23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carrington Mortgage has requested numerous documents over and over again at one point they claim they have every document to complete a loss mitigation package. 
Either you get a request for the same documents or something that you sent to them months ago. 
One explanation for denial of the loan modification was the loan had exceeded the numbers of modifications by the investor. 
Another explanation was that he did not have enough income,15 full loss mitigation packages have been submitted to Carrington Mortgage and they have requested at least 30 other documents to go with the package. 
Representatives call Mr. XXXX requesting more and more documents they even advise him to send documents that they did not request. 
For example : one agent called him and asked for documents that were submitted at least three times before and Mr. XXXX received a proposed social security benefit letter for a sum of money. He followed the advise and then they tried to verify the benefit he does not have it yet because he is not old enough to receive it. They had an auction date scheduled for his home and they just played a game with him and then told him that the sale date was too close and he did not have a completed package so the sale could not be stopped. 
Carrington rejected his 4506T because he did not have XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missouri XXXX - XXXX They never gave him that information before. 
He spoke to XXXX, XXXX to name a few. They pass the call from one to five people on each call. Mr. XXXX wants to save his home! Please help him
Product: Checking or savings account

I had sent my rent money to my godmother it was XXXX but it was not letting me send it so I sent XXXX and XXXX. The first one was sent and then the second one sent but for some reason the money wasn't sent to her bank account. I had only realized because she asked me if I had sent her the rest of the money because it had just sent me a message saying that the money was sent and was confident that the money was sent. I ended up going to visit my closest branch in hopes that they would be able to assist me with what happened. The bank teller was unfortunately able to help me, and I had even brought my godmother in case she needed to show proof that the money was not in her account. The exact dates are a little vague because I did think that this money was just lost and I could not do anything about it, but it was in late XXXX XXXX of XXXX. Till this date they ever were able to assist me with anything and I just counted that money as lost money.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ] and followed up on [ XX/XX/year> ]. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 
Warning of Legal Action If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago our mortgage was purchased by Carrington Mortgage. Since then we've had nothing but trouble. We got a few payments behind and caught up only to have them keep charging us strange fees to " keep us in the hole. '' As of now, they are showing that the last payment made was in XX/XX/2019, which shows on my credit report as 30-59 days late, which is dragging my score down. I have made both XXXX and XXXX XXXX payment but Carrington refuses to update that information. I have a print out from Carrington 's own site showing those payments were made as well as statements from my bank showing those payments were made. I have read through hundreds of complaints online about the same things happening to other people. This company needs to be investigated and shut down. In the meantime, I simply want my payment information reported accurately. This company will find anyway to keep collecting more money from you or to ruin your ability to refinance with another company.
Product: Debt collection

The company collections is impacting my credit. 
A dispute was done in XXXX, XX/XX/XXXX {$510.00} Midland funding LLC XX/XX/XXXX ( 3 yrs, 9 mos )
Product: Debt collection

I recently checked my credit report and noticed a fraudulent unauthorized charge on my account reporting from GENERAL CREDIT SERVICES XXXX, IN XXXX. They claim to report it from a doctor service however, when I contacted the original merchant they have no knowledge of this account or the creditor services and I do not owe this debt that is reporting to my personal credit report.
Product: Credit card

I was on autopay for minimum amount due on the 6th of every month. They stated the autopay was cancelled but still showing active on my account. They didnt run my payment as agreed to and charged me a late fee due to their mistake. When I reviewed my account on the 11th I made payments and let them know of the issue. They stated I cancelled the payment but I am still on autopay. If a payment is cancelled the autopay should be as well. However, that is not how they operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND FUNDING LLC  XXXX   XXXX   XXXX   XX/XX/XXXX  Open {$1500.00} Account Details Last Reported  XX/XX/XXXX   Collection Agency  MIDLAND FUNDING LLC Original Creditor  01    XXXX   XXXX   Status Open Opened Date  XX/XX/XXXX  Closed Date -- Responsibility Individual Balance {$1500.00} High Balance {$1500.00} Remarks Placed for collection Creditor Contact Details MIDLAND FUNDING LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with  XXXX , please wait for your prior dispute request to be processed or contact  XXXX  directly.   See the details here
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXXXXXX XXXX XXXX loan was refinanced by XXXX XXXX. XXXX XXXX sent XXXXXXXX XXXX XXXX a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX  finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.
Product: Debt collection

In XXXX, XXXX, I lost my job. I was able to obtained a new job 2 weeks later but a decrease salary of XXXX. I entered all my creditors into a debt consolidation/repayment program called XXXX XXXX XXXX XXXX in XX/XX/XXXX, Capital One was one of the creditors. 
Capital One was offered a settlement but they never responded to the programs request nor did I receive any response or documentation from them since XX/XX/XXXX. Then on XX/XX/XXXX at XXXX, I receive a summons for court by the Sheriff. 

The Attorney Capital One obtained, XXXX XXXX XXXX XXXX XXXX has not done their due diligence either. I never notification from them in attempt to collect a debt.
Product: Mortgage

I did a 6 month forbearance and have set up a payment plan, that took weeks to do with Loancare because no one knows what they are doing and different information is provided with each call. Now I am trying to refinance my loan with another lender, to rid any affiliation with XXXX/Loancare, and they are reporting I am behind in payments though I paid {$5000.00} in XXXX and {$8700.00} in XXXX. The payment plan was supposed to be {$4600.00} ( double payments ) for 6 months. I have paid far more than required according to the payment plan but they are holding extra money paid in a " suspense account '' until the forbearance is completely caught up instead of applying to the funds directly to a payment or paying the current months payment. They are also holding our property taxes in an " escrow overdraft account '' and the property taxes are paid through our escrow and was not supposed to be held separately. I have been unable to close on the refinance because of the information Loancare is reporting to the credit bureau and because they are showing my account as delinquent and behind in payments.
Product: Credit reporting or other personal consumer reports

XXXX ALLOWED BRIDGECREST CREDIT C, AND XXXX XXXX  I TO REPORT THIS ITEM ON MY CREDIT WHICH IS NOT IN FACT MY MINE. I NEVER HAD A CAR LOAN WIHT BRIDGECREST CREDIT C. I WOULD ASSUME IT IS IMPOSSIBLE TO HAVE THIS ON MY CREDIT WHEN IT IS NOT MINE. THIS ERROR IS ILLEGAL AND UNETHICAL. XXXX FAILED TO AN INESTIGATION. XXXX FAILED TO PERFORM An INVESTIGATION. THOSE ACCOUNTS HAS BEEN DAMAGING TO ME. REMOVE BOTH ACCOUNTS IMMEDIATELY. I CALLED XXXX THE REPERSENTIVE CONFIRMED THAT THE ADDRESS IT WAS UNDER IS NOT MY ADDRESS SHE STATED THAT IT WILL IN FACT BE UPDATED ITS NOT UPDATED
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX BANK XXXX XXXX XXXX
Product: Debt collection

My debt is with XXXX, before canceling my policy because i bought a new car i called geico and informed them if i transfer over my current plant to the new vehicle till the contract termination ( one month after ) will i be charged more than my normal rate, representative clearly stated you will not unless you continue to be with us for a new policy for my new car, sweet ... but now collections is harrassing me for roughly {$630.00} which would have been my new payment if i styed with geico. I do not understand this one bit it is not right to ruin peoples lives like this for their own mistake i would have cancelled before buying my new car if they had told me i will be charged a new premium for the one month i had left oh and that month was pid for 4 days before my new purchase.
Product: Debt collection

I requested a warranty service call from XXXX XXXX XXXX XXXX XXXX XXXX in California. They performed the service on XX/XX/XXXX for {$75.00}. The service was satisfied in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX engaged A.R.M. Solutions Inc ( collection company ) to collect the debt for them. I have called XXXX XXXX XXXX XXXX multiple times and have informed me that they show in their records that the amount owed is paid but A.R.M. Solutions Inc continues sending harassing letters to collect on the amount that has already paid. 

Here is their contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX A.R.M. Solutions Inc XXXX XXXX XXXX XXXX CA XXXX
Product: Credit card or prepaid card

VICTORIA SECRET CARD COMMENITY BANK- i was on a harrdship plan where I was paying {$15.00} a month and 3 payments in I was told i defaulted and owed the whole amount. They didnt credit me for payments I had made in store correctly and wouldnt reinstate or fix that issue which caused them to close cars acct, terminate hardship plan and ruin my credit.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for just a reason that my money sent to me is from gambling, fraud or anything as they said and they hold my money for 180 days, which is for me is not reasonable. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX I am from the XXXX and most of my friends are also have the same issue of getting hard their money. Paypal seems to bully us for just a small amount of hard-earned money. Covid is still here and Paypal also add to our problem. Thank you and Stay Safe.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/2022 at approximately XXXX, I was given a wrong phone number to transfer funds through XXXX XXXXXXXX XXXX  through my Bank debit card account. The person received the money and refused to refund it. The wrong I send the money is XXXX. The denied my request and block my phone. My bank said, they can't doing anything to help me, even though I used the debit card and account to complete the transaction. XXXX XXXXXXXX XXXX company is defrauding millions of hard working Americans with help of the Banking institutions. I reported it to the banking fraud department, but to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name : XXXXXXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX XXXX Closed on XX/XX/XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

I currently live in XXXX and we were hit with a hurricane last year. This caused the mail to be delayed and unfortunately I became late on a credit card. The amount due was minimal and I was in no financial hardship. I couldve made the payment with ease. I just didnt receive my statement and by the time I received a late notice, I was too late. I had already been hit with a late payment. Its the first in my life time and I am XXXX years of age. 100 % of my accounts have always been on time and this dropped my credit score substantially. I disputed the late payment on XXXX in XXXX with no positive avail. I recently attempted again and the findings were the same. No attempts were made on my behalf to dispute the reasoning.
Product: Debt collection

They reported an amount to my credit report when I contacted the original debtor they give me a much lesser amount & still I settled with this company ( PHOENIX RECOVERY GROUP ) and they agree to removed all info and notations on all credit bureaus after 45 days after i paid em what they told me but they didnt remove it, I call em and she said ( XXXX XXXX rep ) maybe is gon na take longer you should pay the rest ( we agree on a settlement ) now they told the credit bureaus the info on my reports are right even tho I have the proof where they agree to remove it after I paid em the amount we agree I all send so many emails they dont reply back no more i think this is unfair i did what they told me and they didn't live upto what they offer even XXXX XXXX approved my letter stating my account will be deleted but no they just took my money and didnt deliver they promises
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX TransUnion XXXX XXXX XXXX, PA XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by TransUnion. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt.

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.