23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was sent a notice of transferring letter that stated that my loan would be transferred from Guaranteed Rate to XXXX XXXX XXXX effective XXXX/XXXX/XXXX and that my next payment should be made to Guaranteed Rate. However, I was never given a XXXX account number. I called XXXX on XXXX/XXXX/XXXX to make the payment and they said my loan was not in their system. I called Guaranteed Rate and they said the transfer had been delayed. However, no one had informed me of this in ANY FASHION. I do n't see how this is remotely acceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue.

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report.

Specifically, I am seeking the removal of the following 3 unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX It is essential that my credit report reflects only accurate and legitimate information.
Product: Debt collection

I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. The accounts are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, and XXXX. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on three occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.
Product: Checking or savings account

on XX/XX/23 i contacted Chime because someone had tried to get into my account an take {$20.00} out of my account i contacted chime an they told me not to worry about it then on XX/XX/23 i received my first direct deposit of {$1500.00} an i received a alert that someone was literally trying to steal my money out of my account an could not accuse my account called chime an chime did nothing i was on the phone with chime as someone was in my accost taking my money i also have the document 's an photos showing that it was not me but chime accused me of stealing my own money i have several log in attempts an also other documentation as well
Product: Debt collection

In 2023 I sent a letter explaining to Midland credit management that this debt was not mine and that it was a fraudulent account on my report and to no avail nothing has been done yet.
Product: Checking or savings account

Money was taken out of my checking {$10000.00} at XXXX banks in XXXX ( total of {$20000.00} ) Then money was taken out of my savings at XXXX different banks in NY and someone tried to charge a XXXX on another account. 
Bank says I have to wait XXXX XXXX days for my {$20000.00}. They rejected my claim to give me money until they investigate. all the have to do is look at the video from the banks. 

They also have not responded to the police detective. I have been with this bank fo 44 years and I can't get past the main fraud to get XXXX --
Product: Mortgage

On or about XX/XX/XXXX, the borrower defaulted on his first lien mortgage loan, which loan is serviced by Seterus. Seterus commenced a foreclosure against the borrower on XX/XX/XXXX. On XX/XX/XXXX, the borrower and Seterus entered into a permanent loan modification under the XXXX Standard Loan Modification program. After the borrower 's loan had been permanently modified, Seterus charged {$340.00} of legal expenses to his account on XX/XX/XXXX, and another {$300.00} of legal expenses on XX/XX/XXXX. These legal fees appeared on the borrower 's mortgage statement dated XX/XX/XXXX. 

Seterus is barred from charging these {$640.00} of legal fees to the borrower. Under the XXXX Servicing Guide, Section XXXX, " [ t ] he servicer must include the applicable attorney fee as part of the amount required to reinstate the mortgage loan '' and " [ a ] ll out-of-pocket costs that the law firm incurred prior to the cessation of foreclosure proceedings must be collected from the borrower as a condition of the reinstatement or workout agreement. '' If the servicer fails to include these fees and costs as part of the workout agreement, it may not charge these fees to the borrower. See XXXX Servicing Guide, Section XXXX ( providing that " [ i ] f the servicer fails to include as part of the amount required to reinstate or pay off the mortgage loan any legal fees and costs that were incurred in connection with the foreclosure proceedings, or is prohibited from charging the borrower for certain costs under applicable law, it must reinstate or pay off the loan without collection of such legal fees and costs from the borrower '' ).
Product: Debt collection

This company PLAZA SERVICES, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone Number ( XXXX ) XXXX Has purchased an account from XXXX XXXX XXXX and reported as in collections on my credit report. Personify partners with XXXX XXXX XXXX  to offer illegal loans. Both companies are not licensed through Michigan Department of Insurance and Financial Services and are not able to loan to Michigan residents. This company is impossible to deal with on the phone. The representatives are very rude and threatens to file a lawsuit, and will disconnect the call. They also contact family members unnecessarily. This debt is not valid. It is also in violation of Michigan Statuary Interest Rate Ceilings. 

XXXX XXXX XXXX XX/XX/1967 XXXX
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; 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 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, has violated my rights XXXX 

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 an 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 XXXX 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: Student loan

I repaid my loan in full years ago. The money left my account but it has never been credited to my account.
Product: Vehicle loan or lease

I opened an auto loan with American Honda Finance on XX/XX/XXXX. I've made payments on time ; however, there is an error indicating that XX/XX/XXXX and XX/XX/XXXX payments were late. I have contacted the lender regarding this matter on several occasions. It was a clerical error that needs to be corrected, as it is preventing me from purchasing another vehicle. Thus, this incorrect information needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am requesting My payment history to be deleted from all 3 credit XXXX, XXXX and XXXX. I Have explained truly and detailed that i was going through financial hardship during the month XXXX  2023.  I Lost my Dearest grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account that appeared on my credit report from XXXX XXXX. This is reported as a medical collection out of Florida. I have never had medical services from the area. Additionally, I have lived in Virginia during the time the services were rendered. 

I contacted the collection company via a phone, XXXX XXXX, and they stated the information did not match my information. Specifically the date of birth. The representative who handles these disputes continues to be unavailable. Additionally, a written request has returned undeliverable even though this is the address provided to Equifax. 

It was discovered that the first 5 digits of the social also do not match. This was determined by contacting the original creditor as provided by XXXX XXXX. 

This collection is not mine and the predatory nature in which the collection company blindly assigns the debt is appalling and detrimental. I have no documents other than my credit report. However, there are no documents from the services rendered proving that this is my debt. Also, if documents are provided from the original creditor it would show that this debt is not related to me at all.
Product: Checking or savings account

TIAA posted a public online offer at tiaa.com that says " TIAA Bank is offering a bonus of {$250.00} when you open a new checking account and complete the following requirements : Make qualifying direct deposits totaling at least {$1000.00} within 90 days of account opening ''. I opened the account online and initiated the direct deposits and met all the terms but still didn't receive the bonus.

I called TIAA twice to solve this.

TIAA representative said I needed to go online and requested a promo code and then open the account.

This was a false statement. Because customers can open account online and no promo code was required. It is a public offer posted at TIAA.com, indicating everyone can apply without having the promo code.
Product: Mortgage

CFPB, this is not a duplicate complaint. Per the CFPB Ombudsman Office, if the company fails to answer our questions or raises additional questions, we are entitled to submit additional complaints against the company! This complaint is for First American Title to respond too and answer all of our questions below! If First American Title responds to this complaint accurately and truthfully, we will cease and desist all complaints against your company. Failure to comply will result in additional complaints filed against First American Title!
Now, as the CFPB and First American Title knows, First American failed to answer our previous questions in CFPB complaint # XXXX which was submitted on XXXX XXXX XXXX. First American provided a written response to the CFPB dated XXXX XXXX XXXX which First American did not answer our questions. As you can see from our previous complaint against First American, First American failed to tell the truth to a federal agency that is going to conduct an investigation! As I stated in previous CFPB complaints, If First American did not violate our rights or our laws, then why are they failing to answer all of our questions? Now ; First American stated in a previous complaint ; " that the lenders instructi
on on page 3 stated ; " please send the Deed of Trust and the title policy to the address below ''.
NOTE : on page 3 of this document states a copy of the hazard insurance policy and the title commitment is to be sent to the lender in the closing package ''. There is no mention on this document what First American stated! Can First American provide this document, page 3, circle this area where it states ; " please send the Deed of Trust and the Title policy to the address below ''? Is n't it a fact that First American Title policy is to maintain accurate records even in your electronic data base at all times?
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

Paypal.com openly works with the XXXX XXXX XXXX in the world while claiming to not work with any XXXX sites. One example of thousands is XXXX XXXX XXXX XXXX XXXX XXXX use this link which shows a XXXX site, XXXX, advertising to join said site using paypal connected with XXXXXXXX XXXX only serves XXXX sites. 
I made a purchase on the site and the site was fraudulent. I asked XXXX for refund and they refused forcing me to contact XXXX XXXXXXXX called me a " XXXX '' and threatened to post my information online etc. etc.. but they did the refund ... ..so, how can XXXX work with XXXX etc. while treating people this way? and why does XXXX and thousands of XXXX sites work with paypal? I will make a separate complaint against XXXX. 
If you need me to take screenshots and/or find other examples of paypal working with XXXX sites, let me know and I will supply. when I contact them they lie and ignore me. They blocked me after I asked this question in their forum. Paypal also closed my account after I talked to paypal about this.
Product: Credit reporting or other personal consumer reports

I SENT SEVERAL COMPLAINTS FOR XXXX XXXX REGARDING THE INFORMATION BEING REPORTED WITHOUT ANY CONCENT EVEN I GOT LETTER FROM COURT THAT THEY ARE NOT REPORTING IT SO HOW THEY CAN REPORT THIS INFORMATION.THATS EXTREMELY UNLAW FULL AND THEY ARE HARMING MY FINANCIAL LIFE
Product: Credit reporting or other personal consumer reports

I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Product: Debt collection

More than 7 calls in 7 days, calls coming outside of convenient times including before XXXX and after XXXX
Product: Credit reporting or other personal consumer reports

I was contacted by LJ Ross Ass. In XXXX of 2024 in regards to a debt. When asked for verification of the debt I was asked to pay the debt instead of any account details or identifying information that would prove the debt is mine. I then disputed the account with XXXX XXXX and was told its been verified. If its been verified why havent I received any of the verifying details? By law the credit bureaus are required to do a full independent investigation, clearly that has not happened here.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a letter from Portfolio Recovery Associates ( PRA ) in which they stated that my complaint was frivolous or irrelevant, even though I specifically disputed the legality of their continued reporting to the CRAs and requested that they remove said tradeline from my credit report, at the CRAs, because the seven-year statute of limitations for reporting had passed. 

Needless to say that they have no intention of providing the information requested, or taking the necessary steps to remove their tradeline from my reports. 

PRA is intentionally and purposefully delaying addressing my request because they believe, as so many other consumers have done, that I will just move on and let their tradeline continue to be a hindrance to better credit terms. 

PRA is a repeat offender ; XXXX XXXX XXXX XXXX Filed XX/XX/XXXX, is a testament to that : This is the second enforcement action that the Bureau has brought against PRA. In the first, the Bureau found that PRA violated multiple provisions of Federal consumer financial law, including the Consumer Financial Protection Act of 2010 ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ), through its debt-purchase and collection practices. The Bureau resolved those findings through an order, to which PRA consented, issued on XX/XX/XXXX in In re Portfolio Recovery Associates , LLC ( Administrative Proceeding File No. XXXX ) ( the Order ). The Order required PRA to abide by certain conduct provisions.

The complaint further stated that : Since the Order went into effect, PRAs debt-collection practices have violated numerous Order provisions, along with the CFPA and the FDCPA. PRA collected on at least tens of thousands of debts that consumers disputed even though PRA did not take the required steps to substantiate the accuracy and validity of those debts. PRA collected on numerous debts without informing consumers the debts were too old to legally enforce or report to a CRA. When notifying consumers that they could be sued, PRA failed to offer to provide consumers with certain required documents. On XXXX of occasions, PRA failed to timely provide the documents it did offer. PRAs failure to offer and timely supply the requisite documents likely affected consumers decision-making about whether to pay allegedly outstanding debts. And PRA sued thousands of consumers when it lacked proper documentation about the debt, and at times sued on debts that were too old.

I am a victim of these repeated violations. It is my belief that the {$26.00} Millions penalty assessed to PRA was intended to stop them from abusing vulnerable consumers like me. Well, it is safe to say that it is not working. With impunity, they continue their reporting activities, including the date they received my last certified mail.

I am humbly asking you to demand that PRA respond to my request or that they promptly remove their tradeline from my reports. 

Sincerely, XXXX XXXX
Product: Mortgage

Due to COVID I have had to refile my XXXX case, I filed my new XXXX on XX/XX/XXXX but the sale date has not been canceled or postponed. I called the servicer, SLS on XX/XX/XXXX and they could the sale date on my account, and I would need to call back to see what happened. But when I check online, it is still set to be sold on XX/XX/XXXX. See attached XXXX docs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and remove : XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance : {$0.00}.
Product: Debt collection

I don't know if I should file this complaint against multiple companies or if I should file separate complaints. One complaint deals with the original creditor and the collection agency trying to get double enrichment because both of these companies are citing this derogatory account on my credit profile. The vehicle in question was subsequently sold at an auction and I believe that this company owes me for a surplus of cash that they received from the vehicle. This company did not give me any of the prerequisite notifications before or after this vehicle was sold therefore I don't know how they came up with this amount of money that they claim I owe them but I do not owe them this amount of money, to the contrary I believe they owe me. They are refusing to validate this debt, they only sent basic verification information to the credit bureaus for A name and amount, but I specifically asked that this account be validated as an accurate and true. I asked for a list of items which they are refusing to give me, the original instrument of indebtedness in its original form, a calculation of deficiency amount including the fees and interest, a copy of the assignment a purchase from the Creditor with a full and clear title, bank statements proving late payments were deposited on a date, proof that the debt collector legally bought this debt and the amount the debt was purchased for, notice of sale, post-sale notice, accounting of surplus, disposition of collateral, repossession deficiency balance, right of reinstatement, right of default, certification of accuracy, they refused to give me any of this information that I requested. I'm asking that this account and all negative remarks associated with it you immediately removed from my credit report.
Product: Debt collection

I feel that I am continually being lied to and mislead by Transworld. I never received proof of the debts from Transworld, and if I had I would have resolved them so they would not hit my credit report. Also  Transworld continues to tell me that they are bound to report the accounts however when I have contacted other such agencies in my state they have informed me that they have and do delete from a credit report. So it is obvious that this is their company policy and not an actual law, they have lied to me and knowing that their is zero benefit for the collection company to report these accounts as they are paid in full.