23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

M & T Bank and XXXX Bank NA did a fraudulent foreclosure on my homestead home. I 'm the person who is name is on the note & mortgage that these XXXX Banks presented to the court. My original complaint was to XXXX, case # XXXX, but XXXX 's response is that they had transfer the loan to M & T bank, but the only name on the plaintiff is XXXX. These XXXX banks have put a cloud over my deed and foreclose on my with out bringing me in the case, this is fraud. Because a bad loan modification that XXXX did & denied in court that it happened.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some inaccurate personal information that was reporting. I have made a list of all of the inaccurate personal information that I would like removed. I am in the process of starting a business and I can not get access to business loans. Please review all of my documents and remove the inaccurate information that is listed. 

Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Mortgage

We filed a CFPB complaint against HFC for valuation fraud and they responded by telling me that i didnt send the complaint to the right lender. This is just another attempt by HFC to defraud their clients. I want this STOPPED. It is obvious that i sent both CFPB complaints to the same lender -- SEE ATTACHED COMPLAINTS FILED XX/XX/XXXX AND XX/XX/XXXX WITH LENDER INFO CIRCLED IN RED. They responded to the 1st complaint by stating that they do not have to follow CFPB guidelines. They responded to the 2nd complaint by stating i didnt send the complaint to the  right company. Both of these are examples of misdirection and fraud. It is obvious HFC has no desire to adhere to any kind of moral guidelines, much less following the laws set forth to protect the consumer. I have attached both of the previous CFPB complaints here. It is obvious they were both sent to the same company - HFC. Why is HFC allowed to continue this FRAUD??
Product: Credit card

I use a payment service to pay my bills ... Always have with pretty much no issues that could n't be resolved. 
I scheduled my ( XXXX ) payment for my Walmart card as I always do but apparently the payment was sent to Walmart a day late. I did n't realize that I was assessed ANOTHER late fee until I got ready to pay my new bill ( XXXX ) that came out. I went ahead and paid my bill ON TIME minus the late fee while disputing the fee with Walmart. After some back and forth they finally reversed the fee but at the same time assessed me ANOTHER late fee because I did n't pay they previous full amount. I explained to them that I was not obligated to pay an amount that was in dispute and they followed up with they ca n't fix it and that I have to pay the full amount. 
I find that not to be true and it to be unfair because of one discrepancy. Now I 'm getting collection calls for basically another late fee that I am refusing to pay. I have asked them to fix this situation to no avail.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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
Product: Student loan

I filed a lengthy School Misconduct application through Navient which was received on XX/XX/XXXX but denied yesterday XX/XX/XXXX. My denial letters for all 3 of my private loans were very vague as to why they were denied. I have included them in the attachments below. I attended The XXXX XXXX XXXX XXXX XXXX from XXXX and have been unable to obtain my official transcripts to further my career and education. 

On XX/XX/XXXX I received an email that the U.S. Department of Education has determined that my federal student loans I received to attend the XXXX XXXX were eligible for full discharge. The XXXX XXXX XXXX XXXX XXXXXXXX engaged in unlawful conduct and made pervasive and widespread substantial misrepresentations that borrowers such as myself relied on. 

This misconduct affected students who were enrolled at the XXXX XXXX from XX/XX/XXXX XX/XX/XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefit connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by the XXXX XXXX, XXXX has determined that it is appropriate to discharge the outstanding loans made to all students who enrolled at The XXXX XXXX during the period described above. I feel Navient should do the same for its borrowers. 

My Borrowers Defense application ( application # XXXX )
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX, XXXX XXXX, GA XXXX NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern Your company is illegally trying to collect and is furnishing false items that violates my consumer rights and FDCPA and FCRA. Be advised that your claim is disputed. Debt validation has to be provided in accordance with the Fair Debt Collection Practices Act, 15 USC {$1600.00} and as amended by adding the following new Title 8 US {$800.00} et seq., and the Fair Credit Billing Act, 15 USC. {$1600.00} et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any alleged obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the " debt '' by complying, in good faith, with this request for validation and return it to me, within XXXX ( XXXX ) days of receipt of this letter. 

This is was NOT a request for " verification '' or proof of Claimant mailing address or copies of bank statements you could find, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached " Declaration and Proof of Claim '' that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of XXXX credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : -
Product: Vehicle loan or lease

Purchased a new vehicle in XX/XX/XXXX and last payment scheduled for XX/XX/XXXX. Lender engaged in negative amortization and did not apply payments towards principle as required. Lender is attempting to collect or have me refinance left over negative amortized interest at end of loan maturity date. Lender is under lawsuit by Attorney Generals AA part of multi-states settlement ; required to offer waiver loan balance and release of titles to lenders. They classified lenders with some " internal code '' and loan/lending practice that result in consumers at risk if default, repossession and adverse credit ratings. Loan and lending practices result in loss and negative impact on consumer. When contacted the lender, Santander Consumer Bank, refused to explain how there can be any balance left when all payments made on vehicle ; would not explain or provide me with " internal code '' used or even explain it. Customer service would not allow me to go up chain of command to discuss problem with so called " administrators '' and just hung up on me several times or passed me around to it her reps. Company engaged willingly UN predatory practices that area illegal and unfair. Considering they are already under scrutiny by various states attorney general 's offices to provide refunds, release of titles and waivers to consumers impacted by their predatory loan and credit practices, one would think they would work hard to redress and offer relief and make amends for their illegal and unfair actions that negatively impact customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my personal information corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed a fraudulent credit card opened under my name with XXXX XXXX  opened end in XXXX with a balance of XXXX $ this is fraudulent and I need it removed
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find the following attached : FTC complaint, ID, XXXX report showing my information has been exposed in a national data breach and a validation of debt letter.
Product: Checking or savings account

TD Bank converted their online banking system over the weekend of XX/XX/XXXX and XX/XX/XXXX. The new system came up on Monday, XX/XX/XXXX, but was not fully operational. We can access account data, but the Bill Pay function is not working at all. I pay almost all of my bills using the bank 's Bill Pay function, so I am at a loss. I have called, and emailed, and visited my local branch, but no one can tell me anything, just that they are working on it. Someone needs to get to them, and make them either fix the system, immediately, or back out of the conversion and go back to the old system. I am sure that TD Bank will not cover my late payments and interest if I can not pay my bills due to their failure to convert their system correctly and in a timely manner. As a consumer, I am being ignored, and I would like some one to put pressure on them IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Was reported 30 days late on XX/XX/2023. 

I have never been late, and want this information to reflect correctly on all credit bureaus. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section XXXX ) XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Thank you.
Product: Vehicle loan or lease

Dear Westlake Financial and Westlake Portfolio, I am writing to request investigate of the following information that appears consumer credit report : Dispute 1 Amount : {$25000.00} ( down payment included ) Years associated with item being disputed XXXX Explanation of item being disputed : The account in question is showing past due/delinquent payments and repossessed by this company. I havent sign a contract with Westlake Financial or Westlake Portfolio and have been requesting for a contract. I made attempts to get this matter resolved by calling Westlake with hopes of a supervisor help to resolve this issue. A request for a manager and supervisor email was ask for communication during this issue but no response. Now with that Westlake has violated many laws : 15 USC 1692a 15 USC 1692f 15 USC 1692k 15 USC 6802 *Laws Are Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT
Product: Mortgage

I made a transfer from my checking account to my mortgage of {$14000.00} on XX/XX/XXXX. My mortgage number is XXXX. I wrote an email to a XXXX  representative after noticing that the funds were not applied. I wrote the following to XXXX XXXX on XX/XX/XXXX : XXXX, I made a {$14000.00} transfer to my mortgage account XXXX on XX/XX/XXXX. 

I would like {$6000.00} applied to the mortgage payment due, I would like the balance or {$7900.00} applied to principal. 

I saw the funds are sitting unapplied as a miscellaneous receipt. 

XXXX XXXX Later the funds were improperly applied to XXXX and XXXX payments. 

The process to pay additional principal is unclear and inconsistent. I regularly pay extra to reduce my principal and its commonly applied correctly. Every few months it is incorrectly applied. There are no instructions or clear process for me to follow to pay principal at TD Bank. I am shocked this process doesnt exist and that its not clear on the online access portal. 

In addition, communication to discuss this matter is also poor. If it were possible to speak with someone directly or have a return call that would help.
Product: Vehicle loan or lease

I am requesting that Hyundai fully investigates my case and is held accountable for their continued lack of response and negligence in handling my account. Hyundai has failed to provide supporting documentation of my total loss car.

I email and called Hyundai multiple times requesting the total loss details including a report and photos of the vehicle that Hyundai took while picking up the car from storage and preparing the car for auction ( all XXXX corners of the vehicle, the damages, the odometer, XXXX XXXX, and license plate ) to be able to write up a total loss evaluation with an auction sell price of {$7200.00}. 

Hyundai was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed against the party at fault. While the lawsuit with the party at fault was ongoing, Hyundai asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account. On XX/XX/year>, Hyundai issued a {$7200.00} check ( attached ) for the sell of the car that happened on XX/XX/year> without providing a report and pictures with a justification on the sell price. 

Hyundai has not responded to this specific request and instead continues to send me alternate files that are not requested as noted in my XX/XX/year> email ( attached ) ; Hyundai provided a contract instead of total loss report/photos.

I am filing this complaint as Hyundai continues their lack of response and shows negligence in handling my account. I am requesting that Hyundai investigates my case fully and provides the total loss details including a report and photos of the vehicle that Hyundai took while picking up the car from storage and preparing the car for auction ( all XXXX corners of the vehicle, the damages, the odometer, VIN plate, and license plate ) to be able to write up a total loss evaluation with an auction sell price of {$7200.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXXXXXX {$420.00} Online Information SER {$760.00} XXXX XXXXXXXX XXXX  {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal.
I do not and I have never had a contract with this company. I am not liable for this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Inaccurate Reporting To Whom It May Concern, Recently. I've reviewed my credit reports and found the following inaccurate late payments XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/year> Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my legal team to file complaints with the FTC, CFPB, Attorney General of MO, along with any further legal action we deem necessary including but not limited to civil and punitive damages Please provide me an updated copy of my credit report upon completion of your investigation. 

Best Regards, XXXX XXXX XXXX
Product: Mortgage

I received many, many letters from JPMorgan Chase offering refinance and decided to refinance with the office in XXXX Ohio. They said I easily qualified for a refinance due to the heated real estate market in my neighborhood. The refinance came down to an appraiser who filed an erroneous report that did n't even describe our home. We raised this with the bank which is in the process of refunding our fee. Below is  an email I had to send to kick off an appeal process. This bank wasted many, many hours of my time which I could have used working with a more competent company. Per our discussion we would like to formally appeal the appraisal which we believe, having consulted multiple realtors and licensed appraisers, is erroneous and not even close to reflecting home values in our neighborhood. The appraiser actually used 2 tear downs sold over 8 months ago ( even though there were multiple comparable sales to choose from in the last 6 months ) and one home she selected was n't even in our zipcode! For some odd reason, she used a pending sale on XXXX XXXX ( near her own house no less ) when there were 2 clearly more recent comparables on the same street that actually sold for XXXX and are closer to my house. Also based on the lack of questions she was asking I could tell she was either inexperienced or going to be very lazy with this appraisal. If you do n't believe me simply look at the details of the appraisal document where she has included " Functional depreciation for pool '' because she was copying and pasting from another appraisal. She even got the total number of rooms incorrect and did not include any of the energy efficient items I noted to her. I shared this with many of my realtor friends and not one of them can believe this is a licensed appraiser. We are all absolutely dumbfounded by this clearly incompetent assessment. We have had multiple offers on the property for XXXX XXXX and over ( 300K over appraisal ) especially since it is a corner lot, in a coveted neighborhood and boasts the best public school in XXXX This is tremendously shoddy work and Chase should  demand better results from its contractors.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Date opened : XX/XX/ Balance : {$5200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I Disputed The following account on my file for XXXX. No validation has been provided to me and other Credit agencies have removed this from my file but Equifax insist they have validated this account but they have not provide me proof and they continue to report this bogus account on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a signed contract nor any contract with The Bureaus. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with The Bureaus.