23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Servicer received a notice of request of debt validation on multiple occasions. Company issued a response that they will respond with the information requested ; Mortgage servicer failed to produce the request information for validation.

Servicer failed to produce the original note. They have violated several laws and regulations : *Federal Laws : * 1. *Truth in Lending Act ( TILA ) * : 12 CFR 1026.3 ( c ) - Requires lenders to provide evidence of ownership.

2. *Real Estate Settlement Procedures Act ( RESPA ) * : 12 CFR 1024.21 - Mandates lenders provide documentation upon request.

3. *Uniform Commercial Code ( UCC ) * : Article 3 - Governs negotiable instruments, including mortgage notes.

*State Laws : * 1. *Uniform Securities Act* : Requires lenders to maintain accurate records.

2. *State-specific mortgage laws* : ( e.g., California 's SB 1137 , Florida 's HB 919 ).

*Regulatory Violations : * 1. *Consumer Financial Protection Bureau ( CFPB ) * : Mortgage Servicing Rules ( 12 CFR 1024.38 ) 2. *Federal Reserve System* : Regulation Z ( 12 CFR 226.3 ) *Potential Violations : * 1. Failure to provide documentation ( TILA, RESPA ) 3. Failure to maintain accurate records ( Uniform Securities Act ) 4. Unfair or deceptive practices ( CFPB, Federal Trade Commission ) *Consequences : * 1. Fines and penalties 2. Lawsuits and settlements 3. Regulatory action 4. Damage to reputation *Remedies : * 1. Permanent Injunctive relief 2. Damages 3. Rescission of loan 4. Dismissal of foreclosure *Important Cases : * 1. *Carpenter v. Longan* ( 2009 ) - Established requirement for lenders to produce original note.

2. *Harrington v. MERS* ( 2011 ) - Held that failure to produce note can void foreclosure.

*Resources : * 1. National Consumer Law Center ( NCLC ) 2. Consumer Financial Protection Bureau ( CFPB ) 3. Federal Trade Commission ( FTC ) 4. Local real estate attorneys
Product: Credit card

Rocket Mortgage paid off Balances of my outstanding debts, I took the check the cut to my Local PNC branch in XXXX XXXX, Ohio. BTW XXXX XXXX lives here XXXX his name!! The was to be paid off yesterday I went to that same Branch to have password problems resolved only find out they had not paid off the XXXX card but had hit charged me with Late fees!!! I had not received a statement since it was " paid off. '' During this time my password locked, and I could not reset it!! FRAUD!!!!!! CRIMINAL!!!! XXXX XXXX office will be notified!!!
Product: Credit reporting or other personal consumer reports

I have a account/ student loan on my credit report for the amount of XXXX from a school XXXX XXXX XXXX XXXX 2021 and the school closed down and I never received and certification or degree from the school and I am trying to get this debt removed from my credit report. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX I am asking can this debt please be removed
Product: Student loan

MY LOANS HAVE BEEN IN FOREBEARANCE OR DEFERMENTS FOR A VERY LONG TIME. THEY ARE REPORTING ON MY CREDIT REPORT AS LATE. I AM ASKING FOR THEM TO MOVE ALL THE LATE PAYMENTS
Product: Credit card or prepaid card

I purchased a flight to XXXX from XXXX in XXXX but due to covid had to cancel early XXXX. I am pregnant, my doctor advised me that travel was very unsafe for me. We also had record breaking covid cases and hospitalizations. As a result, I asked the airline to cancel on XX/XX/XXXX via email. XXXX refused to cancel/give a refund, so I instead contacted my credit card company American Express on XXXX and filed a dispute. American Express has refused my refund as of XX/XX/XXXX. I resubmitted the dispute and was still denied. I did not receive the service, I could not receive the service due to the orders of my doctor and they are not refunding me for my flight. I have also reported XXXX to the Department of Travel but I am looking to report American Express for not refunding my ticket on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is depicting a XXXX, charged off account with what I believe to be inaccurate information in the payment history.The account is saying the date of first delinquency was XXXX.I believe this to be entirely incorrect because my financial implosion was much earlier.I think the XXXX days late began at least 6 months earlier or more because perhaps it was forgiven maybe because ... .. I am a military veteran with an account that was good for seven years which might have seemed to help at the time but does not help now. 
So the inaccurate payment history with the inaccurate date of first delinquency should cause this account to be removed from my EQUIFAX FILE right now.
Product: Debt collection

Pinnacle Recovery, a collection agency called my place of business and left a detailed message regarding my debt. When I returned the call and complained that it was a violation of federal law to call one 's place of business, the gentleman denied it. I then asked for their business ' address so I could submit a complaint about them and he refused to give me the business ' address. He then said he would only provide the address if I paid the debt. I refused to pay the debt and that is where we currently stand.
Product: Debt collection

To Whom It May Concern, I am filing a complaint against XXXX XXXX XXXX XXXX XXXX and National Credit Systems , Inc. regarding a fraudulent debt that has been incorrectly assigned to me. 

I have never lived in Texas, visited Texas, signed a lease, or cosigned a lease for anyone in Texas. Despite this, XXXX XXXX XXXX XXXX XXXX and National Credit Systems , Inc. have reported a debt under my name that is entirely false. 

I have contacted them multiple times, specifically on XX/XX/year>, XX/XX/year>, and XX/XX/year>, requesting validation of this debt, including documentation proving my responsibility. They have failed to provide any proof that this debt belongs to me, nor have they removed it from my credit report. 

This incorrect debt has severely impacted my credit score and financial opportunities. In XX/XX/year>, I was given a higher interest rate on a vehicle loan due to this erroneous collection account. 

I am 100 % certain this debt is not mine, and I request immediate removal from my credit report. I ask the Consumer Financial Protection Bureau to intervene and ensure this matter is resolved promptly. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My Checking Account and XXXX Account were wrongfully Charges and Closed without explanation. Nor did I get the chance to fix any issues at hand. I had over {$500.00} in my XXXX Account and XXXX in my Checking. They were all charged and put into the Negative which resulted in my account being closed. I never did go over in my bank nor did I close it. I was never given an explanation or a chance to fix the issue. I been having problems ever since. I just want my money back that was wrongfully took from me.
Product: Debt collection

This debt is false. Firstly, I do not live in the US. While in America, I had to go to the ER to have something checked out, I have FULL insurance coverage for everything. I provided ALL of my insurance details to everyone I had contact with at the hospital, and afterwards when contacted. I did the same for my insurance company, and confirmed by all parties that all was taken care of. 

Now, almost a year later this company, whom I've had zero contact with, at all. Filed a negative mark on my permanent credit history. This is completely unacceptable, and an illegal action.
Product: Debt collection

This company has repeated called me over and over from different numbers. I spoke to a representative on XX/XX/XXXX and informed her please do not contact unless it is by mail. The company called again repeatedly on XX/XX/XXXX and I told them I would be contacting the government in reference to their constant badgering and also not proving the debt. The name of the company is Sequium Asset Solutions
Product: Checking or savings account

Date:XX/XX/2018 Amount:XXXXHKD Action : purchasing contact lens from XXXX, and then received damaged item. Not willing to refund me, after contacting PayPal, they can only send refund if I pay for the returning shipping which is half of the price of the contact lends that I bought. So that means I only receive partial refund by paying for the sellers fault. The PayPals buyer protection actually protecting the seller!! Trying to dispute this charge from my bank account, but it seemed to late since I wasted my time on communicating with PayPal! Lesson learned!
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX MO XXXX. Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Product: Debt collection

Please be apprised that XXXX XXXX XXXX XXXX Comenity Bank XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Product: Credit card or prepaid card

For a while, I frequently received visa prepaid cards from XXXX XXXX XXXX ( XXXX, N.C. ) to refund overpayments due to overbilling. These cards were hard to activate and I was never successful for at least one. I contacted the medical office and they referred me to the issuing bank ( XXXX or b of a, I thank ). The bank was unable to help me in some cases. 

I assume these prepaid cards are used for the convenience of the healthcare system and that they likely expire at some point, generating revenue for the practice as well as the bank. These parties also benefit by forcing me to create some account to activate and check the balance in the cards. It is grossly unfair to put me through so much when I paid by check as billed. I should not have to activate these cards or I should be paid by check. 

The cards were issued to either XXXX XXXX or XXXX XXXX. Our middle initials are XXXX and XXXX, respectively. Its likely be 18 months or more since we had the flood of these cards.
Product: Consumer Loan

We made arrangements to pay the account current and I was told by the agent XXXX that we were not late in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX and because we had filed a grievance before with the CFPB they have retaliated against me and not only said we owed for XX/XX/XXXX but also show late for XX/XX/XXXX on my credit as well and wont remove it. They keep saying its not late and it doesnt show late in their computer but on my credit report it does.
Product: Credit card

I believe the account is invalid. WESTLAKE PM needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.WESTLAKE PM XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2200.00}
Product: Debt collection

To whom it may concern, I have no more choice but to report it here. I want to make a complaint against Portfolio Recovery Associates and their act of abuse.

As far as I know, under the Fair Debt Collection Practices Act, 15USC 1692 g, Sec 809 ( a ) and ( b ), Debts collections should not contact people after they were told to " Please cease and desist all calls and contact with me immediately ''.

I believe it was one of the complaint here or in another site complaint. 

In addition, almost every month, they take control of all my credit reports ( XXXX, XXXX and XXXX ) by updating the balance and status which is hurting my credit scores ( Please see the attached ) when I have never contacted them so they are not authorize to update this information without my authorization or consent. 

In addition, they are not the original creditor and the date of the account was opened back in almost 7 years ( not on XXXX ) and this account is schedule by all credit reports to close by XX/XX/XXXX or schedule to be delete it by XX/XX/XXXX. 

This is a violation! 

I am including also letters PRA sent me after request to cease and desist that they still sending this letters to me. 

According to the FDCPA the court must award you not less than {$1000.00} in statutory damages for each violation.
Product: Bank account or service

A certified brokerage inheritance check for XXXX was deposited on XXXX XXXX of this month, 2015. I was given a receipt and told the verification period typically took 24 hours, and if issues arrived I would be notified. 2 days later with no funds and no notifications, I decided to contact Wells Fargo and XXXX XXXX to see into the problems. XXXX XXXX confirmed the funds were withdrawn by Wells Fargo by XXXX XXXX. Wells Fargo has on three separate communications told me that : 1 ) They were still waiting on XXXX XXXX to confirm the funds. 2 ) That the check had been returned. 3 ) That the check had to be verified still. They have told me that my funds would be available on XXXX XXXX, which is abnormally long. They have also refused to make any portion available earlier, despite what I understand to be conflicting legalities of deposits over {$5000.00}. Customer Service complaints aside, I find their practice unfair and unreasonable and request a third party 's assistance on the matter.
Product: Vehicle loan or lease

XX/XX/XXXX, WestLake Portfolio MGM Date Opened, account {$12000.00} this company put this on my credit report I never had any loan through them I recently had a car loan under another company which was closed out and wipe off my credit because I co signed dont have any knowledge of this company. I contacted the credit bureau and did a dispute XX/XX/XXXX and the same day they just updated the information they didnt do a full investigation to see if this what debt I owe.
Product: Debt collection

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from XXXX 
The fraudulent items are circled and listed here : XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from annualcreditreport.com. The fraudulent items are circled. 
A copy of my Identity Theft Victims Complaint and Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity and proof of my address. 
Confirmation of fraud alert. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theXXXX within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert
Product: Checking or savings account

I will not stop making complaints until my money is returned. The laughable investigation process that Wells Fargo takes does nothing for their customers. No matter what you say no matter how you go about getting your money back that is rightfully yours they just send you to the next person and the next person and the next person with no results with no real answers with no explanation. What I am requesting is that they show me how they got in contact with the merchants and what proof did the merchants show that I received goods or services for the money that was charged. I have been battling Wells Fargo for over 7 months to get my money back. When my information was stolen they were able to get into multiple of my accounts XXXX and XXXX XXXX have refunded me my money Wells Fargo will not respond back with anything but their reasoning which is none. They refuse to accept the fact that I did not authorize nor make the transactions. Therefore if I made these transactions I want them to show me what I received for the money that the merchants charged my card for. The response I got from the claims department was that I need to get a hold of the merchant and deal with it myself and I have explained to them on so many occasions I can not even count that I can not get a hold of any single Merchant that charged my card that I am disputing the charges I can not find them on XXXX I can not find them anywhere I don't know how to get a hold of these Merchants because I don't know who they are. Wells Fargo should be investigating their charge back or unauthorized transactions thoroughly and if they were doing so then they would be able to recognize and see that no Goods or services were exchanged therefore I am owed my money back I will keep complaining to the Consumer Financial Protection Bureau as well as the FDIC my State Attorney General and any other company that I possibly can because of their disgusting business practices. All you see is story after story after Story of Wells Fargo denying claims no real evidence or proof given and them just sending you to the next person to the next person so that you give up and the greedy corporate corrupt giant that they are continues to gain revenue on customers that they are supposed to protect.
Product: Vehicle loan or lease

I, XXXX XXXX, entered into a consumer credit transaction with EXETER FINANCE LLC on XXXX I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605. EXETER FINANCE LLC then took my credit and got a loan and begin to violate 15 USC 1692e because they falsely represent the status of debt. EXETER FINANCE LLC received a Cease & Desist on XX/XX/XXXX and continued to communicate directly and indirectly after that date violating 15 USC 1692c ( c ). EXETER FINANCE LLC is violated 15 USC 1605a finance charge does not include charges of a type payable in comparable cash transaction.

EXETER FINANCE LLC also violated 15 USC 1692f ( 6 ) when they to non judicial action and dispossession the property on XX/XX/XXXX.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX Vin # XXXX I have refinanced my vehicle with chase bank i have not been able to get DMV tags since XX/XX/2017. DMV is not clear who is a the lean holder on the title is. I have called chase bank many times and send them all the required documents but they have not able to help me to get my vehicle registered since XX/XX/2017. This vehicle was for my big family to travel and enjoy but it has been a headache since I refinanced with chase. I been making every monthly payment for this vehicle but have not been able to drive it.