23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan company, Caliber Home Loans, sent me a certified letter stating that I 'm XXXX XXXX XXXX XXXX behind. This is false, and I can prove it! They also have reported me as being XXXX payments late. Also, FALSE! XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX years ago we had to retain an attorney because our mortgage company, Vericrest Financial, also accused us of non-payment and paying late. After a process that took XXXX XXXX years, the attorney got them to settle out of court and they were supposed to fix the negative reporting from all XXXX XXXX XXXX XXXX credit reporting agencies. They failed to do this and I was not able to get them to comply. I had to write to the individual companies and only XXXX XXXX XXXX XXXX were fixed. Also, I applied for a loan modification to Vericrest, which the attorney was able to get them to accept when, previously, Vericrest had denied it. Now Caliber Home Loan is doing the same thing. They are reporting us as paying late, non-payment and I resubmitted a loan modification, since it was due again, and Caliber loans says I never filed XXXX. At this time, I 'm unable to retain an attorney because XXXX financially, I ca n't afford an attorney right now. But I can prove, that even though I have been sick, I have still been paying on time!!!!! After the problems with Vericrest, the attorney suggested that we only pay our mortgage with a certified check, every month, and then send it by priority mail and keep the tracking numbers and receipts. This is what we have done every month, for the last XXXX years, so we have ample proof that they are falsely accusing us!!! I will be submitting the letter that was sent from Caliber, along with our two ( XXXX ) months of the certified checks and the receipts from the post office with the tracking numbers. I sincerely hope that you will investigate and that they will be punished so that no other family will have to go through this!!!! I do believe that we are being targeted because I 'm sick and Caliber is hoping to get our home. We look forward to hearing from you very soon. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a random company that says I owe them money and have never had any business with them. They called one time and I told them it's not me. They have since kept hurting my credit with the false claim and haven't removed it. I do not owe them and they need to remove themselves from my credit.
Product: Money transfer, virtual currency, or money service

My funds were not available in my account when prompted. Two separate transactions have been held or not deposited.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to XXXX, and Experian informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking XXXX, and Experian to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries on my XXXX and Equifax reports that I do not recognize connected the two lenders at the addresses showing on my credit reports both came back return to sender no such address ( XXXX XXXX XXXX and XXXX XXXX )
Product: Credit card or prepaid card

I had to cancel my card due to theft of card number, break in on computer. Chase said it would send a new card. I told them to send it to my XXXX address because I was NOT in XXXX XXXX. They said yes, confirmed the address and sent it to XXXX XXXX anyway. I took XXXX days to go to the wrong address. 
Now I have to pay {$5.00} to have them re sent it to the correct XXXX address. While waiting for the card I have NO way to order food or anything else. I am OUT of food and no card yet. I am beyond upset and need a way to fix this. I don't want it to ever happen again. I DO NOT have a car and have to order online!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX and Transunion to dispute the validity of the accounts showing up on my credit reports. I sent multiple notarized letters to all three agencies. I explained in these letters that I have never done any business or received any service from the collections company listed on my credit report.
Product: Debt collection

Credit Collection Services located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Is falsely claiming I owe medical debt. I have called and requested they contact XXXX to verify the false claim and they did nothing. I also mailed a copy of the paid off receipt but they did not do anything to update their system.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Notice Regarding Unlawful Credit Reporting - Missouri FCRA and Identity Theft Fraud Laws Referenced Dear XXXX/XXXX, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Missouri Identity Theft Prevention Act, specifically 570.223. 

It has come to my immediate attention that NORDSTM/TD, Account Number : XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ). 

Furthermore, Missouri state law, particularly the Missouri Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent. 

I wish to unequivocally affirm that I have not provided consent for NORDSTM/TD, Account Number : XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that NORDSTM/TD, Account Number : XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, Missouri state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that XXXX, Account Number : XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

Sincerely,
Product: Mortgage

My mortgage servicer is Select Port Folio, Requested mortgage assistance because I have been affected by covid-19, and the mortgage term ballooned out. I have requested assistance several times. I have received denial several times, each time I receive a denial for mortgage assistance it has been for a different reason. The mortgage servicer mortgage assistance dept. appears not to know how to process my request. I am a teacher, the pandemic has been difficult for me mentally, financially, emotionally and I lost several family members of which I help to bury to the pandemic. I need a Covid -19 mortgage assistance, my mortgage loan terms fixed with a fixed interest rate and term. I don't want to be homeless. Some of Select Port folio reasons for denial is the investor does not want to modify my mortgage, and they don't have my income information of which I have faxed and emailed several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get a credit report from Equifax since the data breach. When I checked into the matter, I was told that somehow an incorrect Social Security number was put on my account, and I could no longer see my information unless the matter was resolved. Their representative wanted me to send a copy of my Drivers License, Social Security Card, and all of my mailing information by fax to them. My account information was already lost due to their data breach, and someone else now controls it. I finally sent the information to them to have the matter resolved, and still no success. Trying to get Equifax to correct their mistake is impossible. All I get is the run around, and the last customer service agent basically told me I was out of luck getting my report corrected by them. Now I found out that my information was found for sale on over 100 dark Web sites, and I have no way to see what is being reported on me by this company
Product: Debt collection

To Whom it May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported under Paragon Revenue Group.

You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance.

*Please note this account has been removed from my XXXX credit report , I am requesting for it to be removed from my XXXX  credit file as well.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF FRAUD AND XX/XX/XXXX I RECEIVED AN EMAIL STATING THAT MY XXXX  LOANS WERE ALL FORGIVEN AND XXXX AND WILL BE REPORTED TO ALL XXXX CREDIT BUREAUS AND PAID AND CLOSED I SENT OVER THIS DOCUMENT BUT THE CREDIT BUREAUS REFUSE TO UPDATE THIS ON MY CREDIT REPORT. THESE XXXX  LOANS ARE CURRENTLY REPORTING AS DEFERRED AND IN CAUSING MY DTI TO BE EXTREMELY HIGH. THERE ARE XXXX XXXX  LOANS ( XXXX ) THAT NEED TO BE UPDATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has my wrong ssi number. Wrong address and wrong phone numbers. It looks like someone has my information. Someone opening credit in my name. Please help me. Thank you.
Product: Debt collection

NO SABE WHERES THIS COME FROM. ITS NOT MINE AND ME NO CAN HAVE IT ON MY REPORT. O HAB THEM CALLS ME ALLS THE TIME. SENT LETTER TO STOP BUT THEY NO DO SENT NOTHER ONE STILL CALL AND ON REPORT
Product: Credit reporting or other personal consumer reports

Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. THEY KEEP CALLING ME AND PULLING UP TO ADDRESSES WHILE IM NOT THERE THEY XXXX  MY MOM HOME XXXX XXXX THEY SAYING THEY GOT LAWYERS TO SUE ME AROUND MY KIDS THIS IS NOT FAIR AND THEY ONLY CALL TO THEART ME EVERY TIME I FILE A COMPLAINT WITH THE CFPB YALL REALLY NEED TO LOOK INTO THIS COMPANY JUST NOT ON MY BEHALF ON ALL CONSUMERS IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with Experian, this company got my information, I never provided consent for any information or have had an account with them. On numerous times Ive spoken to them and they have refused to provide any details. Now they have reported collection to credit agencies for the amounts of XXXX that is owed and claim 180 days past due. I have never applied for credit for this mortgage as well. No record found.
Product: Debt collection

On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call ( Selip and Stylianoup ) to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the first time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent inquiries from a dark web exposures are as follow 1 - XXXX XXXX  XXXX. - 2- XXXX XXXXXXXX XXXX XXXX 3 XXXX XXXX XXXXXXXX XXXX 4-XXXX  5XXXX XXXX  6- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX  account XXXX, XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), 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. 

XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXXXXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account xxxxxx XXXX, XXXX XXXX XXXX XXXX account xxxxxx 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. 

Experian In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account XXXX, XXXX XXXX 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.
Product: Debt collection

This debt is reported on my credited XXXX by XXXX different consumers and this consumer no long have the debt they sold it to another collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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
Product: Debt collection

I am filing a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) for failing to properly verify an alleged debt in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and relevant consumer protection laws.

I sent a written request via Certified Mail, Return Receipt Requested to Portfolio Recovery Associates, requesting full validation of an alleged debt they claim to own. Under FDCPA 1692g ( b ), PRA is required to provide sufficient documentation proving that : They legally own the debt, including a chain of title showing the original creditors assignment of the debt to them.

The debt is valid, with an itemized breakdown of charges, interest, and payments.

The original signed agreement between myself and the original creditor, demonstrating my contractual obligation to pay.

Instead of providing proper validation, PRA responded with a generic letter stating they had purchased the account and included a single old credit card statement. This is not legally sufficient verification under the FDCPA. The Consumer Financial Protection Bureau ( CFPB ) has previously sued PRA ( CFPB v. Portfolio Recovery Associates , LLC, XXXX XXXX XXXXXXXX ) for these exact violations, including attempting to collect debts without proper verification or legal standing. 

I request that the CFPB investigate Portfolio Recovery Associates for their continued violations of federal debt collection laws and ensure they are held accountable for their failure to provide legally required documentation. If PRA can not validate this debt with proper legal documentation, they must cease all collection activities against me.

Attached, I have included : My original debt validation request letter sent to PRA.

The Certified Mail receipt proving they received my request.

PRAs insufficient response, consisting of only a generic letter and an account statement. 
I appreciate your prompt attention to this matter and request an investigation into PRAs continued unlawful collection practices. Please notify me of any updates regarding this complaint.
Product: Vehicle loan or lease

I contacted TD Auto to reissue a check where the funds were not deposited into my account. Please see attachments for verification.
Product: Mortgage

Purchase house in 2005, value at that time {$220000.00}, value now around {$200000.00} ; at time of purchase with Bank of America, HELOC used as part of purchase, {$46000.00}, HELOC at XXXX yrs., paid around {$24000.00} in interest/XXXX., for next XXXX yrs. to pay $ XXXX/mo., for additional {$75000.00}. Bank unable to refinance for lower and fixed interest due to value of house.
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/2024, five different financial institutions completed a hard credit pull. XXXX XXXX sent a letter saying that my online application was denied as they could not verify my identity. I did not submit an application to any of these institutions to open an account. As a result I reviewed my credit report and disputed the credit inquiries and added a fraud alert to my account. 

XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XXXX. 

XX/XX/XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX XXXX Account number : XXXX USDOEXXXX  Account number : XXXX USDOE/XXXX   Account number : XXXX XXXX  Account number : XXXX XXXX  XXXXXXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.