23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I originally closed on my FHA Mortgage loan with XXXX XXXX XXXX on XX/XX/XXXX. I received notice that my FHA Mortgage was sold to BSI Financial Services in XX/XX/XXXX. Effective Date of Transfer was XX/XX/XXXX according to documentation. I have received a Notices to Taxpayer - 1st Half from the XXXX County Treasure office indicating that there is now a Delinquent Real Estate Property Tax amount {$1600.00} that became delinquent XX/XX/XXXX which was to be paid from my Escrow account by BSI Financial Services. I immediately called BSI Financial Services after receiving this notice on XX/XX/XXXX and the representative who I spoke to indicated that the transfer was performed in XXXX and that is why they were not paid. I was told that my property taxes would be paid. I have received another notice from the XXXX County Treasure office indicating these still have not been paid. I called BSI Financial Services again on XX/XX/XXXX to get an update to be told the same thing. I have {$4000.00} sitting in my Escrow account in which I have personally paid into and my home is at risk of newspaper publication for BSI Financial Services failure to properly cooperate & disburse payment to the XXXX County Treasure Office for the delinquent Property Taxes. After researching BSI Financial Services it appears that BSI Financial Services is known for inadequately overseeing service providers, resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners insurance premiums and it appears that I am now a victim of this. However it is not that its untimely it's that they aren't cooperating to pay them at all.
Product: Debt collection

I XXXX XXXX received a collection letter recently dated XX/XX/2023 from a law firm known as RAS LaVrar , LLC. The account was a XXXX account that was settled years ago when XXXX either transferred to account to a debt buyer known as XXXX XXXX XXXX, or I negotiated the original debt with XXXX directly. It was over 10 years ago. So when I received this collection I called RAS LaVrar , LLC. A person claiming that he was a non-attorney negotiator trying to collect a debt. Let me be very clear, the account is years past any legal collection timeline, and I paid the debt years ago. I have no idea how RAS LaVrar LLC, a law firm with a XXXX, Florida address could have received my personal information. The agent claimed that XXXX sent my information to RAS LaVrar. Highly doubtful. 

RAS LaVrar pulled by credit report in XX/XX/2023 from XXXX. My personal privacy being violated, I believe RAS LaVrar is fishing for old debts to fool a percentage of the American public to ascertain a payment arrangement that is 100 % illegal. I did lose my cool talking to a person who is obviously trained to muscle people into debts that are long out of the legal guidelines. The CFPB needs to pull a full audit of the collection practices of RAS LaVrar. I am going to file suit in federal court for damages. My privacy has been violated and I'm certain that this law firm is breaking multiple laws both on a state or federal level. 

Damages must be paid for this serious violation. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22 my phone was hacked and 3 transactions occurredon my device totaling {$470.00} on my cash app. In order to stopthem from stealing anything else, I disconnected the data frommy device for a little while. I then did a factory reset to removewhatever gained access to my device. I contacted cash appimmediately once I could download the app again. They sent mea message asking me to fill out questions 1-3 and that questions4-7 were optional. I filled out all questions. These are thequestions : XXXX. What is your legal name, $ Cashtag, email addressand/or phone number linked to the account associated with the'unauthorized ' activity? 
2. What are the dates/times and amountsfor the transactions that you believe are in error? 
3. Why do youbelieve the transactions were unauthorized?

4. What is themake and model of the device ( s ) you were logged into when thetransactions took place? 
5. Which city & state were you locatedin when the unauthorized transactions took place? 
6. Did youforward or provide any account access information to a thirdparty? 
7. Were you instructed to download any other apps otherthan Cash App to access the account in question? 
They sent mean email advising that the investigation could take up to 10 days.In less than 48 hours they sent me a message stating that mycase was closed and denied. They also said, " We compared the transactions you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( s ) was authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed. '' If they looked at my transaction history at all then they would know that I have never used bitcoin and don't send money to people not on my contacts list. At the end of this email they suggested I secure my account using best practices indicating that they know I was hacked. I NEED my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint on behalf of myself without any assistance form third parties. I spoke with XXXX on the phone in response to their failure to properly report accurate information. They are not reporting 100 % accurate data as required by FCRA and are violating 15 USC 168s-2 ( b ). They did not conduct a proper reinvestigation with the furnishers of the information. I have also spoke to Navy Federal Credit Union and they told me different information than what they are reporting to the CRA 's. I told them it was inaccurate, they are now aware that there are errors on the consumer report, which is a violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ). This inaccurate data has been damaging to my entire financial profile. I have been denied extensions of credit, car loans and business loans.
Product: Student loan

I was added as cosigner on a student loan through   XXXX    XXXX   XXXX  in  XXXX . When I fiiled out my portion of the paper work I adde d three stipulations for the loan : 1 Interest would be paid during school to avoid a Higher amount of principle at the end of school. 2 I be notified if the loan payment is late. 3 do   not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX    XXXX  took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  XXXX   XXXX   XXXX  and then   National Collegiate Trust.    The  loan is serviced by  American Education Services a nd despite 11 years of attempting to resolve the fraud with AES I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in  XXXX  and  XXXX  and Inspector Generals in both states as well. My credit is still effected. NCT and  AES are  the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit  held hostage  or give in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan )  Issue Getting a loan : Qualify for a better loan than offered
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS VIOLATING THE FCRA BY NOT BLOCKING THE ACCOUNTS AND CLAIMING ILLEGALLY THAT they believed I received something from the creditor despite the litany of information I have provided and Osada ruling that REQUIRES THEM TO MAKE CLEAR WHAT IS NEEDED TO BLOCK THE ACCOUNT. Read the law! This was their deplorable response. 

Thank you for submitting your complaint on XX/XX/2017,  through the CFPB Complaint portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the CFPB portal and directly to Experian. We are currently in the process of contacting the data furnisher ( s ) and/or public record vendor ( s ) to verify the accuracy of the information with which you disagree as needed. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. We received the identity theft report you provided, however, we are unable to block information on your credit report because we have reason to believe the request to block information was based on a material misrepresentation or you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the disputed transactions. For additional assistance, you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. ( Illegal violates the OSADA and FCRA amendments and more importantly post XXXX breach insures the account was compromised the way I EXPLAINED IN DETAIL. )
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX i received a Notice of Claim from Aargon colletion Agency LLC., located at XXXX XXXX XXXX XXXX XXXX NV XXXX. I responded with a Conditional Acceptance. I requested a Verified Proof Claim, any certified documents assigning the collection agency as the transferee from the original creditor, and various questions that i needed satisfied. The only response that was sent was a Billing Statement. I refused this statement, because it was not what i required. In XXXX after many Conditional responses, that i sent Certified Mail with return Receipt Requested they never sent me anything certified nor authenticated. In XXXX i reviewed my Credit Report from XXXX. I noticed a Negative notation by Aargon collection Agency since XX/XX/XXXX. I never received any other information from Aargon before XX/XX/XXXX. The Negative Credit information was immediately removed by XXXX and my Credit went up XXXX points over night.. XXXX agreed with my dispute. Aargon Collection Agency was acting fraudulently and violated my rights to Due Process, and violating Fair debt collection practices Act, CFPA, and Fair credit reporting Act, among others. Thank you.
Product: Debt collection

Ive sent an affidavit of truth to Global Lending services whom somehow has my personal information and have been reporting an improper debt onto my consumer report. i believe my federal protected conumer rights are being violated and i have proof in the attachments ive sent to Global Lending Services. under fdcpa ( federal debt collection pratice act ) 15 USC 1692 vaildation of debts congress states a debt collector " SHALL '' send me the consumer 5 items within 30 days of the intial communication. Global Lending Services never sent me the 5 things required under 15 usc 1692G, and still have yet to respond to my affidavit. i am expencering loss of sleep, loss of concentration, and Anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Sam 's XXXX Synchrony Bank credit card on today Tuesday, XX/XX/2020. It was documented that I was not assigned the best interest rate that they offered because of my XXXX Credit Score as per XXXX. I have not had any success getting through with either Email ( XXXX ), or by toll free telephone XXXX. 

I can not make a human connection.
Product: Credit reporting or other personal consumer reports

I received an email from my chase credit card on Saturday XXXX reporting new accounts opened. One by XXXX  XXXX XXXX which I have contacted to report and one by XXXX XXXX  XXXX with a non working number on my credit report. I did not open these accounts.
Product: Mortgage

{$110000.00} was borrowed from TIAA Bank in XX/XX/XXXX. Six regular payments were made on the loan for the months XXXX to XXXX as per the agreement with TIAA. 

I requested a payoff quote from TIAA on XX/XX/XXXX. The payoff amount in the letter of {$110000.00} was good thru XX/XX/XXXX. The pay off was broken into {$110000.00} unpaid principal, {$750.00} in interest thru XX/XX/XXXX, and a recording fee of {$55.00}. 

On XX/XX/XXXX, two checks totaling {$110000.00} were delivered by XXXX XXXX XXXX XXXX and received by TIAA bank. TIAA posted one check on the XXXX and chose to not post the other check until XX/XX/XXXX. Even if the payment was applied a day late, the additional interest per diem is noted as {$16.00}. 

TIAA did not close out my mortgage. Rather than pay off my loan, TIAA bank charged me {$1500.00} in XXXX interest, which is three times the normal interest amount. They deposited {$1700.00} into their escrow account, again three times the normal amount. The balance of the payoff amount, noted above, was applied to principle. I never was called by TIAA with questions. 

When I attempted to resolve this with XXXX ( emp # XXXX ) and XXXX XXXX from TIAA, the resolution was for me to pay an additional {$1300.00} plus a recording fee of {$55.00}. These amounts are on top of the amounts already paid. 

To my surprise, on XX/XX/XXXX, TIAA sent me an email stating they had paid an insurance premium in the amount of {$1000.00}. This email is what caused me to start looking into the issue. Further, the provider that was supposedly paid by TIAA called on XX/XX/XXXX, stating that the insurance was to be canceled for non-payment if not paid by XX/XX/XXXX. I had to pay the {$1000.00} out of my pocket rather than the escrow. It's unclear if TIAA sent the check or not. We are out yet another {$1000.00} because of TIAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX AK XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting paying off debt to buy a house and Im going thru a mortgage company and they pulled a credit check back in XXXX of XXXX no student loan came up. Months went by started paying stuff off by the beginning of XXXX XXXX XXXX showed there was a student loan of XXXX that I believed was taken out in XXXX? Not a 100 % sure. I havent been in school since XXXX Ive worked my whole life and still currently working have no interest of going to school. Whoever the person was that applied for a loan knew my social and old address that i havent lived In for XXXX yrs. Called the us department of education there was nothing they could do except give phone numbers that didnt work called TransUnion they would go thru the steps to dispute and this was back in XXXX when I found the loan. XXXX came and gone havent heard anything. Called today XX/XX/XXXX to TransUnion and they said they went thru the steps but us department of education told them that the loan was me and that was it. Filed again for a dispute with TransUnion which will take another 30 days.. please I need help to get rid of this. Ps.. they couldnt tell us what school the loan was for
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 or 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: Debt collection

Beginning in XX/XX/2020, I began to get automated phone calls from HRRG. They continue to leave me several voicemails each week from several different numbers. The messages never specify whom they are attempting to contact, but I do not owe anyone any debt due to having filed a Chapter XXXX Bankruptcy.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into the inaccurate reporting of my credit information and to demand the deletion of the following account : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX In XX/XX/year>, information regarding this account was provided by a data furnisher to the credit bureaus. However, there are discrepancies in the reported data across the three major credit reporting agencies : - XXXX** reported the account as a charge-off in XX/XX/year> XXXX Reported the account as paid on XX/XX/year> - **TransUnion** data shows Charge-off in XX/XX/year> These inconsistencies highlight the inaccurate reporting of my credit information. I have provided documentation demonstrating these discrepancies and showing the inaccuracies across all three bureaus. This inaccurate information falsely manipulates the statute of limitations and has caused significant harm to my credit profile. 

Under the Fair Credit Reporting Act, I have the right to accurate and consistent information across all credit bureaus. Your failure to investigate this account properly and correct the discrepancies has violated my rights. 

I am demanding the deletion of the account XXXX XXXX XXXXXXXX from my credit report due to these inaccuracies and the improper investigation of this account. I expect a prompt resolution to this matter and confirmation of the deletion.
Product: Mortgage

I bought a house XX/XX/XXXX, my mortgage holder was pacific union financial. First payment was due XX/XX/XXXX which I made with bank check on XX/XX/XXXX which they cashed but never put towards my loan, mortgage was sold to XXXX XXXX XXXX beginning of XXXX and that money still has not been transferred over to them towards XXXX payment. MR Cooper apparently owns pacific union and they acknowledged the issue was correct but still nothing has been resolved..They are past their 60 days grace to transfer funds and they have had the money for almost 90 days. Most consumers don't have an extra {$840.00} sitting around unneeded to write off or be without this long, myself included. I have made XXXX and XXXX payments but are still late because of this missing payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, XXXX HAVE STILL. AT THIS TIME HAVE NOT DELETED THE XXXX ACCOUNTS, on my CONSUMER REPORT, already admitted my XXXX XXXX OF BEING MY INFORMATION BEING RESOLD AND WITHOUT MY CONSENT. at this time it is now demanded to remove any accounts in connecting with NFCU. The federal violation. For these matters will be address, pursuant to 15 US CODE 1692k civil liability XXXX XXXX, XXXX equifax and XXXX are all liable for {$10000.00} in privacy fraud. XXXX XXXX CASE NUMBER XXXXI would like the information sold to all 3, bureaus without my consent, causing turmoil for almost two years. XXXX XXXX HAS ALREADY ADMITTED TO SELLING INFORMATION THAT IS NOT ACCURATE TO THESE THREE BUREAUS
Product: Credit card or prepaid card

Home Depot credit card was supposed to respond to me within 90 days of the prior complaint didnt respond to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from XXXX on yesterday and it shows multiple inaccuracies, including the incorrect spelling of my name along with several inaccurate accounts. I have requested multiple reinvestigations and/ or the removal of the inaccurate information. To date, nothing has been sent to verify proof of the investigation and no inaccuracies have been deleted as per 15 U.S. Code 1679c. Now, per 15 U.S.C. 1681, I am requesting the following inaccurate accounts be DELETED Immediately. 

XXXX XXXX XXXX XXXX - Never late, Account in litigation XXXX XXXX XXXX XXXX XXXX XXXX  - Not mine, no knowledge of this account, see Statement attached. It does not state my name or joint information XXXX XXXX XXXX - Never late, Account in litigation Name- XXXX XXXX XXXX XXXX not XXXX. Delete ALL accounts attached to this wrong name that inaccurate, fraudulent, and is not identified as me.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations.

I am making a final XXXX  attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.