23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX XXXX. I opened a checking account with the U.S. Bank and deposited of {$15000.00} on XX/XX/. When I opened my account, I did not include " XXXX '' as part of my middle name as I remember it shows optional on the registration form online. My account with the U.S. Bank is under XXXX XXXX. The U.S. bank closed my account on XXXXXXXX  and sent me a letter explaining that they believe the account was opened with someone's else name and personal information. My fund of {$15000.00} is now being held indefinitely by the U.S. Bank on their hold over account. The fund was deposited using my XXXX XXXX account which is also under my name. I have since spoke to them twice about the account with their Customer authentication and Fraud Experience ( CAFE ) Department who originally sent me the letter about the closure of my account. On the first encounter on 07//21//2023, I spoke to XXXXXXXX. She mentioned that the fund is being held because they can not verify the identity of the account until I sent them the copy of my Driver 's license and Social security number to their email provided which is XXXX and she provided me the reference number for it XXXX. I sent them both of documents requested through email. Today on XXXX, I called the CAFE department again to ask about the status of my fund, the first customer service said they could not find anything about the fund being released, so I asked to speak with the higher up person. I spoke to XXXX XXXX from the CAFE department of the U.S. bank and she now mentioned that the fund will be held indefinitely because they can not verify the account. I asked her what I can do to show that the account belongs to me, and she said there is nothing else she can do to release the fund. I have provided all the documentations needed to show that the account belongs to me. I even provided the copy of social security number which is the same I used to open the account. My driver 's license shows my correct address and date of birth. I really needs help to have my fund released. I can provide all the documents needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I disputed a debt of $ {$1400.00} with the three credit bureaus asking Ability Recovery Service to verify the debt by providing an original signed contract. They did not respond within the 30 days deadline but claim the debt is verified with all 3 credit bureaus. According to 15 USC 1681i ( a ), the agencies are in violation of my rights. In addition, XXXX was reporting a social security number that does not belong to me.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX  - Address : XXXX XXXX XXXX, UT XXXX Complaint : I am submitting this complaint to request the deletion of the XXXX late payments reported on my credit report for the XXXX  account ( Account # : XXXX ). These late payments are inaccurate and are causing harm to my credit score.

I request that the CFPB take immediate action to mandate the deletion of these late payments and update my account status to current.

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires
that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.
Product: Credit reporting or other personal consumer reports

This account is over 7 yrs old. This account is not listed on XXXX or XXXX. I didn't approve for Exeter Finance to sell my loan. Due to these violations, I will seek legal compensation in the amount of {$3000.00} per each violation. Remove this account XXXX Immediately and instruct XXXX XXXX to do the same
Product: Debt collection

I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal TransUnion credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
Product: Mortgage

Parties : Ocwen LLC and XXXX XXXX XXXX. 
Jurisdiction : California Issue : Ocwen/XXXX XXXX cancelled my HAMP modification agreement, a program regulated by the U.S. Treasury and HUD that expired in XX/XX/2016. 
************* Background : I applied for a HAMP Loan Modification in XX/XX/2016. 
Ocwen approved my application and sent the HAMP Agreement for signature after I had met the required trial payments. I signed and returned the Agreement to Ocwen in their own postage-paid envelope, completing the HAMP modification process. 

I made 3 additional monthly payments on my modified mortgage. Then in XX/XX/2016 Ocwen cancelled the HAMP Agreement citing bogus reasons that they had not received the signed agreement. I sent them my copy of the signed agreement but Ocwen refused to recognize we had concluded a contractual performance and had a binding agreement. 

Ocwen then refused to apply the 3 mortgage payments to my account that were made post the modification period and suspended those payments into a " Suspense account ''. Ocwen also refused to accept any subsequent mortgage payments and began foreclosure on my property. 

In conclusion : I applied to the HAMP program and Ocwen offered to modify the loan, I accepted the terms of the modification and made the required trial payments timely ; Ocwen accepted and received the trial payments and credited my account. Ocwen sent a written HAMP agreement for my signature and I signed it and returned it in their own envelope as instructed. We had an offer, consideration, acceptance and performance of the terms of the HAMP modification. 

Ocwen sent a letter dated XX/XX/2016 stating that the modification had been " Denied '' the use of this language is inapplicable because the modification had been accepted and fully performed and the event had concluded and therefore it could not be " Denied '' after all the terms had been performed timely and accepted by Ocwen and myself. The letter used the term " Denied '' to communicate that they were CANCELLING the HAMP contract. 

Ocwen continued to misapply language by using term " Denied '' and did not answer the question that their actions may have breached a HAMP contract. The terminology Ocwen uses hides the existence of the binding HAMP Agreement. Ocwen has not corrected this problem and has not stopped foreclosure proceedings on my property ; if they succeed in foreclosing they would by fraud be civil theft as I have more than 50 % of the mortgage is paid on my the home. 

Ocwen and XXXX XXXX have a prior history of these actions ; under the then Attorney General of CA, the Honorable XXXX XXXX, they were suspended from doing business in California. 

Ocwen and XXXX XXXX and XXXXXXXX XXXX XXXX  conduct of wrongdoing has caused me substantial economic harm and put the welfare of my family in jeopardy.
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. 
Account name : XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : 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: Credit reporting

There is a hard inquiry on my credit report which I did n't authorize. The inquiry appears XXXX and is from a company called XXXX XXXX XXXX, XXXX. I was told inquiries can only be removed from the company who placed them on the report. I called XXXX XXXX XXXX , XXXX and was told they pulled the report for XXXX XXXX XXXX. I have a document which indicates this was for an application for a Home Loan. I never applied for a home loan. The application does n't have my signature and is not dated.
Product: Mortgage

At settlement we, the sellers, were given a Payoff Statement and under 'Quote Detail ' there was Unpaid Principal, Interest Due, and " Fees Billed of '' {$5900.00}. We asked the company, Mr. Cooper, for a breakdown of those fees. They said it would take 2 weeks. I told them that one of their girls said she would have it in 48 hours. That was a week ago. That never materialized. In that " Fees Billed of '' we believe is a fee for XXXX ( 3rd party co. for Mr. Cooper ) for {$1500.00}. Mr. Cooper was supposed to register our property with our town when we got the mortgage 3 and a half years ago but they failed to do their due diligence and our property was tagged as a vacant lot by XXXX. We were anything but a vacant property. ( 4 bedroom house with a barbershop and a parking lot ). Several people I talked to at Cooper gave me different answers to the same questions. We are very suspicious of Cooper and believe they are trying to buy time to finagle the numbers. Even our title insurance co. is being very vague about the breakdown of fees. Honest Title Ins. was supposed to be working for us I presumed Apparently they are considering suing us because Cooper and XXXX XXXX worked out a deal where Cooper paid XXXX  's fees so they could turn around and sue us. For what? I'm not sure.
Product: Mortgage

I had an insurance claim incident at my home and went through the process of making the claim and having the money sent to my mortgage company ( XXXX XXXX ) having them inspect the property after repairs were made, finally getting the funds back to pay the contractors and put the whole incident behind me. A small check of about 1 % of the total claim was paid separately and again submitted to XXXX XXXX in mis XXXX. XXXX XXXX has since sold the mortgage to LoanCare who is holding this check. I have provided all contact info of past mortgage company, insurance adjustor and contractors to LoanCare and they are still not releasing the funds or sending another inspector out to the house claiming they need more information and release of liens from contractors which my contractors said that they have provided. Do some work yourself LoanCare and stop holding peoples $ $ you are scammers.
Product: Credit card

While shopping for a new vehicle, my credit report was ran and I found a credit card was opened in my name in XXXXXXXX XXXX XXXX  This was a ALLY bank general use card and it appears they used my correct name with an address out of Arizona to commit this fraud. 
In early XXXX I blocked my social security number due to criminals attempting to get money out of my bank accounts so not sure how ALLY allowed this card to be issued. I did not authorize anyone to open a card in my name and I know no one in Arizona. 
The account has been closed however there is currently {$1500.00} or so due
Product: Debt collection

Hey, I do not know where this account has come from. The account was opened XX/XX/2015 for an amount of {$71.00}. I have tried to contact the the creditor but there is not an efficient phone number to actually get a hold of someone to talk to about this.
Product: Mortgage

In late XXXX of this year I received a letter from Shellpoint dated XX/XX/XXXX that states : The lender-placed insurance we purchased for your property is cancelled effective XX/XX/XXXX for one of the reasons stated below : Adequate insurance coverage was provided. If this cancellation results in a lapse of coverage, you may be charged an additional premium. fI there was no lapse in coverage, you will not be billed or the amount previously paid will be returned to your account in full.

Your mortgage loan is paid in full. Please note that you no longer have insurance coverage through Shellpoint Mortgage Servicing. Please contact your insurance agent and obtain a policy to protect your interest. Servicing of your mortgage was transferred to anoth
er lender. Please contact your new servicer as they will be placing coverage with their carrier to protect your mutual interest.

Being that the other 2 were not true and that I have received a letter like this in the past, I knew that the first option must be true. 

However, I never bought or submitted a new policy so I went on the site to see what was in place. What was listed was a policy for XXXX XXXX with a coverage of {$350000.00} amount purchased for {$1.00} with a due date of XX/XX/XXXX. 

XXXX XXXX {$350000.00} {$1.00} XX/XX/XXXX These numbers are not typos
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XX/XX/2022. I have accounts on my report that I don't recognize but they still havent removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
Product: Credit card

I am an Amazon Store Card holder. This card is available for exclusive use on Amazon purchases only. Synchrony Bank is the financial institution that manages that credit line. The Amazon Store Card offers 5 % credit back to your monthly statements for qualifying purchases on Amazon. I was recently reviewing my statements and noted that I had not received a single 5 % credit on any statement in 2016. However, I did make qualifying purchases using the card. I called Synchrony Bank, and " they are looking into it, and will provide updates in XXXX billing cycles ''. I believe that they will make the appropriate corrections, but am concerned that many other consumers may, unknowingly, not be receiving their 5 % credit to their statements. It remains to be seen if they will correct my statements in a reasonable amount of time.
Product: Money transfer, virtual currency, or money service

Chime institution keeps denying my claim for the amount {$990.00} and they have proof that I had no knowledge of a transaction that occurred on XXXX XXXX for the amount of {$990.00}. I sent them XXXX XXXX statements directly from XXXX & even a message where I replied 'no ' when asked if I was the XXXX trying to make the transaction and somehow it still went through ( not on my wallet, someone used my debit card info and took money ) so I proceeded to provide them statements from my XXXX XXXX because that's what I was asked for so I contacted XXXX and got them the documents and it clearly shows that those transactions do not show up on my account. Somehow I keep getting denied with all then proof in the world. I've had my chime account open for months but never used it and they now just told me that there was plenty of failed transactions for XXXX when I was not active so I don't know what other pro they need.
Product: Prepaid card

I tried to make a purchase at a gas station for gas, got declined, checked online for balance and it showed pending gas station charge eventhough on the pad it said declined and embarrassed me in front of everyone when I tried and failed a second time. 

Called amex and they said wait a few days and itll be fine and I can use it. Checked a few days later and pending transaction was gone but I tried to use it for XXXX and it failed. Soon after that now website for amex card is saying unexpected error and wont let me check balance. 

I just want my {$25.00} at this point this is ridiculous. I dont want this giftcard I want cash in hand.
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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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: Credit reporting, credit repair services, or other personal consumer reports

I signed a contract with freedom debt relief in XX/XX/XXXX. By XX/XX/XXXX I have deposited all required amounts into my account to pay off the settlements FDR had negotiated for me with my creditors. I was told by their employee the next week that everything would be payed off and that the only way to stop the bi-weekly deposits to them that were no longer needed was to put a stop payment on my bank account for them. I was told it wouldnt affect my contract and paying things off. 

After a month of no movement, I called and was escalated to a XXXX XXXX who told me their employee has misinformed me ( read : lied to me ) and that until I took the stop payment off of my account that they would not be able to proceed with negotiating lump sums and closing these accounts. 

Freedom debt relief is holding my credit score and future hostage and they continue to lie and no deliver on promises. In a week and  a half, we will be 3 months out from when their employee first lied to me and my account still hasnt been settled and closed. And XXXX XXXX, supervisor, kept refusing to acknowledge that I was outright lied to and it affected my life. She just kept saying sorry you were misinformed.
Product: Checking or savings account

I attempted to deposit a total of {$7300.00} into an ATM machine at B of A. The machine had counted around {$3300.00} of the total amount and then asked if Id like to deposit more. I opted to deposit more as I needed to deposit the remaining {$4000.00}. I placed that {$4000.00} into the atm and while in the process of counting, the atm went black and shut itself off. None of the money was deposited into my account. I spoke with the bank manager and also called the phone number on the atm machine. The customer service agent told me Id have my money back in two days. It has already been a week.
Product: Credit reporting or other personal consumer reports

My Information was stolen during XXXX data breach and XXXX XXXX XXXX XXXX It has affected my livelihood and altered my credit score drastically. I'm unable to live because this has destroyed my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Freedom Debt Relief Crossroads Financial Federal Trade Commission Consumer Financial Protection Bureau Attorney General of New York, California, and Arizona Bar Association of New York, California, and Arizona XXXX XXXX XXXX To whom it may concern : My wife and I entered into the Freedom Debt Relief Program on XX/XX/XXXX current on all debts and financial obligations with the promise and guarantee to save us money at end of program and out of debt. In the 10 months of the program we going to end up with a much larger debt at end of program and are now exposed to law suits, liabilities, liens and possible garnishing of wages. This was due to extremely misleading debt procedures and actions. Our credit rating and resources have been so devastated this short time that our credit life may never recover from our dealing with Freedom Debt Relief. The quality of our life has severely affected by our plummeting credit rating and residual effect on other credit cards being so limited or now not usable. After more research online and information from financial advisors, we ended the program on XX/XX/XXXX with Freedom Debt Relief. 
We contacted XXXX XXXX at XXXX to get out escrow funds released and was told that it would be a three to five week time period for funds to be released. I was then transferred back to Freedom Debt Relief and after 55 minutes on phone being transferred around for clarification of the time period stated. I was then transferred to XXXX in the resolution department and was told that all funds in the escrow account ( {$3300.00} ) would not be returned and was to go to Freedom Debt Relief for services rendered. 
The following is from the agreement signed by my wife and me : You may terminate this Agreement and  withdraw from your debt resolution program at any time, without any termination fee or other penalty. Upon withdrawal or termination from your debt settlement program, you are entitled to receive all remaining funds in your Dedicated Account Respectively, XXXX and XXXX XXXX
Product: Student loan

I split up the total monthly payment to be paid in 2 -1/2 payments before the due date ( so that I can afford the monthly payment ) they accepted the payments and then showed on my account that I had a past due payment that ended up bringing my credit down ( Im currently trying to buy a house ) For XX/XX/year>2025, total amount {$560.00} was due XX/XX/year>2025 2 payments that were processed : ( 1 ) XX/XX/year>2025 : {$280.00} ( 2 ) XX/XX/scrub>/2025 : {$280.00} Amount showing over due : {$260.00} I called today XX/XX/year>2025 and was on hold for 3 1/2 hours to talk to someone, her name was XXXX and when she finally let me explain the situation, she said oh, somethings not right. I am going to transfer you to someone that will look into it then I was on hold for 7 HOURS! No one answered! This has shown on my credit score and Im panicking because I told her I have no problem paying the amount, its just impossible to do so!!