23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

: foreclosure mills co conspirator XXXX XXXX, XXXX a debt collector violating FDCPA rule are submitting notarized documents robo signed and self notary by XXXX XXXX XXXX she signs affidavit of ownership,, then notary he substitute trustee form see attached. She signs AS XXXX XXXX, AND TURN AROUND and signs the notary after she prints the name XXXX XXXX The substitution of trustee was not file in the court or available to the public when this case was file. 
XXXX XXXX SIGNS The afflictive of ownership XXXX XXXX SIGNS signs affidavit of default XXXX XXXX sign as XXXX XXXX, AND TURNS AROUND AND NOTARY THE SAME DOCUMENTS with this boiler plate forms and template form XXXX XXXX signs and notarized her documents ... request FOR DEPOSITION XXXX XXXX ( you have over XXXX attorney in this case non have sign document to certified the truth to fact of the false documents they are filling in court. 
will prove she was hired as a ten dollar an hour employee hired to sign documents and notary her document, robo signs who lack knowledge of what she was signing. 
The previous debt collector XXXX XXXX used XXXX XXXX, XXXX XXXX to sign affidavit when that was challenged the case was voluntary dismiss by the debt collector capital one, Na and debt collector XXXX XXXX, XXXX. 

Connect the dot back the note and security agreement. self appointment of of trustee, no proof of standing, lack interest assignment in lank record states a very different owner defective assignments case voluntary dismiss after being challenged .Connect the dot back the note and security agreement. 
self appointment of of trustee, no proof of standing, lack interest assignmnet in lack record states a very different owner defective case voluntary dismiss after being challenged ssignment FRAUD pattern in land record by XXXX XXXX XXXX XXXX XXXX lack interest no assignment in land record. assignment in land record states a very different owner Defective assignments voluntary dismiss after being challenged by previous substitute trustee see exhibits attached ASSIGNMENTS FRAUD FILLING FALSE DOCUMENTS REQUEST AFFIRMATION BY THESE ATTORNEY AS ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no evidence of XXXX on note attached no proof of standing, lack interest no ssignment in land record no evidence of XXXX on note attached. no document to show XXXX owing the note and mortgage SEE EXHIBITS XXXX CASE ...
Product: Credit reporting or other personal consumer reports

XXXX ( Finance ) this inquiry was not authorized by me. I want it removed immediately.
Product: Debt collection

This company continues to refuse to provide verification of their debt allegations. They state they sent identity theft verification packets. I have never received any identity theft packets from them. I have repeatedly written and called saying I know of nothing that supports their allegations that I owe them anything. Further upon speaking to them on recorded line they stated to me this record of my date of birth, this was incorrect.All three credit agencies are reporting my identity theft yet this organization refuses to acknowledge this and provide me with their verification.This is not my debt.The continue to illegally report derogatory marks upon my credit having NEVER verified nor provided to me what has been asked of them to compliantly do as was stated to them by FCRA Rules and regulations.This has been asked of them to do since XXXX and we are now in XXXX.
Product: Credit card

You have failed to respond to a certified letter date XXXX XXXX, 2016 within the 30 day required time frame. You are in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX County, FL Courthouse in order to defend yourself. Filing was made today XXXX/XXXX/2016. Your court date is XXXX XXXX, 2016 and my attorney will be sending you the summons via certified mail to your registered agent. 
Should you remove the item forthwith with notification as such, we will cancel the lawsuit.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to address a serious concern regarding the inaccurate reporting of my payment history by XXXX XXXX XXXX, which has negatively impacted my credit report.
Product: Payday loan, title loan, or personal loan

I'm looking for assistance. I've had this account for over a year with no problems, but in the last few months, this company 's activities have caused me some concern. My first concern is that I frequently lose access to my account via the app. I am unable to log in and access my information. I let it go for a month or so before trying again. I was able to log in, but it took me to a page where I had to re-verify my identity. This brings me to my second point of concern. On XX/XX/22, I received an email asking me to reverify my identification and decided to do so later through the app. 
On XX/XX/XXXX, I opened my grain app on my phone and followed the re-verification instructions, which required me to submit bank and ID information. I received notification that the information had been successfully submitted and that the process would take 5 business days. I haven't been able to access my account since XX/XX/XXXX. I contacted grain but have not received a response. I can't even check my status. There have been numerous complaints on the company 's XXXX page that other people are unable to access their accounts and have not received any responses from the company.
Product: Credit card

I received a Balance Transfer Offer in the mail from PNC, where I have a credit card. I went online and submittedt the request. The receiving credit card never received the check. I have called PNC repeatedly and have not received any answers as to why this was never received, although they have posted this charge to my account. They have finally agreed to re-issue the check. My complaint is that if I was not diligent in following up on this matter, I would have had a {$2000.00} charge on my account with no payment received. In addtion, PNC phone representatives have been severely lacking in their ability to address this matter.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Mortgage

I just came out from forbearance start paying and instead of my partial claim modification they start charging the past due I contacted them several times but issue still existI
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INVESTIGATION TOOK LONGER THAN 30 DAYS PLUS I HAVE NOT RECEIVED ANY UPDATED ON THE DISPUTES.
Product: Mortgage

I have owned my home for 21 years. My mortgage payment is {$3700.00} per month it includes interest, taxes and insurance. My interest rate is fixed at 3.875. 
XX/XX/2023 I received an escrow analysis which said my taxes went up {$30.00} per month and that i have a 2023 shortage of {$350.00} My new monthly mortgage payment jumped to {$4300.00}. 
It makes no sense at all. When i called in XXXX i was told by the representative that it didnt make sense to him either and he would ask for another escrow analysis to be done. I never heard back. I got a new statement that shows no changes made so i called Select Portfolio Servicing and they said they are charging me extra so i dont have a shortage in the future. How is this legal? {$700.00} plus increase a month for a {$30.00} a month tax increase? I told them Im fighting XXXX XXXX  for 2 years still 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. Please help XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, my mother died and left an IRA in the hands of XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, ( XXXX ) XXXX. I was contacted by XXXX XXXX and informed as to what documents I needed to provide to obtain the account as executor of the will and trust on XX/XX/XXXX. Om XX/XX/XXXX I emailed the documents using the XXXX secure server. I called back 2 days later and was told by the woman answering the phone that she didn't see them and sent them again using the XXXX secure server and she acknowledged receipt and would pass them on to Mr. XXXX. Due to a quadruple bypass I was unable to follow up. On XX/XX/XXXX, 44 days after receipt, Mr. XXXX called and said I needed to submit the documents to get the money. I told him I had submitted them 44 days prior through XXXX 's secure server. He suggested that I send them to an unsecure email. I demanded to know where the documents I sent were if they did not go to XXXX 's secure server. Mr. XXXX finally decided to search their system and did locate the documents that had been in his possession for 44 days. He then told me that I failed to have the California notary use XXXX 's wording on the Affidavit of Domicile but had the notary attached a California compliant notary acknowledgement. Mr. XXXX told me that was no good and he had dealt with many Californians and they filled it out and I should do the same. Being a notary, I told him that it was illegal ( although did not cite CA Penal Code 470 ) and that it would be a criminal act to do so. After back and forth arguing and in which Mr. XXXX admitted that he did not know the notary law or procedure. He finally said he would check with his managers whether he could accept a LEGAL AND CALIFORNIA COMPLIANT notary certificate of acknowledgement. He never responded but then claimed that I had supposedly signed in the wrong area. Again none of these complaints by Mr. XXXX were made until 44 days after he was in possession of the documents. 

Right now because Mr. XXXX and XXXX have the documents they required and they know that they are to issue a check to the trust or estate to me they are guilty of conversion by wrongfully withholding the money. Presumably, Mr. XXXX will receiving a sizeable bonus by withholding the funds and boosting XXXX 's assets illegally. 

In addition, Mr. XXXX taped the phone call of XX/XX/XXXX and that tape has been destroyed it should be deemed and attempt to destroy evidence.
Product: Debt collection

Theyre saying theyve verified my information, but that is a lie. They have not shown me an original contract. Theyve shown me an itemized statement. Theyve have not shown no record of additional identification of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi i have so many accounts thats open i have not gave consent to or authorized or even use my ss number i also have 3 cases of police reports and im a victim of id theft i have accounts showed late and im making payments some saying i owe huge balances and i never open the account a house eviction and never been evicted i have some saying account closed but want removed off credit i also have some reporting and not sure who the company is i really will appreciate if everything can be removed ive dispute the credit all 3 credit companies dispute and investigated and nothing has changed. I also call the company that reports it they filed for dispute and its not removed these are not accurate at all
Product: Bank account or service

USAA staff advised us on XXXX, in XXXX separate phone calls, that USAA is now permitting all fraud activity on their members ' cards to be handled by a fully automated system. USAA further advised us that this system is completely autonomous and there is no human oversight or control. Therefore members ' cards will be subject to hold and suspension with no known cause or effect. This will cripple business and personal activity of those members who can now not rely on the availability of the credit and purchasing power given to them under the card members contract with USAA. 

This violates the following : USAA card member agreementState lawFederal lawTruth in lending lawFederal law governing internet and on line treansactions Personal civil rightsWe require USAA immediately reinstate a manual control over their fraud alert issues of all card members accounts before serious retribution and/or risk to USAA employees and public safety that could result in loss of life is reached. 

Under this current situation we have been forced to suspend all state to state travel as we can no longer depend on our credit cards being accepted at all locations we use for purchases to conduct our day to day business. As USAA can not know when, or for how long, or for what reason, alleged fraud activity by their automated system would shut our cards down ; we are forced to suspend operations. We can not jeopardize our staff, volunteers, or clients to the risk of an ambiguous automated system that would result in our staff, volunteers, or clients being held hostage by an out of control automated system. USAA 's unwillingness to correct this matter and provide proof of cause and effect is a form of extortion and could be considered an act of terrorism against us - a religious based operation. 

XXXX XXXX, Va.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS CREDIT INQUIRIES ON MY FILES THAT ARE NOT MY AND I DID NOT AUTHERIZE : INQUIRIES XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXXXXXX | NOT MINE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NOT MINE XXXX  XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE
Product: Mortgage

Select Portfolio Servicing Company , INC. has not allowed me to amortize my mortgage. Once the monthly mortgage payment is paid, additional principal payments are used for the next months mortgage payment. 

At this time, I'm XXXX months ahead of a mortgage payment, as opposed to having reduced the timeframe of the payment schedule and interest from the mortgage. It's an end-run around amortization and I don't believe that is/should be legal. 

An additional obstacle placed is they do not allow any electronic payments once the monthly mortgage payment is made so you have to send a check via snail mail in order to complete the monthly mortgage payment, and/or amortize the mortgage.
Product: Credit card or prepaid card

I originally filed an Identity Theft Report with the Federal Trade Commission on XX/XX/2018 and mailed a copy to CBNA also known as CitiBank Best Buy. 
I also mailed the major threecredit bureaus ; XXXX, XXXX and XXXX, copies. The credit bureaus did remove the Citibank Best Buy fraudulent account from my credit report but Citibank Best Buy reinserted the account into my XXXX credit report. 
I have made several phone calls since and after several investigations Citibank Best Buy still reports it as a valid non fraud account. This is a fraudulent card opened in my name, Identity Theft Report was filed and copies mailed to Citibank Best Buy and still thisnhas not been removed which should of been by law but they have still been reporting it illegally. 
I will not await another reinvestigation as that will just delay the process another year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Unknown Account Number Credit Management LP. , credit is falsely reporting on my credit I have never had an account with them. After my research Credit management LP., is a debt collector. They are falsely reporting this account to my credit file against my rights and fair credit act. under 15 US section code 1681D-disclosure of investigative consumer reports. I have attached the definition so you can see the violation! ( a ) disclosure of fact of preparation.

A. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. 

I request proof of this alleged item, specifically the application or instrument, with my signature with Credit Management LP.,. If unable to provide the documents requested this account should be deleted from my credit report as soon as possible. You have 30 days to complete your reinvestigation Under federal FCRA laws, I will also be seeking {$1000.00} per violation : 1. Defamation.

2. Negligent enablement of identity fraud 3. Violations of USC 15, 1692G
Product: Credit reporting or other personal consumer reports

My First & Last name are as follows : XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXX, GA XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & Last name are as follows : XXXX XXXX My XXXX XXXX Address is as follows : XXXX XXXX XXXX XXXX, GA XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

My current address is : XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I pull my credit reports and I have several hard inquiries on my credit report that I have no knowledge of and did not approve. I have tried to dispute them but no result. I have disputed online with the credit agencies but nothing has been resolved. Would like to file dispute. 
XXXX XXXX XXXX XXXXXXXX, inquired on XX/XX/year>, XXXX XXXX, XXXX report XXXX XXXX, inquired on XX/XX/year>, XXXX XXXX, XXXX report XXXX XXXX XXXX inquired on XX/XX/year>, XXXX report
Product: Student loan

My Borrower Defense Application was approved for forgiveness on XX/XX/XXXX. 

Edfinancial Services did not discharge my loans. I had several closed loans that were consolidated and held by Dept of Education in XXXX and they put Discharged status on the closed {$0.00} loans and put my consolididated back into repayment. 

I tried calling them and after being on hold for hours I explain my issue and they hang up.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. Equifax, XXXX and XXXX have not complied with the laws to remove these accounts with has violated several laws as well as these credit agencies listed above. The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : LXXXX 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 has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.

Some of these accounts have been paid in full and was suppose to be removed immediately but they have not done so.
Product: Mortgage

AWFUL, INCOMPETENT, FRAUD, CHEATERS, OUTLAWS, etc. There are constant charges, escrow charges are doubled. Ditech claimed they had not received the information on homeowners insurance, but in reality had been sent several times. Of course you know about the late billing. It should not be assumed that everyone has access to a computer. No one will explain or discuss the problems with you. This proces with DITECH is a nightmare. It is unreal that type operation is allowed and go unpunished. Everyone does not have funds for lawsuits. But maybe we would if everyone just stop paying them. Oh, but that seem to be their motive - to make your mortgage payment unmanagable, so they can take your home. THEY MUST BE STOPPED!!!! NOW!!!!!