23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX loaned funds to a borrower, XXXX XXXX XXXX, secured by deeds of trust on the Grant Property and Oneanta property. 
OCTC, through its escrow XXXX XXXX XXXX, facilitated the improper release of the XXXX XXXX 's security interests ( deeds of trust ) under the false pretense that she would be immediately re-recorded after a refinancing. This assurance was never fulfilled, causing the XXXX XXXX 's financial position to be seriously compromised. 
Fraudulent and Negligent Conduct : OCTC ignored explicit instructions from the XXXX XXXX that any refinancing must not dilute her security interests. Instead, XXXX allowed significantly larger loans to be placed on both properties without the XXXX XXXX 's informed consent. 
Fraudulent notarization : OCTC recorded a deed of reconveyance on the XXXX XXXX with a false notarization. This document wrongfully removed the XXXX XXXX 's XXXX, contributing to her financial losses. 
OCTCs actions were motivated by maintaining their profitable relationship with XXXX, who conducted numerous high-value transactions with the title company. 
As a result of OCTCs misconduct, XXXX XXXX received a judgement against XXXX. XXXX XXXX is owed over {$2.00} XXXX dollars, representing unpaid principal, interest, and fees on the loans secured by the properties. 
Request for Licensing Action : Given OCTCs fraudulent and negligent behavior, we request the Department of Financial Protection and Innovation ( DFPI ) take disciplinary action, including revocation of OCTCs license and any other enforcement actions deemed appropriate. 

Summary of XXXX XXXX XXXX on XXXX ( XXXX XXXX. XXXX ) In the lawsuit involving XXXX XXXX and Orange Coast Title Company ( OCTC ) along with XXXX XXXX, the XXXX and court have ruled in favor of XXXX XXXX on several counts , including intentional misrepresentation, concealment, breach of fiduciary duty, and negligence. The court has entered the following judgment : Principal Amount Awarded : The court has ordered that Orange Coast Title and XXXX XXXX pay {>= $1,000,000} as the principal amount for the damages incurred. 

Accrued Interest : An additional {$90000.00} in interest has been awarded on the principal amount. 

XXXX XXXX : Prejudgment interest, calculated at 7 % per annum from XX/XX/XXXX, through XX/XX/XXXX, amounts to {$520000.00}, with an additional {$340.00} per day accruing from XX/XX/XXXX, until the judgment is fully entered. 

Total Amount Owed : As of XX/XX/XXXX, the total judgment is {>= $1,000,000}, which includes the principal, accrued interest, and prejudgment interest. 

Costs : The court has further ordered that Orange Coast Title and XXXX XXXX pay the costs of the suit. 

This judgment seeks to resolve the damages resulting from the negligence and fraud committed by Orange Coast Title and XXXX XXXX in connection with the fraudulent removal of XXXX security interests in real estate transactions. The judgment also includes ongoing interest calculations until full payment is made. 

This resolution is intended to fully compensate XXXX XXXX for the financial harm suffered due to the misrepresentations and negligent actions of the defendants.
Product: Credit reporting or other personal consumer reports

XXXX with XXXX back in XX/XX/XXXX and requested debt validation. I have not heard anything and is still reflecting on my credit report. Also, on XX/XX/XXXX mailed certified letter to them requesting to provide debt validation or remove the inaccurate reporting from my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company is a debt reduction service that uses telemarketing calls to get clients signed up for services. my understanding is that they do not aquire debt until you commit to accepting their services. on average they negotiate a reduction to about 10 percent of the orginal debt then negotiate a reduced montly payment. i have no relationship with the company. i have not signed up for their services. i have not been called by the original credit card company. i thought it had been resolved. i am also a significantly victimized citizen dealing with corrupt ogranizations, corrupt government, and government orchestrated racketeering, organized crime. i have been denied my rights, denied access to justice, deprived of property and assets, and denied access to justice. I have been forced down among the down trodden and subjected to cyberstalking. I am also an identity theft victim with an incident on texas and my identity used in what appeared to be money laundering and possibly drug trafficing. authorities know i am a victim and not involved. i am not able to get assistance from government. i am ignored.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The company recently responded that they sent me an initial demand letter on XX/XX/year>, but thats simply not true. I have pulled credit reports over the last year and it clearly stated that this account with the collection agency was opened in XX/XX/year> and thats also around the time it started appearing on my credit report. They did not provide an initial demand letter as required by law, the just placed this account on my credit report without notifying me or giving me a chance to dispute it. Ive been disputing this account since it popped up on my credit report. All the collections agency does is put a note on the account that the consumer disputes. I dont know what this is. Ive called XXXX and they also have no idea what this is for. Im a current XXXX home and mobile customer and have been for over 10 years! I was never notified by the collection agency about this debt! After reading reviews about this company Im confident this debt doesn't belong to me especially since Im still and have been a XXXX customer. This Transworld company is reporting inaccurate information across all credit bureaus and is making a negative impact on my credit. Please remove asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous responses ( XXXX, XXXX ), the company ( XXXX XXXX XXXX ) did not provide me with the requested documents. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I encourage a response from you expeditiously.
Product: Student loan

Mohela took over my student loan after others closed. They are not accurately counting my payments towards student loan forgiveness. 

I can not get through on the phone to discuss. 

Ultimately, they have not included any payments from previous lenders. Ive been paying on this for years and those payments were not tracked in my XXXX XXXX
Product: Mortgage

I have asked Vanderbelt mortgage company to assist me in a hardship since mine and my husband 's health has deteriorated in the past year we can not pay our mortgage in full. I have submitted hardship paperwork showing that I need help in refinancing our loan with a lower rate this bank is taking almost 11 % due to our credit being poor. They refused to help us. We have searched other banks and because our credit is not perfect no one will help us. Me and my husband are XXXX my husband is retired military XXXX and I have had XXXX due to a severe accident. We have XXXX children and are afraid of losing our home. With all these new government programs out there that are supposed to help with lowering your interest-rate no one can seem to help us because of our credit. If Our credit was perfect we would not need the help ... these programs should be designed to help people with poor credit. We have had our home for a year now and Vanderbilt Mortgage Who works with home first Who works with home first House insurance has raised our payment twice in one year by almost {$400.00}. Please we need some help in refinancing to a lower rate in fear of losing our home and this bank is ripping XXXX people off. This bank in particular is the only one that takes people with poor credit and charges a high interest-rate.
Product: Checking or savings account

I experienced Identity theft at BMO, Bank of Montreal US branch ( BMO N.A. ).

A checking account was opened under my social number at BMO. 

I received an email that my account application was pending on XX/XX/2024 and XX/XX/2024 ( Reference code XXXX ). I received an email that the checking account was opened on XX/XX/2024. 

I made an initial phone call to BMO customer service on XX/XX/2024 at XXXX pm to report the case. The XXXX  gave me the wrong information saying there's no account under my social number. However, when I checked using my email and social number on their website it was registered as a user already. They also informed me the wrong website address ( i.e., identitytheft.com ) to report my case instead of ( identitytheft.gov ) The case was reported to the local police on XX/XX/2024 ( Ref # XXXX ; XXXX XXXX XXXX # XXXX ) and IdentityTheft.gov ( Ref # XXXX ). 

In the second phone call to BMO on XX/XX/2024, they acknowledged the fraud activity and informed me that the report was made and it is under control without providing further information including a reference number. 
I experience great difficulty getting proper actions from the BMO. 

I emailed them to send me a written confirmation with all the details and closure of the account. I have not received their response yet.
Product: Credit card

I obtained the american express platinum card because they sent me an offer for XXXX membership rewards points for XXXX dollars of spend within 6 months and I accepted the offer and was approved for the platinum card. 

On XX/XX/XXXX, I received my XXXX points but I kept using the card well after that date until I found out on XXXX that I received the points so started spending with other credit cards that had better points rewards for other categories ( groceries, dining, entertainment, etc ). 

On XX/XX/XXXX, I found out that american express took away my XXXX points. I reached out to chat support asking why the points were taken away and found out that it was because I had refunds/credits on my statement and they reiterated the terms and conditions saying that any misuse/abuse/gaming including refunds/credits on the account will allow for american express to take back those points. I asked for the specific transaction but they refused to give me the specific transaction and said that they will never add back the points no matter what. 

I asserted that american express should not have awarded me the XXXX points in the first place or simply took away the XXXX points when the credit/refund was first seen because I would have more than happily made more purchases but they took away the XXXX points 4 months later ( 2 months after when the welcome offer would expire ) almost as if they did it so that they could specifically not add the points back. This is extremely deceptive and unfair and I feel like they specifically used the timeframe to their advantage.
Product: Mortgage

This was a business loan for XXXX XXXX XXXX I was main stockholder so they put an open end mortgage on my house. The date of loan was XX/XX/2006 which has been paid off for at least 8 years. I need the satisfaction letter sent to XXXX XXXX Pennsylvania XXXX. I have contacted PNC bank more than 45 days ago and also sent them info on this to XXXX Ohio more than 2 weeks ago. No response?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting or other personal consumer reports

After receiving reports of personal info on credit incorrect. I sent a certified letter to them of all the updated info and havent received anything. I sent the letters out in XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}
Product: Checking or savings account

I am filing a complaint with the c. F p b regarding capitol, one 's failure to deposit, my direct deposit from my employer and other income and deposits. Capital one has cited technical issues, which may violate the electronic funds transfer at ( efta ) ask it requires timely access to funds. This situation raises concerns about consumer protection laws.And I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  INQUIRY DATE XX/XX/2021 XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX INQUIRY DATE XX/XX/2021XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX bank shows 30 day late in XXXX. All XXXX credit bureau are showing the. Dispute with all XXXX. XXXX XXXX XXXX XXXX even verified with me over the phone that I have never been 30 days late. Need this removed. Esperian came back 24hours later telling me results were accurate. That's incorrect. Please contact all XXXX  credit companies and have this removed. Has significantly decreased my credit as I had maintained above XXXX for over 10 years. Now it dropped my score XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I mailed a letter to Equifax, demanding proof of certification of permissible purpose for multiple inquiries on my credit file, pursuant to FCRA 609 ( 15 U.S.C. 1681b ). Equifax did not send me the information demanded, instead treating the matter as a standard dispute, complete with their standard response that inquiries are a matter of factual record. I have, in the past, sent Equifax documentation showing that several of these creditors in fact did not have permissible purpose, yet they refuse to remove the inquiries from my credit file. I have also filed previous complaints with the CFPB, but there has been no resolution, other than the CRAs involved responding with the same " cookie cutter '' response, and the CFPB considering the matter closed. This most recent incident is a clear case of willful non-compliance with the Fair Credit Reporting Act, and I would like to see some form of enforcement.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against [ AARGON AGENCY ] To Whom It May Concern, I am writing to file a formal complaint against [ AARGON AGENCY ] regarding their debt collection practices, which I believe are in clear violation of my rights as a consumer. Despite repeated attempts to address this matter directly with [ AARGON AGENCY ], they have failed to provide the necessary validation information and have proceeded to report the debt to consumer reporting agencies.

Specifically, [ AARGON AGENCY ] has not complied with the requirements outlined in 12 CFR 1006.34 ( b ) ( 5 ) by failing to provide validation information for the alleged debt. Despite this failure, they have proceeded to place the collection on my consumer report, denying me the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furthermore, I assert that [ AARGON AGENCY ] has violated my consumer rights by employing false, misleading, and deceptive means in their debt collection efforts. Their actions are in direct contravention of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations governing debt collection practices.

It is imperative to note that [ AARGON AGENCY ] has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This blatant disregard for regulatory requirements is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In light of the aforementioned violations, I am formally disputing all debts claimed by [ AARGON AGENCY ]. Additionally, I am exercising my right to cease and desist all communication from [ AARGON AGENCY ] via email, text messages, and phone calls. I request immediate debt validation and the provision of the purchase agreement between [ AARGON AGENCY ] and the original creditor ( XXXX XXXXXXXX ). Moreover, I demand proof of [ AARGON AGENCY ] 's licensing and bonding as a debt collection agency. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure compliance with consumer protection laws. Please do not hesitate to contact me if further information or documentation is required to support this complaint. 
Thank you for your attention to this matter, and I look forward to a prompt resolution. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I made a mobile deposit on XXXX/XXXX/2017. When I checked the status of my account on XXXX/XXXX/2017 I realized a deposit hold had been placed on my check that would not expire until XXXX/XXXX/2017. This is a child support payment that I have received every month for the last XXXX years. I contacted Suntrust bank and asked if it was possible to have the hold removed since the funds have already cleared my ex-husbands account. They informed me that the hold was there because it was a new account. I explained that I was aware that it is a new account but the I work for Suntrust Mortgage and have my payroll checks deposited into the account XXXX a month, I also have not had any overdrafts on the account. I further explained that holding this deposit would now cause an overdraft for an outstanding check and that I will then be charged fees. I explained that I did not understand why they could not contact the bank to verify the funds have cleared as I did and release the hold. The quoted me the hold policy. I explained again that I have been in banking for XXXX years and understand the necessity of holds. They are to ensure that the funds are available before they release them to you. In this particular situation the funds had already been deducted for the check deposit I made and they new it was good. At this point holding my funds until the XXXX served no purpose. The funds are not in his account nor are they in mine. The bank has the money, they know my deposit is good and there is no good reason why the hold should not be released at this time. They are delaying my funds for no valid reason. I did not even receive a proper notice regarding the deposit hold until just now ... XXXX pm on XXXX/XXXX/2017 probably because of the fuss I raised when I called. Now this email tells me to ensure funds are deposited to cover any outstanding items that may cause an overdraft because of this deposit hold. I do n't have additional funds I can deposit and this {$600.00} was to last me and my XXXX children until the XXXX when I get paid. I could understand if the check had not cleared but right now there is NO just reason why they should continue to hold my funds for another week.