23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Separate and aside from criminal conduct as set forth and explained within the correspondence annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " XXXX  XXXX XXXX '' ), the latter 's employee XXXX XXXX XXXX ( " XXXX  XXXX '' ) in conspiracy with XXXX XXXX XXXX " XXXX '' ), PHH Mortgage Corporation dba PHH Mortgage Services ( " PHH '' ), XXXX XXXX XXXX ( " Attorneys XXXX  '' ) and others, are evading my demands and request made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

Furthermore, as set forth within my communication to be forwarded to the foregoing parties that is annexed hereto as Exhibit " A '', along with Exhibits B through I that are also enclosed hereto and explained within my communication submitted herein as Exhibit " A '', XXXX  XXXX XXXX and the latter 's employee Attorney XXXX on behalf of XXXX and PHH submitted false - forged evidence to the CFPB on XX/XX/XXXX constituting violations of 18 U.S.C. sections 1001 and 1343. 

Specifically, the foregoing parties continue to misrepresent that I defaulted on my mortgage loan as of XX/XX/XXXX, while omitting and concealing the first foreclosure action set forth default as of XX/XX/XXXX with no payments made thereafter through XXXX XXXX, and I tendered approximately $ 21k in payments with approximately $ 16k being cashed, non of which I am being given credit for as explained within my communication annexed hereto as Exhibit " A '' and displayed within Exhibit " G ''. 

In closing, the conduct set forth above, explained within Exhibit " A '' and displayed throughout Exhibits " B '' through " I '' that are also enclosed hereto, constitutes continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No.  XXXX on XX/XX/XXXX.
Product: Debt collection

Called numerous times saying they were going to come to my house unannounced and to be ready for them when they get here and serve me papers and notify the authorities and my family and employer. Did some research and they are a scam collection company working off a PO Box at the XXXX store.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I tried to lift a security freeze at ChexSystems. With all of the other credit bureaus I am able to log in to my account and place or lift a freeze with ease and within minutes. ChexSystems no longer has accounts in order to take these actions, which should be effortless for the consumer. Instead a pin system is used, which requires antiquated fax or snail mail to receive. Are we living in the dark ages? 

To resolve my issue, I called the company, multiple times, and only get automated messages. Requesting a human support representative I am told no representatives are available, even though it was within the time period representatives are available. This should be illegal. 

This jumping through hoops is going to XXXX up my ability to get a loan with the terms and purchase the new vehicle at the only time I am available to travel to pick it up.
Product: Checking or savings account

I am extremely disappointed in Capital One. I just recieved a piece of mail that clearly shows my ENTIRE SOCIAL SECURITY NUMBER AND ACCOUNT NUMBER. this is unacceptable and unprofessional. 

I want my accounts closed immediately, since capital one clearly doesnt know how to deal with sensitive customer account information. 

I can not share the document, because that would only further share out my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are inaccurate addresses on my consumer report.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Product: Credit card

I have received 2 scam emails XX/XX/XXXX  and XX/XX/XXXX  with a PayPal receipt that says my Debit card has been charged {$1000.00} and {$3500.00}. The emails are from XXXX and XXXX. the Companies have been listed as " XXXX XXXX '' and " XXXX XXXX. '' I am not a member of Pay Pal, and fortunately there have been no charges to my accounts-yet. Phone numbers provided are XXXX and XXXX. I just want these scams to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX XXXX : XXXX, although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/13, XXXX XX/XX/13, XXXX XX/XX/13. How is that accurate? 

I have no knowledge of this account and have never done business with XXXX XXXX XXXX so why does Experian list an open date of XX/XX/2013? How is this accurate? 

There should be no past due on a collection account yet Experian lists a past due amount of {$1600.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Unauthorized inquires and on Experian credit profile and I request that they are removed because of the serious harm being caused to my profile due to inaccurate credit reporting.
Product: Checking or savings account

This is a long bizarre story but I will give you as much information that I can get in this space.. On XX/XX/XXXX I got a call from someone posing as my grandson that he was in jail injured and needed me to set up a bond to get him out. I talked to the supposed head counsel and he advised me to send XXXX via direct deposit. He gave me the name of the bondsman and his account number for a Chase bank account. I went to Chase Bank and told the teller my story and she advised the best way to send this money was by Direct Deposit and made the transaction from my savings account to their account. I asked her if the name and account was legitimate and she said yes and she put in thru. I found out 2 hours later that this was a fraud. I immediately called Chase headquarters to put a freeze on my account. They told me they could do nothing about this that I would have to go to the bank and they would reverse it. The bank was closed Saturday at XXXX and all day Sunday. On Monday. I went in as soon as they opened and they said they could not help me. On Saturday I filed a police report. I called Chase home office numerous times and got mixed messages and a run around. I was never told that if I did a direct deposit I could lose my money and that Chase would not be able to investigate the fraud.
Product: Vehicle loan or lease

Have been receiving numerous calls from Credito Real USA prior to payment due date of the 15th every month harassing me that the payment is due on the 15th. You can review my credit report and see that this account has never been delinquent. This loan had an origination date of XX/XX/2016 for a term of 66Months. 30 Payments have been made on this account in the amount of {$340.00} for a total of {$10000.00} the original principal balance was {$12000.00} the current principal is {$9500.00}. Lender changed names from XXXX XXXX and now provides loans to people with no XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information contained in my consumer report issued by your agency. I recently obtained a copy of my consumer report and discovered that non-public information has been disclosed about me to a non-affiliated third party without my written consent. This practice is in direct violation of 15 USC 6802, which outlines obligations regarding the disclosure of personal information. 

Upon reviewing my consumer report, I noted that there are accounts, specifically XXXX XXXX  XXXX XXXX Account Numbers XXXX and account number XXXX, Also Credit Inquiries XXXXXXXX XXXX Inquiry XX/XX/ listed without my written consent. As per 15 USC 1681b - Permissible Purpose, I have not provided authorization for the reporting of this personal information. This lack of consent not only violates my privacy rights but also raises concerns about identity theft, as outlined in 18 USC 1028a.

I want to bring to your attention that I have already filed a report with the Federal Trade Commission, and my reference number is XXXX. I expect this matter to be treated with the utmost urgency and seriousness. 

Furthermore, I was not provided with the option to opt out of the items being reported, as is my right under the law. I request that you provide proof of offering me the opportunity to opt out, as required by law. 

In accordance with 15 USC 1681c-2, I demand that the following accounts, XXXX XXXX XXXX XXXX Account Numbers XXXX ( Account Type- Auto Loan ) and XXXX XXXX  XXXX XXXX Account Numbers XXXX  ( Account Type -Credit Card ) and Credit Inquiries XXXX XXXX Inquiry Date XX/XX/2023, be removed from my consumer report immediately. I emphasize that my dispute is not with the creditor but with your reporting agency for not obtaining proper written consent and failing to provide an opt-out option. 

I expect these accounts to be removed within four business days of receiving this letter, in compliance with the timeframes specified under 15 USC 1681c-2. Additionally, I request that your agency remove these accounts without invoking the method of verification, as the reporting was done without proper consent.

Failure to comply with this request may result in further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). I am confident that your agency will handle this matter promptly and in accordance with applicable laws and regulations. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

I am fling a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Mortgage

I recently sold my house and, as a consequence, paid off my mortgage. I moved before the sale was final and updated my mailing address on my account profile on Truist 's website. However, this change apparently only applied to my checking account, not my mortgage account ( both of which I accessed through the same website where I changed my mailing address ). As a result, documents and my escrow refund check where sent to my old mailing address, which I no longer own much less live. There was no indication on their website that changes to your mailing address made online do not apply to your mortgage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach I never recall giving permission to Equifax ( or XXXX, XXXX or XXXX ) to have, hold and steward my personal information. They had a data breach of my personal information and now when I need them the most to place a TIMELY credit freeze on my information, I ca n't get it done online or via phone utilizing THEIR processes. Meanwhile everyday that goes by, I am exposed!! This is unacceptable correct? Additionally, due to THEIR failure I am forced to place a freeze with the other three agencies all of whom want to charge me money to do so. How is that fair to me as a consumer??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax 6 times about 2 old accounts that I had with XXXX XXXX XXXX. The account has been paid in full, and it is too old to still be reporting. They are reporting incorrect dates on this account and they are reporting that I made a payment on this account back in XXXX which is not true. They are also falsely reporting that this account is in a wage earner plan and it is not.I have also been denied credit numerous times because of these accounts. I am requesting that this account be deleted. Equifax is in violation of my rights under the FCRA and these errors are preventing me from obtaining credit. They also refuse to send me the results of the investigation that they claim they did. 

Again the errors are outlined as follows : Wrong dates Too old to still be reporting Has already been paid Falsely claiming to be In a wage earner plan Not providing me documentation of the investigation that they claim they did
Product: Debt collection

One main has destroyed my reputation of stellar credit with false accusations and reported inaccurate information in regards to my XXXX XXXX credit report. 
I have no knowledge of this account and this account does not belong to me. Ive battled with one main for over 6 months regarding their shady and unprofessional tactics.
Product: Credit reporting or other personal consumer reports

There is a XXXXXXXX XXXX account reporting on my credit report. Ive submitted multiple disputes for this account with XXXX, XXXX, and XXXX due to the inaccuracy of the account. 

XX/XX/XXXX I received notice of an account that was disputed via online and it came back again verified and updated. 

XXXX XXXX I mailed a certified letters to all three bureaus in regards to this account. 

XX/XX/XXXX I received notice of an account that disputed via online and it came back verified. 

XX/XX/XXXX I received another update to that account that it is now open The first issue I have is that the issue company is reporting a balance when in reality the company has wrote the debt off and has been able to get money in collateral for the tax wrote off. 

The second issue that I have is I never received any documents about this account. No information on closing of account, no tax documents were sent to me as far as the write off goes becuse it was reporting as my debt. 

The icing on top of the cake is when I received an alert today XXXX XXXX via XXXX saying I had a new delenquent account that was open. And the account was for XXXX for XXXX XXXX
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of identity theft, her information was used without her consent to apply for several credit cards. An application was submitted for Chase and while no account was established the application left a fraudulent related inquiry on her XXXX  and XXXX credit reports XX/XX/XXXX ; an official dispute of this was sent to Chase/XXXX  card XX/XX/XXXX however they have no replied or sent a response which is a violation of the FCRA and her consumer rights.
Product: Mortgage

I am registering a complaint against Loan Depot for using a bait and switch tactic. I started my process with Loan Depot in late XXXX and submitted an application in early XXXX. I negotiated a lender concession with XXXX XXXX in the amount of {$1300.00}. I started submitting information to the lender as requested. In late XXXX, I tried to make contact with XXXX for over a week with no response. Then in early XXXX, I receive a loan decline for lack of information. I finally was able to speak with XXXX who indicated that they had to send the decline because the underwriter wanted more information. He told me the rate fees are still good. I supplied XXXX with information requested, however they kept asking for more documents every week. Finally, in early XXXX they said we have an approval if I take the property out of my XXXX. I indicated that was fine. Several weeks go by and every few days I call to see when they will get documents to the title company. Finally they send the docs out for signing. When I review settlement statement I notice the lender credit of {$1300.00} is not on the sheet. I speak with XXXX and says the loan took to long and your lock expired. They dragged their feet in hoping I would overlook the higher charges. I notice on XXXX  reviews this is a common practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter Is appreciated XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email - XXXX SSN- XXXX Phone number - XXXX Inquiries that need to be removed are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting a reinvestigation. There is a myriad of errors being reported the bureau placed a significant number of inquiries on my credit without my consent and by them doing so validated these unauthorized and incorrect inquiries. I did not give my consent to any of these companies to run my credit and XXXX XXXX XXXX XXXX XXXX and these errors are effecting my ability to properly run XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection account with  XXXX   XXXX   XXXX   XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611 P rocedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) Not ice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha n 5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.
Product: Credit card or prepaid card

Someone tried to open up a credit card in my name with truist bank. We called the bank to let them know. And they referred us to this form. 
The credit card application was denied, but we wanted to make them aware that we did not attempt to open.
Product: Debt collection

I have made arrangements to pay off the {$3200.00} that is owed. I do not owe {$12000.00} because the car was returned. I know longer have possession of the car.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I attempted to pay my credit card from Citi Bank. I noticed that I had a high balance and I never use the card on top of having a late fee for XXXX of XXXX even though I paid XXXX on that month they still gave me a late fee. So I called to try to cancel doing business with this vicious bank. They refused to waive fee and did not explain why I got a XXXX} balance despite paying high amounts every month and not using the card at all there is no way my bill can be that high. They also solicited my business by offering me a low interest credit card when I got card it came with a hefty interest rate of ( 23.99 % ) OUCH!!!! are we in America?? 

I requested to close my account and it was a very hard process. I was lied to by the rep at Citi Bank I was told when I made that XXXX payment that if I call in XXXX they will waive any late fee since I am paying a big chunk of bill and on top of that it only a few days. The reason was I was a victum of the Hurricane attempting to help family and friends this was the only reason I was late. Citi Bank and it 's employees did not care. I therefore want to close my account and have a full audit of my account they refuse so I hereby request the assistance of CFPB. 

Outrageous conduct by Citibank it 's called calculated legal theft of monies of millions of poor people.