23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH Mortgage loan number XXXX I have been trying to get a irrevocable trust for my mortgage and denied since beginning of XX/XX/XXXX, numerous times I have email via their website messaging to try consistent and compliant solutions since the beginning of XXXX and they have repeatedly denied, even XXXX case law shows that what they are stating is illegal, who can hold this company accountable to the law? 

Next they are stating that I have a balance due to the Shared Appreciation module for paying off the loan?, this loan was originally with XXXX Bank and has been resold several times, There was never any principal forgiven and I have made payments ahead of schedule, the agreement mentions XXXX ( XXXX XXXX XXXX XXXX XXXX ) but does not have any specifics. This has been on going for several months with some agents saying I owe nothing and some saying I need to pay the XXXX fee? Even thou the loan was resold several times and I occupy this house and am not selling the house. Their Payoff quotes insist on a further balance, and they will not honor a irrevocable trust as required by law. 
Note Case law below, repeated messages they keep responding they only allow revocable trusts, see case law below The property located at XXXX XXXX XXXX, currently mortgaged under PHH, is intended to be transferred into the Trust. This transfer complies with the Garn-St. Germain Depository Institutions Act of 1982, which allows for the transfer of real property into a trust without triggering a due-on-sale clause, provided the beneficiary of the trust ( grantor ) continues to occupy the property. 
I do have a fair amount of files sent as messages to the bank on their website can share if you like.
Product: Money transfer, virtual currency, or money service

My Credit Union sent a cashiers check in the amount of {$16000.00} to payoff a second mortgage to Mr Cooper on XX/XX/2022 via XXXX XXXX 

The documents were recieved and signed for on Friday morning XX/XX/2022 at XXXX XXXX XXXX XXXX by Mr Cooper. 

Included in the XXXX packaging was the cashiers check [ in the amount quoted by Mr Cooper, to the address Mr Cooper stated as their payoff department ], an original payment request document generated by Mr Cooper with the account number and my name, and a document requesting that they release their lein.
Product: Credit reporting or other personal consumer reports

XXXX, Please see below and attached. 

There are wrong addresses that are on my file and report that are incorrect and need to be removed immediately. 

Attached are : - complaint letter showing wrong addresses with screen shots on my report - drivers license - social security card - proof of address remove these wrong addresses at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Unauthorized Inquiries and Account from Credit Report Dear Experian Consumer Assistance, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning unauthorized inquiries and the addition of an unauthorized account on my credit report. This breach of privacy has raised significant concerns regarding identity fraud and the violation of my rights under both Texas state laws and federal regulations. 

It has come to my attention that certain creditors have accessed my non-personal information without my consent. This blatant breach of privacy is not only unethical but may also constitute identity fraud, a matter of utmost concern. I am particularly troubled by the unauthorized addition of an account to my credit report, an action I did not authorize. 

Even in situations where a permissible purpose exists, it is essential to emphasize that the consent of the consumer is still required. I want to make it unequivocally clear that I did not provide consent for the creditors in question to access my personal information or add an account to my credit report. This violation of my privacy rights is unacceptable, and I demand immediate corrective action. 

To address this issue effectively, I kindly request the removal of all unauthorized inquiries and the associated account from my credit report. I believe that taking prompt action to rectify this situation is crucial not only for my financial well-being but also for upholding the principles of privacy and consumer protection. 

In accordance with Texas state laws, I would like to draw your attention to the following codes that pertain to the protection of consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Transfers Additionally, I urge you to consider the federal laws that support my case : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681m I expect that Experian, as a reputable credit bureau, will take swift and decisive action to rectify this breach of privacy. Your cooperation in this matter is crucial to maintaining the integrity of consumer credit reporting and protecting the rights of individuals. 

I anticipate a thorough investigation into this matter and request written confirmation of the removal of unauthorized inquiries and the associated account from my credit report within 30 days of receiving this letter. 

Thank you for your immediate attention to this matter. I trust that Experian will uphold its commitment to consumer rights and privacy. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX I was employed by a company called XXXX XXXX. I worked as a XXXX XXXX  for 3 months prior to quitting. When I left I returned the day afterwards and dropped off all of my uniforms with one of the techs working there. Since I quit, they have claimed I did not return the uniforms, and then they placed a negative collection on my credit claiming I owe them for non returned uniforms, however they placed it on my credit as a car loan. I have never taken a loan out with this company, let alone a car loan. I have made attempts over the years by phone calls and mail for them to validate my debt, and never once have I received anything. All I have ever received from them was threating mail to every address I've had on my credit, and have left threating voicemails on my phone. Every letter is a threat of legal action/garnishment of wages, contact to current employer, friends and family if I don't pay the money owed. They even went as far to put it on my credit twice to show I was delinquent on two auto loans. I have disputed this on my credit time and time again with XXXX and they were able to one of the time remove one of the car loans they placed on here. However recently they did remove it for one month, but then brought it back on my credit as if it was a new account. I reached out to the company again on XX/XX/XXXX due to it still showing on my account, and the fact they keep it open like I have an open account with them. They have it set up, so no matter the time frame it will never fall off my credit. As of this XXXX it has been 7 years since I left that job, and I'm still having problems with them refusing to validate or remove the account from my credit. The most recent time I reached out by email, they didn't even confirm who they were speaking with before they start emailing personal identify account information out. The last email I sent to them was today, after back and forth of them not being able to confirm they received my uniforms, and still refusing to remove it from my credit. I made the official request for them to stop all communications with me, as they have already violated my rights. With filing this complaint I will also be seeking legal advise as they have impacted me finically over the years with the negative marks on my credit for something I do not owe.
Product: Credit card or prepaid card

" XX/XX/XXXX '' someone stole up to XXXXXXXX XXXX ' on my bank of America unemployment card.I contacted bank of America and filed a dispute but they haven't yet returned my money or showed any effort of help.since then I faxed them over a police report on XX/XX/XXXX and I still haven't been updated about getting my money returned back to me can you guys please help.
Product: Debt collection

Levy & Assoc. have been harassing me for over a year. They claim that I owe Ohio Sales Taxes. They claim they found my name listed with a business that I have NO knowledge of. I tried to explain to them that they have the wrong person and the e response was why are you so upset then? They call me all day everyday from several different phone numbers. Today I opened my mailbox to find XXXX different letters for XXXX different accounts. I feel they chose me because of my past credit issues which I have never disputed. This however is totally different because it 's an absolute lie! It 's a travesty that they would be allowed to virtually terrorize someone on a daily basis just because he has had financial issues in the past. They have told me that the State Of Ohio is after me, this after I just moved out of the State. I have never been in sales and I ca n't possibly owe Ohio any Tax. Instead of finding real culprits, they have settled for a XXXX and if I did have the money they are accusing me of I would hire a lawyer and sue them to no ends for the pain and embarrassment they have caused me!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) I am filing this formal complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to resolve inaccuracies on my credit report, Experian has neglected its legal responsibility to conduct a reasonable reinvestigation of disputed information, leaving harmful and inaccurate accounts unresolved.

# # # Summary of the Disputed Information 1. **Account Name/Number : ** [ XXXX XXXX, account ending in XXXX ] **Issue : ** Disputed charge-off status with inaccurate balance information.

Experian has failed to : - Correct or delete inaccurate or unverifiable information from my credit report.

These failures align with the systemic issues recently highlighted in the CFPBs lawsuit against Experian, such as the reliance on unreliable responses from furnishers and insufficient notification to consumers.

Impact of Experians Actions The unresolved inaccuracies on my credit report have caused significant harm to my financial standing, including : - Denial of credit opportunities.

- Increased interest rates and unfavorable loan terms. 
- Emotional distress caused by the prolonged and unresolved disputes.

Actions Requested : I request the CFPBs immediate intervention to : 1. Investigate Experians non-compliance with the FCRA.

2. Ensure the removal the disputed accounts listed above.

3. Impose penalties or corrective measures to address Experians systemic failures in handling consumer disputes.

# # # Supporting Documentation Enclosed are the following documents for your review : - Copies of dispute letters sent to Experian.

- Evidence submitted with my disputes ( e.g., account statements, correspondence with furnishers ). 
- Responses ( or lack thereof ) from Experian regarding my disputes. 
- Any additional evidence supporting my claims. 

Thank you for addressing this matter promptly. I trust the CFPB will take the necessary steps to hold Experian accountable for its violations and protect consumers from further harm. Please feel free to contact me for additional information or documentation.
Product: Debt collection

This company is XXXX  I owe them money and its on my credit but I don't have a signed contract with them. This account has been on my FTC report and I've disputed with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership XXXX XXXX and XXXX XXXX they said they was only going to run my credit ones and ran my credit Numerous of times these are all the credit Inquiries XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 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
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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$32000.00} XXXX XXXXXXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It took place XXXX XXXX they began taking steps too secure they systems and commended a comprehensive investigation into incident. Then through the investigation on XXXX XXXX they determined certain documents stored within XXXX XXXX have been copied from or viewed on the system by an unauthorized person between XXXX XXXX and XXXX XXXX. They sent the letter because during the investigation determined that certain information related to me was present on the affected data. It included my son social birth date and medical records and contact information
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at 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 XXXX XXXXXX/XX/XXXX XXXX a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

Four years ago Wells Fargo Bank charged off a credit line that I had with them. A year ago they filed a XXXX with IRS declaring that they had Canceled or Discharged my debt. Consequently, I included the discharged amount in my income and paid taxes on the Discharged amount. Now, I find that despite the Discharge, Wells Fargo is still reporting the entire canceled/discharged amount to credit bureaus as Past Due and still owing.
Product: Money transfer, virtual currency, or money service

Complaint against Zelle Zelle money transfer {$2000.00} sent to wrong phone number : I was trying to transfer money to my spouse ( XXXX XXXX ) phone number - XXXX, I was using Zelle on XXXX XXXX on my XXXX XXXXXXXX XXXX XXXX. During the transfer the name of recipient was showing as my spouse name and number also my spouse number. But as soon as I pressed Send - the transaction started showing different name - " XXXX XXXX XXXX '' and the money was sent to wrong phone number - XXXX Date of transaction - XXXX Transaction number- XXXX Amount = {$2000.00} The money never reached my spouse account. I have reached out to XXXX XXXX  several times, but they keep saying they can not guarantee refund of money and keep closing my claims. I do not know that person ( XXXX ), I reached out to the person at their number ( XXXX ) and they have conveyed by message they are ok to return the money but they want zelle to process the claim for the funds ( i have proof of the chat messages ). I have tried to call and sent multiple messages from email, but Zelle keep saying only XXXX can help But XXXX  has closed my claim ( XXXX ) and are not helping with this. 
always replies case is closed and they will not help with refund.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and have noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

here is the item ( s ) I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for reporting inaccurate and inconsistent late payment information regarding my account with XXXX XXXX XXXX XXXX ( Account : XXXX ). The late payment is reported as 60 days late on XXXX, but only 30 days late on both TransUnion and XXXX for the same period ( XX/XX/year> ). This inconsistency violates the Fair Credit Reporting Act ( FCRA ), Florida Consumer Protection Laws, and court precedents, including XXXX XXXX TransUnion. 

Despite previous disputes, TransUnion has failed to correct this inaccuracy. I am demanding the immediate removal of this incorrect late payment within 5 business days under 15 U.S.C. 1681i ( a ) and related laws. If TransUnion does not comply within the required timeframe, I will seek legal action, including filing complaints with the FTC, CFPB, and Florida Attorney General, as well as pursuing damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had access to my email after some time and saw a mail from PayPal dated XX/XX/2022, that my account has been permanently limited. 
When I logged into the account, I saw that it was true my account has been limited. 
I seem not to Understand why my account could be limited cause I don't usually use the account often and demand for explanation and in the same vain Call for its reactivation. 
My account is full verified and I can say for sure poises no threat nor in violation.
Product: Money transfer, virtual currency, or money service

I sent money over zelle through my bank and it was the wrong person and not my fault, I asked my bank for help but they said there's nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with Bank of America that was ultimately foreclosed on. I began missing payments on this account earlier than XXXX, and this account should be removed from all credit bureaus at this point, but Bank of America refuses to remove it. Beginning in XX/XX/XXXX, I applied for a short sale, and even had buyers interested. BoA denied the short sale claiming the offer was too low. I applied for a short sale again, which BoA denied once again claiming the property wasnt marketable. I then in XXXX/XX/XX/XXXX requested a deed in lieu of. I called back two weeks later after not hearing from anyone, and was told I had been denied a deed in lieu because I had not completed a short sale process. I was completely floored as I had already gone through the short sale process and been denied twice!! I filled a XXXX complaint following that incident, which wasnt responded to until XXXX, and I was still requesting a deed in lieu at that time. BoA drug this out until XX/XX/XXXX, then still didnt have it officially recorded until XXXX. BoA has the worst business practices Ive ever encountered. Ive have been through enough because of their mishandling of my case, and their complete incompetence. I just shy of two years ago was able to get another mortgage through the VA, but I had to write a letter to HUD to requesting to have the flag removed from my credit early to do so. I explained the same information above to them, they obviously agreed it was poorly handled and granted my request. Im asking that this finally be removed from my credit report with so three bureaus since this was so poorly handled, couldve been resolved sooner, and shouldve absolutely been removed by now anyway.
Product: Debt collection

I have an unrecognized account on my credit report from IC SYSTEMS  XXXX  I have never done business with this company. I am requesting a copy of the contract agreement between IC SYSTEMS and the Original Creditor if there is to be any proof of this claim unpond my person. I do not believe IC SYSTEMS is a entity that can legally enforce a claim unpond my person without a investagation of the FULL CONTRACT AGREEMENT. Your company has 15 Days to provide me with the prooof that you own this debt or account and have the nessary documents to enforce a claim.
Product: Credit reporting

I tried to let them know that I had a student loan since I worked as a XXXX I had forbearance and they went on and counted the amount of days on forbearance as late payments and the account changes to another account then it changed to another company but they are all on my credit and it states closed but still appears on my account Now it has a new name XXXX or something like that and there it is again with the same Quantity I do not know how that can be affecting my credit.Then there 's a company called XXXX that is charging me an amount for XXXX single phone I had there is a current lawsuit against this company because of selling out private information about its clients and then the clients getting charged for services that at that time the type of phone I had was not capable for such things like internet TV XXXX XXXX did not even had cable back then.Sports and other cable channels.This Phone was a simple phone that I could barely read my email.How about this XXXX telling me I owe them money when I have XXXX and I pay every month what ever I owe them I get billed but in my credit report it tells me I owe an amount how would they have XXXX accounts.I think my ex husband used my credit and brought a phone with XXXX and tried to pin it on me.Far as I know I closed my account with XXXX and I think he might have opened a XXXX account because I do not even live in the same city these bills are coming from.I owe under XXXX and I am getting a Poor credit report I do n't even think that 's fair I know people that have XXXX in student loans and they have great credit they are behind there loans because like me they have applied for forbearance.