23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

'First American Title Insurance Company of Texas XXXX / '' First American Trustee Servicing Solutions XXXX Largents have sent certified mail with return reciept of " Notice of Rescession to officers of First American Title Insurance Company.. XXXX XXXX as the successor Trustee Authorized Signatory. 
Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent. 
The Alleged creditor/beneficiary in this case is THE XXXX AS TRUSTEE FOR CERTIFICATE XXXX ASSET-BACKED CERTIFICATES SERIES XXXX XXXX 1. The live agents of respondent have joint and several, fail, refuse or neglected to lawfully respond to the Demandant's/Largent 's : Notice of Default and Notice of Default in Dishonor , Discharge of Obligation to Pay Instrument ; and, Lawful Demand for Reconveyance. Notice of Rescission Dated : XXXX XXXX XXXX. 
2. LARGENTS ' CLAIM THAT FIRST AMERICAN TITLE INSURANCE COMPANY AS TRUSTEE ... MUST CANCEL THE FORECLOSURE SCHEDULED XXXX XXXX XXXX. 
Under Title XXXX XXXX XXXX ( regulation Z ) part ( a ), a service does not have the rights of a holder in due course and therefore, do not have the right to foreclose. 
You are hereby given notice that any attempt to foreclose on my property will be construed as prima fascia evidence that you are committing fraud. 
3. Loan Information Broker, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ; Lender, XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX, AZ XXXX ; Servicing, XXXX XXXX LoansXXXX XXXX, XXXX, TX, XXXX Loan Type, ARM, Six-Month XXXX, Refinance, Loan Amount : $ XXXXXXXXXXXX Document Date : XXXX/XXXX/XXXX ***Violations*** ( A ) XXXX - FDIC Statements of Policy XXXX. Imprudent Underwriting. It 's important to note that in a refinance loan, the lender engages third party service providers as these services are required by the lender. Therefore, pursuant to XXXX ( a ) ( XXXX ) & ( XXXX ), the cost of third party service providers such as escrow related costs, lender required recording fees, notary fees, title endorsements, etc. or any other services required by the lender are considered a " Finance Charge '' if the lender requires the use of that service. Because the lender did not include these charges, the adjusted Amount Financed is {$140000.00}. Therefore, the Final Truth In Lending Statement ( Exhibit XXXX ) understates the amount of Finance Charges by the amount of {$380.00}. It 's also important to note that pursuant to XXXX. XXXX ( g ), finance charges may not be understated by more than {$100.00} for the purpose of damages or, pursuant to XXXX ( i ), {$35.00} for the purpose of rescission if foreclosure proceedings have been initiated. 
XXXX. Under Disclosure of Finance Charge -- I have investigated the Finance Charge as disclosed on the Final Truth In Lending Statement ( Exhibit XXXX ) by running a 30 year amortization schedule and have noted that the total of interest the lender will receive is {$270000.00}. When added to the finances charges of {$3600.00}, the total Finance Charge is {$270000.00}. Therefore, the Finance Charge is under disclosed by an amount of {$390.00}. Please refer to the Supporting documents for the remaining violations
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I'm not familiar with them, and the company acted without my permission.
Product: Credit card or prepaid card

Last month, I received a notice from JPMorgan Chase that the interest rate on my credit card that I have had since XX/XX/XXXX would increase. This increase they state would align the interest rate with other comparable credit cards that the firm offers. This is the product that is now called the XXXX XXXX card. When I opened this account, I was an employee of the XXXX and the XXXX solicited the card to all employees with an employee interest rate that remained at 9-10 %. They allowed balance transfers over the year. Naturally I moved balances to this card and do carry a balance because it had the lower rate. Starting end of XX/XX/XXXX, any future charges will assess the higher rate. As I was forced into retirement by the XXXX after more than 40+ years employed with them, I find that first they changed two conditions not just one condition. They only communicated the change around the interest rate and did not communicate the condition that the employee rate would no longer be honored. I can no longer use this card due to the increase in the interest rate now and I feel JPMorgan Chase did not communicate to those that have had the card for a very long time under the initial card agreement and that the card no longer is an employee discounted rate credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my  XXXX  nor  XXXX  reports reflect this information. In fact, both show that as recently as  XXXX   XXXX ,    2017, the account was still reporting a {$360.00} balance owed and is still in collection status.      This account does not appear on my  XXXX  file.
Product: Checking or savings account

XX/XX/2022 at XXXX My car was broke into and I had my SSN, my driver license, and passport. Theft took all my belongings and had my debit card. Theft went to a nearest atm and withdrawn XXXX. 


I made a call to Wells Fargo and asked to replace my cards. I asked to dispute XXXX. I submit my police report, and my documents. I told them that I had video recording of theft breaking into my car. Bank said they cant do anything about it. ATM has cameras and I asked why cant they use their camera to detect the person and they do is deny me.
Product: Debt collection

I am writing to formally request validation of an alleged debt that Wells Fargo Bank , N.A . ( WFBNA ) XXXX claims I owe in the amount of {$24000.00}, with the last update recorded on XX/XX/2025. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting verification of this debt to ensure its accuracy and legitimacy before proceeding further.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Calls begin at XXXX and do not stop until around XXXX. They now call from an unknown number back to back to back & leave repeated voice mails after each call
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing this letter after making several desperate attempts to your Coinbase Support. Last week ( Monday, XX/XX/2021, at XXXX XXXX  ) I received a message from Coinbase indicating my password has been changed. As I did not change the password I suggested that Customer Support block my account as I believe somebody attempted to hack my account. Since then I am not allowed to access the account nor reinstate the account. I was unable to reach any Coinbase Support agent so far in order to get assistance to reinstate my account. First, I called the Customer Support phone number many times, however ; I could not reach any live Customer Service Support team agent to discuss my issues. It says their system can not recognize my account from my phone number nor by the email address which I provided when accessing the Coinbase account previously. This customer support number seems to be useless as it won't offer any live support to the customers. Then I filed few complaints through Coinbase Support however, again I did not receive any response from your customer support so far. I also make several attempts to file an official complaint using the complaints form in your Coinbase Customer Complain Resolution Process as I could not resolve my issues with Coinbase Support. I could not even submit this complaint form successfully as it repeatedly asking an existing case number on the complaints form which I do not have. Their system never generated any existing case number or a ticket number although I filed many written complaints with Coinbase Support as stated. Now my Coinbase account is lost, and my identity has been lost meanwhile my banking institution that has been linked to this Coinbase account is frequently sending alerts to me as they monitor several unauthorized attempts to withdraw funds from my bank account using my Coin base account that has been hacked. Although I was able to block my bank account I can not do much with my Coinbase account because I dont have any access to reach any customer support.
Product: Debt collection

I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof.

3. XXXX XXXX XXXX/Original Creditor : XXXX XXXX XXXX $ XXXX First time contacting this agency was XX/XX/2017. They sent me a print out but no signature.
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 : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXX  XXXX Balance : {$6900.00} , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6900.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

XXXX i called XXXX  XXXX to discuss my account. They advised me my balance was {$730.00}. I went ahead and made a payment of XXXX dated XX/XX/23. I called again the next day I wanted to pay off the amount of XXXX. They cancelled the payment and advised me that the new payoff would be {$880.00}. I asked XXXX XXXX supervisor ext XXXX how the balance got so high in 1 day. XXXX XXXX was very rude. She said that she was not going to take the pay off of {$880.00}, she said the new Payoff to {$1600.00}. I begged her not to pay {$1600.00} and she advised me to pay {$880.00} which is {$140.00} more than the amount given day before. Can they do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing erroneous information on my credit file since XX/XX/20 that haven't been fixed.
Product: Credit reporting or other personal consumer reports

This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by. XXXX XXXX XXXX Account # XXXX Transunion Account # XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS IN XXXX  FOR SEVERAL YEARS SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR LOANS AN CREDIT CARDS MY INFORMATION WAS ALSO PART OF A DATA BREACH WHERE MY INFOMATION WAS USED FOR IDENTITY THEFT THERE ARE SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT KNOW AND AM NOT FIMILAR WITH THESE ACCOUNTSI am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

So a couple days ago ( XX/XX/ ) I purchased XXXX which my bank ( Suntrust ) allowed me to do but I had to call and verify the transaction. I just moved down to Georgia and got my first paycheck. After my move funds have been tight so I deposited my first check in the amount of {$5100.00} to a Suntrust ATM on the night of XX/XX/. I tried accessing my account online today ( XX/XX/ ) and have found out by calling that my account has " violated terms and conditions '' which was information disclosed by a customer service representative. I don't get paid again until ( XX/XX/ ) and a lot of bills will be due at the same time. I know I am making this complaint early, but I have seen the horror stories associated with banks such as Suntrust freezing money of their clients while they " research the account ''. My account has been open for less than a month now and that was the only transaction that set off a flag and had me call to verify which I thought was standard buying cryptocurrency. If this does violate their policy I would just like my money as soon as possible. I asked the customer service representative where I could find the terms and conditions of the account and he claimed " the only place to find this would be through your online account '', which I have no access to. It feels like I'm being taken advantage of already and I am willing to own up to it if I am not allowed to purchase cryptocurrency. If that's the case I should have read the fine print. I would just like my money so I can start an account elsewhere or to have this issue resolved in anyway possible.
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  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  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: Credit reporting or other personal consumer reports

As a victim of identity theft, I am asserting my rights under federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, which protect consumers from the unauthorized use of personal information. The harm caused by these actions is worsened by your agencys inaction in addressing my ongoing disputes. 

This situation is further compounded by data security breaches, involving the XXXX XXXX XXXX, exposing my information to misuse. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), your agency is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. 

The unauthorized accounts linked to my Name, Social Security number, and Personal information are : XXXX XXXX XXXX : Balance : {$690.00} : Open Date : XXXX, XXXX Inquiries Are : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The name of the company is early warning that most banks use to determine if somebody is eligible to have a checking account with them it happened when I had a checking account with what was then XXXX compass Bank I was a victim of identity theft somebody sent me a check I deposited it and waited for it to clear I then paid some bills and was alerted by the bank that the truck was bad so I went through the process of even getting a loan for over {$4000.00} to pay the bad check they then asked me to leave the bank and they put that bad report on my report with early warning and ever since I can't even get a bank account even at the credit union that I used to be with I'm not sure what the dates were it was over 4 years ago and since then I've tried to get with XXXX compass bank manager and then I never heard from him after I asked for help I need this removed now before I get married and have the embarrassment of telling my fiance
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in fraudulent activity on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following account from my credit file : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00}
Product: Student loan

On XX/XX/2023 I received a credit monitoring notification that Firstmark Services had reported my XXXX student loan accounts as " 30 days late ''. IT WAS NEVER 30 DAYS PAST DUE. As I was in the process of obtaining a VA Home Loan, I reached out to my lender ( XXXX XXXX ) for further direction. 

I was informed they'd perform a " credit supplement '' or mortgage verification XXXX way call between myself, XXXX, and XXXX. Reference code XXXX. 

During this recorded conference call on XX/XX/XXXX, the representative had verified all XXXX accounts, with the most recent payments made, the balance, and that each was NEVER LATE. 

Going off of this information and under the belief that all of my credit information was accurate, I applied for additional lines of credit- I WAS DENIED, FURTHER DAMAGING MY CREDIT SCORE. 

I had then pulled my credit reports from XXXX and XXXX sure enough, Firstmark reported them 30 Days Late. I filed disuptes with each. The result was Firstmark still reporting the late status and even more alarming was that all payment information and balances were different between each- even though Firstmark responded to the disputes in a period of time where no changes to the account were made. 

Firstmark and their reporting practices are damaging to not only my credit well-being, but any consumer. Their information is seemingly never correct and varies depending on whom you speak with at the time. Their actions have been careless and ridden with negligence. As credit bureau level disputing has been fruitless, this is my final action before filing a formal lawsuit. If I am forced to this action, Firstmark 's horrible business practices will be made very public, along with my official notice to file suit. 

This summary will be published on consumerfinance.gov, as a start.