23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

my social security number was used to create an account for mortgage loan which i never received equal consideration as the bank. it is not lawful to use my social security number in a consumer transaction, therefore it was misused and reported on my credit report. Also, its showing up as an active finance account, which I never received the funds to purchase a home. How is this possible? this is clearly fraud. and JPMCB sold my bond to a third party that is now showing up on my credit report through XXXX XXXX and XXXX as XXXX XXXX second issue is that I never applied for anyhting at XXXX XXXX XXXX and there is an inquiry showing up on my credit report, how is this possible, these banks are openly committing fraud and misusing the consumer 's social security account for their own gain leaving the comsumer with nothing and we a re the creators of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

Dear XXXX I am responding to your contact about a debt you are trying to collect. You have identified the debt as " XXXX XXXX Bank, XXXX ". I received your notice via my land lord __________, the notice was not in a seal envelope, and was given to a XXXX Veteran who has XXXX and is confined to a small living area above my basement conversion apartment that I rent and use when in Utah. I am not sure on the date received or how long he had it on his coffee table. It was upsetting to him and I like my personal business mine. ______ said a man in a truck banged on the door and handed it to him when he finally was able to get to the front door and open it. I will protest this method of delivery. XXXX XXXX XXXX XXXX ] XXXX ( b ) " Illegally inform a third party about your alleged debt '' Unless you have expressly given permission, collectors are not allowed to inform anyone about your debt except : Your attorney The creditor The creditor 's attorney A credit reporting agency Your spouse your parent ( if you are a minor ) [ XXXX XXXX XXXX ] XXXX ( b ) How long do I have to respond? Utah Rules of Civil Procedure require that a response be made within 21 days of service. The 21 days begins the day after you were served the Summons and Complaint. Weekends and holidays are included, but if day XXXX is a holiday or weekend then the response will be due the following weekday.
Product: Debt collection

Affiliate Asset Solutions called my work twice, even after I told them I could not accept personal calls at work. I have told them twice orally and sent them registered mail. Guess the next step is a lawsuit.
Product: Credit card or prepaid card

I realized on XX/XX/XXXX that I overpaid my XXXX XXXX ( XXXX ) by {$920.00} due to making a payment and having one scheduled. My account was at a XXXX balance ; therefore, I have a {$920.00} credit. I called on XX/XX/XXXX to request this be deposited back in to my bank account. The rep said general practice is to send a check that I would get in 7-10 business days. I demanded the money be deposited back in to my account. She said it would take the same amount of time and I said that was fine. On XX/XX/XXXX I called to get status ; I was told it was still in process and to give it a few more days. I called a couple more times, but do not have those dates. Yesterday ( XXXX ) I called again and demanded to speak to a supervisor because I still did not get my money back. On another date I demanded to speak to a supervisor and got transferred to another CSR who admitted she was not a supervisor. The supervisor I spoke with yesterday said she would get this escalated and that when I called on XX/XX/XXXX the CSR did not do anything to get the process started. When I called on XX/XX/XXXX no one mentioned that. When I would call to get status I was always just told to give it a little more time. The supervisor I spoke with yesterday said she would call me back that day. I have yet to get a call back and still have not gotten my {$920.00} credit. I'm a single mother who needs this to pay my mortgage. I'm beginning to think I will never get it.
Product: Mortgage

My name is XXXX XXXX XXXX and my mortgage company has recently changed from XXXX XXXX XXXX to PHH Mortgage as of XXXX 2016. I received a mail notification with direct debit payment set-up information early XXXX. I submitted direct debit payment request with a void check from XXXX on XXXX XXXX 2016 and received a confirmation from PHH direct debit solution on XXXX XXXX, 2016 that the payment ( normal monthly payment plus a additional {$500.00} principle ) will be drawn on XX/XX/2016. However, the payment was not drawn on XXXX. XXXX and I was not notified until XXXX. XXXX via mail. Without notification, PHH has already filed a report to the credit bureau which significantly impacted my credit score. I called PHH on XXXX. XXXX and made a payment by phone directly which I was advised the payment went through successfully. I followed up on XXXX XXXX and was notified the payment got rejected for " incorrect account # ''. I was not notified proactively by PHH but had to constantly follow up on the status. I was informed to either submit a payment online or physical check. I did both submission with 1 month payment each, as payment may not go through as expected and to prevent further delay due to PHH systematic errors. The online payment went through though I had to pay a service fee yet the amount of the physical check was not drawn from my account for XXXX days. I called on XXXX XXXX and found out the check was " rejected '' due to the loan was not current. Furthermore I was advised by the collection department that a " foreclosure statement '' has been issued due to the account has over 3 months overdue. I questioned the amount that I submitted online was taken.from my XXXX XXXX account on XXXX XXXX ( submission date XXXX XXXX ). The clerk ( named XXXX ) advised nothing was shown on their system hence I should process phone payment immediately to bring the account to current. I just mailed out another check on XXXX XXXX for 2 months payment of {$2800.00}. In order to prevent overdraft, I had to cancel the check from XXXX XXXX the same day, which cost another {$30.00} fee. I advised the XXXX the account was not working when I attempted to make the payment in XXXX. XXXX advised me the payment should be taken within 24 hours and he will give me a call on XXXX XXXX. XXXX did not give me a call on the XXXX and the payment was not drawn. I called again on XXXX XXXX and finally the " {$2800.00} with {$7.00} service fee '' was pulled from the " incorrect account # '' XXXX XXXX. 

I am totally frustrated with this newly transferred mortgage company PHH. I never had an issue with the previous mortgage companies for the past 2 years since I started the loan process. My credit dropped from over XXXX to XXXX overnight and I was unaware of the issue. I tried to make XXXX payments between XXXX. XXXX to XXXX XXXX, yet XXXX of them were not successful. I emailed PHH for over 50 emails asking for updates but I was not informed in a timely manner. I called PHH and followed up on payment status as the direct debit payment were setup supposedly on XXXX XXXX and re-activated on XXXX XXXX with un-notified cancellation on XXXX. XXXX and XXXX XXXX.
Product: Debt collection

The company called me repeatedly from sun up to sun down non stop My current husband who is not responsible for my debt was contacted on his company cell phone, the representative told him that I owed them an obscene amount of money which was before our marriage and tried to get him to pay on that debt. This was done on XXXX XX/XX/2023 at XXXX
Product: Mortgage

Gregory Funding has not paid my insurance which caused it to be terminated and nor my Taxes for the past year. Gregory Funding purchase my loan from another company with an escrow and I have been paying the same amount of mortgage and Gregory Funding not doing what they are suppose to do. Why do they even have my mortgage and my escrow account and not paying the bills?
Product: Money transfer, virtual currency, or money service

I don't hesitate to call these guys crooks because they permanently restricted my PayPal account more than 180 days ago. I tried to protest here, but they provided justifications for further restricting my ability to withdraw funds at the time, which I really needed. They promised to restrict my cash for 180 days, after which time, if no one complained about the cash, they would release the funds to me. Now that the 180 days have passed, they sent me an email informing me that my cash is now available for withdrawal, but when I log into my PayPal account and attempt to withdraw it, they permanently limit my account and prevent me from doing so.
Product: Mortgage

We were affected by Hurricane Irma and were in forbearance based solely on location of mortgaged property ( XXXX, Florida ) which was in a PDMDA. After the forbearance period Freedom Mortgagee must offer Rate and Term modifications at the conclusion of the forbearance period based on the criteria found in Handbook 4000.1 III.A.3.c.iv. ( C ). 

Freedom never did this. They immediately began assessing late fees and reporting a delinquency to the credit bureaus.
Product: Debt collection

During the month of XX/XX/year>, I attempted to go online to pull my credit report. With all 3 credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, to submit additional information to verify my identity. Upon receipt of my credit report, I noticed accounts that were not my accounts. I never opened these accounts or gave my permission to have these accounts opened. I also noted inaccuracies with the spelling of my name and previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just paid off a Bank of America card that was charged off and instead of them showing that account paid, they created a new account on my credit report with a new account number. It should have never created another account which hurt my credit score. Instead, it should have just settled out my collection and showed it up as paid. They also still left a {$900.00} balance on the trade line, when it should be {$0.00}.
Product: Checking or savings account

On XX/XX/year> I come to the bank to deposit checks to my business account, when I noticed my balances was not adding up. 
teller told me there is a pending wire transfer going out of my account. I sat with a persona! banker right away and the banker was able to call someone to have the wire stopped. Why didn't anyone call me to verify if I was transferring so much money????? Then I find out my grandchildren 's custodial accounts were in jeopardy!!! Someone transferred all the money from their accounts to wire transfer to another account!!!!! have business accounts/personal accounts/custodial accounts with Citi Bank and no one advised me all my money was going out. 
How can my bank let my money and my grand childrens money leave my account without my authorization! Until this day Citi Bank will not return my money back to me and my grand children. It is against the law to use my grand children 's money and Citi Bank is breaking the law. I come to the bank on a weekly basis to check the status of my investigation and they always tell me the same thing, " sorry the denied your claim, nothing else can be c What kind of response is that???? Oven {$100.00} XXXX US DOLLARS was stolen from me and my grandchildrens account and all l get is NOTHING CAN BE DONE???? That is unacceptable! Citi Bank CAN get my money back but they will not because it's not their money that was stolen! I even went to the police
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX # 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, 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. 

Account # 's 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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, credit repair services, or other personal consumer reports

I been disputed the following account with credit Bureau and they have denied my dispute as item mine, but I'm victim of Identity Theft, account doesn't belong to me. I am maintaining a careful record of my communications with you on this matter. 

For the record, the following information is being erroneously included on my credit report. 

1. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


If you do not immediately remove this inaccurate and incomplete information.
Product: Mortgage

Simple story ... ( All this has happened in the last month ) We got behind in our mortgage ( No surprise ) They ( OCWEN ) started the Foreclosure process and gave a sale date. They sent a reinstatement statement. We paid the reinstatement of {$7400.00} They then told us it wasn't enough and that we had to make and additional payment of {$1600.00} to bring our mortgage current. We made that payment ... ( We paid them OVER {$9000.00} in one week!!! They have applied all the money to our loan. It was all the months we were behind ... Then they said that wasn't enough and we still owed {$5000.00} in penalties ... The day before the sale we had to file an emergency Bankruptcy to save our home. We come to find out they never sent the sale date to the sheriff or our county never was notified of a sale date there was no real sale date..The attorney that represented OCWEN ... told us the day of the sale OCWEN postponed it for 30 days ... We were told on a recorded conversation that would roll the penalty and fee to the end of the loan ... We just got a statement today saying we owe them over {$5000.00} ... We are currently BROKE we gave them all we have ... I won't be able to pay them until the end of the month but there saying that's not good enough. What do I do? Can you help???
Product: Credit reporting or other personal consumer reports

This is my six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX  Is showing up as late payments when they should in fact be up to date. Additionally, the payment dates on the loans are incorrect, and show different balances as well as dates. If the information was reported from the same company. All information Pertaining to the loans should reflect all the same information. Due to inadequate information Im asking that these items be permanently deleted from all three credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Due to Data Breach Dear Dispute Department, I am writing to formally dispute inaccuracies on my credit report that I believe are a result of the recent data breach involving XXXX. The information below outlines the items I am disputing and provides evidence to support my claim that these entries are erroneous. 
I have taken the necessary steps to report these fraudulent activities, including filing an identity theft report with the Federal Trade Commission and submitting a police report. Copies of these documents are enclosed for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent items be investigated and removed from my credit report promptly. Please send me written confirmation once these items have been addressed and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I did an annual review of my credit profile, upon reviewing current credit status there are several inaccurate items and inquires reporting. Per the FRCA policy Transunion is currently in violation of several of my consumer rights per 15 usc 1681b Permissible purposes : ANY consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the CONSUMER to whom it relates ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

Constar is attempting to collect on an auto lease that was originally intended through XXXX. XXXX collection efforts have exceeded the statute of limitations of 6 years. When I asked for information on the last payment on the account I was told that the information was not available. Today I received a letter in the mail from Constar which does not discolose any of the debt information and they are threatening me with legal action.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

recovery partners llc XXXX XXXX XXXX XXXX, az XXXX there trying to charge me for a debt I don't owe! Just because someone writes a bill doesn't mean I have to pay it! I own a towing company if I write a bill for XXXX for a recovery job, but I didn't do the job can I still enforce the customer to pay it? Probably not right? So vice versa there trying to charge me XXXX to pay the debt and they're telling me we can settle it for XXXX and if I don't pay it there going to suspend my license. No one has contacted my insurance company or my attorney representing me in this just got a letter stating this is how much I owe. This isn't correct i don't owe anybody any money I pay all my bills on time and the last thing I want is for my class A license to be suspended. Don't know who this bill belongs too but it defiantly not me. I tried reaching out to this company and the just told me I have to pay I told them to get in contact with my attorney because she is representing me and can send and documentation to prove this they declined to call her and speak with her. If they don't want to talk to my attorney about the situation I have nothing else to say but there is no way I am obligated to pay a bill that wasn't intended for me and with no one telling me I owe them money. No one sent me a bill that I owe XXXX up until this letter from Recovery Payments llc contacted me I spoke with XXXX XXXX from there and the account # XXXX