23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When my wife and I refinanced our house, my name was added to the mortgage but the titling company did not file the documents to add my name to the deed. Also my wife 's maiden name was not updated to her married name on the deed. 

We signed a quitclaim deed and had it notarized in order to add me to the deed and update my wifes name on the date we executed all of the refinance documents, but the county claimed there was an issue with the document and rejected it. 

The refinance closed XX/XX/2020, Loan Depot was the lender and XXXX XXXX was the loan processor. The titling company is XXXX XXXX XXXX XXXX XXXX, and the manager in charge of my titling is XXXX XXXX. There emails are XXXX and XXXX respectively. 

I realized there had been a problem with the titling when my wife and I attempted to transfer title to our living trust and it was rejected because I was not on the deed. I emailed Loan Depot on XX/XX/2020 to let them know there was a problem, then I reached out to XXXX XXXX XXXX XXXX XXXX as well. I have numerous emails going back and forth but then weeks go by and I don't hear from them and as of XX/XX/2020 this is still unresolved.
Product: Credit reporting or other personal consumer reports

Equifax violated my rights numerous times. These rights under 15 USC 1681. Equifax is governed by 15 USC 1681. I did not give Equifax written permission to furnish these accounts. I have the right to privacy. I demand these accounts be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

XXXX XXXX AND MR COOPER COMMITTED WIRE FRAUD ON XX/XX/XXXX ... 
At the direction of XXXX XXXX, XXXX of Mr Cooper lied on the phone and said they were taking 4 payments and billed me for 3 @ XXXX plus one @ XXXX plus service fees for a {$3800.00} total. For the sixth time at MR XXXX XXXX 's direction Mr Cooper decided to steal a payment to make up for illegally added fees. We will be filing an additional criminal complaint in the state of Florida, and also re-energizing the dormant case since statute of limitations do not apply to out of state crime if this is not reversed immediately. 
MR COOPER LOST A CLASS ACTION SUIT ... WE ARE A PLAINTIFF ... WE REQUEST IMMEDIATE CANCELLATION DUE TO SHORT SALE ... We are exercising our right to loan cancellation when fraud is found and admitted. Nationstar admitted guilt,,, this is not a debate. 

WE REQUESTED A COPY OF THE WIRE FRAUD,,, ONCE AGAIN THEY REFUSED TO COMPLY ... THEY KNOW THE DATE OF THE CALL .... XXXX XXXX and Mr Cooper has serious honesty issues,,, The entire CFPB response was fraudulent. 

MR COOPER IS FULLY AWARE OF LOAN ORIGINATION FRAUD SINCE THEY WERE THE PARTY TO DISCOVER IT ... COVERING IT UP IS A FELONY IN FLORIDA ... XXXX XXXX is fully aware of the 30 day rule on correct loan origination documents. He Conspired with XXXX XXXX to commit XXXX mortgage fraud in Florida. Apparently they think we are joking on a criminal prosecution. I will be filing a criminal complaint tomorrow. 
NATIONSTAR AKA MR COOPER HAS REPEATEDLY TRIED TO STEAL HOUSE PAYMENTS FROM US ... ATTACHED IS A THEFT ATTEMPT IN XX/XX/XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 has violated my rights. 

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

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

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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX 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: Debt collection

D & A Services , LLC has been contacting me about a debt I owe. There is a huge issue with their tactics, they are calling my wife 's cell phone number and not my own. She has never given them permission to call her phone in any way shape or form for this debt and I feel they are in violation of the TCPA Act. Also, when 1st called about the debt they contacted her and became predatory about collecting the debt by making her call me while I was at work to ok a auto debit from my account each month which does not sound right in any way shape or form. As a result of this I will stop all communication and also will be notifying my bank to not allow them to pull anymore money out.
Product: Checking or savings account

I deposited a check for XXXX on Sunday XX/XX/XXXX. This check was from XXXX  XXXX XXXX and written from Bank Of America as well so it should have cleared on time. It didnt. When I deposited it, it stated it would be available the next business day, which would be Tuesday XX/XX/XXXX because nothing processes Sunday night. When I deposited it, it also said it would cover transactions posting on XX/XX/XXXX. Well, as usual, BoA has lied to me again. The check that was supposed to clear today, XX/XX/XXXX now days it will clear on XX/XX/XXXX. But my main issue is they, once again, charged me an overdraft fee for something that posted on XX/XX/XXXX, even though I still have the email that CLEARLY states it will cover anything that posts XX/XX/XXXX. Im tired of BoA and the lies they tell and all the money they have quite literally stolen from my account. I will be closing my account with BoA as soon as my income taxes are deposited. I will be withdrawing all of my money and letting everyone I know NEVER to use BoA because they lie and steal from their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNTHICAL AND FRAUD ACTIVIGTIES BY XXXX XXXX 1. Violation of the Fair Credit ACT for changing the address on the accounts without my authorized request to do so- XXXX learned about my address by filing a complaint with the Consumer Financial Protection Bureau in which I had to list my home address. I will send you such false claim they have made when I never put any verbal request or written request for change of address. 
2. Violation of the Fair Debt Collection Practice Act, FDCPA since they are passing a business debt as a consumer debt by using deceptive practices to collect a business debt. FDCPA only deals with consumer debts, thus unclear why a business debt is being attempted to be collected as if it was a consumer debt. 
3. Breach of contract -since the application was taken under a business name with business tax ID and I was the signor. As the signor, I never signed any separate agreement to agree to pay the debt of the business which is a corporation in case of the corporation defaults on paying its debts. As you know, Paying the Debt of another is contract that needs to be in writing and in absence of such written agreement, I can not be responsible for the debt of the corporation which is a person other than me, the signor. This would only if the business was a sole proprietorship where the business and the owner are the same person. The business is governed by Corporate Law where an officer of a corporation is not responsible for the debt of the corporation, unless this officer signed an agreement to guarantee the debt. Thus asking XXXX to produce such agreement will be impossible to produce since it does not exist. 
4. When I asked XXXX to validate the debt, they sent me 1 a letter on a grey scale sheet which suggests to me the letters were doctored with the wrong date since both card was issued in XXXX respectively and not in XXXX as suggested by the letter. 
XXXX XXXX assumes that I do not understand the law and their bogus letters mean anything when debt can be validated by producing a copy of the signed credit card applications and the credit card agreement signed credit card agreement. They refused to produce such documents as they will show that the application was under the business name and Tax ID and not under my personal name and Tax ID and the credit card agreements were business credit card agreements and not personal credit card agreements. So, you have unethical employees who work in recovery using underhanded tactics to collect illegitimate debt not owed by me personally. Regardless XXXX senior management knows what is going on or not does not matter since these employees are the face of XXXX XXXX and whatever they do bind XXXX. 

How I want this to resolve is to have the XXXX debt of XXXX dollars removed from my personal credit reports with XXXX  immediately within 15 days and to immediately remove the account.
Product: Debt collection

From XXXX XXXX to XXXX XXXX, Convergent Outsourcing , Inc. phoned me four days in a row ( one call each day ) looking to collect the money I owe XXXX. The 4th time I told the caller that what they did is illegal. She responded by saying " I do n't know anything about that ''. I tell them that I am on public assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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 card

This card is not mine. I did not open it. this fraudulent card and cards are being reported to the credit agencies and are adversely affecting my life and violating my consumer rights under the FCRA. i want them deleted from my credit reports asap.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXXSection 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. 

XXXX XXXX. XXXXXX/XX/XXXXA 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 or other personal consumer reports

I am filing a formal complaint against XXXX XXXX regarding their failure to properly validate and verify a collection account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX  has failed to provide adequate validation and verification of the debt they are attempting to collect. The account details are as follows Account Name : XXXX XXXX XXXXXXXX Balance Owed : {$1800.00}
Product: Checking or savings account

I initiated a transfer of funds ( ACH ) from a XXXX XXXX XXXX checking account into my Wells Fargo checking account. That was over XXXX days ago and my funds are still not available/or even posted at Wells Fargo XXXX I know how the ACH system works and I could have been given credit almost immediately. Some banks are better than others at posting available funds. Apparently Wells Fargo is not. When regulations were written, circumstances were different. Isn't it time to update when a bank gives a customer credit so as to reflect what is actually happening. Are regulators in on it with the banks? Why do you allow banks to continue to rip-off consumers? Why don't you at least do something to bring this issue to light?
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX & XX/XX/XXXX for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I have provided Equifax will all requested documents for my identity theft case and unlike the other XXXX credit bureaus they continue to refuse to remove fraudulent information from my credit report. I have provided an FTC identity theft report, a police report affidavit and all identity verification documents that are required. This is in regard to the fraudulent account opened in my name with XXXX XXXX. XXXX complied with the requests and the law but Equifax is refusing to do so. Equifax is in violation of the Fair Credit Reporting Act in continuing to not remove a fraudulent account from my report. They are basically saying I am a liar when i have been the victim. You are harming my ability to obtain any new credit. 

As clearly shown by the legislative history of the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. Conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. 

Their action appears to thus be willful noncompliance with the statute, subjecting them to punitive damages and court/legal fess, per FCRA 616. I will be seeking these damages against Equifax if this fraudulent account information is not removed from my credit report immediately.
Product: Debt collection

I wrote a dispute to Commercial Acceptance Co after finding their address on the XXXX  website because this account is inaccurate. Commercial Acceptance Company reported the wrong address to my XXXX  report dated XX/XX/2021. THE FOLLOWING ADDRESS IS INCORRECT, XXXX XXXX XXXX XXXX XXXX, PA XXXX, THEREFORE THEY HAVE REPORTED INACCURATE INFORMATION TO MY CREDIT REPORT. That is a violation of the FDCPA and FCRA! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry from theXXXX XXXX. I would like this inquiry removed as I am not familiar with this company or the request for credit. Please provide the application or remove item from credit bureau as an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated addresses, are still listed under my personal information. 

XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Product: Mortgage

My parents passed away in XXXX and XXXX respectively and my sister and I worked with the original mortgage company to do a modification. This was in effect with no issues until the loan was sold to SPS ... Select Portfolio Servicing. 

Then mysteriously in XXXX XXXX XXXX  the company started calling stating that the account was behind but could not talk to me. I had advised I had been sending payments and they said they could not speak with me only my sister. Basically they lost all our documents that showed I had any interest in the propriety and required us to re-supply them however they had documentation they could speak with my sister. 

I followed the instructions they stated by sending to a special address and with the bill and account number on a check, something I hadn't done in 6 years, but then received two payments returned. 

Then mysteriously in XXXX they were no longer able to speak with my sister. My sister finally found all the documents as I had no longer held them, and got them to the company in mid XXXX. We then get a notification that we are being sent to foreclosure but they can now speak to me. all they gave me in mid XXXX was a reinstatement quote but said they would help. 

I called today XX/XX/XXXX one last time and now they say they can't read any of the documents therefore are able to talk to us but not help us. 

I feel this company selected our parent home as an easy target and through their archaic processes believe they will be able to make over {$100000.00} on the home taking this from me and my sister.
Product: Mortgage

This company has provided false, inconsistent, and contradictory information to me regarding both our regular and supplemental taxes. One representative assured me on a recorded line that our supplemental tax would be paid and the late fee incurred would be covered by LoanCare LLC. Another manager told me that the supplemental would not be paid by LoanCare LLC at all. This company 's modus operandi is to pay the regular property taxes either at the very last minute or late. I was assured that our latest tax bill was paid, but when I checked with the county they informed me they had no record of a payment made or scheduled. This company has consistently told me one thing, then not followed through and when I contacted them, told me something entirely opposite from their initial statement. This has caused numerous problems with our refinancing, and it is clear this company is regularly operating outside of anything that would be considered an acceptable way of conducting business. It was not our decision to even have an account with LoanCare LLC., as our mortgage was sold to them. It honestly blows my mind that they are allowed to operate this way. I am currently attempting to close our escrow account with them, which I have been told is under review and they may not allow me to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im well aware the of pandemic and acts of racism and discrimination that permeate our society. As a person of XXXX who has already sent information that the account isnt mine with identity theft reports I would hope you would take this investigation seriously as you have a duty under Fair Credit Reporting Act. Because you ask me to send my identification and previous discriminatory acts by your bureau I allege that perhaps at the very least you have unconscious bias when Ive already sent proof many times prior. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time as they arent mine. Moreover, you will notice a particularly error in your reporting between months XXXX through XX/XX/XXXX where you acknowledged a payment and then reversed it as late. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report.
Product: Debt collection

I pulled my credit report and saw that I have an account on my credit file from AFNI account number is # XXXX with the amount of {$160.00}. I asked this company to send me VALIDATION that this account belongs to me and they sent me VERIFY I didn't ask for. I would like for this account to be DELETED from my credit file for this debt doesn't belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, several unauthorized accounts and credit inquiries have appeared on my credit report. I request that these fraudulent accounts and inquiries be blocked and deleted from my credit report as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts have been compromised and were opened without my knowledge or consent : Fraudulent Accounts : XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$34000.00} XXXXXXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$110.00} XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$210.00} XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX Bank o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$780.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$860.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$630.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$21000.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal XXXX Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.