that my loan was going to get sold to another bank XXXXXXXX XXXX XXXX but that the deal fell through so they would fix it. However, in the process I learned they had my address wrong ( this is my biggest complaint ). They incorrectly inputted my address using half of my old address and half of my new address. Today I learned that the sale did go through to another servicer. 

This caused me to not to be able to receive any notification from RoundPoint about my loan change and also recieve information from my new loan servicer about my new account. As a result I could have went into foreclosure due to this issue because no payments on my loan would have been made unless I actively pursued the issue. 

Its resolved now but my complaint is incredibly poor service from RoundPoint that if happened to another person may have resulted in an improper foreclosure or default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the account which do not belong to me or were opened without my permission : XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$760.00}.
Product: Debt collection

On or about XXXX, 2016 I noticed that a XXXX XXXX 's XXXX bill had appeared on my XXXX credit file. I requested that this company validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now IC Systems collection is coming after me. I have continued to request that they validate this debt and they continue to allow this to report on my credit file.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Paid-Off Account from Credit Report I am writing to request the removal of a previously paid-off account from my credit report. The account in question appears on my credit report dated XX/XX/XXXX last updated XX/XX/XXXX, and the details are as follows : Creditor/Company Name : EXETER FINANCE Date of Last Activity : XX/XX/XXXX Current Status : PAID
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been charged with borrowing money from the Lending Club on 3 separate occasions, and I haven't borrowed from them on any occasion. 

First Loan {$8000.00} Opened XXXX XXXX Closed XXXX XXXX Paid as Promised 2nd Loan XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Paid as Promised 3rd Loan XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Charge Off I've explained in 2 letters that none of the accounts belong to me, I've ask them to send me proof of ownership, and they have not answered any of my letters, They have sold the account to two other companies since then, I've ask them for the same information and they refuse to answer my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I deposited a check for {$75000.00} on XX/XX/23 at a Bank of America branch. The teller handed me a paper afterwards stating that {$5300.00} of it would be available XX/XX/23 @ XXXX local time and then that {$69000.00} would available XX/XX/23 @ XXXX local time. I expressed immediately how there was a {$220.00} difference and she said she wasnt sure why that was and couldnt figure it out but to wait. 

The next day XX/XX/23 I get an email stating that the entire amount now {$75000.00} was to be placed on hold until XX/XX/23. At that point I was told that they were reviewing the funds. 

So this morning XX/XX/23 I wake up to an email stating that the funds are now being held until XX/XX/23. I explained to them that the funds had cleared the other account. 

This issue has caused my account to go negative. Not allowing me to purchase the vehicle I signed for and get to work which will cause me to lose my job. This is absolutely a string of false information and negligence on their part.
Product: Mortgage

I have waiting to see if Wells Fargo has included me as part of the CFPB as I definitely should be included. I called Wells Fargo on XX/XX/XXXX when I hadn't received anything from them. No one would even attempt to look at my records. I was only given a genetic answer that they are still working on cases and they will be in contact with me. 

In XXXX Wells Fargo refused to consider any type of modification of my loan because they provided me a 3 month modification in XXXX. All payment requirements were met in XXXX and I was making regular monthly mortgage payments until XX/XX/XXXX. 
In XX/XX/XXXX my husband was injured and unable to continue working. He applied for XXXX payments. He finally began receiving monthly payments in XXXX. 
I requested XXXX consideration in XX/XX/XXXX which was denied in XX/XX/XXXX because Wells Fargo decided the 31 % income requirements were met. A second HAMP filed in XX/XX/XXXX was denied in XX/XX/XXXX. 
During this time I worked diligently with a mortgage workout counselor through a local agency and was reassured there would be no problem in qualifying for assistance through Wells Fargo because I met all the requirements. 
I worked closely with Wells Fargo and provided them any and all documents needed and attended and completed credit counseling. Every time I contacted them I was assured they were processing my case. It took nearly 2 YEARS for them to turn around and tell me I didn't meet the requirements because of the 3 month trial modification I completed 5 years previously. I will never understand why they gave me false hope and led my credit counselor and I on for 2 years thinking all was good and my request would be honored. 
I would appreciate a good long look at my case. There is no doubt Wells Fargo mistreated me and I should be included in the CFPB suit if I'm not already.
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 consumter rights to privacy and confidentiality under 15 USC 1681. Account-XXXX XXXXXXXX # XXXX Account- XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX has violated my rights. I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( 2 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.