23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2018 with the guidance of my lawyer Brian McCaffrey I signed a " Triple Net Lease '' where I had to gave up " All my rights  '' I had to pay {$50000.00} for a " Closing '' I had to " Surrender the Deed '', I had to signed a Confession of Judgement for {$240000.00} and still pay {$3500.00} per month to lease a house where I spent over XXXX in order not to be evicted from the house. XXXX XXXX XXXX the bank who purchase the note that has been flipped over by more than five different banks. 
When I went to McCaffrey 's office I was promised that I would keep the Deed in my name provided that I gave {$50000.00} as a " Good Faith Deposit ''. Justice must prevail. A lot of gullible people have been scammed. 
All I am asking is a " Fair Investigation ''. I was discriminated because of my race, I am a " XXXX man ". I was discriminated because of my national origin coming from XXXX. I was discriminated because of my familial status, having a XXXX XXXX   XXXX child in my family. I was discriminated because of my religion, being a XXXX. I was discriminated because of as a family we belong to the protected category.
Product: Credit reporting, credit repair services, or other personal consumer reports

AT THE LAST MONTH I AM CALLING DIALY IN AN ATTEMPT TO GET A HOLD OF A LIVE CUSTOMER SERVICE. BUT UNFORTUNATELY, ALL MY ATTEMPTS WERE UNSUCCESSFUL. I AM ALSO NOT ABLE TO CREATE AN ONLINE ACCOUNT WITH EXPERIAN IN ORDER TO DISPUTE A FEW CREDIT ERROR. 

THANK YOU XXXX XXXX XXXX
Product: Mortgage

I HAVE BEEN TRYING TO WORK WITH MY LENDER FOR A LOAN MODIFICATION/ATTORNEY GENERAL NATIONAL MORTGAGE RELIEF SETTLEMENT. MY LENDER HAS BEEN DELAYING CONSIDERATION OF THE MORTGAGE APPLICATION, " LOSING '' DOCUMENTS, CONSTANTLY REQUIRING ADDITIONAL ITEMS, MAKING ME SUBMIT NEW DOCUMENTS BECAUSE THE ONES ALREADY SUBMITTED ARE TOO OLD ( BECAUSE THE LENDER DRAGGED ITS FEET ), DUAL-TRACKING ( FILING A FORECLOSURE COMPLAINT WHEN A MODIFICATION APPLICATION IS PENDING ). 

Facts, today XXXX/XXXX/2016, I was served a foreclosure complaint from Pacific Union Financial LLC. I attached a copy to my complaint. The foreclosure complaint is dated XXXX/XXXX/2016. Since XXXX XXXX, 2016 I have been working with my lender for a modification. I sent them a complete package and currently my loan is in underwriting since XXXX/XXXX/2016. The foreclosure complaint is premature and should not be issued due to the fact that I am currently working with my lender to receive aa modification. This is Dual-Tracking by Pacific Union Financial , LLC. The document is dated on XXXX/XXXX/2016 and at that time pacific union had an application for mortgage assistance on file. My original application submitted to Pacific union for modification is dated XXXX/XXXX/2016. I have been in contact with them as well sending more documents because they claimed were not received. 

Again, Pacific Union Financial LLC is absolutely in the Wrong for filing a foreclosure complaint while my modification application is pending. Actually, my application has been in underwriting since XXXX/XXXX/16. I originally submitted my application on XXXX/XXXX/16 and been working with my lender the entire time. I request disciplinary action immediately against my lender for DUAL-TRACKING. Please see attached foreclosure complaint! 

This is my second complaint to CFPB against Pacific Union Financial LLC! I have been getting the run around from Pacific Union since my file complaint against them! Pacific Union does n't care about struggling homeowners in default and clearly are trying to foreclose even with a complete modification application PENDING.
Product: Money transfer, virtual currency, or money service

Cashapp claims that XXXX XXXX disputed XXXX transactions or cash apps she sent me totaling {$130.00}. They took that money from my account. XXXX says she has never made any of these disputes.
Product: Mortgage

XX/XX/XXXX - {$1300.00} Payment Posted ( XXXX to Mortgage / Addt {$500.00} to Escrow ... escrow portion never properly credited ). 
XX/XX/XXXX - {$810.00} Payment Posted ( Seems to be system error ) XX/XX/XXXX - ( {$650.00} ) Paid to Hazard Insurance XX/XX/XXXX - {$300.00} Additional Escrow Payment Posted ( credited correctly ) XX/XX/XXXX - ( {$810.00} ) Misapplication Reversal ( to correct system error on XX/XX/XXXX ) XX/XX/XXXX - ( {$500.00} ) Misapplication Reversal ( this should not have occurred ) The original {$500.00} payment to error has not been credited nor has a refund check been sent out. Lender has not accounted for the payment portion nor explained why Misapplication Reversal for that amount happened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just had a background check run for my new employer. I noticed that there is an incorrect address reported that has my name and date of birth associated with it. The dates are XX/XX/XXXXto XX/XX/XXXX in XXXX, TX. I've never lived in Texas and haven't been to the state since a layover there during a trip back in XX/XX/XXXX. Around the time of this reported residence in Texas, I had received a fraud alert on a credit card, and I am wondering if the person that triggered the fraud alert was staying at the residence in Texas, as it is listed as a rental house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/ SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act AFFIRM INC  XXXXXXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX
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 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 my lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's finding 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: 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any inquiries were not authorized. Again, it appears that my credit with you has been compromised, these inquiries being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/2023 to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$950.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$0.00} 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 been using the Wise app for a few months now and things have gone great. The app is now saying they want to close my account on the XXXX of XXXX, and they do not disclose why. They stated I can make an appeal, but then said an appeal is not available to me and I have to write a complaint. This is why I am making this complaint, I do not want my account shut down.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for Chimes MyPay advance for the amount of XXXX however they do not grant the entire XXXX at once. Everyday the borrowing amount is set at either XXXX dollars XXXX dollars and XXXX dollars with a XXXX fee to accept those small advances. So instead of getting the entire XXXX advance they are merely releasing small amounts everyday. Today it's only at XXXX dollars which I can not borrow against ( it must be XXXX ). And I still have XXXX that I was approved for off the XXXX but I have no access to it. They take the entire repayment out of XXXX XXXXXXXX every time and approve me every time for another mypay advance, but again they are only allowing small increments daily at a XXXX per fee. I'm behind on rent because of this. They said there was a technical issue that would be resolved in hours they told me this twice and no resolve.
Product: Checking or savings account

On XX/XX/year> I noticed that with my checking account with Capital One that there were several transactions that I did not recognize.Because there were multiple transactions I called Capital One immediately and they started a dispute and immediately gave me a credit for all the transactions, when they asked me, had I given anyone my pin number I told them no, but I did tell them that I recently got a new XXXX and I noticed that my debit card and my old XXXX was missing which is where I think whoever made these transactions, got all their information from. On XX/XX/XXXX, I transferred some money into my checking account and when I logged in, I noticed that I had a negative balance of XXXX and some dollars and saw that they had already reversed all the transactions. I never received an explanation of why they did not find the dispute in my favor. I did not make these transactions and I should not be responsible for them. Also, when I asked them, should I make a police report? They told me that it was up to me if I wanted to make a police report or not.
Product: Vehicle loan or lease

I, XXXX XXXX, social security ending XXXX, purchased a XXXX   XXXX XXXX, 4 door XXXX with XXXX interior, Vin # XXXX, on XX/XX/XXXX from Owl Automotive Group. The financed it through Owl Auto Finance which is owned by the same man, XXXX XXXX. 

On XX/XX/XXXX, the same vehicle as described above was repossessed by Owl Auto Finance. Approximately a week or two later, I was told that XXXX XXXX, who is manager of Owl Automotive Group and Owl Auto Finance, was jumping up and down bragging while smiling and laughing in the front office in front of customers and staff members saying " ha, ha, I just repossessed my old bosses ex-girlfriend, XXXX XXXX 's car. '' I was also told later that she was telling more people/several customers on different occasions that she repossessed XXXX XXXX 's vehicle! 

I have since later heard this is a third party disclosure for companies that operate in this capacity. I am writing this complaint to you because I do not think this should happen to me or anyone else. I was very embarrassed and this is an extremely private matter. After receiving this complaint, I would please ask that you advise me on actions that I should take and you should take. 

I thank you in advance for your prompt attention in this matter and I look forward to your immediate response. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} ( Original Creditor : ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Navient is terrible. They offered no help, no advice, no point in the right direction for when I first graduated. The same applied for when I lost my job last year. All they told me I could do was forbearance. They offered no alternatives or help. Worse service than the DMV. So that should tell you something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LIVED IN XXXX XXXX NEVADA SINCE XX/XX/XXXX AND THERE IS A MEDICAL ACCOUNT ON MY CREDIT REPORT FRO, ALABAMA FROM XX/XX/XXXX, OR XX/XX/XXXX FROM  XXXX XXXX HOSPITAL IN XXXX, ALABAMA .. THIS S NOT MY DEBT I HAVE BEEN WITH XXXX XXXX XXXX XXXX XXXX CALIFORNIA FOR OVER 4 YEARS. NOR HAVE I BEEN TO ALABAMA OR A HOSPITAL THERE. THIS IS NOT MY DEBT FROM XX/XX/XXXX.PLEASE REMOVE FROM MY CREDIT FILE
Product: Checking or savings account

Gemini XXXX XXXX has unexpectedly restricted me from withdrawing my available funds without providing any explanation. Although my account is fully verified and enabled for transactions, I received an error stating that a review is required before the withdrawal can be processed. I have followed all troubleshooting steps from XXXX website, but the issue remains unresolved. My attempts to reach support have been unsuccessful, as I have been unable to contact a live representative, and multiple support requests have gone unanswered.
Product: Mortgage

Dear Consumer Financial Protection Bureau, This is in regards to Seterus not following through with providing me a copy of the Deed of Reconveyance and the correction of my credit file with the XXXX credit bureaus in a timely manner. I have been calling and have sent letters to Seterus since XXXX XXXX letting them know that the loan was paid in full before the loan was transferred to them. In addition, Seterus as sent letters to me in response to my letter and complaints XXXX XXXX regarding that they are aware of the situation and will process my request accordingly. It has been over 8 months since they said they would process the Deed of XXXX and correct my credit file with XXXX. Furthermore, as a result of this, I ca n't sell or refinance my home and my credit has suffered tremendously. Finally, I would like Seturs to send proper documentation, which is a Deed of Reconveyance to XXXX XXXX of XXXX that the loan was paid in full and to correct the negative reporting on my credit reports from year XXXX to XXXX as soon as possible and so that I do n't lose on any gains. Thank you in advance for your assistance. Should you have any questions, please contact XXXX XXXX at XXXX XXXX XXXX XXXX. Thank you.
Product: Credit reporting

I disputed a collection from XXXX which they claim I paid my debt through them. which I did n't I paid my debt through XXXX. I want the collection taken off of my credit report. I have proof on XXXX/XXXX/2015 I paid my final payment too XXXX for XXXX XXXX. have stated I paid them when I did not I have paid my debt through the original debtor
Product: Mortgage

SELPORTSVC ACCT # XXXX I was in a loan modification and was told why I was making the modification payments I would not be reported late.
Product: Debt collection

Toyota Financial Service received a check paying off the loan completely on XX/XX/XXXX ( It was traded in the first week of XXXX XXXX. Payoff check was delivered through XXXX XXXX   tracking # XXXX. The check was received by XXXX  @ XXXX on XX/XX/XXXX. 
Although the check was received Toyota has not processed the payment and I have received multiple harassing collections calls. Even after explaining to each representative that has called that the car payment has been sent and received and being promised that the account will be updated to reflect the payment and no more collection calls will be made, my account continues to show past due and I continue to get harassing, rude collection calls and it is now XX/XX/XXXX. The last rep I spoke to her name is XXXX # XXXX.
Product: Student loan

I received IRS form 1099-C copy B from the Internal Revenue Service for discharge by MOHELA and the US Dept of Ed ; however, the subject account still reflects an open status with a balance. 

Internal Revenue Service advises form 1099-C is a Cancellation of Debt issued by a lender or creditor to a debtor when they cancel a debt owed to them over {$600.00}. Also, when the debt is canceled by the lender or creditor, the amount canceled must be reported as gross income by the debtor on their tax return. 

Because the canceled debt is now considered as income, for tax purposes for the debtor, the account can only be reported to the credit bureaus as as a closed account with a {$0.00} balance. 

I have contacted MOHELA several times in regards to this issue ( via phone & written correspondence ) with NO success. Ive been TOTALLY ignored by this loan servicer. MOHELA IS in violation of Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Ive included copies of my communication and copies of the 1099-C which I received from Internal Revenue.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 
The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"