23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Statebridge, As you are aware, I have been trying to resolve this issue with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX as recently as their last response on XX/XX/XXXX through the Consumer Financial Protection Bureau XXXX Their latest response produced more information that states that my previous mortgage company did not pay the XXXX XXXX XXXX loan in question. They were never paid their proceeds during the Escrow and Title proceedings, yet my mortgage went up {$48000.00}. Since my previous mortgage company is gone out of business and the Title company has changed ownership and relocated, they have no record of that transaction and I am at a point where I can no longer challenge this account. I am a victim of the financial crisis of XXXX with my previous mortgage and title company gone. Now, seeing how I just received a response from XXXX on XX/XX/XXXX, how can you file a notice of default on XX/XX/XXXX? Isnt there a time period before you can file a default? 

Maybe you did not receive notice, so I am filing this complaint through the CFPB as record to provide you with information about claims submitted to the original creditor. How can you file another Notice of Default and Election to Sell on XX/XX/XXXX? Isnt there a three-month time period to cure a default in California ( Cal. Civ. Code 2924 )? We contacted you XX/XX/XXXX through the CFPB about us dealing with XXXX the successor to XXXX XXXX, trying to find out what happened to our escrow payment. Which I responded to on XX/XX/XXXX, so when will the three months start? We dont have money to keep paying your lawyer costs and fees while we are disputing your claims. My lawyer says the best action would be to contact you about reinstatement but you filed another Notice of Default and Election to sell. The earliest you should be able to do this action is XX/XX/XXXX based on my first dispute through the CFPB. This is crazy. How is this not another violation? Don't you have to go by the rules and time periods for debt collection in my state? 

That being said we have no choice but to try and reinstate this account to stop this foreclosure. Please provide us information to proceed and reinstate Loan # : XXXX. Any considerations on the terms of reinstating this loan would be appreciated because Im just a XXXX  and I can not keep paying all these fees, Im already out {$48000.00} dollars + your previous XXXX in fees. How does this stop?
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX continue to report inaccurate dates and refuse to comply with 15 usc 1681b. They are reporting transactions between me and XXXX as late when 15 U.S. Code 1681a ( 2 ) ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S. Code 1666b timing of 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. Also Experian, XXXX, XXXX is reporting different dates on all three consumer reports which is inaccurate reporting. The privacy Act of 1974 states I am within my rights to request your company to correct or amend my records. 5 USC 522a states that no source agency may disclose any record which is contained in a system of records to a recipient agency or no federal agency for a matching program if such source agency has no reason to believe that the requirements to subsection ( p ) or any matching agreement ( o ) or both, are not being met by such recipient agency. My intentions are to seek damages not limited to {$1000.00} per violation according to 15 USC 1681n willful negligence. I am requesting due to your reporting being inaccurate this for this account to be reported as current paid in full never late. I am requesting all inquiries and promotional inquiries to be deleted from my consumer report. I am requesting all comments be deleted from my consumer report. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I understand that you've been responding to disputes with pre-written standard form letters, despite the specific information provided by consumers. This is not in compliance with the law, as each consumer dispute must be addressed individually. I have the right to dispute any information on my credit report that I believe is inaccurate. It is crucial that all data in a consumer 's file is properly documented and validated before it is used by creditors. Therefore, I take this matter very seriously. The allegations against me are false, and I am determined to fight back. I kindly request that you handle this matter with care and diligence. 

DELETE THIS FOLLOWING UNVERIFIED ACCOUNT ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request tangible evidence of the actions taken and an updated copy of my credit report. The listed claims seem to be inaccurate, so I urge you to provide accurate and verified information for each claim. If the allegations are indeed false, I expect them to be promptly removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with cashservice and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well, I 'm on a joint account with my brother with XXXX XXXX. My other issue is my payment on my XXXX was lowered. But, I 'm the only working in my household for the past year and XXXX. Now I 've been laid off. The Capital One Card was stolen last year. The people who stole the card along with money at a XXXX XXXX, jump up the difficulty to pay the card off. I 'd like to get better credit, but I 'm not clear as to if I 'm paying for all the money spent that myself nor my brother did n't used, or is it something else? We were late sometimes. Partly due to income change. However, I now ca n't apply for any line of credit. I 'd like to make really small payments. But receiving those phones calls often, gave me anxiety & let to medication. Just overwhelmed. My brother just told me it was lowered to {$200.00}. Does that mean we can make increments in payment. Im actually preparing to make another payment, small but it 's something. Need help, do n't know exactly what to do?
Product: Debt collection

To : whom it may concern I was seeing a XXXX for my car incident. My lawyer informed everyone was paid for their services. However years later Im receiving phone from a collection agency stating I owe money. I don't owe any money. I do not want this collection to go on my credit. 

XXXX XXXX
Product: Credit reporting

I have few student loans from XXXX XXXX. The XXXX XXXX loans from them was on XX/XX/XXXX, XXXX XXXX loans was on XX/XX/XXXX. But based on Equifax 's credit file my loan starting dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am attaching the letter that I received from XXXX XXXX that shows the loan dates and amounts. I requested EQUIFAX to investigate the accounts but after 30 days they bring the conclusion that everything had been reported accurate. It 's a clear violation to FTC rules. Please ask them to remove the in accurate accounts to remove off my file.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received a false statement saying my account was past due, when in effect, it was not past due. The direct debit was scheduled on a weekend, the next billing statement was generated during that same weekend. When I called to ask for a new statement, they acknowledged this was a problem with their software, know it is a false representation of my account, and yet, have no solution to fix this problem in the future. They also acknowledged my account is current, always has been current, and yet refused to re-generate an accurate statement reflecting that. I can only theorize that if this is occurring to me, it must therefore be occurring with other customers as well. They know it is a bug in their software, yet they continue to make these false billing statements causing people to believe their account is behind when in reality it is current.
Product: Debt collection

I am a victim of identity theft I have never applied lived or rented anything with these companies or lived in XXXX XXXX XXXX XXXX I do not have any contract with this company and they are alleging I have a debt with them and have violated my right in consumer law to illegally collect this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I was at the XXXX dealership today XX/XX/2020 and when they ran my credit to see if I qualified for the car loan I wanted, I was told that I did not get approved because there are two accounts in negative standing as well as several inquiries. I looked through my credit report and those two accounts as well as the inquires do not belong to me and I did not allow anyone to open them in my name. The accounts are from XXXX XXXX and XXXX. I do not have any written/verbal contracts with those companies nor have I ever opened an account with those companies. I did not benefit anything from those accounts and inquiries that were made in my name without my permission such as money, goods, services or any other benefit nor have I ever made any purchases or payments towards any of those accounts. I have already filed a police report as well as a complaint with the consumer financial protection bureau regarding these unauthorized accounts and inquiries.
Product: Money transfer, virtual currency, or money service

Small transaction pop-up, stolen funds and no customer contacts only automatic call responses.
Product: Credit reporting or other personal consumer reports

Urgent Request for Investigation and Removal of Fraudulent Account and Credit Report Inaccuracy** XXXX UN AUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE FOR THIS IS NOT AUTORIZED AND IS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX XXXX, Mediator, Instant Settle Consultants LLC, located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. On XXXX, I sent her through email a letter about the discrepancies about a settlement account that we, my wife and I have established since XX/XX/XXXX. After I indicated to her the discrepancies and false statements that she made over the year about the account that she was solely managing. I also requested a reimbursement of {$600.00} since we had a balance of {$2800.00} while she claimed a balance of {$2200.00}. She promised to look into with her lawyer since then. 
On the spreadsheet ( see attachment ) sent on XX/XX/XXXX, she provided a spreadsheet with the following : Total Deposits : {$5500.00} ( details on Spreadsheet ) Merchant fees : {$190.00} Settlement 1 : {$1200.00} Settlement 2 : {$1300.00} Settlement fees : {$500.00} Balance : {$2200.00} Despite, my multiple requests, she never provided details of the two ( 2 ) settlements that she has made on behalf on my wife. I requested the reimbursement of the balance of XXXX at that time when I became increasingly suspicious of her actions. It took a long time before she wired the money to my XXXX   XXXX  account for the amount of {$2200.00} In a letter to my wife, dated XX/XX/XXXX ( see attachment ), she claimed that the total Deposits since XX/XX/XXXX to XX/XX/XXXX : {$4900.00}. This is incorrect since I made 15 deposits, not 13. Her own  spreadsheet and snapshots support that. On XXXX, I made two ( 2 ) payments, not one : on XX/XX/XXXX for {$300.00} posted on my bank account the same day ; and on XX/XX/XXXX for {$300.00}. As well, On XXXX, I made two ( 2 ) payments, not one : on XX/XX/XXXX for {$300.00} posted on my bank account on XX/XX/XXXX ; and on XX/XX/XXXX for {$300.00}. She had confirmed these deposits on her XX/XX/XXXX email, which is attached as well on the spreadsheet that she sent to me on XX/XX/XXXX. Therefore, the total deposits on the Trust account were {$5.00}, not {$4900.00} as stated on her XX/XX/XXXX letter to my wife. In the same letter, she added the following : Payments made to XXXX XXXX for XXXX : {$2000.00} Fees earned for the XXXX Settlement : {$610.00} Refund sent to Citizens bank : {$2200.00} Contrary to the facts that you provided on XX/XX/XXXX, it appears that you have settled only ONE of my wifes accounts. Therefore, you did not settle her Citi/bestbuy account as previously stated. Instead of {$2200.00}, you should have refunded to my XXXX XXXX for {$2800.00}. But she refunded only {$2200.00}. Therefore, you owed {$600.00}. I requested the refund of the {$600.00}. Once again, she is using the same deceitful tactics to avoid sending the {$600.00} that she has been holding I will greatly appreciate your assistance so that XXXX XXXX send the remaining {$600.00} on the balance she has been holding. 
Sincerely, XXXX XXXX
Product: Mortgage

This is not your garden variety foreclosure complaint, and your kind attention to this matter is very greatly appreciated. Back in 2009, during the height of the economic and housing crash, we fell behind on our mortgage after I was laid off from work. After going through foreclosure mediation ( read : please move out of your home before we get midieval on you ) we entered into and completed XXXX loan modification programs over the course of XXXX years, of which, the XXXX modification was a HAMP approved modification with assurance that the modification would proceed pending our successful completion of the trial period. The prior XXXX trial periods we entered into seem to in retrospect have been deceitful attempts to collect payments - only with no real path to a permanent loan modification, as the lender would n't inform us of their decision to modify until after we completed payment plans, which we did ... and they did n't. 

In total we have made $ XXXX in trial payments to the lender on home valued at between $ XXXX and XXXX depending on the state of the real estate market here in Florida during this time. 

In XXXX different trips to court, we consistently presented substantiating documents that we have meet every trial period payment obligation, including the HAMP approved trial payments and all trial period obligations including credit counciling, and new employment ( to qualify financially ). The court ultimately dismissed the case for reasons that include the plaintiff could not verify paperwork the court wanted to see, and the plaintiff attorneys in court argued that the HAMP approved loan modification documents were not a true, authentic offer but just an assurance they might modify the loan. This gets to the heart of why I am contacting you to issue this complaint. We believe the documents were an authentic HAMP approval as they laid out all the terms for modifying the loan, including interest rates, exact amounts of principal reductions, and exact amounts of XXXX payment bonuses, and included statements that they would modify the loan pending our successful completion of the trial period. 

Ultimately, we did complete the trial period successfully and the lender failed to issue final loan documents for us to sign. They have never contested our completion of the trial period, they just simply never sent us the documents. 

Now to the present, we have received an influx of new pre-foreclosure letters from the lender, including among them, an explanation that the HAMP approved modified loan was never issued because we failed to sign the loan documents! This letter, accusing us of being the reason the loan was n't modified because we failed to sign the documents is the proverbial " final straw that broke the camel 's back, '' and we believe is worth your consideration for initiating an investigative inquiry. 

There is no doubt we will be sued again, and we will fight once again for the loan modification we have worked so hard for, but hopefully during this process we may have an advocate in you and your team at the CFPB. Thank you.
Product: Debt collection

Im receiving letters and telephone calls of harassment, abusive and profane language, garnishment of bank account, death threats and threats of being sent to jail and prison continuously from attorneys at Gurstel Law Firm, a debt collection law firm, for a debt that is not my debt and is the result of identity theft. The debt is a fraudulent debt and isnt my debt. Gurstel Law Firm is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law.
Product: Mortgage

I have been trying to refinance my house since XXXX 2015 with XXXX XXXX XXXX. My current mortgage company Ocwen Loan Servicing has not provided the correct or necessary documentation to show that they are authorized to issue the necessary satisfaction of mortgage for my loan. Because of them not providing the proper documentation I am not able to refinance or sell my current home. I have made several phone calls to them and also my lawyer XXXX XXXX and they still keep send the incorrect paperwork.