23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since the beginning of XXXX, I have been trying to pay off my mortgage with LoanCare. The funds were wired per the instructions and within a few days, I received a letter stating my mortgage was paid off, and I confirmed by reviewing the balance on-line. Shortly after, I received another letter saying " thank you for paying off your mortgage, here is what to expect next .... '' Then, on XX/XX/XXXX, I received another letter from LoanCare saying my loan was in default since they had not received a payment since XXXX. When I called to inquire how this was possible since the loan was paid off, I learned that some of my funds were returned to my originating bank and I had an outstanding balance on my mortgage. Since then, I have been trying to pay off the balance and have received nothing but push back and issues from the company. This is costing me in additional fees, not only from the mortgage company, but also my bank because I have to pay for each wire, additional interest, and potentially my credit score. This is frustrating and I want to be made whole. I do not think its fair for them to be sitting on my funds and not applying them to my mortgage. I need help because LoanCare is not willing to work with me.
Product: Debt collection

I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report. Midland Funding LLC, has violated the Fair Credit Credit Reporting Act and The Fair Debt Collection Practices Act ( FDCPA ) which states : The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages Credit cards Medical debts Other debts mainly for personal, family, or household purposes.
Product: Debt collection

Someone from Hauge Associates called my work number claiming that I owed a debt. I do not have any debts, and the person, XXXX, claimed she never called me.
Product: Debt collection

This situation started over 15 months ago, I signed with XXXX XXXX XXXX and started a payment plan, since than I have not had any service from them, they have another company they work with called Monterey financial services llc. So far they have taken {$700.00} with no service, I told them I do not want there services any longer they want to report me to the credit agency. I have not had any services from XXXX XXXX they just signed me up and requested my docs and sent me paperwork to sign for service and now they want me to keep paying for no service.
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Credit reporting or other personal consumer reports

Following 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 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 states a consumer reporting agency can not furnish an 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 : accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Zillow Home Loans during their application process pre-approved me for {$450000.00} with a soft pull and I was hoping to get a letter of pre-approval from them as per their site. 

They then asked details and I furnished it. 

a ) They did not issue me pre-approval letter as per the site approval amount and this needs to be issued to me. 
b ) They did a hard pull on my credit file without my consent on XXXX XX/XX/2023 and this needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XXXX XXXX US SM BUS ADMIN ODA XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # 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. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 sates a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a bank account, and have been getting push back because I am being told EWS has a low score for me. I am a victim of identity theft and have only had one bank account ever and that is with XXXX XXXX XXXX XXXX. I have about 12 accounts listed and that isn't me or none of mine.
Product: Credit reporting or other personal consumer reports

Request for Removal of Fraudulent Accounts and Address Update under FCRA Section 605 I am writing to formally request the removal of fraudulent accounts from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which provides for the blocking and permanent removal of information resulting from identity theft. Additionally, I am requesting that my current address be updated in your records.

I have recently become aware that the following accounts were opened fraudulently in my name due to identity theft. Please investigate these accounts and remove them from my credit file : Under Section 605B of the FCRA, credit reporting agencies must block this information within four business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information ; 3. A statement from the consumer indicating the information does not pertain to them.

To assist in your investigation, I am enclosing the following documents : 1. Copy of my Identity Theft Report filed with FTC 2. Copy of a government-issued photo ID Additionally, please update your records to reflect my correct address : New Address : XXXX XXXX XXXX XXXX XXXX Ga XXXX
Product: Vehicle loan or lease

on XX/XX/2024, I sent to Lexus Financial Services a letter requesting specific information ( see attached ). I never received a reply from them. I also wrote the dealership XXXX XXXXXXXX XXXX XXXXXXXX XXXX requesting specific information ( see attached ). They never replied back either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX : XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I do not purchase equities ; rather I rely on CDs so I am very experienced with bank and FCU CD policies. 

Normally, I check the bank website to see the CD rates before making a decision about rollovers. 

Because I have a number of CDs I do have trouble keeping track of rollover dates and roll over policies. In my experience, if I fail to contact the bank about my rollover request, it automatically rolls over at some rate less than the teaser rate ; for example 3.5 % rather than 4 %. I can live with that policy. 

I recently discovered that the Truist bank policy is to rollover my 4 % CD to 0.05 %. After failing to meet that deadline, my only option was to close the CD outside the grace period and pay a {$23.00} penalty. I did check the bank website and confirmed that the going rate was 4 % but I did not look at all the terms and conditions, expecting a small penalty e.g 3.5 % for a routine roll-over. 

Effectively, this policy means that I am held hostage to the bank and can not leave the country for more than 10 days because I might fail to contact the bank during the 10 day roll over grace period. Also I had a total of 4 CDs currently at Truist Bank but I was never informed directly ( verbally ) about this rollover rate of 0 %. Some were rollovers when I visited the bank to add money to the CD. Because my total funds were approaching the FDIC limit, I had to cease adding funds to the CD at each rollover. Hence my surprise at this policy, new to me. 

It appears that the routine mail reminder that the CD was to mature within a couple of weeks does have some details on this policy but I obviously did not look closely at it, as I expected to receive a small penalty but not a penalty of 0 %. 

. It is classic bait and switch tactics and unprofessional for a bank that apparently pretends to have the best interests of their customers in mind for all transactions.
Product: Credit card or prepaid card

On XX/XX/2020, my Old Navy Visa Credit Card was upgraded to a Navyist Credit Card without my knowing or request. My rewards balance of {$660.00} of Old Navy store credit was removed from my account when I was upgraded. 

On XX/XX/2020, I called the Synchrony Bank customer service and was told my rewards balance would show the {$660.00} of Old Navy store credit in my account within 1-2 billing cycles, and that this was the first cycle. 

On XX/XX/2020, I called the Synchrony Bank customer service when I still had not received the {$660.00} of Old Navy store credit in my account. Synchrony Bank said {$560.00} rewards dollars were spent from my account, and had specific dates the rewards dollars were spent, but was unable to provide locations or any other transaction details. I had not spent any of my rewards, and Synchrony Bank opened a fraud dispute for the missing Old Navy rewards. I was told I would receive a letter showing the details of the rewards spent at Old Navy within 1-2 billing cycles. I never received this letter. 

I received a letter about a week later dated XX/XX/2020 stating a replacement " Shopping Pass '' will be issued in my next statement. I received {$15.00} in Old Navy store credit in my XXXX statement, and {$250.00} in Old Navy store credit in my XXXX statement. 

As of today, XX/XX/2020, my account shows {$0.00} in Old Navy store credit, but I should have a balance of {$660.00} to use as Old Navy store credit. I have spent spent none of the Old Navy store credit rewards from my account. The {$260.00} Old Navy rewards  dollars issued in XXXX and XXXX have since disappeared from my account without me using them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX again and I demand that the Credit Reporting Agencies take immediate action on this CFPB Complaint. Credit Reporting Agencies better remove all fraudulent accounts and information from my Credit File in compliance with the Fair Credit Reporting Act section 605b. I just got my credit report, and to my disbelief, there are still multiple accounts on there that I did not open nor have any knowledge of. Let me make this crystal clear - these accounts are fraudulent, and they need to go. I need the following accounts removed as soon possible : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that I did not authorize anyone to open these accounts on my behalf. It's pretty obvious that this is a case of identity theft, and I am currently taking measures to report this to the authorities. If the Credit Reporting Agencies have any evidence to suggest that the disputed accounts and information belong to me, I demand that the Credit Reporting Agencies present it to me immediately. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of the following charge-off entries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are inaccurate and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I demand an immediate investigation and correction of these inaccuracies to ensure compliance with federal law. 

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information within 30 days. Failure to do so is a violation of federal law.

15 U.S. Code 1681e ( b ) : Mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The reporting of these inaccurate charge-offs violates this provision. 



2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692g : Debt collectors must validate any debt upon request. If a charge-off can not be validated, it is unlawful for the creditor or debt collector to continue reporting the account.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1635 : Creditors must provide accurate and fair disclosures related to the terms and validity of debts. Reporting charge-offs without proper documentation may constitute a violation of this statute.

Damages and Remedies If these inaccuracies are not corrected promptly, I reserve the right to pursue legal remedies under the FCRA and FDCPA, including : Statutory damages of up to {$1000.00} per violation. 

Actual damages caused by these inaccuracies, such as increased interest rates, credit denials, or emotional distress. 

Punitive damages for willful noncompliance with federal statutes. 

Recovery of legal fees and associated costs. 


Action Requested I demand the following actions : 1. Conduct a thorough investigation of these accounts to verify their accuracy.

2. Remove the inaccurate charge-off entries from my credit report immediately.

3. Provide a written statement confirming the removal or correction of these entries within 30 days, as required under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 



Next Steps Failure to comply with these demands will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I will consult legal counsel to pursue remedies under federal law for the harm caused by these inaccuracies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I am in the process of selling my home. The title company and myself have made numerus attempts to get a pay off letter without any help. I am sent to close on XX/XX/2021 and if I don't get the pay off letter the sell will not happen and cause me major issues.
Product: Mortgage

XXXX ( XXXX ), a company located in XXXX Ohio, provided a service to real estate investors to purchase, renovate and refinance properties where the investor took on the loan and XXXX was compensated based on the appraised value of the home at the time of refinance. XXXX and a local appraiser conspired to provide fraudulent appraisals to increase XXXX earning potential. XXXX, the loan originator, accepted and used one of these fraudulent appraisals in originating this loan my wife and I entered into in XX/XX/XXXX, and we have suffered significant damages as a result. XXXX and the appraiser were criminally charged in this illegal and fraudulent scheme, and both pled guilty to said charges in XX/XX/XXXX. The parties received prison time and probation for this pattern of corrupt activity. 

In XX/XX/XXXX Chase acquired/purchased this loan from XXXX immediately following the closing ( same day ). I submitted a claim with XXXX and after reviewing the details they refunded my loan settlement fees as they did not want to profit from corrupt activity. While this was helpful the majority of the damages on this transaction lies within the additional loan debt assumed and interest paid to Chase over the last 8+ years. 

I asked that Chase review the indictment, corrupt activity and fraudulent appraisal involving the above-referenced loan. Within the appraisal there is a fraudulent renovation invoice from XXXX, which was used to help inflate the appraisal. The original value based on this fraudulent appraisal was {$150000.00}. A retro-appraisal based on the XX/XX/XXXX loan origination date will value the home at approximately {$80000.00}. This is a difference of {$70000.00}. Given the loan amount was set to 75 % LTV based on the fraudulent appraisal this originated a mortgage much higher than it should have been. 

A detailed accounting of our damages associated with this matter currently totals {$76000.00} ( additional debt assumed and interest paid on additional debt based on fraudulent appraisal ) from the XX/XX/XXXX origination date through XX/XX/XXXX. I am seeking full reimbursement for such damages, plus any amounts by which they continue to accrue ( about {$220.00} a month, or the amount of interest we are now paying on the additional loan debt due to the fraudulent appraisal ). 

Chase continues to send us standard form letter responses that they can not and will not do anything about this matter. We even proposed a settlement which allocates all principal and interest payments paid to date toward the original amount borrowed plus a one time payment from us to make Chase whole on the original amount borrowed and they turned us away. This extremely fair proposal would have made Chase whole on the original amount borrowed but they would not profit from a loan that originated from fraud and a pattern of corrupt behavior. They seem to be OK with making a profit from fraudulent activity. 

As a consumer we find this behavior from a global financial institution unacceptable and unfair. 

Your help in this matter would be greatly appreciated. 
Thanks!