23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX is reporting that they are servicing a loan that is not serviced by them. This loan is was originally a loan with a lender that went bankrupt. It was claimed to have been transferred to Bank XXXX XXXX. However, the transfer document was fraudently signed by a robo signer and also fraudently signed and notarized by a robo signer. Eventually I filed a claim under the Federal Foreclosure fraud act and received compensation with follow on actions requiring correction of the actions and that the reporting and damage done to my credit be removed and corrected. Litigation efforts followed and the lender then attempted to avoid that situation by claiming to have transferred the loan to XXXX Bank and claiming they no longer serviced the loan. However, the XXXX System which records the servicer of loans showed Bank XXXX XXXX was the servicer and that XXXX Bank as the note holder serving as trustee. It also indicates that the XXXX is INACTIVE or discharged. Requests by Qualified Written Requests to XXXX and XXXX to provide the SERVICER transfer and agreement along with XXXX documentation reflecting the transfer of the loan to XXXX and to XXXX has been refused by XXXX servicers and not furnished. The request for the lenders to provide the XXXX audit trail of the transfer of the loan has been denied. In addition, the Qualified Written request sent to XXXX Bank resulted in a letter from them that states they are NOT the investor on the loan and have no interest in it and have referred me back to Bank XXXX XXXX. The loan is inactive. This item should be removed from my credit report immediately and I have requested it repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX SS XXXX XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX
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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Balance : {$12000.00}. 


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: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX Ones failure to deposit my direct deposit from my employer. XXXX XXXX has cited technical issues, which XXXX violate the XXXX Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

On XX/XX/2017 I took out a loan from XXXX XXXX XXXX. It was a 'Time Share ', agreement. After several years of timely payments, I couldn't afford the payments because of economical hardship. I tried numerous time to settle and get out of this dilemma, but they refused to reason with me. All of a sudden, the loan escalated from {$1200.00}, original amount owed from {$5100.00}, to {$6800.00}. They forwarded the loan to Monterey Collection Services and the amount skyrocketed to {$10000.00}! I plead and plead to allow me to 'settle ' this situation, but they continue to threaten me with law suits and to damage my credit. I'm scraping just to pay the minimum trying to salvage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a deferment on my mortgage due to covid relief at the end of deferment I signed a loan modification agreement and paid my mortgage on time and as agreed. They reported my loan late and that dropped my credit score by 60 point and now other credit accounts are being closed due to their mistake that will further damage my credit.
Product: Debt collection

I consumer XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. Portfolio Recovery Associates , LLC mailed me a letter trying to collect on an alleged debt. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can Portfolio Recovery Associates , LLC, allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692 c ( b ) Portfolio Recovery Associates , LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Portfolio Recovery Associates , LLC has communicated with the all caps name principal obligor, { XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time in XX/XX/XXXX, PHH Mortgage sold my mortgage to XXXX. I did not authorize this, initiate or suggest this change. My mortgage was with PHH Mortgage since XXXX. When PHH sold this mortgage, they closed my account. This caused my mortgage history to be eliminated with the credit bureaus, and showed up on XXXX, XXXX, and XXXX as a closed account. I did not authorize nor request the account be closed. 

This change also resulted in a 69 point drop on all my credit reports. When I called to dispute this, Transunion said there was nothing they could do about this, and to keep paying on time as I have been doing, and the score would rebound. 

This is absolutely absurd. I work hard on paying my bills on time in an effort to keep an outstanding credit report. 

Please address this situation. It's devastating to see your credit score is in the 700 's, but a business takes this action, dropping your score to 600 's, and the consumer has no say in the matter.
Product: Checking or savings account

This is the third time attempting to deposit or withdraw funds from my account with Wells Fargo. In each situation there seems to be a hold or a limit to what i can withdraw or deposit. I have a clear track history showing the deposit coming from my employer biweekly for the exact dollar amount so ther shouldn't be any concern about the tracking of the funds. I needed to help my mom pay her mortgage and put a limit on what I could withdraw for the day. In this particular situation, you could clearly see not only my employee direct deposit which was available to use for ATM purchases etc but I had also received a double payment from my employer a quarterly bonus that put my balance at three times its normal amount. My account isn't set up for bill pay so I wasn't asking for more or all the funds to withdraw.

The most recent issue is with a personal check that I received from an attorney office that I recently have done business with. I was receiving a refund of {$1600.00}. I deposit the check with the account being slightly overdrawn but was in the two day grace period. I deposited the check and was informed via email hold dates on when the funds would be available. I checked my account as part of the check would be available today XX/XX/year>. The remaining amount XX/XX/year>. After calling customer service as the funds aren't available and further overdrawn now more excuses and the funds wouldn't be available till XX/XX/XXXX. I have had nothing but a horrible experience as a customer with Wells Fargo. Constantly be overcharged or holding funds back so they bank can justify why they charged me fees. I feel like im Constantly having to jump through hoops just to have fair access.
Product: Credit reporting or other personal consumer reports

My continuous attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. The presence of these erroneous entries has severely impacted my life, resulting in considerable stress and anxiety. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information linked to my identity.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681. 
Account name : WELLS FARGO XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf after any re-investigation 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 ( i ) 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 re-investigation; and ( ii ) 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. REMOVE THE ACCOUNT 24hr or Next step Arbitration for damages.
Product: Debt collection

-Entered into debt management company XXXX XXXX XXXX on XX/XX/XXXX -Served with notice of suit on XX/XX/XXXX by XXXX XXXX XXXX XXXX . representing Capital One Bank ( USA ), N.A -The debt management company was receiving payments for the debt to Capital One and forwarding payments to Capital OneXXXX XXXX XXXX XXXX in the amount of {$85.00} -Signed a  stipulation agreement document agreeing to pay the debt through the debt management company on XX/XX/XXXX XXXX XXXX  XXXX XXXX . wanted additional funds in the amount of {$90.00} to be deducted directly from my checking account ( I complied with the request ) -XXXX XXXX XXXX XXXX XXXX agree to this agreement and then on secured a judgment with XXXX County Courthouse on XX/XX/XXXX, while receiving the payments as agreed. 

-Contacted XXXX XXXX XXXX XXXX . concerning the judgment and was basically informed that " there was nothing that they could do, oh, well. '' -The debt is now paid in full, however, there is a judgment on my credit report for a debt I had an agreement to pay.
Product: Mortgage

I Thank you for the educational information you have sent to me, after my inquiry. I have received from XXXX XXXX two different balances that you are trustee, Which is confusing. would you please verify which amount that XXXX  XXXX XXXX sold to you that you monetized and sold to public, I will sent the two different documentation as attachment. 
There is element of fraud with my mortgage balance. so, it imperative to save guide the public from defective instrument to be sold.
Product: Mortgage

On or about XX/XX/XXXX, Caliber issued Check No. XXXX in the amount of XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX cents ( {$48000.00} ). This check was sent to the wrong address. The amount of this check was withdrawn from the mortgage holders restricted escrow account. 
Upon learning that the check had been issued to the incorrect address, the mortgage holder made attempts to secure the check without success. Having no success, the mortgage holder then made contact with the appropriate loss draft department and requested a stop payment to be placed on the check and a new check to be issued and sent to the correct address. 
Several weeks went by without any communication from the loss draft department and without receiving a replacement check. The mortgage holder again contacted the loss draft department to inquire into the status of the check that was presumed to be reissued. At that time the mortgage holder was informed that the check was cashed, and no additional action was taken. 
The mortgage holder insisted that an investigation be opened into the check and that a copy of the negotiated instrument be provided for review. This request was delayed for a number of weeks and the mortgage holder later learned that an investigation was not opened. 
Subsequently, a determination was made that the check was fraudulently cashed and an new check was issued to the mortgage holder ; however, the amount of the replacement check was also deducted from the mortgage holders restricted escrow account. 
Notwithstanding the fact that the issues were not resolved, and the funds had not been placed back in the mortgage holders escrow account, the case was closed. 
The mortgage holder was instructed to write a letter to the Caliber Home Loans Fraud department and to await a written response. The mortgage holder sent this letter on XX/XX/XXXX, and it was received on XX/XX/XXXX. The only subsequent communication received from Caliber was a copy of the check that was cashed. No explanation, no updates, no progress. 
As it currently stands, the funds for the fraudulently cashed check have not been credited to the mortgage holders restricted escrow account, the mortgage holder as requested and been denied contact information to caliber home loans corporate office, fraud department, and legal department ; notwithstanding the fact that everyone is saying there is nothing that can be done because the case is currently being handled by these departments. Everyone the mortgage holder has spoken to says they do not have access to contact these departments and no one does. 
It has been nearly 10 months since this check was issued by Caliber Home Loans.
Product: Credit card

I disputed a series of charges on one of my three Citi Credit Cards. The disputed charges were several small amounts made through XXXX for approximately {$350.00}. My reason for disputing the charges was because the original purchases were game credits and the game maker updated the game, making my credits useless. 
The charge disputes were filed on the phone with a Citi Customer Service Rep and through the Citi App. Approximately one month after the disputes, Citi closed all three of my credit card accounts stating " we've concluded that you misrepresented the details on one or more of your disputes. '' When making the initial dispute over the phone with Citi at XXXX on XX/XX/year>, I explained the circumstances of the dispute with the Citi representative who stated the dispute was valid and no proof or documentation was necessary from me. This is upsetting to me because when Citi closed my accounts, with NO notice, I lost {$1100.00} in cash value of reward points that I could have applied to my open balance. 

I previously requested that Citi refund my membership fee but they responded that they had no record of that charge. I am attaching proof of the membership fee charge with this complaint.
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 : //www.ftc.gov 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, LA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Product: Mortgage

I have a mortgage with Flagstar Bank. I enlisted the help of my Aunt to assist me with a modification. After submitting the application My Aunt who is authorized to speak with Flagstar contacted the company on XX/XX/XXXX. She was told all paperwork was received on XX/XX/XXXX and give it a few weeks for processing. We called on XX/XX/XXXX and was told the case was closed on XX/XX/XXXX because we failed to submit additional documents requested after a letter of request was sent on XX/XX/XXXX. We spoke to a Spvsr who agreed the case shouldn't have been closed on XX/XX/XXXX if the request was sent on that day and if we sent the documents the case would be reopened and processed. The documents were sent to Flagstar priority mail. We called on XX/XX/XXXX to check status and were told case was closed on XX/XX/XXXX for failure to submit additional documents they already received priority mail. So we requested a phone call from the Spvsr we spoke with on XX/XX/XXXX and were told he would call back and received no call. We call again on XX/XX/XXXX and were informed the case is not closed they need documents no letter was sent requesting documents. The rep started telling us what documents when we told him we need a call back from the Spvsr because we sent the documents priority mail and Flagstar received them he told us we would get a call back today and never received any contact. Flagstar has all required documents and they never send letters requesting any documents they just keep closing the file. I would like to modify my mortgage and pay for my home. This is the 3rd time this has happened. My mother is deceased she was on the mortgage and the have the death certificate. They did the same thing to her when she XXXX  XXXX a month after we purchased the house. They never processed the request for a modification or communicated with her by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove the negative status in this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Review attached evidence. Consumer Fraud and insurance fraud. Not mine. Delete from my Lexis Nexis XXXX XXXX report immediately.
Product: Money transfer, virtual currency, or money service

On going notifications of money transfers and withdrawals from investment accounts through Robin Hood even after reporting several times through their fraud and phishing platforms