23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed a complaint with the ombudsman XX/XX/XXXX, as of today I have not heard back. 

1. How my {$3600.00} payment on XX/XX/XXXX to chase was applied by SPS along with {$1400.00} escrow balance at the time. 

2. All statements have other charges and fees. I Want a detailed reason for each of the fees from {$120.00} upward to {$200.00} what they are for? AND What is today 's total for those fees? 

3. I Want a detailed reason why partial payments and unapplied monies continue monthly for years. Where is the money sitting and why is it not fully applied? 

4. I Want a detailed reason and know where this money sat for months from check # XXXX for {$1400.00} from XX/XX/XXXX documented as escrow only. SPS ADMITTED THE ERROR and refused to apply the monies to escrow from the date of the check as discussed with a representative that it would be. After SPS applied it, who knows where! I want to know! At the same time SPS ran 6 escrow analysis and never credited my escrow account but changed my monthly payments each time. 


5. XX/XX/XXXX my monthly payment was made of {$960.00} with a second payment XX/XX/XXXX of {$2900.00}. I Want a detailed explanation where this money was applied. 


6. I Want a detailed explanation of expenses pd by servicer and property fee FOR WHAT? Nobody has ever knocked on my door from anywhere related to SPS yet fees continue.
Product: Debt collection

XXXX XXXX XXXX, XXXX is harassing my work phone number and calling my family members multiple times asking questions. I have asked them to stop calling my work phone number in writing and to only call my home number at the appropriate hours. Also they will not validate the they account and their contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed the following inquiries that I never authorized : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX   Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against Equifax for failing to investigate my disputes regarding an accuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating that the account is accurate. Without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting act which requires a reasonable investigation of all disputes. Also Equifax actions may also contravene that the Consumer Financial Protection act as highlighted in the cfpb 's recent administrative proceeding against them for similar violations. I request that the cfpb take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of the investigation. 
The list of companies that I have disputed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, Im making this complaint against California Business Bureau , Inc. for committing identity theft. I have NEVER given California Business Bureau , Inc. any type of permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt theyre claiming I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have NEVER received any type of documentation requesting validation from California Business Bureau , Inc. what so ever before they committed multiple violations under the FCRA and the FDCPA. California Business Bureau , Inc. is in complete violation by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) in which the FTC defines as debt parking. If California Business Bureau , Inc. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, prior to furnishing it on my consumer report Ill have reason to believe that this account has been a fraudulently furnished with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until California Business Bureau , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and California Business Bureau , Inc. continues its collection efforts, I will file for litigation for actual damages caused and California Business Bureau , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Checking or savings account

As a Citi credit card customer I received on my personal email an offer to open a Citi checking account and meet a set of activities, here is an excerpt from the offer email : " EARN UP TO XXXX XXXX  bonus miles* after completing the following required activities : 1-OPEN a new checking account and enroll in the offer the same day before XX/XX/2023 XXXXSPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening 3-MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90day window 4-YOUR XXXX  bonus miles will be credited to your XXXX  account within 30 calendar days from the date you complete all required activities '' I have met all required activities on XX/XX/2023 and was expecting the miles to post up no later than XX/XX/2023. I have been unsuccessful at getting Citi to post the miles to my account in a timely fashion and simply honor the terms of the offer despite numerous calls to incompetent customer service agents and supervisors from 3rd world call centers. 

I had no other solution but to request consumer protection in this case to defend my rights.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

enrolled in oops program. XX/XX/year> [ XXXX reference ] reported monies being debited by hacker. RE : Debit card No. XXXX XXXX XXXX XXXX. FOR {$180.00}. After their investigation based on facts to be valid. their procedure was to close account and set up new account. 
after this was completed, they didn't transfer the remaining balance with is unknown to this date. so, they didn't send correspondence about owing fees. every time i called they said it was nothing they could do for they sold debt to third party for collections, and they still wanted me to pay without giving me amount and that they can't release information to me because the information was sold. so, every time i call the recording says I'm in default. embarrassing. I also know i can't get in to any more of those programs because a default. bee a member since XXXX i also can't get credit or other loans. I've been turned down for car loans, share loans. they give no-value, they dont accept mine and yes i know its because of XXXX of skin. i didn't know about share, fees and i get direct deposit. i just applied for a loan for credit XXXX to help get my car fixed. thant itself has been why i applied for loan and to build trust.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - XXXX XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX XXXX XXXX XX/XX/2022 : XXXX XX/XX/2022 :
Product: Money transfer, virtual currency, or money service

I sent {$1000.00} to the wrong person. I realized within a second but was unable to cancel it. I called my bank, XXXX XXXX XXXX right away but they stated they couldnt stop the transaction. 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 lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings 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.
Product: Credit reporting or other personal consumer reports

I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleded debt. Report inaccurate information on a consumer profile is violation of FCRA. This account was already removed from my transunion report but is still showing reporting on my Equifax. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/, 2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my Experian credit report. Please direct them to conduct proper investigation and not purchase my data from 3rd party vendors such as XXXX XXXX or XXXX. I am in the process of filing a complaint to FTC and DOJ for these violations.
Product: Money transfer, virtual currency, or money service

I have had a PayPal Account for several years. The pandemic has raised certain serious issues - especially with sellers from overseas ( e.g., XXXX is no longer selling via the primary market here in the US, but instead sell directly to consumers ). I've order several items -- and one took 35 days to deliver. Another order was not fulfilled. I had an email from them saying they could not fulfil it and I gave them notice to cancel the order. Neither PayPal nor I have heard from them. PayPal has not honored its commitment regarding merchandise purchase protection. The invoice was written in XXXX and PayPal nor I could read it. It also had a 'bad ' email on it ; these are badges of fraud and PayPal just directed my to my card. I sent the email regarding that they do not have the material for the items and PayPal would not cancel the account because it said it could not. This is unusual also because they attempted to take these funds when my bank did not pay it ; and what they have on their records is wrong. 

Now - I have canceled one dispute for {$44.00} and am just am taking the hit. The other has been resolved by XXXX XXXX, they did not accept the charge and canceled my card and issued a new one. Ref. ID # XXXX case is with my federal credit union account ending in XXXX.
Product: Money transfer, virtual currency, or money service

Company name is REMITLY is based out in Washington state! The bank is telling my sister that shes not able to pick up the money because theres nothing there and plus they say they already send it but theres deposit there. if thats what they say ( I got a receipt that says How much when and how I send it )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I have a hard inquirie from XXXX XXXX On XX/XX/XXXX I have a hard inquiry from XXXX XXXX and another on XX/XX/XXXX On XX/XX/XXXX I have a hard inquiry from XXXX XXXX On XX/XX/XXXX I have a hard Inquiry from XXXX XXXX 

These are on my TransUnion report
Product: Student loan

Sallie Mae claims I owe money in private loans that have expired past the date of collection. They are also claiming my cosigner is liable ; but my cosigner has already been released via bankruptcy. They are claiming I made payments to them; but I have not made any to them. They are calling extended members of my family as well for debts that they can not collect and need to stop.
Product: Mortgage

I was laid off from job and applied for a loan modification due to financial hardship. Submitted forms multiple times and multiple applications from XXXX-XXXX. Denied for loan modification and asked to resubmit and resubmit. During loan modification, foreclosed on home. Had legitimate layoff and had to move. Tried to sell, couldn't. Loandepot.com rejected short sale. Refused to offer any help. Loandepot.com has done zero to help in a situation with a legitimate hardship. We have been applying for a loan modification for two years with no end in sight.
Product: Money transfer, virtual currency, or money service

The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions 18 U.S.C. 2314 Tax Stamps Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening here that my concern was not attended by Equifax and XXXX!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX, XXXX  XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  Account Number ( XXXX  ), XXXX XXXX XXXX on XX/XX/XXXX Account Number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX Account Number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXXXXXX  Account Number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

I have a high interest loan through Prosper loan. After repairing my credit I was able to get a bank loan at a much lower interest rate through XXXX out of XXXX, Illinois to pay off the Prosper loan. On XX/XX/2017 XXXX sent Prosper a check for XXXX on my behave to pay off my loan with Prosper. Prosper lost the first check. 
The bank stopped payment on that check on XX/XX/XXXX and sent Prosper a new check via XXXX on XX/XX/2017. Prosper received that check on XX/XX/2017, and presented it to XXXX on XX/XX/2017 for payment and the funds were transferred to Prosper on I believe XX/XX/2017. Prosper was presented with proof that the funds were transferred to their account and is still unwilling to acknowledge the payment and has put my account into " pass due '' status which will eventually affect my credit rating. Prosper has a financial interest in my paying for the full terms of the loan and feel that is there end goal here. At this point Prosper will not speak to me and will not respond to the support ticket that was placed on my behalf by XXXX.
Product: Credit reporting or other personal consumer reports

I just checked again my TransUnion and XXXX credit reports and I can see accounts reporting inaccurately. Please see attached file below
Product: Checking or savings account

I signed up for a bank account with HSBC and was entitled to get a bonus based on direct deposits made to the account. I know that I signed up through the correct link. The bank confirmed that on the phone, but then later refused to honor the bonus. HSBC owes me {$700.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX THESE accounts were part of a data Equifax breach and is inaccurate, please delete these 2 accounts from my credit file
Product: Student loan

XXXX took out a loan on my behalf to pay for a Temporary Credit they say I owed them immediately upon graduation and that I could not setup a payment plan on. My understanding is that this is common practice for them and I am not the only person who has had this happen to them. 
There is no way I should have even qualified for this loan, or any loan from them, as I had no income and no co-signer when I applied for XXXX and no means to repay the loan other than a promise of a high paying job once I graduated. 
The loan was through XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I deposited {$200.00} as a security deposit for a Secured Student Credit Card with Capital One. I received the card today XX/XX/2022 and tried to activate the card. The online activation link directed me to call Capital One to complete the activation. The representative at Capital One informed me that my cellphone could not be used to verify my identity and that I would need to upload a copy of my license or I'd card. My id has been lost and they informed me that the card can not be used until I provide id. 
I requested that the card account be cancelled and the {$200.00} deposit be refunded to my bank account. Capital One stated that I would receive a check for the deposit in 14 business days. I requested that the money be put back in my bank account because I can not cash a check without id and I need the money on the card to get my id. The money has been tied up with Capital One for over a month already, I am a student with limited financial resources. This is causing financial hardship for me because I can not access my money that I deposited in good faith for use of the credit card. I verified my identity when applying for the card with my social security number and birthdate. My telephone number was accepted by Capital One to get the funds and other text messages but now it's not accepted to use the card. 
I would like access to the card or have my money credited to my bank account. I did not use a check to deposit the funds and I should not have to accept a check for the return of the funds.
Product: Debt collection

XXXX XXXX from JPL Recovery Solutions has called 2 ex family members asking about me. I want this stopped this is illegal and I never have anyone permission to talk to anyone about me. They are putting my job and custody of my kids in jeopardy. This must stop now!!
Product: Credit card

Examine the attached documents. I want the bureau to initiate an investigation into these accounts. I am never late, but they're reporting me as late.