23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XX/XX/XXXX, I entered into a new vehicle lease with Toyota Financial. At the same time, I was in the midst of moving XXXX XXXX XXXX XXXXXXXX. I have leased vehicles through Toyota Financial for the past 5 years. During this time, I have always had my payments scheduled to automatically withdraw from my checking account, and I have not once had a late payment. With my move XXXX XXXX XXXX XXXX, there was an additional tax added to my payment that I was unaware of. Having my payments automatically withdrawn each month, I trusted that everything was okay. Over the course of the past XXXX years of this current lease, I have spoken with Toyota representatives numerous times and was never informed that I had an outstanding balance. In XXXX of XXXX, I received a letter stating that I had an unpaid balance. After receiving this notice, I called Toyota and spoke with a representative who informed me that the amount due was the difference in amount from the monthly increase ( though, she was unable to tell me why there was an increase ). Having this brought to my attention, I promptly sent an electronic payment to cover the entire balance. To my great displeasure, this incident resulted in a negative mark on my credit reportstating that I had a 30 day late payment, when in fact, I have not been late with one payment. This negative mark destroyed my previously excellent credit score. I have spent hours talking to Toyota Financial representatives and writing to the company directly to dispute this mark on my credit and requesting to have it removed.
Product: Debt collection

I received a letter from Professional Placement Services LLC dated XX/XX/XXXX stating I owed them money for a medical debt. I checked my credit report and did not see any debt collection on it and believe it is not mine so I sent them a debt validation letter per FDCPA law 15 USC 1692g Sec. 809 ( b ) on XX/XX/XXXX. I also informed them in the letter that under the FDCPA and FCRA laws it is a violation if they report this inaccurate account to any of the credit bureaus. On XX/XX/XXXX I received and email alert from XXXX XXXX that new information was just added to my credit report. I signed in and saw that Professional Placement Services LLC added a negative collection account to my credit report. They still have not responded to my debt validation letter and they illegally placed this account onto my credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX. 

The consumer reporting agency that is reporting this account has violated my rights. I looked at my Equifax credit report after I received an alert regarding an account that was being reported, XXXX. 

Upon further review, I noticed some of the information on this account is incomplete and inaccurate. 

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 ).

Additionally, according to 15 USC 1681 5 the consumer reporting agency is supposed to do this in reference to ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In gene
ral, after any reinvestigation 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Also, according to 15 USC 1681s-2 the consumer reporting agency is not supposed to 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. 

The information on this account is inaccurate and I am requesting for it to be removed from my credit report according to the laws of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I attempted to make my monthly payment on XX/XX/XXXX from my linked XXXX account. I received a notice that the payment was returned but with no explanation. I attempted again the next day to make a payment from my linked bank account and it was returned. I called and spoke to customer service and they said it was an unknown error and suggested I unlink/relink my XXXX account. I attempted to do so but couldnt get them to link back up. Another strange error. The late fee was waived but no explanation of why the payment was being returned. I finally just used the IVR phone system and paid. While it was a different account I still never received information as to why my attempted payments were reversed. 
I then received a letter from PayPal credit on XX/XX/XXXX stating they were asking the credit bureaus to delete any delinquency from XX/XX/XXXX - XX/XX/XXXX. Ive never been anywhere near 30 days so Im concerned why I was receiving this letter.

I then accessed my account today and there is a statement on the app saying my PayPal Credit account has been closed. There has been no notice or other information provided as to why this occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the items are UNKNOWN to me. please remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.
Product: Mortgage

Dear CFPB Representative, I am writing to follow up on my prior complaint regarding Select Portfolio Servicing ( SPS ) and to highlight their continued bad faith practices, which are causing irreparable harm to the loan they service on my behalf. 

In their most recent correspondence, SPS explicitly confirmed that they had paid the insurance for my property. However, they have now arbitrarily deleted the insurance information from their system. This action is entirely unjustified, as I have not sent any written communication requesting the cancellation of the escrow account or insurance payment. Despite my compliance with all requirements, SPS has unilaterally and without notice made changes that negatively impact the status of my loan. 

For your reference, I am including the insurance information that verifies coverage for the property in question. This documentation underscores that SPSs claim of canceling the insurance due to any action or inaction on my part is baseless. 

It is evident that SPSs conduct is both excessive and egregious. Their pattern of behavior, including altering loan-related records and failing to act transparently, is emblematic of predatory lending practices. This continued mistreatment has forced me into a marathon of written communications to seek redress for their actions, which adds unnecessary stress and administrative burden. 

I respectfully request that the CFPB investigate SPSs actions, hold them accountable for their bad faith practices, and ensure corrective measures are taken to prevent further harm. The systemic issues at SPS are indicative of a larger problem that affects not only me but likely many other borrowers as well. 

Thank you for your attention to this matter. Please let me know if any additional information or documentation is required. I look forward to your prompt assistance in addressing this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I purchased this home after a divorce and worked 3 jobs to purchase my home as a single parent. In XX/XX/XXXX I lost my employment of 20 years with XXXX XXXX XXXX and was unable to make my mortgage payments. I contacted my lender, Wells Fargo Bank, and they granted me a Loan Modification with adjusting rates and payment as follows with a term of 40 years. Please note, my property taxes and home owners insurance are impounded in these payments approximately {$380.00} as follows : XX/XX/XXXX-XX/XX/XXXX - 2 % interest - Payment {$1200.00} XX/XX/XXXX-XX/XX/XXXX - 3 % interest - Payment {$1300.00} XX/XX/XXXX-XX/XX/XXXX - 4 % interest - Payment {$1500.00} XXXX - 4.6 % interest - Payment {$1900.00} ( increase includes HERO PROGRAM increasing property taxes by {$3000.00} annually instead of {$1500.00} annually ) XX/XX/XXXX-XX/XX/XXXX- 5 % interest - Payment TBD In XX/XX/XXXX, I was forced retired and was not able to gain full-time employment ; consequently ; I am was only able to get a part-time seasonal job earning approximately $ 1000 monthly during the months of XXXX through XXXX plus my social security benefit of {$1500.00}. I do not work during the summer months, therefore, my monthly mortgage payments are unaffordable during these summer months. <P/>Here is how this process works to apply for the MAP. You must submit over 100 pages of documents such as 2 prior years of federal and state taxes, 2 months of pay stubs, recent bank statements, letter of hardship, etc. However, only the " Income and Expense '' page is reviewed by the underwriter. If you have equity built in your home, then you are automatically denied assistance. Wells Fargo makes you believe they are going to assist you throughout the process but know you will be denied assistance regarding of your financial hardship, which Wells Fargo refuses to admit you have a financial hardship. <P/>PLEASE READ XXXX AND XXXX XXXX XXXX AND YOU WILL SEE HUNDREDS OF WELLS FARGO CUSTOMERS GOING THROUGH THIS SAME PROCESS AS I HAVE FOR 3 YEARS BEING PROMISED ASSISTANCE WITH THE MORTGAGE ASSISTANCE PROGRAM INSTEAD, CUSTOMERS ARE ALWAYS LOSING THEIR HOME TO FORECLOSURE. <P/>I am requesting that you please have my lender, Wells Fargo Bank, lower my house payment and not make me move or lose my home to foreclosure because this month, XX/XX/XXXX, I am unable to pay my mortgage payment. I beg that you please have these lenders help keep their customers in their homes especially after retirement.
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. 


XXXX  XXXX  Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : XXXX, has violated my rights. 

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: Debt collection

RADIUS GLOBAL SOLUTIONS HAS FRAUDULENTLY ACCESSED MY PRIVATE AND PERSONAL CREDIT HISTORY WITHOUT FIRST OBTAINING MY WRITTEN CONSENT. THEY ARE A THIRD PARTY DEBT COLLECTOR AND HAVE NOT BEEN GRANTED ANY PERMISSION BY ME TO ACCESS ANY OF MY PRIVATE OR PERSONAL INFORMATION. I HAVE NEVER CONTRACTED OR AGREED TO DO ANY BUSINESS WITH THEIR COMPANY. THEIR ACTIONS ARE A DIRECT VIOLATION OF FDCPA AS WELL AS MY PRIVACY RIGHTS. WHEN I CONTACTED ONLINE INFORMATION SERVICE THEY REFUSED TO GIVE ME DETAILS ON XXXX ) HOW THEY OBTAINED MY PERSONAL INFORMATION XXXX ) WHO GRANTED THEM ACCESS XXXX ) SENDING ME ANY SIGNED AGREEMENTS OR CONTRACTS BEARING MY SIGNATURE IN AGREEMENT TO CONTRACT OR DO BUSINESS WITH THEIR COMPANY XXXX ) ANY SIGNED DOCUMENTATION FROM ME AGREEING TO GRANT THEIR COMPANY ACCESS TO MY PRIVATE AND PERSONAL INFORMATION I DO NOT AGREE TO CONDUCT ANY BUSINESS WHATSOEVER WITH RADIUS. MY PRIVACY RIGHTS HAVE BEEN VIOLATED AND BECAUSE OF THIS FRAUDULENT REPORTING I AM SUFFERING GREAT MENTAL ANGUISH AND STRESS IN WHICH IF NOT RECTIFIED PROMPTLY I INTEND TO SEEK DAMAGES TO THE EXTENT OF THE LAW FOR EACH OCCURENCE.
Product: Payday loan, title loan, personal loan, or advance loan

They did not call or notify me by mail that I was going to be sued for payment. I was served papers after I made a payment two weeks prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I have communicated with the credit bureau on the behalf of CFPB. I have remained patient in efforts of correcting the accuracy of my credit profile. 

I found inaccurate authorization of inquiries on my report that I want to remove from my credit report 1.XXXX ( Finance ) 2.XXXX XXXX XXXX XXXX ( FINANCE XXXX 3XXXX ( FINANCE ) Also I need a conformation that are no freezes or alerts that on my credit profile
Product: Checking or savings account

I have an account with Revolut ( US ) backed by XXXX XXXX XXXX in XXXX XXXX, NY. 

XXXX has locked me out of my account and the funds held there because I tried to top up an XXXX XXXX account to pay a friend for a meal. 

Theyve stated this is action against there policy and will not give me access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, SYNCB add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

The Caller 's ID is : Client Services. The automated calls to my home phone number come in XXXX times daily. 
The area code for Client Services is ( XXXX ). 
The following are the ( XXXX ) exchanges + a total of ( XXXX ) different phone numbers so far : ( XXXX ) XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX ( XXXX ) XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX ( XXXX ) XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX ( XXXX ) XXXX and ( XXXX ) XXXX / XXXX
Product: Debt collection

There is a collection listed TD Bank that still shows I owe which is NOT accurate. I have disputed this several times, it is inaccurate and needs to be deleted.
Product: Mortgage

I have continuously paid my mortgage on time since the year XXXX. My payments were automatically set by allotment ( monthly ) while serving in the active XXXX. 
My allotment was juggled between finance companies : Greentree Financial, DiTech ( current ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as successors to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, as successor XXXX XXXX and XXXX XXXX, as Trustee of XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX vs. XXXX My allotment suddenly changed to a Life Insurance Policy without my approval or a change allotment of my automatic payment. 

The following Company : Conseco LIC and Conseco Finance XXXX XXXX, hacked my allotment from Ditech ( current ) and without any notice ... DiTech placed my account in the negative. 
In XX/XX/XXXX, I called DiTech to make them aware of the Conseco Company receiving my payments. DiTech was not acknowledging Conseco and stated that they will investigate the issue. Ditech sent me a letter ( XX/XX/XXXX ) stating that all financial transactions stop until the investigation was complete. 
I did not receive any reports about the investigation after 30 days, as promised by Ditech Financial. 
MY HOUSE IS IN FORECLOSURE ( Sale XX/XX/XXXX ). 
I am waiting on the investigation report that I never received.
Product: Credit reporting or other personal consumer reports

I am formally disputing a fraudulent charge/ account that appears on my credit report. 
This charge was not authorized by me and is the result of a data breach. Despite my previous disputes, this negative item continues to be reported incorrectly. I am demanding its immediate removal under the Fair Credit Reporting Act ( FCRA ). 
Details of the Disputed Item : * Creditor/Company Name : XXXX  XXXX * Account XXXX Reasons for Dispute : * I did not authorize this charge/account.

* My personal information was compromised due to data breach.

* The Fair Credit Reporting Act ( 15 U.S.C.

* 1681i ) requires accurate reporting, and this charge is incorrect.

*
Product: Mortgage

My ex wife has used my name, social security number and forged several documents, dating back from XXXX to present with your company for loan modifications. I sent you several documents advising I would never sign anything for the loan modification, yet your company did in fact accept the forged documents and modified the loan... now my ex-wife is in forcloser and she is/ has ruined my credit.
Product: Payday loan, title loan, or personal loan

To Whom It May Concern, I currently have a VA Loan with XXXX XXXX XXXX   being serviced by Dovenmuehle Mortgage , Inc. For the last seven months, I have attempted to reach out and request numerous updated Escrow Analyses to be reperformed on my VA loan. Every time I talk to a representative for an explanation, they tell me they didn't receive my request or my re-request for an updated escrow analysis and re-submit a new one. However, every month I get another letter stating that they reviewed by Escrow Account and made the necessary adjustments and/or that they thought the Escrow Account was analyzed correctly. However, when I call back and speak to a Representative and explain the support I provided, they agree with me and re-submit my account for a reperformance. I have attempted to do this many many times and I feel that they are not listening or do not care. However, I am sure I am not the only person who is going through this and being previously in the Loan Servicing Company. I feel Dovenmuehle does not appropriately or accurately assess Escrow Accounts and I am sure I am not the only borrower they have done this too. I would like someone from the CFPB to look into this. In addition, I will be reaching out to my VA Representative to see what steps I can take to have another Mortgage Loan Service Provider.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report inaccurate information that is causing identity theft issues and me to be denied credit since their information does not reflect what is accurate. My name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX there should be no variations of my name nor any other addresses listed on my consumer report. I have provided documentation to prove my identity and my lawful residency.
Product: Prepaid card

I received an American Express virtual gift card as a XXXX gift from a coworker for {$300.00}. I called the number for AMEX to activate the card upon receiving it, and got confirmation over the phone that it was activated. I have tried to use the virtual card at multiple places such as target, instacart, and tried a few random websites including linking it to XXXX to see if it would work. All of the transactions keep getting declined even though XXXX trying to make transactions with a significantly lower amount than what the balance of the card is. I called American Express, they can give me no real answers or solutions as to why the card is not working and keep telling me to just use it at different places, which I have, and the card does not work anywhere at all. They will not do anything else to solve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent for my credit report to be sent to anyone agency
Product: Credit card or prepaid card

XXXX XXXX XXXX, XXXX, -XXXX XXXX XXXX, XXXX, XXXX : sold us a concept to eliminate our timeshares and give us VIP LIFETIME Membership to XXXX FOR {$20000.00}. XXXX had the association with Capital One CC XXXX FOR PEOPLE TO APPLY FOR CREDIT SO THEY OFFERED A {$10000.00} EACH -APPLICATION FOR MY WIFE AND me CAPITAL ONE ACCEPTED US AND CHARGED EACH OF US XXXX IN XXXX OR XXXX MY WIFE AND I FOUND OUT THE COMPANY WAS A FRAUD ... WE FILED WITH CAP ONE A FRAUD COMPLAINING AND THEY DISMISSED MY wifes AND REFUSED MINE. I CONTINUED TO DISPUTE THE CLAIM AND THEY REFUSED THE FRAUD CLAIM SAYING THE COMPANY REJECTED HIS CLAIM ... I wrote them several letters to prove the bill. I HAVE RETURN RECEIPTS AND TRACKING CODES FOR MAIL. They just kept sending a bill with no proof of the bill. I sent them a final cease and desist to claim I owe a fraud bill ... 
We have never received any service for the charge and the company is out of business with no way to contact them ... We have been denied membership with XXXX, so the whole thing was a fraud. 
They refunded my wife {$10000.00} plus the {$100.00}. She paid and refunds that also. XXXX XXXX XXXX XXXX I would like a total refund FOR ALL I PAID and a clean credit instead of a charge off. 
Case XXXX ACCT XXXX after my Cease and desist letter they charged the bill off and sold the collection to a law firm to collect. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX FILE NO. ; XXXX I ALSO SENT 3 LETTERS TO THEM AND A FINAL CEASE AND DESIST, LETTERS WITH TRACKING AND RETURN RECEIPTS ALSO. THEY STILL CONTINUED TO HARASS ME WITH A COLLECTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach XX/XX/XXXX. 
Final approval of settlement XX/XX/XXXX.
Product: Mortgage

I have been making payments to Carrington Mortgage Services for 2 years. My home has recently been foreclosed and sold, without my knowledge, and without my being allowed to rectify whatever problems thay are claiming there are with my payments. I received a form recently in the mail saying that my loan was in foreclosure, and when I called the company, I was informed that the house had already been sold to to their sister company! I also just received a check from them refunding my last few months of mortgage payments. THIS CA N'T BE LEGAL! I NEED HELP! I have called lawyers, bankers, judges, and everyone that I can think of in hopes that someone can help, but no one seems to be sure what recourse I have against these people other than trying to buy my mortgage back? Again, please help. I am a single mother of XXXX who works nights as a XXXX and this house is the only equity that I have. If it is stolen from me, I will have nothing to show for a decade of mortgage payments on a house that I personally designed and built. This company appears to have the legal authority to do what they have done, but I have not been informed why or how they have foreclosed.