23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against the law firm XXXXXXXX XXXX XXXXXXXX for their role in attempting to wrongfully evict me from my home on behalf of their client, Selene Finance. I believe that XXXXXXXX XXXX XXXXXXXX XXXX  actions in enforcing this eviction are in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). 
XXXX XXXX XXXX XXXX conduct appears to violate the following provisions of the FDCPA : Section 807 - XXXXXXXX XXXX XXXXXXXX have made false representations about the status of my debt and their right to proceed with an eviction, despite being informed of the ongoing investigation into the foreclosure 's validity and the evidence I have provided challenging the lawfulness of the foreclosure. Their client has sent monthly mortgage statements and accepted monthly payments, Since spring of XXXX. This was deceptive and presented a false sense of security. 
Section 808 - XXXXXXXX XXXX XXXXXXXX have engaged in unfair practices by attempting to evict me without properly considering the evidence I have presented and the previous servicer 's commitment to review the foreclosure. They have continued to pursue the eviction despite being made aware of the irregularities in the foreclosure process. 
The pertinent facts of my case are as follows : My home was previously foreclosed on, but I believed the eviction was postponed when I started receiving mortgage statements from Selene Finance six months ago, years after the foreclosure sale. 
The previous servicer, XXXX, stated in response to a prior complaint that they would review the foreclosure based on information I provided, which showed payments made and insurance money received for a total loss house claim. I rebuilt the house using my own funds. ( See attached documentation ) XXXX confirmed that all relevant information had been forwarded to Selene Finance to stop the eviction pending further review. ( See attached correspondence ) I have informed XXXXXXXX XXXX XXXX of these facts and the ongoing investigation into the foreclosure, but they have disregarded this information and continued to aggressively pursue the eviction on behalf of Selene Finance. ( See attached correspondence with XXXXXXXX XXXX XXXXXXXX ) I request that the CFPB investigate XXXXXXXX XXXX XXXX XXXX  practices and their collaboration with Selene Finance in this matter. I ask that the CFPB take appropriate action to ensure they cease any wrongful eviction attempts and comply with all applicable federal laws and regulations. 
Furthermore, I am considering filing a separate complaint against XXXXXXXX XXXX XXXX with the state bar association for potential violations of professional ethics rules in their handling of this matter. 
Thank you for your attention to this complaint. I have attached relevant documentation to support my allegations and am available to provide any additional information needed. 
Sincerely,
Product: Debt collection

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ) 15 U>S>C> 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau CFPB have brougt to light significant concerns regarding XXXX XXXXailure to conduct proper investigations. Specifically, in a lawsuit filed XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request XXXX : XXXX. Conduct a thorough investigation of the following disputed accounts or items : XXXX. Provide me with all documentation used to verify the accuracy of the disputed information XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To whom it may concern, I looked at my report. I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency i i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ithe information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Checking or savings account

There is a wells fargo scandal going on that includes XXXX XXXX dollar settlement between XXXX - XXXX. My account has been well active longer than that time period. I have not received any email or settlement check and just want to make sure I qualify.
Product: Credit card or prepaid card

On XX/XX/2023, Synchrony bank closed my newly opened 2 % cash back XXXX, which I held for approximately 1 month. They closed it because they are a conservative lender, and as such, assumed I couldn't repay my bill now or in the future. I used this card to make my yearly tax and loan payments, and paid the entire balance in full. In the process, I earned {$780.00} in rewards, as shown on the attached statement. I opened the account for the sole purpose of the advertised 2 % cash back, however these rewards were stolen from me.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXX XXXX  XXXX Balance {$XXXX} Open Date XX/XX/XXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$XXXX} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$XXXX} XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$XXXX} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a program that Huntington Bank is offering called XXXX in XX/XX/XXXX, the program is designed to help small businesses during the XXXX. The qualifications are simple you must be a minority or a veteran and you must per the loan banker have a XXXX credit score although my personal credit score was XXXX. I applied and was told I was denied credit due to items listed on a XXXX XXXX credit report of items reporting in XXXX, and XXXX. I was told if I had a bankruptcy it was ok it was not a disqualification, however, I did indeed file bankruptcy in XXXX and it was removed from my credit reports in XXXX. Huntington has begun to forego the typical credit reports ie : XXXX, XXXX, XXXX, but I was told have began to lean on XXXX XXXX and I asked how is it that items from XXXX can be used against me and XXXX, I was even told the underwriter noted my bankruptcy that should not be even be showing on a credit report and definitely should not be used against me being that I have maintained my credit since filing in XXXX. The loan representative said my credit score was not the issue but rather the dated credit issues from years past. I then went on to ask who are they lending to under this program because with the so-called qualifiers I should have been approved, she explained but then XXXX does a secondary qualification on their own without notifying the consumer. I was unaware of this and I feel frankly it is another way to disqualify minority groups from funding. I do not understand how credit blemishes from many years ago were used versus good credit history of present. This program is being advertised as a way to help disadvantaged communities with small businesses in mind and they definitely are not assisting those communities with these bogus unfair practices. It seems XXXX and it seems unfair and lopsided in the information being provided to customers.
Product: Debt collection

The Petitioner XXXX XXXX XXXX  hired Rubin & Roithman, LLC and sued me for debt they claim I owe. I was NOT properly served ; therefore they were granted a summary judgment. I summited an Answer to complaint on XX/XX/2018 with Civil Court of The city of XXXX XXXX XXXX County. 

In this Answer to complaint I specifically asked for the original wet ink promissory note for my inspection. They sent me copies of statements which isnt what I requested and its not PROOF.
Product: Credit card

I had a Capital One credit card, ending in XXXX, with an expiration date of XX/XX/XXXX, show up on my credit report as being delinquent due to a purchase at XXXX XXXX on XX/XX/XXXX for around {$25.00}, total due showing as {$89.00} due to late fees and interest charges. 

After seeing this information on my credit report, and that it had dropped by credit score by nearly XXXX points, I contacted Capital One to discuss the matter. I told them that I had not used the card in close to 8 years and that the card had expired on XX/XX/XXXX. They were also able to confirm this. I also had never renewed the card when it expired on XX/XX/XXXX. Certainly the account would have been automatically closed within nearly a 4 year timespan of the card expiring as well. 

Not only did I not make any purchases with the Capital One card for nearly 8 years, on the date of the transaction, I was in the hospital with my with my wife and XXXX daughter who was born at XXXX on XX/XX/XXXX. Capital One advised me that it was an actual credit card swipe on location at a XXXX XXXX store. While I can imagine a credit card purchase being done online using an expired credit card, the expiration date is coded into the magnetic strip which would not process at any modern POS credit card processor. 

I was prompted to look at my credit report due to the fact that I was denied a credit card that I had recently applied for. This never happens as I have an excellent credit score. This is when I noticed that Capital One was reporting this card as delinquent. 

Capital One should never have authorized any transaction on an expired account/credit card. Not only did they allow the transaction to process, but it was done so fraudulently. As a result, they reported inaccurate information to the credit bureaus which has directly affected my ability to obtain credit. 

Capital One did not directly address the issue of why the transaction was allowed to occur, but they did state that they will send me out a fraud application to fill out and I will receive notice of their pending investigation. 

I believe that the fraud application is a moot issue due to the fact that the credit card transaction should not have been allowed to occur in the first place, however, I will fill it out and return it per their instructions. 

The credit card I was denied because of the derogatory remark from Capital One was having a promotion that if you signed up for the card, you would get {$100.00} credit on the issuer 's website. I am seeking {$100.00} in compensation.
Product: Mortgage

I recently submitted a complaint about the process in which my mortgage modification was denied. The case was closed as a duplicate it is not a duplicate it is a totally different complaint. 

I provided documentation in which several pH mortgage Representatives inform me wrongly. I was advised by administrators customer service reps and the like that my XXXX XXXX XXXX was enforceable and that the second cold borrower signature was not required. 
This information was provided to me over and over and over again which caused the delay in obtaining the second cold signers signature. The second borrower XXXX XXXX XXXX does not live at the residence. She resides in the state of XXXX XXXX and had I been provided with the correct information I would have promptly collected the signature from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make sure that the first loan was approved. 
This negligence on the behalf of PHH Mortgage has put me in a financial Bond and am now facing XXXX because of this negligence. What is the responsibility of the company to the loan holder? This bait and switch where incorrect information was provided should be reprimanded. I am a consumer who knows nothing of the process and procedure of PHH Mortgage and depend on its customer service representatives and other employees to provide me with the correct process and procedure for my specific situation. I feel As though PHH hold a responsibility for this situation and should attempt to rectify it. A company wide XXXX of false information should never be tolerated by CFPB.
Product: Debt collection

I wrote to AD ASTRA RECOVERY SERVICE about an account that had shown up on my credit report when I was denied a mortgage loan acct # XXXX. I then sent a certified letter stating I want validation that this was my account I never owed them. They sent me paperwork stating that I was the borrower of. However, they violated the Fair Credit Reporting Act, Section623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. I then sent a second letter stating the following above I have not received a response, but they have marked this account as disputed on my credit report after the required 30 day period.
Product: Mortgage

I am XXXX XXXX - filing this complaint for my XXXX, XXXX XXXX. She appears to have been involved in some predatory banking with Santander Bank, N.A., XXXX. She is currently XXXX years old, was given a line of credit of {$100000.00} in XXXX on a home that was not worth that much, but my main concern is that she only had {$630.00} coming in via SSI with no other means of repayment. I do not think she understood that this had to be paid back, possibly she thought it was a " reverse mortgage ''. Plus already had a line of credit from XX/XX/XXXX with her Mother who has been deceased since XX/XX/XXXX in the amount of {$10000.00}. She has given my sister and I power of attorney so we can assist with this matter. My grandparents built this home in XX/XX/XXXX and had it paid off XX/XX/XXXX. I do not understand how she qualified for these monies. Now the bank wants us to put the property up for sale before they will foreclose. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CT XXXX Cell XXXX Work XXXX
Product: Debt collection

Subject : IMMEDIATE Removal of Fraudulent Account from XXXX XXXX XXXX NATLCRSYS , Account # XXXX To Whom It May Concern, I am writing to notify you that National Credit Systems , Inc. is continuing to furnish a fraudulent account on my XXXX Credit Report. On XX/XX/XXXX, I communicated to National Credit Systems , Inc. and all 3 credit reporting agencies that the account appearing on my consumer report as NATLCRSYS, Account # XXXX, opened on XX/XX/XXXX, with a reporting balance of {$2200.00}, was a result of identity theft, and I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I formally requested that the fraudulent account be blocked and deleted from my consumer report. In that request, I provided all the necessary documentation required by the FCRA to support my dispute and the removal of the fraudulent account. 
Despite my efforts, upon reviewing my most recent XXXX consumer report, I found that the fraudulent account is still being reported. Moreover, National Credit Systems , Inc. has failed to provide me with any documentation to validate this fraudulent debt or any documentation to support their claim that I owe this money pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ).

To further clarify, the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) requires that if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Product: Credit reporting or other personal consumer reports

I received a notification from a credit monitoring agency regarding a hard inquiry from Capitol One on XX/XX/XXXX. This inquiry had incorrect employment information as well as incorrect address listed. I called Capitol Ones Fraud department, who stated they were unable to locate any account with my information, including my social. They then gave me another phone number associated with the applications department who was able to locate an outdated account from XXXX. They stated there are no open accounts or inquiries. This is false, as have a current credit report with a hard inquiry from the XXXX of XXXX. They did not escalate the issue, and were unable to resolve or dispute the inquiry. I have frozen my credit and will be filing a Fraud report with the FTC as well.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries, as I was not informed about them, and the company did them without my consent.
Product: Checking or savings account

Navy Federal Credit Union continues post transactions out of order on my checking account. They are not following the posting schedule and I believe they are doing this to collect more overdraft fees. They do not widely advertise the posting schedule I had to request a supervisor to tell me the schedule because the first representative did not know. This is deceptive practice. They are capitalizing off of people financial hardships during a pandemic.
Product: Credit card or prepaid card

My first consumer complaint about Discover Card was XX/XX/2022, in regard to not being made aware of the ending of my 0 % interest payments. XX/XX/2022, XXXX XXXX, from Discover 's Executive Office of Customer Advocacy sent me the following email : Consumer Financial Protection Bureau inquiry Inbox Executive Office of Discover Financial Services XXXX XX/XX/2022, XXXXXXXX XXXX to me Dear XXXX XXXX Thank you for your recent correspondence to the Consumer Financial Protection Bureau, dated XX/XX/2022. To ensure your concern is properly addressed, your inquiry has been forwarded to my attention at the XXXX XXXX XXXX XXXX XXXX within Discover. 



I am currently in the process of investigating your concern. A detailed response will be sent to you upon completion of my investigation. 



If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX, weekdays from XXXXXXXX XXXX to XXXXXXXX XXXX ( XXXX ). 



Sincerely, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX Discover I have called the above number and wasn't able to get ahold of anyone, nor have I heard from XXXX XXXX XX/XX/2022, there was a declined XXXX purchase that I did not make and reported my card as stolen. I spoke to a customer service representative who put in an order of a new card. I have been experiencing financial hardship for a year, yet I struggled to keep up with my minimum monthly payments. Now my monthly payments have gone up to {$100.00} and I just don't have the money.
Product: Debt collection

Debt collection for a phony and non-existent medical bill by " The Law Offices of Mitchell D. Bluhm and Associates, LLC Attorneys at Law '', claiming that we had radiology services on XXXX XX/XX/2021 for {$1400.00}. All false, we had no appointment on or around that date for any medical services whatsoever.
Product: Mortgage

I am a XXXX year old veteran who served the United States XXXX during the XXXX XXXX. I am also a XXXX XXXX XXXX XXXX  XXXX. I have served my Country and Community my entire life. I am currently a XXXX   XXXX. I have been unable to get my Mortgage company to send my statements to my correct Residence in XXXX XXXX XXXX instead of another address where I do not live XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The correct address is the Property Address. I very rarely see my mortgage statements because I do not know how to use a computer correctly. My son has set up an automatic payment so we can prevent further issues but in the mean time since I was not receiving my statements this caused me to miss 2 payments this year XX/XX/2018 and XX/XX/2018. I was sending my payments through mail when I would remember to do so because I was not getting my statements so I didn't know when to send. I am now in need of major medical XXXX and I need to be able to get some cash out of my one of my houses and cant now because of this issue. If it is not resolved in a timely manner I may die. Please help
Product: Credit reporting or other personal consumer reports

I Reviewed My Consumer Reports Recently and Found That My Rights Were Being Violated Under the FDCPA. There Were Debts On My Report That i Did Not Give Permissible Purpose to Furnish My Information, which is in violation of the FDCPA.