23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Freedom Mortgage approved my Loan Modification on XX/XX/XXXX, my call history and promised date back to XX/XX/XXXX. Finally got a manager XXXX ID # XXXX on XX/XX/XXXX he promised an overnight the modification paper next day. I waited til XX/XX/XXXX called and talked to operator whom then got me to XXXX ID # XXXX, whom started an email conversation with QNA department to expedite my process. The company acknowledges it knows the law and has up to 45 days to get me my documents for the modification loan. Still didn't get a answer so I called back XX/XX/XXXX and was still stone walled with excuses. I need my modification documents, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of  XXXX  credit accounts and the  XXXX  collection accounts associated with the original credit accounts in  XXXX    XXXX   when  On-Site.com ran a tenant screening on me. The accounts are the result of i dentity theft. I have filed a report with the Federal Trade Commission and my local police. I disputed the accounts with On-Site and supplied them with the reports from the FTC and the police.    On-Site r efuses to block or remove the fraudulent accounts. Additionally, they have not provided me with any proof of investigation into the matter on their end.  On-Site  continues to report inaccurate information. The accounts in question are   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX , and  XXXX . The collection accounts associated with the accounts are  XXXX   XXXX  x  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . These accounts are all the result of identity theft.   I have submitted disputes for all the accounts with On-Site o n 3  separate occasions. On-site has done nothing other than add my statement to their report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Repair Company has sent letters on my behalf requesting the collection agency to validate the debt. I have not received an update from the credit reporting agency or the collection agency. The accounts are still reflecting negatively on my account and none of the assumed debt has been validated.
Product: Debt collection

The caller I.D . says Midland Credit. The phone number that shows is XXXX. We have gotten daily and sometimes twice a day harassing phone calls and they have not left a message for the past 1and a half months.
Product: Credit reporting or other personal consumer reports

XXXX I am writing to formally dispute the reinsertion of information that was previously deleted from my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

According to the FCRA, any information that has been deleted from a consumers file may not be reinserted without certification from the furnisher that the information is complete and accurate. I request that you provide me with this certification regarding the reinserted information. 

Furthermore, I have not received any written notice of this reinsertion within the required timeframe of 5 business days. Please provide me with : 1. A statement that the disputed information has been reinserted. 

2. The business name and address of any furnisher of information contacted, along with their telephone number. 

3. A notice informing me of my right to add a statement to my file disputing the accuracy or completeness of the disputed information. 


In light of the above, I request that the reinserted information be deleted immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX my Chase Freedom credit card customer service claimed they regularly review account and credit information for all of their customers. Based on their review, they decided to substantially reduce my credit line from {$10000.00} to {$3300.00}. Chase claimed their decision was based on delinquency reported within the last 48 months, balance owed on revolving accounts too high, and account in collections in the last 48 months. They also said XXXX was their source and that my credit score was XXXX. First off, I obtained my Chase credit card on XX/XX/XXXX by a " pre-approval '' offer sent by Chase so that trumps their argument of delinquency reported within the last 48 months. Secondly, my revolving credit card balances they claim are too high is below 30 % on most of my credit card accounts. I always pay my bills on time. As of XX/XX/XXXX my XXXX credit score was XXXX. I believe this is a criminal and unlawful attempt to derail my credit worthiness. This decision came without notice, and has now demolished my credit ratios, and is adversely affecting my credit scores. Chase customer service has been very unhelpful. Chase has broken their fiduciary responsibility to  their customers private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a letter to Equifax ; asking them to investigate errors on my credit profile. They were supposed to respond within 30 days but they have not.
Product: Debt collection

Address for service of lawsuits To : Admin Recovery , LLC. Re : Your XX/XX/ correspondence in violation of my cease & desist notice as to XXXX XXXX XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date. XX/XX/year>, Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting

Been advised by XXXX XXXX XXXX that they will not provide quotation due to negative report by Trans Union. Contacted Trans Union and they deny and only send credit reports.. No explanation, and credit score is XXXX, XXXX XXXX!!. XXXX no help and continues to refer to Trans Union. Both entities " passing the buck '' and no concrete answers. This is damaging and a " first '' to my reputation. of 87 years! Respectfully Submitted
Product: Debt collection

I have been getting calls from PORTFOLIO RECOVERY ASSOCIATES for over 1 month now and I have picked up the calls occasionally but no one speaks and they hang up shortly after. They call me during business hours while at work and im receiving calls now past XXXX and they keep calling. Ive called back and can not reach an employee. Im XXXX, i only recently got a credit card and i dont have any debt from anything. No one im related to has died where i might have gotten their debt, i dont have any outstanding payments to anything and i keep getting calls and its seriously boiling my blood. They dont pick up and they dont stop calling. 
I have more than 5 phone numbers that have a caller ID of porfolio recovery
Product: Mortgage

I have try to communicate with the department in-charge of my complaint but they cant provide any information back to me. I tried calling, emailing but no success yet and its been 3 months already. 

My complain is the following : To Whom it may concern, I sold my property back in XX/XX/2020 and both the cardinal  and title agency sent a check to pay the property taxes and at the end the tax collector processed the title agency check. 

I called the Tax Collector here in XXXX County and the tax refund was sent to cardinal financial ( XXXX XXXX  XXXX ) My request is to send me the check of the taxes to my new address XXXX XXXX XXXX XXXX FL XXXX or wire transfer to my XXXX account. 

Property information XXXX XXXX XXXX XXXX, XXXX, FL XXXX Cardinal Financial Loan : XXXX If you contact the XXXX County Tax Collector, they can provide you with the details about this process to resolve the issue. 

XXXX County Tax Collector XXXX : XXXX XXXX XXXX I look forward to hearing from you soon. 


Thank you in advance, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal Holdings , Inc. XXXX XXXX, California USA limit my account on XXXX XXXX XXXX XXXX  without showing any reason and hold my XXXX XXXX balance in it. Shown me notification that Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds.

Then on XXXX XXXX XXXX they deducted XXXXXXXX XXXX as fee without any reason. 
My balance was showing till XXXX XX/XX/2022. 
On XXXX XXXX they deducted my entire balance available in my account by name of damages caused and showing XXXX balance. 
Paypal should give my all balance in my paypal account which they held without any delay, due to this activity I suffer business loss .Paypal mentally hrassment me, if there damage occur why they not deduct it when they limit my account, so that I could not wait for 180 days in expectation that I will get my money, it's completely scam, fraud and mental hrassment. 
Please help me to get my money back from paypal. 
I sent email to refund my money on XXXX XX/XX/2022 but get no response by paypal. 
My paypal id is XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, I received a letter from Charles Schwab that I had a account opened fraudulently I did not open this account. The letter is dated XX/XX/2021. I have contacted them to tell them that it was open fraudulently without my knowledge.
Product: Mortgage

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately. The company has any Signing the agreement or document to show I 'm responsible. 

SENECA MORTGAGE LLC Account # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I noticed that several items in my report are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. The results I received did not fix the inaccuracies. They are in violation of federal law : According to 15 USC 1681e ( b ) it states this : Accuracy of report.

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 ( 5 ) it stats this : Treatment of inaccurate or unverifiable information : ( A ) In general if 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 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 promptly notify the furnisher of that information that the information has been modified. 
According to 15 USC 1681 ( s ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, 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. 

According to 15 USC 1681s-2 it states this : ( A ) Reporting information with actual knowledge of errors, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notifed by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is in fact inaccurate. 
This is unfair treatment. Please fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have previously filed complaints against Peroutka et al and they have provided you with false or misleading information, While it is true one of the loan agreements is in litigation, as of this writing it is not in arbitration because Peroutka refuses to pay the fees. 

The second loan agreement is not part of any litigation or arbitration and therefore their response is false on its face and they are refusing to engage in arbitration as required under the loan contract. They are obviously not taking these complaints seriously and are providing you with false information. they are also in violation of the Federal Arbitration Act and CFPB regulations. Because of the agregious nature of their acts I am requesting that the CFPB file an enforcement action against XXXX XXXX and their attorney and collect a civil penalty in accordance with the regulations. 

To be clear, in their response they said that both loan agreements were in litigation. One was and one was not. Neither are in arbitration at this time. See complaint number XXXX for more information.
Product: Mortgage

During XXXX XXXX, XXXX XXXX XXXX paid their attorney {$1500.00} to file Bankruptcy in order to stop the sale date of my home. XXXX XXXX is foreclosing on my home and has set a new sales date of XX/XX/22.
Product: Debt collection

Dis debit was over 15 years ago now is showing up on my credit report as something that just happened
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly.

Payment History and Errors Experian similarly maintains the incorrect late payment entry for XXXX, despite my past disputes. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Experian. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report.

Written Confirmation : Please provide written confirmation of this correction.

If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} Collection : ( Original Creditor : XXXX XXXX ) XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am expressing my serious concerns regarding the unauthorized access to my personal information and the reporting of information to credit bureaus by your XXXX XXXX and LVNV Funding Collection. After a thorough examination, I am not aware of any contractual relationship or agreement that would authorize these agencies to handle my personal information or report any details about my financial obligations. 

I understand these companies may be engaged in debt collection activities ; however, it is imperative to emphasize that the absence of a contractual relationship between me and you raises questions about the legality and validity of their actions. As a consumer, I have not entered into any agreement or contract with either agency that permits the collection of my data or authorizes the reporting of such information to credit reporting agencies. 
According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair credit reporting, and any information reported must be substantiated and legally permissible. I am concerned that the reported information may be I kindly request that they provide written documentation establishing the legal basis for their collection efforts, which they failed to produce, and the reporting of information to credit bureaus concerning my account. 
Additionally, please provide any relevant contracts or agreements that authorize your agency to handle my personal information and report on my credit. accurate, incomplete, or reported without proper authorization. 
Until such time that proper authorization and documentation are provided, I insist that they cease all collection activities related to my account and remove any reported information from my credit report. 
Failure to provide the requested documentation within [ reasonable timeframe, 15 days ] will compel me to escalate this matter to the appropriate regulatory authorities and pursue legal remedies available to me under applicable laws.