23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX under ref # XXXX and XXXX  # XXXX ACCOUNT XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX IS THE OWNER. But continue to protect criminals vp XXXX XXXX and first American title have now confessed this is mortgage fraud under CFPB # XXXX and in reference to that actions on the above date chase XXXX XXXX XXXX it fraud as XXXX. XXXX confirmed I am the owner under XXXX and XXXX. The new York attorney general discovered fraud under XXXX and more fraud by XXXX XXXX XXXX as he used a fake lender XX/XX/XXXX with XXXX XXXX XXXX under id # record XXXX and XXXX TITLE ENFORCEMENT OFFICER  XXXX XXXX XXXX XXXX discovered my name on title. Fake doctor at clinic XXXX XXXX XXXX XXXX mi XXXX and fake computer professor at XXXX XXXX I reported the XXXX  fake XXXX degrees and he got fired and currently investigation pending XXXX as XXXX. Because of your non law enforcement action he went on and cashed XXXX XXXX  escrow account checks at XXXX XXXX XXXX XXXX XXXX XXXX connected to corrupt XXXX XXXX just moved her office there. XXXX XXXX XXXX XXXX is handling forgery report XXXX. Also under investigation by XXXX XXXX XXXX as XXXX You must work with them. I were provided clear title in XXXX by nation star loan no. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX Accounts - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights 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: Credit reporting

I have received a letter from the credit card company reporting a charge off on my report from first premier credit company stating they are deleting this account off of my credit report and it is still showing on the report. It needs to be deleted immediately.
Product: Bank account or service

XXXX XXXX XXXX 's Home has an account at U. S. Bank in XXXX XXXX, CA. at XXXX. I deposited XXXX checks on XXXX/XXXX/16 for a total of {$31000.00}. I was told the funds would be held, however, I learned on XXXX/XXXX/16 {$200.00} was realeased and {$4800.00}. was realeased on XXXX/XXXX/16. However U.S. Bank has charged for 3 checks submitted for pay a total of {$100.00} over draft fees. The funds were there. The checks were drawn on an account from XXXX in XXXX XXXX. The payee was the County of XXXX a governmental agency. In reading the regulations a government check does n't have to be held that long. I told XXXX the employee at U.S. Bank and she told me XXXX County went bankrupt. That is an untruth. XXXX County has never went bankrupt. This was done to get funds from this account illegally.
Product: Credit reporting or other personal consumer reports

I'm filing this CFPB complaint because I'm a victim of identity theft through data breeches which were Equifax data breech XXXXXXXX XXXX XXXX and also XXXX XXXX  data breech all of the fraudulent accounts are listed in attached identity theft report all accounts listed were opened fraudulently without my consent which is against consumer law to report incorrect fraudulent items on consumer credit report. Please remove all fraudulent accounts from Equifax XXXX XXXX. 

Listed Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

These multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL My correct date of birth is not reporting XX/XX/1970
Product: Debt collection

I was forced to move out of an apartment complex due to repeated issues of non compliance by the management and owner of the building - including but not limited to mold, unlawfully towing personal vehicles, and not abiding by their terms of the lease to provide an adequate place to live. I notified the owner in writing that I would not pay one month 's rent for the partial last month I resided there - due to them breaking the lease, and the need for me to obtain proper housing for my family. I did have a deposit on this unit, and did forfeit that deposit upon move out. A collection agency ( FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ) has contacted me and is reporting against my credit for a balance due that I do not owe. I have contacted my local and state representatives for assistance, and filed a dispute to this collection agency, however to date they are still negatively and inaccurately reporting and collecting against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2023 Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor JP Morgan Chase has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DIDNT AUTHORZE THESE FOUR INQUIRIES FROM LOANPAL. RIDICULOUS
Product: Checking or savings account

On XX/XX/2020 No Bank have authority to hold any deposits or funds. Regulation E and EFTA ( electronic funds transfer act ) you can release my funds or you will have a lawsuit against you really soon. 

Chase bank froze my account because of a deposit was made to my account and plan on closing my account and returning my funds. 

Chase bank have no authority to hold any of my funds. Regulations E &  EFTA My loan is between me, my entity and the SBA They did not request any LLC or ask me about any business deposits prior to opening my account My name is my business I have no funds
Product: Debt collection

To whom it may concern, I am writing to address the subject of the aforementioned accounts and transactions. 

As you are aware, the vehicle in question was repossessed by Exeter Finance the State of Louisiana on or about XX/XX/year> and subsequently resold on XX/XX/year>. 

It is imperative to note that in accordance with the laws of the State of Louisiana specifically UCC 9:9:3534.1, as well as State XXXX and XXXX statutes, a deficiency claim can not be valid unless all required notices were duly provided in a proper and timely manner. Additionally, strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate. 

I hereby request that you provide me with copies of the legal notices pertaining to the repossession, as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 


Failure to furnish the requested proof within XXXX days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved, in accordance with all available State and Federal statutes, as well as UCC XXXX  remedies. 

I expect a prompt response to this matter, and I thank you for your attention to this concern. 


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

This is a follow up to my original complaint against American Express and their failure to follow the Federal Law and mark my Credit Reports with my Dispute of the account they are reporting with them. I've sent 3 different letters via the USPS Certified Mail and all were signed off on at American Express on XX/XX/2021, XX/XX/2021 and XX/XX/2021. These were all confirmed delivered from American Express ' communication to me in response to my complaint with the CFPB ( Attached ).

American Express has violated the Federal Law and my rights under the FCRA by not marking my Credit Reports within the 30 days allowed per the Federal Law and the FCRA. I've attached Proof of this of my Credit Reports from the following dates XX/XX/2021 ( well past the 30 days of my dispute letter received by AMEX on XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my disptute letter ( s ) received at AMEX on XX/XX/2021 and XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at AMEX on XX/XX/2021 and XX/XX/2021 ) I've enclosed all the letters that were sent to AMEX, the USPS Certified Mail receipts that they signed for them and received them, and copies of my Credit Reports on 3 different dates showing they violated the FCRA and Federal Law by not marking my Credit Report with remarks that I am disputing the information they are reporting. My rights have been violated by AMEX not following Federal Law and also my rights under the FCRA. Their failure to follow the Federal Law and my rights under the FCRA, has affected my ability to obtain further credit. This will also be filed with the BBB and the Office of the Attorney General.

Thank You for your attention to this matter,
Product: Mortgage

I am the Personal Representative of the Estate of my late father, XXXX XXXX XXXX XXXX, who passed away in XX/XX/XXXX. My mother, XXXX XXXX XXXX, and I inherited his property at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX, and we are designated as successors in interest. Despite fulfilling all legal requirements to assume the mortgage, both *XXXX XXXX XXXX and **Shellpoint Mortgage XXXX have engaged in actions that have hindered our ability to protect this property. 

In XX/XX/XXXX, XXXX XXXX XXXX approved me for a loan modification trial plan, under which I made all required payments from XXXX to XX/XX/XXXX. However, without providing me proper notice, in violation of the **Truth in Lending Act ( TILA ) ** and the **Real Estate Settlement Procedures Act ( RESPA ) **, XXXX XXXX XXXXXXXX XXXX XXXX loan to **Shellpoint Mortgage Servicing**. Following the transfer, XXXX XXXX XXXXXXXX falsely claimed that no payments had been made since XX/XX/XXXX, even though they had accepted all of my trial modification payments. Based on this misinformation, Shellpoint issued a **Notice of Intent to Foreclose** in XX/XX/XXXX, alleging non-payment. 

Furthermore, **Shellpoint has refused to acknowledge my status as a successor in interest**, despite receiving the necessary documentation multiple times. They also denied my attempts to make further payments, stating that they could not accept payments until the loan transfer was fully completed. Although Shellpoint had indicated that they would halt collection activities pending an investigation, they sent agents to my property and issued foreclosure threats through their legal counsel. 

I believe that racial bias may have played a role in the difficulties I have encountered in this process. Historically, minority homeowners, particularly African-Americans, have faced significant challenges in exercising their rights as successors in interest. Data shows that African-American borrowers often experience higher rates of foreclosure and denials of loan modifications when compared to white borrowers. I suspect this discriminatory pattern is a factor in my case, as both companies have refused to honor my modification agreement and recognize my legal rights as a successor in interest.

Additionally, the fact that my home is valued at nearly three times the balance owed on the mortgage may be motivating the foreclosure efforts. Both companies appear to be acting with financial incentives in mind, attempting to take possession of my property despite my compliance with the terms of the loan modification. 

I am currently filing a **Motion to Stay Foreclosure** in the Circuit Court XXXX XXXX XXXX pending a full investigation. I request that the **CFPB** thoroughly investigate these actions, ensure that my rights as a successor in interest are respected, and halt the improper foreclosure proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a house. The loan officer advised there was a problem with the Equifax account. I started researching it and found that XXXX XXXX XXXX, reported me as deceased in XXXX. Instead of researching the report further, they apparently just stopped issuing a credit report and credit score for me. 

I initially contacted Equifax on XX/XX/XXXX and after a day or two, I was told the file was corrected. I have called them 4 times and still do not have a credit score or published report. It is seriously impacting the approval process for my home. I can not get them to release my credit report or credit score. I need help now!
Product: Credit reporting or other personal consumer reports

According to the fcra all information reported to the credit bureaus must be accurate upon checking my consumer report I noticed that they were accounts that were not reporting at all to my consumer file and the ones that are there are out dated which is manipulating My overall credit score. The accounts that are in question are the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit cards from XXXX XXXX XXXX XXXX that are not reporting on my consumer file I am providing you with the account numbers please update this information so it can report accurately to my consumer file
Product: Credit reporting or other personal consumer reports

Im sending thi complant again, to inform you, that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am currently in a mortgage written by XXXX XXXX XXXX in XX/XX/XXXX and being serviced by Select Portfolio Servicing. I applied for a loan modification in XX/XX/XXXX and fell behind in XX/XX/XXXX. My mortgage is at 9+ % and I am unable to make Full payments. 
I am currently in s trail modification until XX/XX/XXXX but fear I will receive for closure notice.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/18 at XXXX I responded to an ad advertising basketball tickets. The seller used these two phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. He said his name was XXXX XXXX and his email was XXXX.We agreed upon sending the payment via XXXX through my bank JP Morgan Chase. The first name on the receiving account was XXXX As soon as I sent the {$300.00} we had agreed upon for the tickets, he stopped responding to my calls and emails. I have submitted a claim with my bank and am trying to recover my lost money as no merchandise was every exchanged.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report on XXXX XXXX and their were a lot of errors that I saw on my report that is inaccurate. 
To start XXXX XXXX  has that I have 5 missed payments that in XXXX months including XXXX, XXXX, XXXX, XXXX and XXXX. 
Hard inquires that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Thursday, XX/XX/XXXX, we contacted TD BANK to seek resolution to an online banking issue with our account. The issue is and continues to be that TD BANK will not allow our online banking function to deposit checks more than 5,000.00 per day or 10,000.00 per month, total. Recently, TD BANK on XXXX XXXX changed their policy to increase the online deposit limited to 50,000.00 per deposit or 100,000.00 per month. My app is limiting the deposit ability to 5,000.00 per day, preventing me from posting deposits for my business. This has an impact on my operating ability to pay bills and employees. 

When contacting the bank, have been told by TD BANK that this issue was resolved. When logging back in, this was indeed not resolved. After contacting the bank again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, we were told this can only be resolved by visiting a branch. All branches in the area are CLOSED due to COVID19. When asked for an alternate resolution, they noted we can go to a drive thru, however an in-person appointment is needed. Again, the drive thrus are closed and both I and my employees will NOT TRAVEL OUT OF THE HOME. Then, we were told again from Small business support to contact the branch. For multiple days ( again XX/XX/XXXX, XXXX, XXXX ), no one at any branch will answer the phone, as they are CLOSED. 

The alternate is to go to an ATM. First, we are not allowed to leave our homes. Second, a business account does not have an ATM card to make transactions. The bank verified our account does not have an ATM. When asked if we could have one sent to me, they noted this can only be done in a branch ; again, which are all closed in the NJ area. They then said they could do nothing for our business and we should continue to try and call a " closed '' branch to see if someone would pickup. Also, we were told that there were no escalation points available to speak with. Further, we were also told that their back office was unable to setup a new account online to perform deposits through the mobile app, as this must be done through a branch. 

TD BANK would provide no case number for our inquiries when requested. 

Help is greatly appreciated and fast - we have employees to pay salaries to.
Product: Student loan

On XX/XX/XXXX, KeyBank withdrew {$7000.00} from my bank account. When I noticed the withdraw they first treated the problem as fraudulent activity. However, they realized they we were the ones that actually took the money out of my bank account. The bank states this is the Right to Offset for a private student loan from 10 years ago. I had no prior knowledge of this loan, nor was I ever contacted about the loan. When I began looking into the problem and asked for documentation the bank was only able to provide me with a promissory note dated back in XXXX. I asked the bank to show proof of statements that were sent to me and they do not have any. The bank included paperwork that makes it appear that the loan was sold to XXXX XXXX XXXX XXXX and then sold back to KeyBank, When XXXX XXXX was contacted they were unable to find any information regarding the loan in collections or recovery. They stated they never had serviced the loan. KeyBank now refuses to return the {$7000.00} and is asking for another {$6000.00} to satisfy the loan. When KeyBank used the Right to Offset they made my mortgage bounce making my bank account go into the negative {$2000.00}.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency XX/XX/XXXX & data furnisher XX/XX/XXXX) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX