23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a certified letter dated XX/XX/XXXX from XXXX XXXX XXXX stating Real Time Resolutions filed a Notice of Default on my property for a XXXX Lien that has been dormant since roughly XXXX. They stated that I owe {$160000.00} on a loan that was charged off in XXXX with an original loan balance of {$110000.00} from XXXX. I know this is classified as an illegal time barred zombie mortgage and both these companies are trying to proceed with foreclosure activity after being notified of such. Please help.
Product: Bank account or service

i received an email offer from USAA that stated if I setup direct deposit of XXXXand it totals XXXX or more o would receive a XXXX cash incentive XXXX. I accepted the offer prior to the deadline but it would not work correctly on the website. XXXX I called and spoke with several representatives and was told that there were issuew with the website. So I explained to the rep what I called for and I was INFORMED THAT DUE TO ME ALREADY HAVING A SAVING ACCT with them that I do not need to setup a new checking acct I can setup my direct deposit to my current savings acct and I would qualify. The rep assisted me in setting up the direct deposit. I called back a few days later and spoke with a rep and they confirmed that everything was setup correct and I am qualified for the incentive. When I did not see the deposit at the time I was informed it would be in my acct I called the bank that then I was told I do not qualify for the XXXX incentative. 
I have spoke with over XXXX representatives about this issue and no one wants to honr that I was given incorrect information and that they should honor what was told to me. I asked the representative can they pull up the recorded phone conversations and all of them stated that they have no way of retrieving the conversation. I am not the only customer with this issue of being told incorrect information. If you look at there XXXX Service Board there are other individuals that are upset about being given incorrect information and not receiving there XXXX dollar incentive as promised
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Thank you for your attached response letter dated XX/XX/2021 to CFPB Complaint # XXXX. 

What is the basis for your advisement as to the Counsel of the Trust, XXXX XXXX XXXX XXXX being : XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Thank you for the information to the link regarding the role of the Trustee. 

The Role of XXXX XXXX XXXX XXXX XXXX XXXX has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the XXXXervicer.

The link you provided reads as follows : The Role of the Corporate Trustee As Trustee, XXXX has the following responsibilities : Holds an interest in the mortgage loans for the benefit of Investors Does not initiate, nor has any discretion or authority in the foreclosure process Does not have responsibility for overseeing mortgage Servicers Does not mediate between the Servicer ( s ) and Investors in securitization deals Does not manage or maintain properties in foreclosure Is not responsible for the approval of any loan modifications All Trustees for XXXX transactions, including XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process The Trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans, which is reserved for the Servicer. 

What authority if any does XXXX, D/B/A XXXX not in its Individual Capacity But Solely as Trustee for the XXXX XXXX XXXX XXXX have under the Trust Agreement. 

Please advise. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to this company to remove a unauthorized inquiry from my report that was done without my consent and they have not responded.
Product: Debt collection

On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX  XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX , XXXX XXXX Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from XXXX XXXX XXXX , XXXX collecting on behalf of Pendrick Capital Partners   stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly, to the point that is has stopped me from being able to refinance my home.
Product: Credit card

XXXX XXXX XXXX XX/XX/year> Hello, my name is XXXX XXXX XXXX XXXX and ive looked over my credit report and I noticed a unauthorized account that been open and its on collections i did not open this account i never give anybody the right and permission to use my informations to open any account under my name it has been hurting my credit plus my life cause of this situation please i would appreciate if you guys take it of my credit please cause its not fair for somebody to just go ahead and use your information without your permission once please im beging you guys once again help me its making my life difficult with this situation thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a home security system through XXXX XXXX on XX/XX/XXXX. It reported to XXXX and XXXX with a hard inquiry and monthly payment until XX/XX/XXXX. On XX/XX/XXXX, I received a timestamped email from XXXX XXXX stating that they will be transferring my account to XXXX XXXX XXXX. Only on the TransUnion XXXX XXXX did XXXX back date that I had an account with them starting in XX/XX/XXXX and they put that I had a deposit of {$99.00}. This is FALSE and fraudulent and needs to be corrected immediately. I did not have an account with XXXX XXXX XXXX until XXXX or XXXX of XXXX. I did not put a deposit down with XXXX  XXXX because I purchased the equipment and plan outright. I have an old bank statement to prove it. I also have monthly bank transactions from XXXX XXXX up until XX/XX/XXXX. I have proof of the emails from both XXXX XXXX and XXXX. It is validated on my consumer reports for both XXXX and XXXX. It just recently dropped off my consumer report in XX/XX/XXXX. I disputed this claim through TransUnion online system and provided copies of the email stating that transferring of my account to XXXX. TransUnion just mailed me a printed copy of my consumer report, which was received XX/XX/XXXX, stating that their investigation is accurate, and no further action will be taken. This is fraudulent because I supplied them with a copy of the email from XXXX  XXXX. TransUnion and XXXX XXXX XXXX should both be audited and investigated for reporting inaccurate and false information. I have bank statements. This can not be doctored or changed. TransUnion and XXXX XXXX XXXX is knowingly reporting false information. Yes, the account is reporting positive, but it is still false and should be addressed immediately. Yes, I am still an active paying customer of XXXX XXXX XXXX but how can I trust them if they are knowingly reporting a XXXX. And I requested a refund from XXXX back in XXXX that I NEVER received yet. I was charged from equipment that I did not ask for. It is on a recorded line and documented in their system. This is fraudulent practices in the open.
Product: Checking or savings account

Hi I am a XXXX member of the bank USAA and I have experienced account take over fraud last week XX/XX/2022 my name is XXXX XXXX XXXX I reported it right away and took every necessary step as a member and it is now Tuesday XXXX 2022 and I have not received a email or call or text or anything about my fraud on my account and my account is Negative {$5000.00} and the fraudster wired out {$9400.00} from my account t I only had {$4500.00} in my account to start. So I have a return payment of {$5000.00} on hold and Im negative {$5000.00} currently. My taxes come out next Monday the XXXX and I have no money to my name. The fraudsters took my paycheck and my XXXX and emptied my savings and USAA has done nothing but make my account negative with return payments and overdraft fees. I havent been told even if I will be refunded what was in my account cuz I havent heard from usaa since I reported the event. I have called everyday trying to get updates about whats going on and I cant get through to a XXXX or the fraud dept or anything Ive had call backs scheduled and havent got one call. XXXXm at a loss and I dont know what to do about it. Please help. Im desperate for a resolution at this point. Im available anytime if you need anything at all from me on my end to get the ball rolling. Thank you and please help! I can provide any documentation needed or evidence!
Product: Credit reporting or other personal consumer reports

My account with 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 XXXX 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 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: Debt collection

I've contacted TransUnion several requesting proof per the FCRA guidelines that this debt is indeed mine. XXXX continues to fail at providing proof.
Product: Credit reporting or other personal consumer reports

XXXX. Subject : Request for Reinvestigation and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XXXX XXXX  ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Checking or savings account

The bank has made the decision to close my account without providing valid reasoning. They have also refused to release funds that are due to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a XXXX  XXXX ' XXXX XXXX XXXX in XXXX 2021, was approved. The card was sent to me. I used it a few times, spending approximately {$1800.00}, paying off each charge before the due date. It was a card that gave you grocery store rewards for every dollar spent. I have never received the rewards I was entitled to. In XXXX I tried to use my card at a XXXX XXXX XXXX XXXX grocery store, it was declined. I called US Bank, they informed me my account was closed, because they suspected fraud. The person I talked to told me they could not determine WHERE I was getting the money to pay my bill. They couldn't prove my checking account was actually mine. I have had the same checking account at the same bank for over 15 years. US Bank informed me I needed to send them my bank statements to prove it was my account. I called my bank, they informed me NOT to send them bank statements, that they could either have a three-way phone call with US Bank to verify my account, or they could write a letter and confirm my account. I had them write a letter. I took it to a US Bank branch, met with a banker, who faxed my account info. to the " verification dept. '' this was over a month ago. They sent me no further correspondence, no decision, no reply whatsoever. I am extremely unsatisfied with US Bank. The people I have spoken to have been extremely unprofessional, unhelpful and very uninterested in helping me resolve this situation. I have never been forced to send bank statements to a credit card company in my life! I asked the US Bank rep. to ask them why this happened. They think I am using someone else 's bank account to pay my bill!! This makes no sense! They informed me I could have them reopen my account if I sent them the information and they " did an investigation ''. Now if I go on the website where I used to pay my bill, ( the credit card 's website ) my account no longer is even listed, since I owe them no money.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to my status as a victim of a recent data breach and identity theft. This incident has led to unauthorized accounts, which have adversely affected my credit standing. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am entitled to request the blocking of fraudulent information related to identity theft. Additionally, the re-insertion of any previously deleted fraudulent accounts constitutes a violation of the FCRA.
Product: Vehicle loan or lease

Back in XXXX I called Toyota company to ask for a 2 months pay push back. Due to my Calendar converter was stolen from my truck. And I had to pay for a rental. Then send me an email confirming the push back date.. I wasn't aware and no one told me I had to sign paperwork by a due date and fax it to them. 

Then in the beginning if XXXX I got a notification that I was 2 months behind on my payments. When I called them they said they never got any sign paperwork. I did told them to go over any records from XXXX phone call to listen that I wasn't aware of sign paperwork.. 
I haven't received a called back yet.. 

But they did re email the paperwork and I fax it back to them with in 2 days.. 
But they already reported my 2 months late payments to the credit report. 
I need help. 
Toyota told me that they don't give forgiveness on late payments.
Product: Debt collection

There are three companies in question, XXXXXXXX XXXX XXXX XXXX Conn Credit Corp, and XXXX XXXX XXXX XXXX. They are trying to collect a debt which is not owed.I would like these creditors removed from my credit report. These Credit Agencies consist of, XXXX XXXX, XXXX and XXXX. Please contact them on my behalf. There are codes that I would like to be applied to this process, they are : Delete Charge Offs, 15 U.S. Code 1681 ( c ) 2, Collections 15 U.S.code 1692 ( g ) ( c ), Hard Inquiries : 15 U.S. Code 1681, 15U.S. Code 1066 ( b ). Car Repossessed 15 U.S. Code 1681 ( s ) 2. Thank you for your time and effort. XXXX XXXX
Product: Debt collection

Received letter, dated XX/XX/XXXX, from American Express Legal stating that I owed {$10000.00}, per agreement signed XX/XX/XXXX. I have repeatedly tried to get in contact with their attorney and they say there is a stipulation from XX/XX/XXXX, stating that I would pay {$500.00} a month. I never received this stipulation and never received correspondence from the attorney. I have been making monthly payments on the American Express website and as of the date of the letter, the balance on the account was {$9000.00}. When I spoke to two different representatives at American Express Legal, they both went back and forth on the amount of money that I owed. They both tried to say I owed {$10000.00} at different points in the conversation. That's also the amount listed in the letter. I made a {$550.00} payment today in good faith to try to show that I am working to pay down my debt. The current amount due is {$8500.00}. My understanding is that American Express can not collect a debt larger than what I, as the consumer, owe.
Product: Debt collection

My husband and I were unaware until XXXX that our mortgage company did not remove title and that they did not foreclose on XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Our bankruptcy was completed XXXX of XXXX, we moved out of the house XXXX and moved to Florida. On our bankruptcy our attorney checked retained to give us a year to complete our XXXX XXXX and have our children placed with other families. We contacted XXXX XXXX who was our mortgage lender to let them know to foreclose on the property. We did not hear anything from them until last year when I learned that they didn't re-title until XXXX. I informed Rushmore XXXX that we had a bankruptcy and provided them with the documentation. I have recently learned XX/XX/XXXX that they are reporting the debt on our credit report and refuse to remove. I filed a dispute and they are being uncooperative. 

We need help to remove this debt and also change the date in which we owned the property to XXXX. We were not in the home and it is not our fault that the loan was sold several times and that XXXX XXXX was being sued. We did what we were suppose to do and now they are preventing us from purchasing a new home.
Product: Credit reporting or other personal consumer reports

BACK IN 2017 SOMEONE STOLE MY PERSONAL INFORMATION AND GOT A LOAN FROM WESTLAKE FINANCIAL SVC. AS OF RIGHT NOW THIS ACCOUNT IS CLOSED AND IT HAS BEEN PAID SATISFACTORILY BUT SINCE THIS IS A FRAUDULENT ACCOUNT AND IT WAS NEVER MY ACCOUNT I WANT THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. I HAVE CONTACTED THE WESTLAKE FINANCIAL SERVICES NUMEROUS TIMES, I HAVE EMAILED THEM NUMEROUS TIMES, I HAVE SENT THEM MY IDENTITY THEFT REPORT AND NOTHING HAS BEEN DONE. I HAVE NOT RECEIVED ONE EMAIL RESPONSE FROM THEM. I AM KINDLY ASKING TO HAVE THAT FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to fix my problem wit Equifax, and I have been given the runaround for over the last XXXX yrs I was told that all of my information was handle in The Office Of Consumers affairs. I have documents where I have sent over 12 certified letters with in the last XXXX yrs and to my avail nothing. I was last told on today in which it is XX/XX/22 that they have not received my documents but on XX/XX/22 I was told by XXXX that they received them but they were putting them in the system. I have sent over FTC, Driver Licenses, Police Report, Birth Certificate and Social Security card. And still no avail I was even told by XXXX that work in Consumer Affairs that he received follow suites letters from other bureaus and they still did not do the right thing.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my XXXX XXXX and bring peace of mind backintomylife.