23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2015, I filed a law suit against Midland Mortgage for an alleged loan that was in default. The case is still pending in XXXX XXXX XXXX Court. I received the attached threatening letter from XXXX XXXX XXXX ( debt collectors ) stating my home is in foreclosure as a result of the property owner 's default. XXXX XXXX XXXX did not obtain my prior consent to contact or speak to me. This is identity thief because you have my name and address and have communicated with me via the mail without my consent. The letter states " within the next XXXX XXXX days, title to the property is expected to be transferred to Midland Mortgage, a division of MidFirst Bank. Sometime thereafter, ownership of the property will probably be transferred to the Secretary XXXX ( XXXX ) ''. I dispute the letter in its entirety. What allegedly account number and loan number? Is XXXX Bank, Midland Mortgage, and MidFirst Bank XXXX in the same? This is deceptive collection. Who are you hiding behind? Are you a creditor? XXXX XXXX did not validate nor verify anything. Where is the alleged debt validation or verification? Please cease communications until the alleged debt is validated and verified and my questions answered. Who are all of these people? I will sent a Notice of Dispute and Debt Validation Notice along with a copy of the case filed against XXXX Bank, excluding my private information. If you would like to be added to the case that exist in XXXX XXXX against XXXX Bank, please let me know. If the alleged loan is expected to be transferred to XXXX Mortgage and will probably be transferred to XXXX, who allegedly owns the loan in default now? Is it MidFirst Bank? Why is a XXXX account number at the top of your letter if they do not have the alleged loan now? If they have the alleged loan now, why did you sent a XXXX employment verification form and a XXXX Occupancy Conveyance Form if XXXX does not have the alleged loan? If they have the alleged loan, they would have the information that you are requesting. Why should I send my private personal information to a debt collector? I will also add damages for the violations that you have committed against me utilizing my protections under the Fair Debt Collection Practice Act. This is fraudulent, deceptive collections and a threat against me as a natural person, consumer, and creditor.
Product: Credit reporting or other personal consumer reports

XXXX is the account on Equifax report the status is blank shows nothing. This is an account that was closed never late and paid in full in 2019. XXXX  report is the only one who seems to correct things in a timely manner each time I try to this handled I get know where but deflection from Equifax. This is a very simple correction just update the payment status to closed paid in full never late to show a positive account history as it legally should be. This has been holding up for over XXXX years now of trying to get this corrected. I have mailed the proof many times as well as attach proof on the dispute center on Equifax still no correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A CALL FROM A STUDENT loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$270.00}
Product: Money transfer, virtual currency, or money service

I remitted money to XXXX through sigue corp on XX/XX/2024, and I have not received it in XXXX! I have requested a refund from SIGUE CORP through different methods. Now it has been XXXX months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/2024, and SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Debt collection

Afni , Inc . 
XXXX XXXX XXXX, XXXX, IL, XXXX To : The Office of Registered Agent for Afni , Inc . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to repre-sent that you and XXXX AT T are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX , together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any XXXX Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have XXXX days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I've been a Coinbase customer for some time and have been very patient, understanding that they have plenty of problems with their system at the moment. However, I have made a bank wire withdrawl in USD from Coinbase to my bank account for about {$15000.00} on XX/XX/XXXX and have not seen anything come in. It was supposed to arrive that Friday and now 3 weeks later and no response. I have talked to my bank to look into the matter and they checked back up to 3 months and found no initiation for a deposit into my account. Coinbase emailed me and told me they sent my case to their special team to look at, but I have not had a response for a week now, and I have not received any follow ups from their " special team ''. A few things I would like to know and understand and would like to ask @ Coinbase is When will I receive a response. Also they marked the payment as sent and it clearly was not initiated. Why mark payment as sent, if it isn't really sent. Where is the money, if not in my accounts. I understand they are busy with many backlogs, but my concern is that I can't see where the money is, its not in my bank account or Coinbase account, and Coinbase has not made it clear how their transfers work and why it takes so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the accounts from my file. 
XXXX XXXX XXXX : {$120.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX : {$1900.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I did paperwork to buy a zero-turn mower for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX that is on XXXX and XXXX. I provided XXXX non-profit organization XXXX number for the purchase. It is a board organization, and I am an XXXX. After calling XXXX XXXX and Equifax then XXXX again along followed by a lot of finger-pointing. I signed the paperwork for the XXXX With their name on it to purchase with 0 %, NOT MY NAME. The store spoke with XXXX over the phone XXXX times while it was the business before I signed on behalf of the XXXX 's purchase. The next morning, I got a call from XXXX letting me know they don't lend to XXXX 's and that I would have to go back in and re-sign the paperwork in my name. I refused. Who takes on personal debt for the Employer? From the beginning, it was clear that this purchase t was NOT for me but for the XXXX ; thus, they asked me to bring our XXXX number to the XXXX when I came in to conduct the transaction. We Cancelled the transaction, and the XXXX wrote a check to the XXXX XXXX that morning. I Issue is now my credit report was confirmed by Equifax that I have a new inquiry for a new open line of credit that Is not MINE from XXXX. I begged both Equifax and XXXX and to help me correct it and each said that the credit request was made in my name so that is just tough. It is what it is, and each blames the other for not helping me fix it. neither will take the proper steps to remove that unauthorized use of my credit information for this transaction that no longer exists because I cancelled this whole mess. I did not resign the purchase agreement with my name on it because they slipped up, made the transaction contrary to their own policies by agreeing to do it in the name of the XXXX using my credit information that was not correct. Requests for new lines of credit lower your credit score for 3 years, and I had no intention of buying a lawn mower for the XXXX. Now they just tell me how wrong I am and all the ways I did something wrong. I want the request for the new line of credit set up without my consent, that was cancelled in less than XXXX hours from when it happened and no longer exists that they pushed forward off of my record. They XXXX declare it is no fault on their side but without them this could never have happened. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX  Account Number XXXX 15 U.S.C 1681 section 602 A Clearly states that's I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer agency can not furnish an account without my written permissions.

15 U.S.C 16666B A Creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several of laws under the Fair Credit Reporting Act.
Product: Debt collection

I have been contacted, and the company Convergent Outsourcing Inc. working for XXXX XXXX XXXX XXXX XXXX who somehow acquired the account from XXXX has sent me 2 letters in the past month on XX/XX/XXXX and on XX/XX/XXXX about a debt that I do not owe. I also have received several phone calls in months past about the debt. I submitted a police report to the company last week XX/XX/XXXX proving to them that the fraudulent bill was a matter of identity theft. I continue to be harassed by companies that the original debtor has employed to try to continue to collect on this debt. I filed a police report on XX/XX/XXXX and reported the same information to all 3 credit bureaus in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I discovered that I am a victim of identity theft, there are fraudulent accounts I did not open on my credit report. This has caused me significant distress and hardship. These fraudulent accounts are hurting me deeply, preventing me from improving my quality of life for myself and my family. As a first-generation XXXX born to immigrant parents who came here seeking a better life, this situation is devastating. It feels as though the credit bureaus and creditors are not taking my plight seriously, possibly due to the commonality of XXXX names, which smacks of discriminatory practices contrary to the Equal Credit Opportunity Act. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C. 1681i sections 611, 15 U.S.C. 1681s-2 sections 623, 15 U.S.C 1681 section 602 A, and 15 U.S.C. 1681s-2 ( A ) ( 1 ). Please delete the fraudulent accounts immediately. I believe these fraudulent activities are a direct result of the XXXX data breach which led to Experian having inaccurate accounts on my report. Despite being affected by this breach. This failure to notify me has left me vulnerable and unprepared to address the fraudulent activities in a timely manner.
Product: Mortgage

My mortgage loan was sold from XXXX XXXX to Specialized Loan Services in XX/XX/2020. The loan information generated with this new mortgage company, Specialized Loan Services, is not correct. Their loan has me listed as a co-borrower, and it has listed as the main borrower a person I am not related to, and is not part of my loan in any way. Moreover, it has the wrong address listed for mailing important mortgage-related documents, meaning that sensitive information about my loan is being mailed to an address that the company has no authorization in which to mail said documents. 

I have attempted to work with Specialized Loan Services on three separate occasions, since learning of this issue. This encompasses two phone calls and an email to their customer service. All attempts at resolution were met with a runaround approach. Complaints were  escalated to other departments with no follow through, or just no response. Their customer service prompt to even begin speaking with a rep is in excess of 4 minutes of options and dialing in that ultimately result in requests for callbacks that can go in excess of hours or days to return. Once a representative is on the phone, there are no extensions in which to call back or check on requests. This makes it unreasonably burdensome to continue a fruitful conversation with SLS, and is telling of their inability to appropriately manage their accounts. 

Right now my loan is technically in the hands of a person that is not the actual loan holder, and my sensitive mail is going to an address not mine. I am extremely distressed by the damage this can wrought. I am requesting immediate assistance from CFPB in working with XXXX XXXX and Specialized Loan Services to  coordinate what went wrong and how it can be resolved immediately and with no additional interruption to my life than has already been. 

I am also requesting a regulatory investigation by CFPB to determine what laws, regulations, or otherwise good faith practices have been neglected or broken by SLS in the servicing of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting violations on my credit first. 

First, under the FCRA 605 section C running of the period it is a violation to re-age an account. XXXX is reporting the date of last activity on XXXX as XX/XX/2019. Equifax is reporting XX/XX/2019 i have sent them several debt validation notices through the cfpb in which they still fail to provide proof that i owe this account besides my address, i have no knowledge of this account, and credit one bank failed to provide any verification of the debt, i attempted to settle an account that not mine and they are not complying the to the amount that i can afford under the FDCPA 809 b i can file suit for not validating the debt yet they continue to collect on it futher in case from Lefevre Boatley vs Diem corp, it was ruled that if a collection agency have not violated your debt and they still continue to report to the credit bureaus they can be sued. 

they have not provided a copy of the account or written contract, and are refusing to do XXXX  and Equifax has responded both times saying this account has been verified as accurate i have attached the information from my XXXX  credit file where they claims the information was verified as accurate and that it meets fcra requirements
Product: Credit reporting or other personal consumer reports

I took out personal loan from XXXX on XXXX of XXXX for {$10000.00}. I made in time payments on XXXX of month until XX/XX/XXXXXXXX XXXX 
I was contacted by XXXX XXXX in XXXX of XXXX that my interest rate was too high, and they could negotiate settlement and cut payment term years in half. 
I started making payments of {$270.00} on XXXX of each month to XXXX to the negotiation and towards settled amount when it was final. 
on XX/XX/XXXX, the amount of {$1000.00} was settled for $ XXXX.as of today, I have made on time payments to XXXX  and @ ) XXXX has been paid to settlement amount. 
XXXX still reports wrong amount of {$10000.00} still active, and reports XXXX, 120 days late. I have repeatedly filed dispute with Experian and XXXX XXXX, but XXXX still reports wrong amount and late payments.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies on my credit report with Experian regarding late payments inaccurately associated with my XXXX XXXX account. This loan was fully paid off in XX/XX/year>, as accurately reflected on my XXXX report. However, Experian has incorrectly listed late payments post-account closure, which is both inaccurate and misleading. 

Furthermore, during the XXXX pandemic, I reached out to creditors, including Credit Acceptance XXXX and entered into payment deferral agreements as allowed under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. Section 4021 of the CARES Act amends the Fair Credit Reporting Act ( FCRA ) to ensure that accounts modified due to pandemic-related hardships should continue to be reported as current if they were in good standing prior to the modification. Reporting late payments during this period violates these protections and misrepresents the true status of my account.

Under the Fair Credit Reporting Act ( FCRA ), Section 623, and as enforceable by FACTA 312, furnishers of information are required to conduct reasonable investigations into disputes. Additionally, 15 USC 1681i ( a ) ( 7 ) entitles me to a detailed description of the procedures used in your investigation. To date, I have not received any documentation detailing the investigation into this matter, leaving me without clarity on how these inaccuracies have been assessed or justified. 

The inconsistent and inaccurate reporting violates consumer protection laws that mandate maximum possible accuracy in credit reporting. These errors have negatively impacted my financial standing, and I am committed to ensuring this matter is resolved promptly and fairly. I respectfully request a thorough investigation, the removal of the erroneous late payment entries, and a copy of the information used during your investigation process. 

Thank you for your attention to this matter and for supporting my efforts to maintain a fair and accurate credit history. 

please find attached a copy of my XXXX credit report showing XXXX late payments, a letter to experian, my ID, my SSC, my proof of address.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 if ( 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 ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Credit card or prepaid card

I applied for and got approved for an American Express card in XXXX. I was living in XXXX at the time and the card was supposed to arrive at my apartment by XX/XX/XXXX. The card never arrived. I moved to XXXX  a few days later and checked with the friend who lives in my XXXX apartment to confirm that the card never arrived. I called Amex and asked for a replacement to be sent to my new address in XXXX. They sent it and said it would arrive by XX/XX/XXXX. It did not arrive. I called Amex again on XX/XX/XXXX and asked if there was a tracking number or some other identification to track down the card. They said there was not and they could not expediate it. They said they would send another card that would arrive by XX/XX/XXXX. At this point, I mentioned that they haven't sent the card twice to two addresses. And asked them to send the card with a tracking number so I can confirm that there isn't any issue. They refused. 

It's very concerning to me because every credit card application impacts my credit report. And despite approving the card, the company has failed to send it multiple times and refuses to give me any way to track that the card has been properly mailed.