23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently read the article about the Consumer Financial Protection Bureau in XXXX magazine. We are involved in a unique and complicated situation and are not sure what direction to take. 
We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX the fall of XXXX with a three year ARM. XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agent 's address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on XXXX properties XX/XX/XXXX, and that the XXXX index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XXXX XXXX and even that interest rate was calculated incorrectlyWe have all the basic mortgage fraud issues including original loan not endorsed, mysterious mortgage assignment recorded many years after the XXXX was created, endless loan modification applications, multiple mortgage servicer changes and harassment/threats to foreclose on us. We have been pursuing resolution to the overpayment and the correct mortgage interest rate since XXXX. I have kept detailed records of all correspondence and have all issues outlined in a timeline summary. 
We have never been late or missed a mortgage payment in fifteen years until we re-financed with XXXX in XXXX. We had excellent credit and we believe our mortgage was added to the original XXXX pool because of our high XXXX score to increase the " average '' XXXX score of the pool. Our income has always been high enough to afford the mortgage payment and our house is worth more than the mortgage note. The servicer XXXX s ) keep sending modification offers to us even though we do not qualify for the modification program. 
There seems to be an endless back and forth between us and the servicers for each property. We continue to write letters asking direct questions that go unanswered. We have recently authorized our attorney to pursue legal action against the servicers and lenders for XXXX properties. The servicer 's response on our rental property was to file foreclosure in XXXX XXXX in the name of the trustee " XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ". A copy of our answer and counter claim is attached to our complaint. 
Thank you for time and consideration.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX is continuing to report errors and inaccurate information on my credit Report from the collection agency LockHart Morris & Montgomery original creditor XXXX XXXX XXXX on three separate accounts. 

Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 

It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher LockHart Morris & Montgomery ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I'm a XXXX XXXX XXXX  and I was approached by an " investor '' who worked in Crypto Currency, who claimed to have $ XXXX to invest in a rental property. The first communication was via a phone call then after that it was all through XXXX. 
He said that he worked with a network of investors around the world with account balances in excess of $ XXXX and they all worked together to trade simultaneously and move the market. I tried investing {$1000.00}. I sent it to XXXX via wire and there it was exchanged for crypto currency and from there it was transferred to a XXXX XXXX where an exchange named XXXX was accessed through a " XXXX XXXX ''. The first investment went so well that I decided to invest more $ XXXX and of course the gains were astounding. At that point I told him that I needed to be able to withdrawal funds and of course he helped me with that. This went on for a while to the point where I had invested app $ XXXX. My account balance at that point was {>= $1,000,000}. He directed me into a trade for $ XXXX and it happened very quickly. I made the trade and at that point he called me right away to say I had to deposit another $ XXXX to protect the option trade. I told him that wasn't possible and we would just have to wait until the trade closed in XXXX to see what happens. At that point he deposited $ XXXX into my account to boost the balance to $ XXXX. Just before the trade was set to expire, he called me and again he tried to get me to deposit an additional $ XXXX and or trade at least the last $ XXXX in my account and I told him no I was done. 
The trade finished and of course it was bad and I lost the $ XXXX. In retro spec I'm certain that the XXXX trading platform was fictitious and there were never any real trades made. 
The next step was to try to withdrawal the remaining $ XXXX in my account. I submitted a withdrawal request with XXXX and waited for about 4 hours then I contacted their tech support through the app. The response I received was that since this was the first large withdrawal from my account I had to provide a 20 % deposit to " prove funds '' within 3 days or my funds would be frozen on the block chain for 90days. I was desperate for the funds so I made the deposit. At that point they said I was number 945 in the que for withdrawals and I had to be patient ... of course for a fee of $ XXXX I could achieve super account status and receive my withdrawal in 15 mins. I did not make the final $ XXXX deposit it became obvious at that point that it was a total scam. I have screen shots of all of this that I am glad to share. This was an amazingly well organized scam. I lost $ XXXX ... ..my life 's savings.
Product: Debt collection

My Personal information was leaked into XXXX Data Breach and I would like all accounts deleted from my report. I received negative reports on my credit report from third party collections I have never done business with or never gave my personal information to. These companies are illegally using my information and breaking laws under 15 USc 1601 and section 605b of the Fair Credit Reporting Act.
Product: Debt collection

On XXXX/XXXX/15 I was notified by XXXX creditor monitoring service that Enhanced Recovery Company ( ERC ) has placed a collection account on my credit file. On XXXX/XXXX/15 I notified ERC that I have no knowledge of an account or balance with XXXX and requested verification of any such account. I received an email message form ERC on XXXX/XXXX/15 stating they would cease communication and request documentation from " their client ''. As of this date I have yet to received any information or documentation to valid any such debt. Enhanced Recovery Collections is in clear violation of the Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I purchased a vehicle through XXXX and financed the vehicle through Ally financial on XXXX XXXX. I was involved in a not at fault on XXXX XXXX and the vehicle was deemed a total loss. The insurance company requested a payoff balance and promptly remitted payment on XX/XX/XXXX for XXXX and additional payment for {$770.00} on XX/XX/XXXX. My account has a XXXX balance but yet I am showing conflicting information in the Ally portal where it shows {$0.00} payment due. Then when I review all payment details it shows a balance of XXXX which is reporting to my credit report as late every since XXXX of XXXX. I am requesting that they close this account and remove all incorrect information from my credit report as these late payments and amount due are preventing me from securing housing. I have attached copies of my original loan documents, pay off letter from insurance carrier and proof of payments posted with Ally showing I did opt for GAP coverage which would have taken care of any additional outstanding balance. ( never received refund for unused premium ).
Product: Money transfer, virtual currency, or money service

My complaint is for Zelle. Misleading Zelle transaction guidelines. Zelle sent money to the wrong person.
Product: Credit reporting or other personal consumer reports

I requested an investigation from Experian on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XXXX/XXXX I this investigation I requested the validation of the following accounts. 

1. Please explain your method of validation for these late payments and because I do not remember ever being late on this account. 
XXXX XXXX  Account Number : XXXX If you are unable to prove these payments were late, I request these late payment be removed and the account be updated to current and paid on time. 
XXXX. In the previous letter I requested your method of validation. You have failed to provide your validation which tells you did not complete a re-investigation. 
XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
XXXX. In the previous letter I requested your method of validation. You have failed to provide your validation which tells you did not complete a re-investigation. 
XXXX XXXX XXXX Account Number : XXXX Since you have failed to do your due diligence and ignored my request, I am now requesting this account be deleted immediately. 
XXXX. As I stated in my last letter please validate this account belongs to me by providing an original document bearing my signature. 
XXXX XXXX XXXX Account Number : XXXX If you are unable to validate this account belongs to me by providing an original document with my signature, please delete this account immediately. 

To this day, Experian has not provided any validating documents and the accounts are still reporting as they originally were. This is a violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, two letters were sent to transunion. This is part of the letter sent by XXXX XXXX, requesting a correction because her credit file does not show up under her social - it shows up under her daughters social. Additionally, her daughter ( XXXX XXXX ) sent a letter requesting to have her mothers items removed from her credit report. As of today, XX/XX/XXXX, Transunion removed SOME of the accounts from XXXX 's credit report but not all. XXXX 's credit report also still has all of XXXX 's information on it, stating the wrong names, addresses and the wrong date of birth. As of this time, nothing exists under XXXX 's social so that problem has not been rectified despite multiple calls and two clear requests sent in writing. 

XXXX XXXX MISSING FILE NUMBER XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information on my TransUnion consumer report for these reasons : o My entire credit report is missing. 
o All of my credit items are listed under a different social/name.

o My social security number is NOT in Transunions system.

o All my credit inquires are being posted on a file that does NOT belong to me.
Product: Debt collection

I applied for a home loan and was notified by the mortgage company that I have a judgement on my credit report from XXXX XXXX on behalf of XXXX. I contacted XXXX XXXX on XX/XX/2018. I spoke to XXXX XXXX with XXXX XXXX at XXXX XXXX in an effort to determine the validity of this account, as well as the scope of the case/judgement. 

XXXX XXXX advised me to complete their form and send it to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I reviewed the internet to and located a different address. I prepared a letter contesting the account and judgement ( attached ) and mailed a copy, certified USPS signature required to the address XXXX XXXX provided and the one I located on the internet. Interesting enough, the one XXXX XXXX provided me was returned undelivered. The one I sent to the internet address was received by Jay ( attached ). 

I have since received no proof or response to my letter.
Product: Debt collection

I reached out to BridgeCrest through the credit bureaus As I am disputing the repossession they have listed and has indicated XXXX XXXX as the original creditor. 
I exercised my rights and disputed this via the three credit bureaus. One bureau has removed but it is still being inaccurately reported. Since I was told that it was valid and verified I sent a written request for the method of verification. I also asked for the documents they should have used by law which would have been bearing my handwritten signature and also had the original terms and sells price so we could also verify the highest amount owed that they have list. This company has not been able to provide me with ANYTHING! 
In a final attempt to settle this without having to enlist my retained legal counsel. I am using CFPB as a middle man and requesting the above verification AND method of verification or remove this horrendous item from my report.
Product: Credit card

Prosper XXXX is the company I am having problems with. I noticed a fraudulent charge from Prosper on my checking account so I called the bank and had to block any and all purchases that were under $ XXXX. Prosper then started sending me emails telling me that my account was delinquent. I called multiple times and they confirmed that I do not have an account. I continued to get the emails and I continued to call. I reported fraud to them and requested that they stop sending emails. On XX/XX/XXXX they sent an apology email saying the account is closed and there is no balance. I do not know what account was closed because I did not have one. They could not find an account associated with my name, birthdate or social security number. The reason I am reaching out to you is that this was reported to the credit bureaus and I try very hard to keep up with and establish a good credit rating. Any help you can provide is greatly appreciated. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received payment from my client, and Paypal Holds my money because acording to them, I need to have a history of payment received before they can release my money, I need to have XXXX transaction with a total of XXXX within 60 days, and after completing the requirements, all my incoming payment will be available for withdraw. but on XX/XX/XXXX, XXXX dont have any transaction and i didnt do anything on my account. they permanently limited my account. My complaint is, why they ask me to complete the requirements then all of a sudden they will permanently limiting my account
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX  Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a debt collection on XX/XX/22 in the amount of XXXX. And not sure why I now owe for a legit check
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter via mail to a TransUnion requesting a method of verification due to dispute for XXXX XXXX XXXX showing verified. However, I am 150 % sure that TransUnion did not properly investigate the collection as it was re-aged. This has caused great damage to my credit report. Also, I was advised that my inquiries were deleted. However, today was able to request an updated report and all the inquiries are still showing reported. I was told today by representative that they were removed and special handling department. Why isnt the results reflect in my credit report yet?
Product: Debt collection

I sent this company a letter of validation and requesting a XXXX since the debt has been written off and charged off. I need the XXXX for my IRS records. The company send me a computer generated statement that doesn't validate nor verify the debt, I reported this debt as a identity theft but the response was they didn't care, it's gon na remain on my record. They have failed to submit a written signature of mine, a permissible purpose, the purchase agreement and the insurance claim of the debt. 

This company never notified me of this debt to be placed on my credit file. I should have had XXXX letters/warning given to me with the opportunity to dispute this debt, but they decided, without written consent to place this on my credit file. 

This creditor is listing the account as charged off/written off and still owed a balance, how can it be charged off, written off, and still seek me for a balance of {$XXXX}. The balance owed is incorrect as well. 

This creditor continues to report for 9 months that the balance is charged off. Reporting a charge off continually is a violation of statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today was almost 60 days since I've sent dispute dated XXXX.2020 for the complaint and for Deletion of those inaccurate and unknown accounts on my credit report. But, there's no response yet. I'm a victim of Equifax Data Breach and it cause to me a lot of stress. I demand to REMOVE all that inaccurate and unknown accounts on my credit report. Or I will file a litigation.
Product: Credit card

I have a Wal-Mart credit card that I recently paid off, XXXX XXXX, in the amount of $ XXXX. Today, my wife looked at our account, lo and behold, Wal-Mart had withdrawn an identical payment on XXXX XXXX. It was listed the same way as the previous payment, an online payment. My wife called our bank, and they could stop the still pending payment, but they would charge us. Even though it was an identical amount for an insanely high dollar value. They told her to call the credit card. When my wife called them to talk to them, they went between saying we did it, our bank did it, maybe a 3rd party did it, or someone paid in store or who knows what. They tried telling her that I must have made a {$670.00} payment on a closed, zero balance card. After much arguing, they finally relented and reluctantly told my wife they would issue a refund. This however would take 7-10 days to get a check in the mail because they do n't issue electronic refunds ( despite the fact that they do electronic withdrawals ). So my wife called the bank back up who only decided to stop the payment and not charge us because we were such " good customers '' with " no previous overdraw fees ''. So then my wife had to call the Wal-Mart card back, and cancel the refund. They continued to blame us for it, and only after my wife prodded them, they admitted that had the refund continued through with our bank cancelling the payment, we would have had massive fees and fines for what they would consider " using a cancelled card. '' We finally got the whole thing resolved, but my wife had to spend all day on the phone. Wal-Mart credit card tried stealing $ XXXX from us, and we had to twist arms to get our bank of 10 years to work with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit profile is showing in accurate record when accessed by approved lender. I contacted Equifax and was asked to send in paper work for correction to be made. I spoke with a Supervisor who was kind enough to attach a note of urgency to my case. It is been day now and the problem remained unsolved. I am about to to loose my locked in rate for a refi due to this. I never changed anything on my profile nor requested Equifax to do so. My file keeps showing FRAUD ALERT VICTIM INITIAL/MISUSED INFORMATION POTENTIALLY FRAUD when accessed by my Lender. 
I need Equifax to unlock or clear the alert for access ASAP.