23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased my home in XX/XX/XXXX. The seller of the property XXXX XXXX is also a realtor and he ended up serving as our lender for this mortgage loan. The title and escrow was handled by Title Security Agency of Arizona. I was extremely surprised that no appraisal was conducted, but we thought the house was a good deal. Once we began making mortgage payments we were surprised that the company that collected the mortgage payments was also Title Security Agency of Arizona. Additionally they disbursed the property taxes and insurance from our escrow account. I felt at that time there may be some type of conflict of interest here. In XX/XX/XXXX I was laid off from my job working on the XXXX due to the XXXX. I had some money saved and was able to make the payments for several months while I tried to find new work but eventually the money ran out and I defaulted on the loan. I immediately reached out to XXXX XXXX to tell him what had happened and see if anything could be worked out in relation to the loan. He was non-responsive. I missed a couple more payments and was then contacted by XXXX Attorney XXXX XXXX. He demanded full reinstatement of the late payments, along with some exorbitant and questionable late fees and legal fees. By this time I had found work again as a XXXX and was able to resume making regular payments and tried to get XXXX XXXX to work with me. Once again, I was obstructed by XXXX XXXX, who stated that all communication must go through him. He told me there were no options other than full reinstatement. 

I am now facing a foreclosure sale date. This is an avoidable foreclosure, as we make sufficient money to afford the payment -- at issue is the few payments I missed while out of work, and the refusal of XXXX XXXX to accept any money from me unless I am paying back every cent they claim I owe. I began looking into the loan and the situation and I have some serious concerns. 

As I recall XXXX XXXX served as the realtor on this loan as well as the owner of the property and the mortgage lender. I believe that may be a problem relating to his fiduciary responsibility to me as the buyer of the home. His preferred title company, Title Security Agency handled the title and escrow for the loan and are now also servicing this same loan. I believe there are serious conflict of interest issues here. I also believe that there may be RESPA violations relating to kickbacks and referrals of business that I feel should be investigated. I also believe that XXXX XXXX and his Attorney XXXX XXXX have violated Arizona foreclosure protocol, by denying me access to ANY POSSIBLE OPTIONS to retain my home, or offering the possibility of mediation. I believe there are serious concerns with the business practices of the parties involved in this loan and am filing this complaint to alert your organization to take a deeper look. I am curious as to how Title Security Agency was able to insure the title for this property without having an appraisal completed. I have gotten the feeling that XXXX XXXX feels that since he is a private lender that he is not subject to any type of scrutiny or regulation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a formal dispute to Equifax regarding inaccuracies and fraudulent accounts appearing on my credit report. These accounts are a result of my personal information being compromised in a data breach. 

I provided a detailed explanation of the breach, along with the following supporting documents : Affidavit of Identity Theft, Proof of Address, Copy of My Drivers License, Social Security Number Verification, Documentation of the Data Breach Incident Despite providing this evidence, I am concerned that the accounts in question may not have been properly investigated or verified as required under the Fair Credit Reporting Act ( FCRA ).

Which is a Violation of my Consumer Rights : Equifax has a legal obligation to : XXXX. Conduct a reasonable investigation when a dispute is submitted. 
XXXX. Verify all disputed accounts with original creditors or delete them if they can not be verified. 
XXXX. Ensure the accuracy of all information included in my credit report. 

Failure to fulfill these obligations puts me at risk of further harm, both financially and personally. 

The accounts in question, as listed on my Equifax credit report, are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : I request the following actions : A thorough investigation into the disputed accounts and removal of any fraudulent or inaccurate information. 
Written confirmation that each account has been fully verified and validated.

Immediate compliance with FCRA guidelines to ensure my consumer rights are protected.

Thank you for your attention to this urgent matter. I expect a timely resolution to prevent further damage caused by this breach.
Product: Vehicle loan or lease

I was a former customer of XXXX XXXX XXXX  XXXX XXXX, Nevada located at XXXX XXXX XXXX XXXX XXXX. I am XXXX years old and this dealership has done business with me in the past, but i never had an issue with a purchase. A sales man name XXXX XXXX of that dealership and i was pushed into a car i did not want. I was told i was getting a much cheaper vehicle than the one i was pushed into. I was told to take the car but my reply was i have to think about it, and 3 days later i show up and i was pulled into the managers office and was approved for a loan i didn't understand being told by XXXX XXXX, and this so called manager of the dealership. 

This what i believe to be, Predatory lending which targeted me and other minorities, the poor, the elderly and the less educated. Seeing that i was denial 5 times by other lenders including my own bank at XXXX XXXX I was rushed to sign the paperwork with promises that i will have a low car payment and was told by XXXX XXXX that because i worked for XXXX i can make my car payment in one week. Which is not true, I'm XXXX   year and can not move like a XXXX-year-old kid anymore. 

When i received the car and 3 days later after having the vehicle in my possession i did not want this car and i wanted my trade-in vehicle back plus my {$3000.00} cash that came from my savings. 
Then they made me sign a document for an additional payment of {$23.00} for repair if the car breaks down this will cover all cost, but it wont change my oil or wipers. 

Now i have 15 days as per the Nevada DMV to get my trade in back. 
and this is what the website states at https : //dmvnv.com/regdealer.htm *Trade-In or Sale to a Dealer* If you are trading in a vehicle or selling one to a Nevada dealer, the dealer is required to satisfy any loan or lien within 30 days. Other states have similar laws but be sure to ask an out-of-state dealer when the lien will be satisfied. The dealer may have you sign a Power of Attorney or similar document if you do not have the title. 

Nevada dealers are required to keep your trade-in until the financing on your new vehicle is finalized ( up to 15 days ). They must return your trade-in if they offer you different financing terms and you decline to accept the new contract. 

Keep your license plates. These must be used on another vehicle or surrendered within 30 days. You will be issued a credit for the unused portion of the current registration. 
This is unfair to an XXXX year old man.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the inaccurate and unverifiable reporting of the XXXX XXXX account ( XXXX ) on my credit report. Over 30 days ago, I sent a dispute letter to XXXX XXXX , which was dated and time-stamped, informing them that they were reporting inconsistent and inaccurate information. To date, I have not received a response or any form of validation of the reported data. 

The Fair Credit Reporting Act ( FCRA ) requires that all information reported to credit bureaus must be accurate, verifiable, and consistent across all reporting agencies. However, this account contains multiple discrepancies, including : Varying Date Last Active ( DLA ) across bureaus, which suggests re-aging of the account. Contradictory reporting of late payments, charge-offs, and " OK '' notations across Experian, XXXX, and XXXX. Inconsistent balance amounts, reporting dates, and application of interest. Since the furnisher has failed to provide proper validation of the account and continues to report misleading and inconsistent information, Experian is required under the FCRA to delete this account from my credit report. I have attached supporting documentation that highlights these discrepancies. 

I demand that this account be immediately removed from my credit file, and I request written confirmation of its deletion within 14 days. Failure to correct this matter will result in further action to enforce my consumer rights.
Product: Mortgage

We periodically had problems paying our XXXX mortgage to Flagstar Bankin the past. This time we were behind by around 5 months. When they would call us, we would return the call only to be transferred to other areas, put on hold and noone actually answering the call. When I was able to pay on it, Flagstar refused to take our payment ( s ) if we were not making at least XXXX payments at a time. So we started mailing our payments in using postal money orders. Then our access to our account online was totally disabled by Flagstar. We were no longer able to see the activity on the acount. all we saw was a message that said our mortgage had been sold to another servicer, and that the new servicer would be contacting us via letter. That was over three to four months ago and we still have not heard anything. And nobody from Flagstar will communicate with us. 

This is not the first unpleasant incident we have had with Flagstar Bank. They were the originators of our mortgage when we purchased our home. The interest rate on XXXX the XXXX and XXXX mortgage was high, but manageable. I notified them when my wife took ill and they suggested a modification and told us we had to be at least 90 days past due to be eligible. We did as they suggested only to have our paperwork lost. We re-submitted and heard nothing. Then we found out our XXXX mortgage had been sold to another institution. So now they only held our XXXX mortgage ( which to our surprise was actually a home equity loan ). As time went by we proceded to try and get the mortgage they held modified. We complied with all of their requests, and again, paperwork was lost or deemed incomplete. So I sent an additional copy only to have one of their employees send an email to her manager that had unprofessional remarks about our attempt to get a modification ( yes, she inadvertently cc 'd us on the email ). When I responded to both her and her manager about my displeasure of the contents in the email, the manager immediately replied to us with a favorable reduction in the interest rate along with a change in the repayment terms from being amortized over 30 years and monthly payments for fifteen years with a balloon payment at the end of the fifteen years, to a loan amortized over 20 years that pays off the entire loan in that time frame. 

It has been months since we have heard from them. And we still have no idea where our loan is.
Product: Credit reporting or other personal consumer reports

I try getting my credit report but since I have never used it is not letting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : Contacted cardmember service at ELAN with the number provided on my credit report. They passed me to " XXXX '' She does not see any card number associated in their card services department. They handle companies like, " XXXX XXXX XXXX XXXX She does not have record of a card number in my name or my social. Please remove this from my credit report. Here is the info on my XXXX Credit Report today : -- -- -- -- -- -- -- -- -- -- -- - ELAN FINL SVCS This account is currently under dispute under dispute Account info Account name ELAN FINL SVCS Also known as ELAN FINANCIAL SERVICE Account number XXXX Account type Credit Card Responsibility Authorized user Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$14000.00} Balance updated XX/XX/XXXX Recent payment {$47000.00} Monthly payment {$42.00} Credit limit {$25000.00} Highest balance {$18000.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Additional info Between XXXX XXXX and XX/XX/XXXX, your credit limit/high balance was {$25000.00} Contact info : Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Mortgage

We have a mortgage with Ocwen that matured XX/XX/XXXX. Ocwen notified us that we still had {$29000.00} of unpaid principal. We disagreed with that amount. Ocwen would not budge. We hired a firm called XXXXto handle an arbitration to either reduced that amount or the 10 % interest rate.This was XX/XX/XXXX. We paid {$2700.00} although we were told ito retain them was {$1700.00}. They assured us that they could take care of it before the maturity date. They didnt. And we were billed an additional {$500.00} twice. Now I cant get them on the phone. I have email, text, fax with no response. Can you help us. I dont know whether to file bankruptcy or go back to Ocwen. My husband is on XXXX, I have XXXX  and XXXX and this need to be taken care of. I dont know what to do.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. I havent been allowed into my account since Im not sure how long
Product: Money transfer, virtual currency, or money service

In the middle of XXXX I requested to update my XXXX name on WePay, which is a third party payment provider for my XXXX website. I prematurely did so because I was unaware that I had to send in the approved documents from the state to the IRS. Once I realized this, I went back into WePay, requesting to change back to my original business name so that they can release over {$25000.00} of my sales that they have been withholding since XX/XX/XXXX. There is no direct customer service - So Ive got a escalation number and have been talking with someone but they have to email back and forth with the trust and safety team. I uploaded all the proper documentation that matches the information was previously registered under. We have using WePay since XXXX & they have sent over {$1.00} XXXX dollars in sales since then. Now they keep resetting my information and will not accept or verify my documents & There is no one I can talk to directly that can tell me what the real issue is. My business is on the verge of collapse. I could not process payroll this week, I had to tell my staff that we can work next week & Ive had to tell all my suppliers to not cash any checks. I cant do anything, Im basically about to lose a XXXX - XXXX XXXX XXXX  due to poor customer service and direct answers from WePay. Ive gone to bank branches, Ive talked to everyone I possibly could and have sent in countless emails with all the documentation & information needed for them to release my funds and due to their incompetence they are still holding all my money & keep resetting my business information instead of reviewing it and approving it like it has been for the past 3 years.
Product: Mortgage

My home loan was sold from XXXX XXXX XXXX and transferred to Rushmore Loan Management as of XX/XX/XXXX. I was previously charged for home owners insurance from XXXX {$3600.00} and I had to file a complaint with the Attorney General Office of MA to receive a refund from XXXX before my home loan was transferred. I received a letter from Rushmore and spoke to them over the phone that I have already purchased coverage. They asked for me or my agent to send a copy. XXXX XXXX XXXX called Rushmore and sent a copy of my home owner insurance on XX/XX/XXXX to show proof there was coverage for my house. In XX/XX/XXXX I was charged {$3600.00} for insurance again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian credit bureau a 609 letter to validate the incorrect account that is being reported on my credit report. This was on XX/XX/XXXX, and I have yet to receive a response back in regards to the matter. The following accounts follows ; 1.The following account is not mine XXXX {$6600.00} 2. The following account is not mine XXXX {$5300.00} 3. The following account is not mine XXXX {$550.00} 4. The following account is not mine XXXX XXXX {$78.00} 5. The following account is not mine XXXX  {$13000.00} 6. The following Inquiry is not mine XXXX XXXX  Date of Inquiry : XX/XX/XXXX A 30 day demand to comply letter was also sent to the Credit Bureau as well. Please see attached documents.
Product: Debt collection

I requested a letter of validation on XX/XX/XXXX from a woman at Oliphant USA after reviewing my credit report. She just said she would let the company know and hung up. I then called back on XX/XX/XXXX because I received a letter stating to pay the debt or call or write a letter dispute the debt by XX/XX/XXXX. I called and spoke to gentleman and requested a letter of validation, a signed copy of my signature on the contract of the debt, a copy of an agreement of when the debt was sold and all the gentleman said was that I needed to contact the post office because they sent several letters. The first time speaking to this company was XX/XX/XXXX and I never received any communication from them before that date. After I requested the documents again from this gentleman, he stated that I wasnt letting him talk and he hung up the phone. This is a tactic to prevent the company from sending the necessary documents to prevent me from disputing the debt and getting the information of the original creditor within the allotted time. It is my right to get this information to verify if this is truly my debt.
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 I # 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: 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 : DISCOVER BANK # 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: Money transfer, virtual currency, or money service

On XXXX I made a payment to XXXX XXXX for the amount of {$4600.00} through Wise money transfer services. Immediately after I sent the money, I realized it was sent to the wrong recipient with different name and different registered address than the ones I provided to Wise. I immediately contacted Wise by phone on the same day ( less than 30 minutes after transaction was completed ) and was told by the representative that she could not do anything at this point and would escalate it to another department and they will call me back as soon as possible. I then on the same day contacted my bank, XXXX, and let them know that that particularly transaction was erroneous and they should not approve the transfer. XXXX then told me they could not see any transaction as of that point and for me to wait until they can see the transaction. I called Wise again on XXXX and was told that they'd try to contact the wrong recipient and that I should wait another 15 days and there's no guarantee that I'd get my money back! At this point, I asked them why the transaction was able to go through when the entire name and address of the intended recipient did not match with the one they sent the money to, and all they said was it was for other purposes. There are no warnings or disclaimers that are visible at time of transfer that state " your money will go through regardless of names or address of the intended recipient ''. All they could provide me through numerous emails was that they tried to reach out to the recipient by email and that they have not returned the money. I contacted my bank on XXXX as I knew at that point that Wise was not taking the appropriate steps to help me and asked my bank to intervene. I told my bank that the money was sent to the wrong recipient and asked them to pull back the money. As I do not know who that person is or have any business with them. XXXX was able to cancel the payment since it was still a pending transaction from my account. I was really happy that they came to my rescue. Fast forward to now, I've been getting constant emails from Wise asking me to pay back the money because my bank had canceled the erroneous transfer and asked me to pay them since they already sent the money to the other person ( the wrong recipient ). I told them since they failed to do enough security checks and sent the money without any safety measures or protection for me, it is their responsibility to recover that money. They told me I have to pay them and recover the money by taking legal steps against the wrong recipient that refused to return the money. I do not know anything about this person, and at this point, it is not my money that is in their bank account, it is Wise 's money, and they should be able to take further legal actions if this person refuses to return the money that does not belong to them. However, Wise is refusing to listen and be reasonable and keep harassing me with constant emails threatening to send me to collection and further legal actions against me. I am in desperate need of help from the bureau to intervene as this is unacceptable business practice.