23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please be so kind and address this, as this mortgage company has a habit of trying to foreclose on properties that are not past due per my past emails and proof to your office last XXXX. I will submit the necessary documents to you to begin addressing this issue again. I made XXXX payments in XXXX for XXXX and XXXX. Said payments were for {$1900.00} withdrawn from my checking account on XX/XX/2022 and for {$1900.00} on XX/XX/2022. My XXXX time being a bit late. I contacted Carrington, regarding in advance. I had a minor set back due to unforeseen circumstances, but I am not late. This is in addition to said company reporting to the credit bureaus on the XXXX and XXXX of the XXXX. I also enclosed proof of XXXX payment. Law states that mortgage cant report until XXXX XXXX. Please be so kind and rectify this travesty of justice. This company has been fined by the CFPB for rogue practices and now I need your help again. They have several lawsuits against them for violation of RESPA, the Fair Credit Reporting Act and etc.. Payments have been misapplied apparently or not applied, as this is a tactic used by Carrington to foreclose. There are XXXX of complaints and numerous lawsuits against Carrington for their rogue practices and knack for trying to, illegally, foreclose on people 's homes illegally. This company needs to be shut down, as they are destroying people 's lives with their tactics. 

Below are a couple of the many links that reference the issues consumers have with Carrington 's illegal practices : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

-> I have sent 3 correspondence letters via the US postal mail to dispute the validity of the debit within the initial 30 day period ( the third letter was sent via certified mail to ensure delivery/signature confirmation ).

-> I have also sent at least 2 inquiries/correspondence via their website which has a page dedicated to sending them messages.

-> From all of the above, they have failed to contact me back in regards to disputing the debt and they seem to be running the clock so that the 30 day time-frame will elapse. I am trying all methods of clearing/disputing the debt with them. But they have failed in every single attempt to even acknowledge my dispute of the debt they want to collect.

-> I have also contacted the original creditor ( XXXX XXXX : Patient Financial Svcs ), and they will be reclaiming the debt as it has been within 30 days ( transferred it over to TSI on XX/XX/XXXX or XX/XX/XXXX ). So TSI will no longer have any claim on the the debt and can not contact me to receive payments after 30 days. The debt will revert back to the original creditor and thus TSI needs to respond to my multiple types of correspondence and investigate/close the matter ( as the debt is no longer their 's to collect ).
Product: Credit reporting or other personal consumer reports

I requested new electric service from XXXX XXXX XXXX. They denied service unless I pay a deposit based on information from Experian. I got my credit report from Experian and my Fico score. I submitted the information to the electric company. XXXX XXXX sent me a denial letter referencing my XXXX information obtained from Experian. 
My XXXX or XXXX  score is not included in the credit report I obtained from Experian yet it is used to deny service without providing a deposit. 

How can they SELL information about me that I am not privy to? 
The XXXX  ( XXXX, XXXX, and XXXX ) Score is based on a separate risk model that Experian developed to be specific to telecomm and energy accounts. 

Additionally the denial letter states : Score Reason : SOCIAL SECURITY NUMBER ON THE CREDIT PROFILE DOES NOT MATCH APPLICANT INFORMATION PROVIDED.
Product: Credit reporting or other personal consumer reports

I sent a dispute to TransUnion in XXXX of XXXX  and they responded it was accurate. 
I sent a second dispute to TransUnion in XXXX of XXXX  asking for the steps that were taken to verify the information was accurate and the response received was just a template saying the information came back verified. 
I sent a third notice of default in XXXX again asking for the steps taken to verify the information being reported was accurate. They sent another template response saying it was verified. 

I know there has been a lawsuit filed by CFPB against XXXX alleging sham investigations of consumer 's disputes. This is exactly what happened to me and I have every reason to believe the other credit reporting agencies are doing the same thing!
Product: Checking or savings account

The manner in which I could have avoided a service fee for PNC Bank account number XXXX was not explained accurately. 

In fact, the reason kept changing and came across as deceptive. 

When the account was opened in the summer a few months ago, the banker made it sound like as long as there would be a {$500.00} ( five hundred dollars ) balance before the grace period for new accounts was up, that the {$7.00} ( seven dollars ) monthly fee would be waived. 

It turned out that this was not true. 

When I spoke with another banker sometime in XXXX, she explained that there had to be an average of {$500.00} for thirty days in order for the {$7.00} service fee to be waived. 

From the time I spoke to this banker in person in XXXX to 30 days later, the {$500.00} balance there was not touched by me at all. That is, I never made any withdrawals from that {$500.00} balance. 

But my balance in XXXX was down again to {$490.00} because PNC took a {$7.00} service fee out of my account. 

The male banker in XXXX said that it had to be an average of {$500.00} from the beginning of the month to the end of the month because that was the billing cycle. 

That was not what the female banker who opened the account said, nor did the second female banker say anything from the first of the month to end of the month billing cycle in XXXX. 

It was as if it did not matter what I did because PNC was determined to mug me and rip me off out of {$7.00}. 

I want that {$7.00} refunded to me immediately and sent to my mailing address. 

PNC Bank is not trustworthy. 

Their employees ' story ( explanation ) on imposing the {$7.00} service fee kept changing.
Product: Money transfer, virtual currency, or money service

WELLS FARGO DISCRIMINATES AGAINST XXXX XXXX  I received a XXXX $ cashier 's csettlement check took. it to Wells fargo, the bank manager verified the check said the money would be available the next morning at 3 am the money was available I sent XXXX via XXXX XXXX the money was then taken out of my account and the there was and neg account balanc of XXXX cents.i called the bank they said that .the bank would not verify the ( cashier 's check ) and said the funds would not available until the 10. A cashiers check, I do believe XXXX XXXX XXXX XXXX  as they thought they believe that the check was fraudulent they said I need to bring a letter from the people saying what the letter was about and for A cashiers check. THEY GAVE ME THE MONEY AND TOOK IT BACK, then tried to tell me that the check never cleared a cashiers check has to be verified?
Product: Credit reporting, credit repair services, or other personal consumer reports

My authorized user account with XXXX XXXX is not reporting on my experian account and it is supposed to be. XXXX advises that they report to all three major bureaus and Experian is the only one not reporting it.
Product: Credit reporting or other personal consumer reports

I recently called the company XXXX XXXX XXXX to obtain a wet signature of contract to verify they the debt was mine I received no response. I filed a CFPB and FTC complaint with the company. I receive nothing. They deleted from 2 credit bureaus expect one! They are damaging my credit which is a defamation to my character! They have not supplied the credit bureau or me with any verification. They have violated numerous laws! I am Demanding Deletion from my consumer report or else I'm going to pursue litigation. Ive called this company numerous times all I get is hung up on. previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". failing to comply. ask for the bookkeeping entry and the chain of title for the debt never received it. Ive been disputing this company 7 years! Ive sent letters after letters. Removal of inaccurate invalidation CODE DF
Product: Debt collection

XXXX : XXXX USING THIS FRAUD COMPANY TO SERVICE WHICH IS A irs VIOLATION, STATING SERVICER, PLUS THERE WAS NO LOAN NOR MORTGAGE. HAVE NO CONTRACT WITH EITHER OF THESE FRAUDSTERS. https : XXXX Send cease and Desist orders long ago, see how fake this is? After Recording Return To : ______________________ ______________________ ______________________ ______________________ _____________________ [ Space Above This Line For Recording Data ] __________________ FICTITIOUS DEED OF TRUST Fictitious Deed of Trust recorded by ______________________________ on behalf of [ Name of Person ] ________________________________________________________________. [ Name of Lending Institution Causing the Instrument To Be Recorded ] This title page is hereby incorporated into, and made a part of, the attached Deed of Trust, both of which together comprise the Fictitious Deed of Trust. This Fictitious Deed of Trust is being recorded pursuant to XXXX XXXX XXXX XXXX ( XXXX 2006 ). XXXX, and XXXX XXXX XXXX XXXX XXXX is not licensed to do business in XXXX XXXX at least that is what the XXXX XXXX licensing division claim, or in the State of California. so the California Secretary of State shows this company is in collusion with XXXX ( XXXX XXXX XXXX pretending to be the Trustee for foreclosure purposes and acting under Color of law which means in collusion with Officers of Law Corporate in Collusion with Fraudster Banks with fiat paper monies and instruments. You do not have chain of title you do not have a contract with the real owner of the property and land that you are offering for sale both on the internet ( wire fraud ) and in person. You have committed and been involved in fraud, swindles, tricks and schemes. This amounts to Robbery ashore as part of the pattern of racketeering activity y collection of an unlawful debt which engaged in, or the actives of which affect the interstate or foreign commerce. You must divest yourself of the ill begotten property, belongings and financial gain you have derived from your fraud. The selling, conveying, monetizing, fraud, stealing, was done knowingly and willfully. The statements on the the internet or printed material was materially false, fictitious, or fraudulent statement or entry. Whoever buys from you and receives, conceals, or retains the same with the intent to convert in to his use or gain, knowing it to have been embezzled, stolen, purloined or converted-goes to jail, and so do you! Warrants and Bill has been issued already to 5 enforcement of the highest of the land. other info : XXXX XXXX XXXX XXXX XXXX XXXX Forgery/ Calif. code 115 ( a ) 10 years in prison. You have been notified. Remove the Auction demanded today.
Product: Debt collection

Chase Auto, CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : FRAUD/AGGRAVATED IDENTITY THEFT I am aware that the social security number belongs to the Social Security Administration , and all things purchased with that identifying number are obligations of the United States in accordance with 18 USC 8 , and being that you, CHASE AUTO , CFO : XXXX XXXX XXXX is attempting to collect a debt from me, the consumer makes you, CHASE AUTO, CFO : XXXX XXXX XXXX guilty and in violation of False Claims Act 31 USC 3729-3733 .

CHASE AUTO, CFO : XXXX XXXX, is also in violation of 18 USC 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on an alleged debt not owed. I DID NOT AND DO NOT CONSENT to you, CHASE AUTO, CFO : XXXX XXXX, furnishing this information to my consumer report. I did not give authorization or permission to have my personal identifying information which you have obtained by aggravated identity theft in accordance with 18 USC 1028A.

This is a notice to CEASE AND DESIST of all illegal activities, including reporting an unpaid balance that constitutes collection activities. This is also NOTICE exercising my rights to prevent the possession of my personal data by CHASE AUTO for the account opened in XX/XX/2021 with account # XXXX. 

Failure to update my account in 4 days on my consumer report as requested will result in legal matters being taken and me turning you CHASE AUTO, CFO : XXXX XXXX, into the Federal Trade Commission for aggravated identity theft and fraud. 

If this matter is not resolved by the time specified above. I reserve the right to commence legal proceedings to recover damages without further notice to you and this letter may be rendered as evidence of failure to comply. 

Warm regards, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto Finance has inaccurately placed my auto loan in a charge off state in XXXX of XXXX. XXXX ( XXXX party auto dealer ) paid the remaining balance of my auto loan in XX/XX/2021, XXXX month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of XXXX  to payout the vehicle but according to Chase, they never received it. Chase intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to Chase stalling for XXXX weeks ) and also because of the disablement of my online Chase XXXX account due to the buying process. 

Ive asked for the XXXX remarks to be removed and provided documentation proving why case - Chase agreed but never followed through with the removal. 

Ive recently learned that XXXX and Chase are now affiliated with XXXX another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting account number XXXX in all the credit bureaus as a collection sold to another lender after this debit was discharge through XXXX. I never receive the1099C from them after multiple requests.it show an unpaid balance {$40000.00} the first day of delinquency was XX/XX/year>. This account should be removed from all my credit report.
Product: Debt collection

My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against Credit Systems Inc for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Systems Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Systems Inc, continues its collection efforts, I will file for litigation for actual damages caused and Credit Systems Inc, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report, and in it I saw several difficult queries that I did not make or authorize, and they are the following ordered by date and credit bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contacted MOHELA on XX/XX/2024, to request a student loan deferment due to being unemployed for several months now. I was advised that I am not eligible for a deferment but may be eligible for a forbearance. I had to wait until XX/XX/2024, to receive the paperwork because when I try to log in on the MOHELA Federal Student Aid Portal, I receive an error message stating that my MOHELA Account and Date of Birth data records do not match. I do not have access to my MOHELA 's Federal Student Aid Portal, and MOHELA has refused to communicate with me electronically even though I have provided a valid email address to them. MOHELA is failing to comply with the Department of Education and the Federal Student Aid Guidelines regarding granting me access to the MOHELA Online Account. I will also report this to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Recieved a {$75.00} gift card as a XXXX present for a dinner. Due to the pandemic I was unable to use the card for its indended purpose for a dinner. Called the number on the card XXXX them due to the pandemic I had been unable to use the card for its intended purpose for a dinner and when I checked it there were charges on it. They told me the {$22.00} charges on it were an inactivity fee and there was nothing they could do about it. 
I thought this kind of taking money from a gift card had been stopped years ago. Very disappointed with TD Bank. I'll be closing my brokerage account with them.
Product: Debt collection

XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Debt collection

I called this company on XXXX XXXX, 2017 at approximately XXXX ( EST ). The first representative I spoke with was XXXX XXXX. The phone call lasted for XXXX minutes and 3 seconds. He furnished some of the information regarding the medical debts his company had come to own but did not provide enough information for me to be able to understand exactly where and when the debt was coming from. There were multiple accounts and the dates seemed different than what my records indicated. I was trying to ask questions about the debt and questions about how to pay the debt. I insisted that I was willing to pay the debt. I was XXXX. I was not yelling or using any profane or derogatory or defamatory type language toward XXXX. He indicated that he was ending the call and hung up. I called back and XXXX happened to answer the phone this time as well ; I asked to be transferred to a manager. I spoke with XXXX XXXX. XXXX XXXX was able to more clearly tell me where the debt originated from. During our conversation, I agreed to pay a lump sum over {$600.00} to resolve the debt and have it deleted from the XXXX reporting bureaus, XXXX, XXXX and XXXX. Having XXXX " ghost debts '' that were bought from a third party being reported by this fourth party, Commonwealth Financial Systems is about the worst and most damaging thing that could happen to me at the moment. I am on social security XXXX due to XXXX. My husband is XXXX from the XXXX XXXX as of XXXX XXXX, 2017. With his XXXX approaching, we may need to sell our house and either rent an apartment or buy a home. I have worked hard to have good credit. Other than the future of being able to secure housing, I am concerned XXXX different accounts listed for collection, will be quite damaging to my financial situation. I have credit cards fro the purpose of building my credit history and I am very concerned that such a drastic change may impact the rest of my credit health which I have been very careful with. I use XXXX XXXX, XXXX XXXX and XXXX XXXX to stay on track with my credit. If the companies that furnish my cards lower my limits as a result of these collections, it will take me a minimum of 6 months, and probably longer to recover my good credit standing. I have been promised that the derogatory marks will be removed by this company and I was assured this morning, XXXX XXXX, 2017, by XXXX that the company had already started the process of having these remarks removed. XXXX XXXX should have been more professional and helpful and should not have hung up the phone. I should have been furnished with the proper information and he should have been willing to work with me regarding the payment of the debt. 

XXXX XXXX assured me deleting the collections from the XXXX buraeus, XXXX , XXXX and XXXX and mailing letters of deletion to me to give me confirmation that the information was deleted from the XXXX respective bureas. 


XXXX XXXX