23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In 2012, my grandfather, who was in the early staages of XXXX and the only financial provider of the household, stopped making mortgage payments. The original servicer was Ocwen. The home was in the beginning stages of foreclosure. The only option Ocwen gave us to reinstate the loan was a shared appreciation modification ( we just learned ). He accepted the modifcation because we did not have the 6 months of payments to make to Ocwen. My grandfather has since passed away and my XXXX year old grandmother remains in the home with her XXXX daughter. We went through probate to have the home transferred into her name. The new servicer of the loan is PHH. We were close to making the final payment of the modified loan when PHH sent us a payoff amount for shared appreciation of XXXX. We immediately contacted them and received the run around for several days. In summary, they could not assist us. We even tried to have the amount refinanced so that we could pay XXXX XXXX in installments. They would not assist us. We received a new payoff amount of XXXX on yesterday which must be paid immediately. I asked how can the amount increase by XXXX in only a few months. The representative stated that they used the XXXX home value amount to calculate the shared appreciation. This company will not assist us.
Product: Credit card

I filed my first ever claim with your Agency yesterday ( XXXX). Same background    I E-- I lost my job on XX/XX/XXXX. I was paying all of my credit cards on time. With no job--We lost our condominium + the XXXX entered us ( Me + my XXXX wife) into their Program. They paid our monthly XXXX premium and got us enrolled into the low cost prescription program. However, they advised that if I earned more than $ 50.00 / month--we would lose these benefits. I began early XXXX  monthly benefit check(s) in XX/XX/XXXX at age XXXX
In 2010 Citibank took me to XXXX Court for non payment. Per my "Answer" that I submitted to the Court---my only source of income is my XXXX and that can not be garnished ( I was not trying to "hide" behind this).  The Judge agreed and their motion for payment  was denied on XX/XX/XXXX.

So,you naturally think that this case is now closed.

In XX/XX/XXXX,  I got information from the XXXX Court that this case had been re opened by Citibank !  I  discussed ( at length ) the case with their Lawyer. We settled on a Stipulation for Judgment wherein I agreed I owed the money and Citibank stated , " Demand and presentment for payment are hereby expressly waived". On XX/XX/XXXX and again on XX/XX/XXXX the Judge Granted/agreed with this Stipulation.
 So now ( again) you think that this case is finally closed ??

  A week ago, Citibank's new Law firm mailed me an Appearance Form for the XXXX Court. Per the XXXX Court Clerk--I should call this Law firm and I did. I asked to speak with  XXXX ( person  who signed the Form). I assumed that I was talking with XXXX-- as that is who I asked to speak with.
Regarding me getting this form and XXXX other questions I proposed , he stated to each and every question :
" I can not confirm or deny anything".
Then, in true Legal form, he stated, " If you win the Lottery,you are duly bound to pay in full Citibank"!!!

My opinion is that Citibank is guilty of repeatedly harassing me. 

If a case is deemed to be closed ( XXXX) by a XXXX Court Judge --why can't they accept that Judgement and then "move on"??
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Upstart Network Inc. In the period from XXXX XXXX XXXX my employer, XXXX, experienced two significant data breaches, exposing sensitive personal information, including Social Security numbers, addresses, birthdates, and account numbers. This breach resulted in multiple instances of personal loans being opened in my name. 

Specifically, on XX/XX/XXXXXXXX XXXX a loan in the amount of {$5000.00} was applied for with Upstart Network Inc. Despite my attempts to dispute the account, Upstart  maintains that their investigation supports the claim that it was indeed my account. I firmly believe that this loan was a result of identity theft, considering the widespread data breaches during the mentioned period. 

I am seeking the intervention of the CFPB to thoroughly investigate this matter and rectify the situation. The exposure of personal information due to XXXX XXXX data breaches has put me at risk of fraudulent activities, and Upstart 's refusal to acknowledge the possibility of identity theft is deeply concerning. 

I request that the CFPB investigates this case diligently, considering the broader context of the data breaches and the potential impact on affected individuals. Your assistance in resolving this matter and protecting consumers from the consequences of identity theft is greatly appreciated.
Product: Money transfer, virtual currency, or money service

A money transfer was completed into PayPal Business. However, the money was not transferred as per the business to business agreement by check to the bank. The money was requested electronically and by check. All attempts failed. The customer service division of PayPal indicated that the account had daily spending and withdrawal limits which were incorrect. The account is a merchant account and has never had withdrawal limits. The screenshots reflect there are no limits. In addition, data information was requested electronically to the website. Furthermore, when logging into the account the merchant is being prompted for a mobile phone number. The phone number has been on the account for well over a year. This happens continuously. The merchant requested that customer service explain this discrepancy, but was provided incorrect information. Per PayPal the conversations regarding these incidents were recorded. PayPal has refused to provide all of the data on the account as requested. PayPal has refused to send the money by check to the merchant 's bank. The PayPal account has had numerous technical issues since XX/XX/2022.
Product: Checking or savings account

On XX/XX/2020 my debit card was stolen and used i did not know until the morning of XX/XX/2020, when i called Capital One Bank i had {$1600.00} dollars of unauthorized pending purchases, i live in XXXX these purchases were made in New Jersey, i notified Capital One Bank immediately, i filed two claims with Capital One they denied both claims and are refusing to refund my money
Product: Prepaid card

I have had my Cash App account for months and I have deposited and withdrew XXXX of dollars so far yet every time I apply for a card I am denied I have never had a card or done anything wrong to cash app Ive never filed a dispute or challenged anything yet they have continued to limit my features recently they took away my ability to Upload money to my account and have denied all deposits coming in for my friends and loved ones whenever I inquire about this they tell me that they are not able to provide any more information and they close the chat.
Product: Debt collection

Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX Current Address : : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX It has come to my attention that as of XX/XX/XXXX, XXXX maintains a record on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX. I decided to investigate this issue. 
On Thursday, XX/XX/XXXX, I attempted to reach XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX by Telephone at ( XXXX ) XXXX. I called twice. During the first call to XXXX Maryland at ( XXXX ) XXXX, Agent XXXX XXXX with XXXX Maryland told me she was not able to discuss the account at all. During my second call to XXXX Maryland at ( XXXX ) XXXX, XXXX XXXX XXXX Maryland refused to discuss the account repeatedly. 
Due to their refusal to discuss this account, I am requesting this information be removed from my credit report immediately. 
Thank you, XXXX
Product: Checking or savings account

I had a spending account with dave that i use frequently. I had roughly XXXX dollars in it i needed until payday ( over a week from now ) i have no other funds and without notice they closed the account and i do not have access to my funds.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX SS # XXXX D.O.B. XXXX. This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) That you Experian, transunion and XXXX credit XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fradulent, inaccurate and false information consists of several personal credit cards opened at XXXX account number XXXX and XXXX XXXX  account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX and an auto loan from XXXX  XXXX account XXXX. These accounts have resulted in several fradulent hard inquiries and fradulent collections appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the mentioned fradulent items.I do not recognize the above mentioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections or hard inquiries appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I submitted a complaint to the CFPB in regards to XXXX XXXX BACK IN XX/XX/XXXX relating to various names and llcs being used to collect on an original Capitol one debt back in XXXX totaling {$6600.00} due to XXXX. I have asked repeatedly for XXXX XXXX  to provide specific proof of debt purchase showing their ownership of this debt to collect on. Since XX/XX/XXXX and despite my request, the debt purchase documentation has not been provided. What was provided was Capitol One statements only and my original contract with Capitol one as attached. XXXX XXXX has placed this debt on my credit reports and has not once reached out to me in regards to this his debt. Since XX/XX/XXXX this debt was in a debt consolidation program with XXXX, however I have opted out of that program. I am requesting this specific information to ensure they have legal ownership to collect on this Debt in order to make small monthly payments. I will also be forwarding this complaint over to the FTC for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three creditors that are reporting accounts on my credit report that I did not authorize to be opened. The accounts are XXXX, XXXX XXXX XXXX and XXXX XXXX all these accounts were opened without my authorization and need to be removed from my credit report. I have attached a FTC Affidavit and Police Report. Please remove the accounts and send me an updated credit report with said changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Real Time Resolutions purchased a debt from XXXX  XXXX XXXX and re-aged the debt. I fell behind in XXXX with XXXX  XXXX XXXX and Real Time Resolutions purchased it in XXXX and that is the date they are reporting.
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 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. This is a lack of accountability and transparency and raises serious concerns about consumer safety.
Product: Debt collection

Santander Consumer USA has not deleted themselves from all 3 credit agencies reported on my credit reports as agreed with the Multistate Santander Settlement.
Product: Credit reporting or other personal consumer reports

To Clarity Services : I have sent a certified letter informing you that the information you have on my credit file is inaccurate ; I have yet to get a response and I have disputed this information back on XX/XX/XXXX, it is now XX/XX/XXXX and you have not updated my file. 
Reference # XXXX Home Address : The only address for me is XXXX XXXX XXXX, XXXX XXXX AR XXXX and XXXX XXXX XXXX # XXXX XXXX XXXX AR XXXX. 
Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( Never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there- that is a business address Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( not my XXXX XXXX ) Please delete XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX Ar XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX AR XXXX, ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX ( not mine ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX A XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ( not my address ) Cell Phone & Home & Work Phone Numbers : Please delete XXXX, XXXX, XXXX ( not my numbers ) Please delete XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... ..Not my work numbers Personal Name : ( Personal Information ) My name is XXXX XXXX . 
Please delete XXXX XXXX XXXX Date Of Birth : ( Personal Information ) My date of birth is XX/XX/XXXX Please delete XX/XX/XXXX, and XX/XX/XXXX those are not my XXXX. 

XXXX License Number and State : Please delete XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( those are not my license numbers ) Email Addresses : My email is XXXX & XXXX Please delete XXXX Please delete XXXX Please delete XXXX Please delete XXXX Please delete XXXX Employment Information : Please delete the following because I've never worked for any of them : Please delete XXXX XXXX XXXX ( never worked there ) Please delete XXXX XXXX XXXX XXXX ( Never worked there ) Please delete XXXX XXXX  ( Never worked there ) Please delete XXXX XXXX ( never worked there ) Please delete XXXX XXXX ( never worked there ) Please delete Retirement/Pension ( never worked there ) XXXX XXXX XXXX XXXX ( never worked there ) XXXX XXXX XXXX ( never worked there ) Banking Information : Please Delete The Following XXXX XXXX XXXX, Acct XXXX XXXX XXXX, not my account Routing XXXX, Acct XXXX, XXXX XXXXXXXX XXXX ,  not my account Routing XXXX, Acct XXXX, XXXX XXXX , not my account Routing XXXX, Acct XXXX XXXX XXXX XXXX XXXX, not my account Routing XXXX, Acct XXXX, XXXX XXXX , not my account
Product: Mortgage

Our current services is Green Tree, LLC. Although they have not established who has given them this right of service, we have requested documentation on several occasions but have received no relief. Green Tree to date has not produced original documentation as to the owner of our mortgage, no one seems to have the original note as determined by federal law and many states. Green Tree is now going to sell our home, but still has not proven ownership by any entity or organization. Without proof of ownership with original documentation we dispute Green Trees right to sell our home or service any mortgage. We have sent them QWR under RESPA but they responded by saying that the information is propriatary to their company and will not divulge this information. We still have not seen the original note, not a copy, as required to prove that they have permission form any owner or other organization. We do not feel that they have any right to any collection or sale of our home and under the RESPA and the recent FTC settlement, Green Tree is violating our rights. We have filed a complaint before to no avail, you just send it to them and they do the same thing time and again. Please take this under consideration. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020, I submitted a dispute letter disputing information on my credit report to Equifax. Then, on or about XX/XX/2020, I submitted another dispute letter disputing the information on my credit report that was not resolved in my opinion. Finally, on or about XX/XX/2020, I submitted a dispute letter disputing the results of the investigations. I had supporting documents from the company they said that they received the information from. It was a third party company called XXXX. I contacted XXXX, they said that they did not have ANY information on me. I also contacted the court who also was to have supplied information about me. The court DOES NOT supply any information to credit reporting bureaus. I do not feel that Equifax resolve this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were reported as accurate and verified. They will not tell me how they verified these accounts what information they obtained. I would like them deleted because I have no knowledge of these accounts and they are inaccurate.Experian Report#XXXXXXXX XXXX XXXX,TX XXXXXXXX XXXX XXXX file#XXXXXXXX XXXX XXXX,PA XXXXXXXXXXXX XXXX XXXX,GA XXXXXXXX XXXX account#XXXX Charge off balance $XXXXXXXX account#XXXX charge off balance $XXXXTXXXX account#XXXX******XXXX charge off balance $XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BOTH XXXX  AND EXPERIAN HAVE ALLOWED 2 COLLECTION AGENCIES TO VIOLATE THE FAIR DEBT COLLECTION ACT. THEY ACTUALLY REMOVED THE DEROGATORY COLLECTION ACCTS THEN ALLOWED ANOTHER COLLECTION AGENCY TO ADD THE SAME ACCT BUT DIFFERENT AMTS BACK. I HAVE PROVIDED PROOF THAT THESE AGENCIES NEVER ADVISED ME THIS DEBT WAS OWED TO EITHER PARTY AND IGNORED MY LETTERS TO VALIDATE DEBT WITHIN 5 DAYS OF RECEIVING IT. I HAVE WRITTEN 4 CORRESPONDENCES TO BOTH CREDIT BUREAUS SINCE XX/XX/XXXX AND IT STILL HAS NOT BEEN RECTIFIED. BOTH XXXX  AND XXXX XXXX XXXX/XXXX XXXX HAVE VIOLATED FEDERAL LAWS IN PLACE TO PROTECT ME. I WAS NOT EVEN AWARE XXXX XXXX WENT BY XXXX XXXX XXXX. THESE ACCTS CONTRACTS WERE CANCELLED BY XXXX AND XXXX XXXX XXXX AND TERMS OF THESE WERE NULL AND VOID. XXXX  HAS REMOVED THESE BUT I STILL CONTINUE TO DISPUTE THESE ACCTS WITH EXPERIAN AND XXXX  SINCE XX/XX/XXXX & XX/XX/XXXX AND WERE AT ONE POINT REMOVED AND ADDED BACK THIS YEAR. I WOULD LIKE AN OFFICIAL INVESTIGATION CONDUCTED INTO EXPERIAN AND AND XXXX  DISPUTE INVESTIGATION PROCESS & PROCEDURES. PLEASE. THESE SHOULD NOT HAVE BEEN ALLOWED TO BE ADDED AFTER THIS DURATION AND AFTER THEY NEVER VALIDATED THE DEBT, NOR ARE THEY THE ORIGINAL CREDITOR
Product: Checking or savings account

My BofA account was compromised BofA refuses too help they charged my account off with no response or help i.filed claims on all suspected fraud on my account no help from this poor excuse of a bank.
Product: Debt collection

I receive calls from American Coradius International about 4 times a week. They never leave a message, just hang up. Ive attempted to call them, but have been unable to speak with someone. I have no outstanding or unpaid debts.