23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XX/XX/XXXX XXXX home loan closed. I took occupancy. Aside from completely shoddy accounting and business practices, now, I have caught them engaged in more activity which appears to be illegal. AFTER my home loan closed and I paid money and moved in and was living in the home, I received a letter from XXXX XXXX dated XXXX XX/XX/XXXX telling me they bought my loan. 

XXXX ) This, as per their letter was NOT filed as a public document. 
XXXX ) I did not give m permission or have knowledge of this loan sale AFTER the fact. 
3 ) PHH Mortgage is now, and in writing, refusing to release my escrow for the LIFE OF THE LOAN.

4 ) PHH Mortgage states my taxes are due in 30-days. NO. They're due XX/XX/XXXX. So that is a lie and another example of shoddy record keeping, accounting, and bad business practices. 
XXXX ) My escrow account was ACTIVE with XXXX XXXX  and that transaction. At no time did I sign off on giving my escrow holdings to XXXX XXXX, moreover, there is absolutely no reason whatsoever to hold onto the escrow account for the life of the loan. 
XXXX ) So arbitrarily and capriciously, PHH Mortgage decided to withhold an escrow for " tax reasons '' that don't exist and can easily be verified with the county, and because XXXX XXXX bought the loan without my knowledge or permission, AND failed to record it as a public document and their own letter even states that. 
XXXX ) BUT... .if I don't like any of this, I can call, for the XXXX time, AN OFFSHORE CALL CENTER via a XXXX number that forwards all of my personal data to a 3rd world country being serviced by people that barely speak XXXX and which are not vetted by the US government. Typically, calls are routed to the XXXX, XXXX, or XXXX XXXX. 

I want my escrow funds released back to me. 
I want PHH Mortgage to be FORCED to stop sending customer data offshore thereby risking American credit, identify safety, etc.
Product: Money transfer, virtual currency, or money service

I requested a {$100.00} one-time XXXX payment from MoneyLion. I have used this service a few times in the past and have never had issues. On XX/XX/2022 when I attempted to utilize this service for {$100.00}, it showed that the money had been deposited into my account with them. However, it never became available for me to withdraw. You can not reach these people via phone and attempting to message them is XXXX on earth. After messaging them on XXXX for days, they still said I had to pay them back even though I never received my {$100.00} from them - so they technically are stealing my money for this transaction. I asked for this XXXX request to be cancelled but they only said they could extend the payback date by 14 days instead of on XX/XX/2022. I do not have any issues paying it back, I just dont want them stealing my money and I want nothing to do with this scam of a company after this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( I never gave XXXX XXXX XXXX XXXX permission to furnish any installment accounts on my consumer report. )
Product: Debt collection

Notice of Intent to Sue. CFR violations, FDCPA violations, Criminal violations, trust violations, breach of fiduciary duties, fraud and several other violations against the consumer. Listed in attached documentation
Product: Debt collection

There are XXXX credit cards on my that happened during time of a credit breach. Under 15 USC 1681 I have a right to privacy and since there has been a data breach I need all these accounts removed due to identity theft and fraud. Dates ranging from XXXX present my social security number and identity has been compromised.
Product: Credit reporting or other personal consumer reports

I did not request the security freeze on my credit report
Product: Mortgage

I am homeowner in XXXX XXXX XXXX for over 30 years and looking to purchase a second home. Last week went to XXXX XXXX everyone there was extremely helpful and professional. 
I was Directed to start the Pre-qualification process with CrossCountry Mortgage and submitted the documents and application on XX/XX/20 on XX/XX/20 received an email for the loan officer that we did not quality there is a score XXXX and was informed scores were low. There is a huge difference. responded to the email and called. Basically they said we have to fix this and resubmit the paperwork. I contacted the bureaus and requested corrections and they will fix this. What it was the worse thing that this company expressed We have to be very careful what kind of customer we approved to live on the community to me this gentrification this illegal and lacking Diversity, Equity and Inclusion.
Product: Debt collection

Company : Credit Acceptance erroneously has a debt on credt report that which is incorrect amount which is adding {$4700.00} more than loan amount at that time.
Product: Credit card or prepaid card

A fraudulent charge was made on the card and soon after reported. The fraudulent claim was denied and claimed the item was delivered to my address, which is false. 

I never made a purchase anywhere near the date of the transaction and never received a delivery after the date of the transaction. 

I was never contacted during the investigation and was only sent a denial letter. 

The card is less than a year old and all purchases were made either online or at our local XXXX 's store. The fraud is likely an internal issue among XXXX 's employees or their affiliates. 

FYI, we have purchased nearly {$20000.00} using this Lowe 's credit card during the 6 months or card ownership and the fraudulent portion was for {$340.00}, fraudulently charged well after the competition of our purchases.
Product: Credit reporting or other personal consumer reports

Despite many attempts to resolve these matters directly with the bureaus for more than a year now, the errors persist on my credit reports, causing harm to my credit. Accounts disputed previously and has been reported as " accurate '' and " verified '' yet the accounts report varying information between the reporting agencies. This is a violation of Fair Credit Reporting Act. Any information found to be inaccurate or incomplete or can not be verified the agency shall promptly delete that item of information from the file of the consumer. These inaccuracies have unfairly impacted my creditworthiness, delete any inaccurate or incomplete information. I trust that you will handle this matter with the urgency and seriousness it deserves. I request the immediate removal of these accounts. Ensure these files are TRUE, ACCURATE reflection of account. All furnished information must be a complete and accurate without error and complaint with guidelines. Accounts showing inaccuracy must be removed. 
XXXX XXXX XXXX XXXX XXXX also reported as XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX also reported as XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX also reported as XXXX, XXXXXXXX XXXX XXXX XXXX XXXX also reported as XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold my account to two different companies and it is now showing up on my credit report two times with two different companies at a {$1.00} difference. I disputed with no response.
Product: Debt collection

I called Portfolio Recovery Associates on XX/XX/2018 in an attempt to make the final payment of a three part installment debt settlement agreement. I agreed to pay approximately {$1800.00}. The final payment was supposed to be {$600.00}.

I called this debt collector five times. Four of the first 5 times, they hung up the phone on me, after I provided my social security number, but declined to provide my name. 

I declined to provide my name to the debt collection agency, because I could not think of any justification for requiring my name, if I have provided my social and they are looking at all my profile information which include my name on their screen. I was collecting from a recognized phone number. They are a debt collection agency, any information they obtain would be used for that purpose and I was not interested in providing anymore information to them than absolutely necessary. 

The first 4 debt collectors refused to take my payment and hung up the phone on me, angry, frustrated and annoyed that I had refused to confirm my name. Apparently, they missed the irony of being on the receiving end of an unwelcome phone call regarding a debt -- in this case, a debt for which they bore zero responsibility. 

This complaint regards statements made or not made by the 4th debt collector. I asked her on several occasions, " Are you a debt collection agency? ". On every occasion, she refused to affirm that she was a debt collection agency and refused to say that any information obtained would be used for that purpose. She insisted on answering simply, " We are Portfolio Recovery. We handle personal business matters. '' She repeated this over and over again. 

I find the statement this company has seemingly trained their employees to utilize ( " We handle personal business matters. " ), when juxtaposed with what collectors are required to say ( " this is an attempt to collect a debt '' ) and disclose, to be deeply misleading. 

I feel this organization has violated federal law, the FDCPA, in seemingly training their representatives to say, " We handle personal business matters '', specifically when asked, " Are you a debt collection agency? ". I further feel Portfolio Recovery Associates is a threat to consumer rights and protections and it is within the purview of the CFPB to conduct a full investigation, to compel them to follow federal consumer law and punish them as necessary. 

I pray you will investigate this matter promptly. 

It should be noted that the fifth agent was an extremely polite woman who did not try to compel me to do anything, but simply took my social security number, confirmed my information on her screen, confirm the payment history and call history with me and collected the payment from me. She exhibited great humility, poise and emotional intelligence, attributes which I found completely lacking in all other agents. That is a credit to the 5th agent and a disgrace to their entire organization.
Product: Debt collection

EQUIFAX HAS NOT FIXED THIS ISSUE. I am requesting EQUIFAX VERIFY PURCHASES with ORIGINAL WRITTEN DOCUMENTATION OF ITEMS ORDERED FROM MY IP ADDRESS SIGNATURE ITEMS WERE DELIVERED INTO MY HANDS WITH ORIGINAL WRITTEN SIGNATURE DELIVERIES ACCEPTED. I AM A DISABLED VICTIM XXXX XXXX XXXX XXXX OF ID THEFT FTC case XXXX. Reported to XXXX XXXX  XX/XX/XXXX XXXX FIVE NEW CARDS ISSUED from XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX AFTER I REPORTED THE FRAUD. See attatched XXXX  letter dated XX/XX/XXXX. ** These transactions CLEARLY WERE reported timely. See attatched XX/XX/XXXX CRIMINAL INVESTIGATION POSTAL INSPECTION SERVICE USPS DELIVERIES NOT MADE ZIP CODE AREA XXXX. ** XXXX  REFUSES TO PROVIDE ORIGINAL WRITTEN DOCUMENTATION DELIVERIES ACCEPTED ie picked up post office orignal signature PURCHASES WERE MADE BY ME ie WRITTEN ORIGINAL DOCUMENTATION MY IP ADDRESS & DELIVERED INTO MY HANDS WRITTEN SIGNATURE OF RECIEPT. Proof of burden XXXX  needs to CONFIRM I RECIEVED THESE GOODS. THESE ARE UNAUTHORIZED TRANSACTIONS. I SWEAR UNDER OATH TRUTH WHOLE TRUTH NOTHING BUT THE TRUTH. XXXX   COLLECTS ON ID THEFT WHICH IS ILLEGAL. These provided to XXXX XXXX  corp office FRAUD PREVENTION & ONCE REFERRED TO BRANCH OFFICE AFTER A YEAR IN CORP OFFICE ** ( XXXX ) FIVE BANK BRANCH OFFICE XXXX XXXX EMAILS UPON REQUEST CONFIRM 12 PAGES OF DOCUMENTATION RECIEVED ** DISMISSED. WAITING RESPONSE CORP FRAUD PREVENTION. XXXX  CLAIMS ALL COMPLAINTS I SUBMIT TO CFPB ARE DUPLICATES. THIS ONE PROBABLY WILL BE DISMISSED AS DUPLICATE ALSO. NEVER RESOLVED. I DEMAND EQUIFAX VERIFY DELIVERIES ACCEPTED INTO MY HANDS WITH WRITTEN SIGNATURE DOCUMENTATION.
Product: Credit card or prepaid card

I used my XXXX Chase credit card to make a purchase through XXXX in order to fly with my parents ( my father was very ill ) from XXXX. I later was charged a total of {$630.00} ( {$210.00} per ticket ) in fees. I would've used any other card for this, but because this is a XXXX card and I booked through XXXX I understood that there would not be any other fees. The fact that I was charged {$630.00} because I was told I should use my XXXX card for XXXX or Mileage Plus purchases is misleading and defrauding me with these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with fair credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX - account # XXXX, XXXX XXXX  - account # XXXX, XXXX  XXXX - Account # XXXX, XXXX - account # XXXX, XXXX XXXX # XXXX, XXXX XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX XXXX -account # XXXX, XXXX XXXX- account # XXXX, XXXX XXXX -account # XXXX, Has Violated My Rights. 

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

15 U.C.S 1681 section 604 section 2. It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.C.S 1681c. ( A ) ( 5 ) section States. No consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be totally examined. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused colossal difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening as quickly as time permits. I sympathetically demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the vital advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and respectability of my credit record so I might recapture command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Checking or savings account

My purse was stolen along with my checkbook, bank card and I'd. The bank was informed within minutes. I closed my account. The bank opened a new account. Two checks were fraudulently written. The bank erred in protecting my new account. One check was corrected, but the bank refuses to take care of fraus dweck of XXXX. Despite the fact I signed and submitted an affidavit if fraud on both checks on same day. Meanwhile my account is now overdrawn. It refuses to give me my money I deposited from my paycheck before any of this fraud. The bank refuses to acknowledge the disputed fraud check. I've filed police report. The bank and police are aware both of the fraud checks were written on same bogus account and name on the sa.e day. The bank reversed all of my on line payments in order to pay itself back, but not correct the fraud error. I've been told over phone it could take 30 to 90 days to investigate, but refuses to tell me why the fixed one fraud check and not the other. Police have told me the fraud was likely committed by the felony lane gang.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX  XXXX - Account XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Date Opened XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a inorougn ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of the FCRA of accuracy in reporting by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX co
Product: Credit reporting or other personal consumer reports

Hello, I noticed an account that was reported to my credit reports that does not belong to me so I disputed the account to Experian and they do the same thing. They open up the dispute ( send notification ) then 10 minutes later say it's verified and updated. I have reason to believe that Experian is not properly investigating my dispute. I've done this three times and the same thing happened once again, Since they are not properly investigating my claim they need to delete the account from my credit report immediately. I have attached the paperwork I've mailed in along with proof of them opening and shutting the dispute the same day. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

As of XX/XX/2022, Ive been a victim of Identity Theft. Even though I have taken all actions to prevent this person to continue harassing my finances by using credit locks on all 3 Credit bureaus as well as changing my bank information and getting new cards, regardless as of XXXX  XX/XX/XXXX. This individual has been able to access my bank account and withdrew {$500.00} going to a teller in person, handing a scannable and verifiable Fake ID with his face and my info, and has been approved to cash out money from my account by using the fake id and my social security number. 

On XX/XX/XXXX, this individual purchased a {$2500.00} worth of equipment in BEST BUY using my credentials and impersonating me. He tried going to the bank again and the bank notified me due to a security freeze I placed on the account. 

The person is also actively going toXXXX carrier stores with this fake ID and my social to try lock me out of my account and swap sim phone number from my phone to his so he can verify my 2-factor authentication on all my private accounts. I am taking preventive measures and changing my phone but this person still has my social security for the rest of his life
Product: Money transfer, virtual currency, or money service

tried to link an account, XXXX XXXX will not let it happen
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a very old student loan about 14-16 years old with mohela. I recently applied for a home loan and there are an insane amount of late payment marks on my credit record from several years ago. I didnt understand how 9 late payments can result in 36 negative marks. I had one account number with mohela. One monthly payment. I contacted them and said perhaps its a mistake they produced the late payment notice that were sent to me for the ONE account. This is extremely unfair. They dont send notices for each of the four loans if you are told you have one account one late payment, then mark my record one time. As a consumer receiving bills and notices for a single account you have no way of knowing you actually have four. they take your one account and distribute the payment into 4 debts. They never notice you of being late on 4 accounts or however many funding sources you have. If they what to mark your credit for four accounts then the consumer should have the right to a separate bill and notice for each account. 

I have one account with them. Loan # XXXX. If you see all my statements all my notifications were for one loan that is loan # XXXX. They acknowledge its one Loan and one account. How is this okay? If I missed a payment then they should report one late payment under this account. But, they reported four late account payments. Because there are 4 funding sources for my one account # XXXX. A consumer should be informed. A consumer should know that missing one payment is actually going to result in 4 payments missed and four accounts becoming delinquent. But, they send one statement! Unless you know their policies you wont find out until you look at your credit report. This is very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I opened a dispute with Experian regarding a collection with XX/XX/XXXX. I received an updated credit report on XX/XX/XXXX and the collection account has been deleted. XX/XX/XXXX I received another updated report and the collection account was back on my report. I contacted them stating that 5day FCRA notification law states I have to be contacted prior to account being added back to my report. Several reps I spoke with and one in the fraud department stated they could not remove the account without disputing the information. I dont agree with this and I want this fraudulent account removed.