23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : 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
Product: Mortgage

Ditech financial purchased my mortgage XX/XX/2016. Ever since then they have not been able to process my payments properly. I have spoken to no less than XXXX representatives including at least XXXX who claim to be managers. I have attempted to sort it out and even worked with XXXX manager named XXXX XXXX to not only update where my payments go but the amount as there was an escrow analysis that resulted in a incrementally bigger payment. Supposedly, everything was sorted. I 've noticed the last month and a half, the updated payment amount is being deducted from my account. However, I am still getting letters that I am past due. I have called Ditech numerous times and have left everyone who left me an extension a message. No one will return my calls. I am doing my best to show my due diligence but Ditech is completely inept in getting this resolved.
Product: Payday loan, title loan, or personal loan

PNC bank loan {$290.00} per month. On Friday XX/XX/2018 I spoke with rep from PNC collection dept.XXXX and made a payment of {$500.00} this left {$270.00} owed for XX/XX/XXXX. I explained to the rep I would try to come up with the money over the weekend but new I would pay that amount on Friday ( meaning XX/XX/2018 ) As I left for work on Thursday XX/XX/XXXX, XXXX pm I was met in my driveway by repo truck and my car was towed away.The earliest I could speak with a PNC rep was XXXX XXXX  Friday XXXX. XXXX at PNC received my call and explained I would have to go to local branch and pay cash {$270.00} del. amount owed and a Repo fee of {$400.00}. XXXX was unable to explain the reason the car was repo when 1 month behind so he forwarded my call to a call review line XXXX for XXXX to pull a recording of my conversation with the PNC rep on XX/XX/XXXX. A message was left and I was told I could check back within the hour to see if he had reviewed recording. If arrangements were made my car would be returned to me and fees reimbursed. I called several times thru out day with no answers and no call back from XXXX. After getting a ride to nearest PNC branch 45 min away I pay the {$270.00} + {$400.00} cash to PNC XXXX XXXX XXXX NC and wait for a XXXX XXXX to call PNC Collection # to confirm payment and fax copy of rec.to XXXX. Rec sent XXXX explained 30 min. wait and I could call XXXX XXXX to get car released for pick up at repo lot. I wait then call to have a rude lady state I would now have to pay the current bill {$290.00} due XX/XX/XXXX late after XX/XX/XXXX. I go back to PNC Bank explain to XXXX XXXX what has taken place and now the system is down so he and I both wait to get thru 45 min. later I am told once again I can wait 1 hour to call XXXX to have car released. It is now XXXX Friday XX/XX/XXXX. and I am given Vin # and contact information of where the vehicle is. The storage charge is {$450.00} due at appointment earliest available Monday XX/XX/XXXX at XXXX 2 hours away. No one at PNC can explain why my vehicle was reposed less than a month late and no one has returned my call about reviewing my call on XX/XX/XXXX. Still no car.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXX  XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Consider this an aggressive notification that if your company fails to take corrective actions within 10 days to address the issues outlined below, I will not hesitate to file a complaint with the FTC. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. Your company 's blatant disregard for legal obligations is appalling. Your failure to respond within the mandated 15 days constitutes a clear violation, punishable by fines of up to {$1000.00}. 
Provide me with the detailed procedures followed during the investigation of the following accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, but they have listed multiple addresses that I have never lived at, including XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX, and XXXX XXXX XXXX XXXX XXXX, GU XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

My monthly payment is {$2400.00}. The bank after a single year has 'found ' a shortage of my Escrow, that they are responsible for calculating. They are now claiming my monthly payment is {$32000.00} which is > {$700.00} dollars different. They sold me on the reduced mortgage amount during the refinance process and now have taken back any savings that I had from the refinance. The Bank deliberately low-balled the escrow estimate to get me to sign the new loan, which is Fraud. Flagstar bank has conveniently made an error in their favor on a regular basis that has impacted my financial status over the last year of having the loan with them. Their 'miscalculation ' is 77 % higher, my taxes didn't go up by 77 %. My Tax value went up by 15 % not 77 %. There is no reasonable reason why my escrow value should double.
Product: Checking or savings account

My book bag was stolen from my XXXX locker while I was on vacation. It included my phone case, which consisted of my Drivers license, some credit/debit cards and my social security number. Three of my cards were used. Someone tried to open additional credit lines. I have made a police report which I have submitted and I have a XXXX lock on my Social Security number. XXXX reported it to XXXX and XXXX. I have a copy of the letter they sent out. I have already disputed these transaction with Comerica Bank. I have received a partial refund. I asked to speak with a supervisor in the claims department and was bluntly told no. My only option left is a small claims suit, which I do not want to pursue, but I refuse to let someone take my money, especially clear my bank account and leave it in the negative. I know how Regulation E works and this is not how.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint and the respoSne I received was that it appears that someone else or third party submitted the complaint and you were closing it. 
I AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF AND NO THIRD PARTY IS INVOLVED. 
AGAIN, I AM RESUBMITTING A SECOND COMPLAINT ON MY OWN BEHALF I DID NOT AUTHORIZE CONSENT NOR BENEFIT FROM THE ITEMS LISTED IN MY SUPPORTING DOCUMENTATION.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequates customer service and unfair practices witch violates the consumer financial protection act ( CFPA ) specifically cash app failed to take time and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Full Dispute Attached! 
This company continually and intentionally fails to comply ( Acct XXXX ). Responded to initial complaints stating " X amount was charged off XXXX ) I have requested a copy of this companys TENNESSEE COLLECTION SERVICE LICENSE. The Tennessee Collection Service Board licenses and regulates collection agencies ( attached ). Tennessee Collection Service Act 62-20-105 -License requirement ( a ) No person/business shall commence, conduct or operate any collection service business in my state unless the business holds a valid collection service license issued by the board under this chapter-UNLICENSED ACTIVITY.

In addition,15 USC 1681 ( a ) ( 4 ) -I have the right to privacy.

15 USC 1681b ( a ) 2 -states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. Under 15 U.S. Code 1681c ( a ) ( 5 ) -states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 

Ive also requested : XXXX.A complete Audit Trail calculation of this balance, including the complete payment history on account, so I have proof the debt amount is correctXXXXDocumentation that shows I agreed to pay you this debt with signature and which shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to having my information and unauthorized use of my social security number is identity theft and will be reported for such.XXXX.The Agreement that grants you authority to collect on this alleged debt.XXXX.The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you XXXXSenior Executive from your office to Swear under penalty of perjury this corporation was present during the alleged debt XXXX.The Original Promissory Note on this Alleged Debt. 
Multiple FDCPA violations. Sending deceptive forms, false & misleading representations, validation of debts, unfair practices. This will now be investigated by the FTC, CFPB, Tennessee Collection Service Board, and AG. Please, no adverse actions against me, and no reinsertions. I have to proceed with legal action for violations ALREADY committed if this collection is not closed and removed from my credit reports immediately. 
Lastly, to add to all other violations, this company stated that they purchased this debt and my personal information ( violation ) at {$1800.00}. Anything over {$600.00}, by law ( IRS ), requires a XXXX to be issued to me and I would need to report this as income. This leads to form XXXX and tax fraud! By law, this can not be debt and income at the same time. Bureaus publication states income is not be reported at all. 
Attached : XXXX ) Full Dispute XXXX ) FDCPA violations XXXX ) Tennessee Collection Service Act XXXX ) Credit Report XXXX ) FTC Report
Product: Bank account or service

I contacted PNC to obtain account statements for account ( s ) I closed in XXXX or XXXX. I 've called their toll-free number many times about this issue and visited a branch at their direction. At the suggestion of XXXX of their representatives, I sent a letter to XXXX XXXX requesting these account statements. The bank 's response asks for a " notarized letter of instruction '' and a divorce decree. I think the first thing sounds silly - can they really demand a notarized letter for this request? - and, as to the second, I do n't have a divorce decree. I am requesting this information to assist with a marital separation agreement, and a divorce decree ( if we ever take that step ) will not be issued for at least a year or so. Further, there is no reason the bank would need a divorce decree to provide old account statements. ( I do n't remember if my husband 's name was on the account, but even if it was we 'd be joint owners so I would n't need his permission or proof of divorce in order to obtain account statements. ) Finally, the letter requests {$5.00} for each monthly statement, but PNC can not tell me how many accounts I had or when they were closed, so I have no idea how much money to send.
Product: Mortgage

I flied and could n't add the whole complaint. I sent the middle part. Here 's the first and end part ; XXXX. ( first part ) Help! I am a XXXX Veteran, almost XXXX years old and have been unemployed for several years. Past history ; I open a case with CFPB last year through XXXX XXXX XXXX XXXX in XXXX Florida. My complaint number i : # XXXX. I contacted Brain XXXX XXXX, CEO of Bank of America on XX/XX/XXXX ; XXXXXXXXXXXX and he appointed XXXX XXXX, Customer Relationship Manager Office of the Chairman and CEO on XX/XX/XXXX and phone number ; XXXX. XXXX send me a letter and said she would be my dedicated single point of contact throughout this process ( To reduce my house payment by combining my XXXX lines of credit into the original line of credit ) XXXX told me my house payment would be {$460.00} starting XX/XX/XXXX and on the XXXX of each month. I received my XX/XX/XXXX statement and the payment was {$1300.00}. XXXX said there was an error in the computer and it would be fix in several weeks. After many months, the XXXX XXXX XXXX XXXX file a mortgage compliant with CFPB and the problem was resolved and the payments was around {$210.00} to {$210.00} interest only per month until XX/XX/XXXX. The bank wanted me to default by not paying {$1300.00} for several months and then file for a foreclosure on my residential property that I have been living in for 32 years and never missed a payment. 
( end part ) I have attached ; Copy of the of the loan documents of Loan No : XXXX, Chapter XXXX Individual debtor 's statement of intention/surrendered rental property ( XXXX XXXX XXXX. XXXX. XXXX XXXX, FL, XXXX ), Discharge of debtor, Trustee 's quitclaim deed/ sold rental property, Bank Statements , old Account # and new Account #. 
Bank of America staff sit in their offices and being paid to seek out innocent victims and to harass, pressure, in still mental anguish and create night mares to old disable veterans, old non veteran unemployed or on fix incomes. They are above the Federal Law and can get away with anything. Bank of America, shame on you.
Product: Credit reporting or other personal consumer reports

This dispute complaint is in referrance to two accounts, each of which has 1 late payment reporting to the Credit Reporting Agencies. The late payments are due to Identity theft. I request those late payments to be removed, within 4 business days as FCRA permits. I have followed all requirements for the FCRA 605B ( 15 U.S.C. 1681c-2 ) law to apply here ( remove the fraudulent, negative items from my credit report within 4 business days ). 
The late payments due to identity theft are as follows ( XXXX XXXX, Account # XXXX : XXXX XXXX XXXX days late, for the month of XXXX, XXXX. ( XXXX XXXX, Account # XXXX ) Late Payment 30-59 days late, for the month of XX/XX/XXXX. Please block within 4 business days and remove all negative/fraudulent information that is the result of identity theft. Thank you. ( I hereby certify that all documents are valid and authentic, and that all my information/statements in this file are true and authentic to the best of my knowledge.
Product: Debt collection

XXXX ONCE AGAIN KEEPS COLLECTING BACK TAXES FOR ILLINOIS THAT ARE OVER S.O.L. OF 3 YEARS, ALONG WITH DEBT DISCHARGED IN BK XXXX XX/XX/2018, SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX total {$480.00} action taken - disputed 3 times, stating this is not mine and requested them to send me statement showing if such they refuse. 

XXXX XX/XX/XXXX {$820.00} Disputed to all bureaus, I never lived at the address they stated. 


XXXX XX/XX/XXXX {$250.00} stated balance updated in XXXX I have already left this company and they will not remove it XXXX XXXX XXXX XXXX {$1100.00} I don't have any recollection of this account and the dates do not match XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reported to all bureaus this is not my account I have never lived in XXXX Minnesota I have been requesting to have these deleted off my report because these are hindering me from retaining my credit cards.
Product: Student loan

Information regarding loan status, various payment plan options, and application status for prior requests were not provided. I requested modification in payment status as recently as XX/XX/year>. The system is extremely hard to navigate and I would have liked the option to understand my student loan situation and available options.
Product: Checking or savings account

I have a documentation supporting my lost funds with navy federal credit Union they still havent been disbursed going on over a whole 1 year now this is unacceptable