23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX I retained a law firm named XXXX XXXX XXXX XXXX XXXX, ( hereinafter referred to as XXXX XXXX ) to help facilitate a loan modification with Citi Mortgage for my homestead property located at XXXX XXXX XXXX XXXX, XXXX FL XXXX, Loan {$0700.00} XXXX XXXX ( since that time my servicer has changed hands twice, from CIti to XXXX to now XXXX XXXX ) And I terminated XXXX XXXX inXX/XX/XXXX. My Complaint to the CFPB is regarding Citi Mortgage and the violation of FCCPA and Fl Stat 559.72 ( 18 ). On XXXX XXXX XXXX sent via certified mail a Cease and Desist Letter directing XXXX to send ANY AND ALL future correspondence to XXXX XXXX. On XXXX XXXX XXXX  also sent certified mail to Citi a Qualified Written Response. Citi Mortgage blatantly IGNORED both of these letters, which DELAYED AND HURT THE LOAN MOD EFFORTS THEREBY CAUSING ME IRREPRABLE HARM AND HURT MY CREDIT. I received OVER 60 letters from Citi after XXXX which by all rights and purposes were supposed to be sent directly to XXXX XXXX, which the CFPB can plainly see delayed and hurt me terribly. By Citi ignoring the C & D, and  the QWR wreaked havoc on my effort to simply just modify my mortgage. Citi repeatedly sent to me OVER 60 letters, of which I have them all, and would be too voluminous to submit to the CFPB with this formal Complaint. On XX/XX/2015 XXXX XXXX   sent a formal Demand Letter to Citi mortgage WHICH ALSO WAS IGNORED. Citi Mortgage 's blatant gross disregard and IN VIOLATION of the FCCPA AND FLORIDA STAT 559.72 ( 18 ) is reckless and hurt me and my credit. These national mortgage services need to be held to a higher standard and be held accountable. By their not adhering to the FCCPA AND APPLICABLE STATUTES HARMED MY CREDIT. I am submitting this complaint to the CFPB as well as sending a formal demand letter for restitution to me from Citi. I have since after much, MUCH effort finally obtained a loan modification for my homestead AFTER EXHAUSTIVE EFFORTS WITH CITI WERE FUTILE AND NOT SUCCESSFUL. I can not stress to the CFPB enough that even with an attorney pursuing a loan mod it was impossible to achieve with Citi ; I finally did obtain a modification with XXXX when they took over servicing my mortgage, which has since changed to a servicer named XXXX XXXX. CITI MORTGAGE BLATANTLY IGNORED the C & D,  the QWR and the Demand Letter. HOW CAN A NATIONAL MORTGAGE SERVICER DO THIS IN GOOD CONCIENCE??? The lowly homeowner WHO THEY ARE SUPPOSED TO BE SERVICING IS JERKED OVER AND HURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure of dates but one was from XX/XX/XXXXone from XXXX through XXXX that i never had or did anything for, also medical bills through the med express when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair XXXX XXXX XXXX XXXX XXXX  my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions 1. XXXX XXXX XXXX XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 2. XXXX XXXX XXXX Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 3. XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX Companies 4. XXXX XXXX XXXXXXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX 5. XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 6. XXXX XXXX  XXXX  XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 7. XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 8. XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 9. XXXX XXXX  Business type Mortgage Companies 10. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 11. XXXX XXXX XXXXXXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX 12. XXXX Personal Loan Companies 13. XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX, Used
Product: Mortgage

I purchased a home in XXXX of XXXX and sold my current home. Once my current home sold I applied the funds received toward my new mortgage in the form of a recast to lower my payment and remove the PMI. My mortgage has been sold and transferred to different servicing agencies more than once. My original loan servicer agreed to remove the PMI and lowered my payment. My loan was transferred to another servicing company and the PMI was still being taken from my escrow account. I called and they agreed to remove the PMI again and lowered my payment. I also sent a letter asking for an investigation into my account for all the hassle it took for me to have this simple process done after calling multiple times without success. They sent a letter stating they received my letter and would look into it. I received another letter asking for more time to investigate. I have been transferred multiple times and have a hard time speaking to a supervisor. I received a letter recently stating my loan was being transferred to another servicing company as of XX/XX/XXXX. I called today and was on the phone for two hours with no success on the refund to my escrow of the PMI that was taken in error. One service agent admitted she saw a note in my account that the escrow was taken in error and was going to be refunded. She said the note was from XXXX but it said that it was in process still. She told me I need to speak with the insurance department. The insurance department said I needed to speak with customer service. I was transferred to customer service and the young man would not listen to me and was talking over me. I asked for a supervisor and she did the same although I am not certain she was actually a supervisor. I asked for a call from a supervisor and she said if the dont call in the next couple days to just call back. It is extremely difficult to get a service agent on the line so this is very frustrating after two hours on the phone with no success. My loan will service will change again as of XX/XX/XXXX and I am afraid I will need to still fight with the new company. My escrow will be short from this error because they lowered the payment twice. One from the old company and one with this company but still took the PMI payments from the escrow. Most agents I talk to are rude and will not help. I ask for a supervisor and am told I will have to wait for a call and if they dont call to call again. Calling and trying to get an agent is almost impossible as the phone system does not work correctly. I am beyond frustrated at this point and need help with this issue.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of several fraudulent accounts listed on my credit report. As a victim of a recent data breach, I am entitled to this action under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following accounts were fraudulently opened in my name and do not belong to me : 1. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$580.00} XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$580.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$11000.00} XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$950.00}
Product: Debt collection

The number has repeatedly called asking for information about a family member. The person would not identify themselves or who they worked for when asked. The calls are not regarding any business of my own, but continue. I had to google the phone number just to find the name Regional Adjustment Bureau , Inc. The most recent call was today, XXXX, at XXXX.
Product: Mortgage

US Bank is not honoring the Cares Act Credit Reporting requirements. I have a XXXX  XXXX hardship and I am in a loan modification program with US Bank for XXXX mortgages ( and another 1 is still in forbearance ). US Bank is not honoring the Cares Act neutral credit reporting requirements in violation of Federal law. US Bank believes that once the initial forbearance period is completed, it can report delinquent information even when I am still in the load modification process and have been making payments pursuant to that process. 

A consumer class action should be brought against US Bank on behalf of consumers like me. US Bank is not above the law and should be penalized for not complying with the CARES Act and damaging consumers credit with bona fide XXXX XXXX hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and/or unfair. The following accounts and inquiries are causing significant financial hardship and emotional distress : XXXX XXXXXXXX Late Payment Account XXXX  XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Inquiries XXXX XXXX Bankruptcy XXXX I understand that some of these accounts may have been delinquent or charged off, but I dispute the accuracy of the reporting and the collection methods used. I also believe that some of the inquiries were made without my knowledge or consent, and may be in violation of consumer protection laws. 
I am emotionally distressed by the impact these items are having on my credit score and my ability to secure loans or obtain housing. I believe that the practices of the companies reporting these items and making unauthorized inquiries are unethical and potentially illegal. 

I request that you investigate these items and take appropriate action to correct or remove any inaccurate information from my credit report. I also request that you take action to prevent these companies from engaging in unfair or illegal collection practices and unauthorized inquiries in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I noted on my credit report that there was an account in collection, placed at IC System, in XXXX XXXX, MN, for a debt related to " XXXX XXXX XXXX ''. 

I called IC System, and they said it was for XXXX XXXX XXXX services at " XXXX XXXX '', in XXXX, TX. I live in XXXX, TX, and have never lived in XXXX, and have never used the XXXX XXXX XXXX service. The representative stated that I would need to go to XXXX, and fill out a police report, and file a fraud complaint. I believe this invalid credit reporting should be removed from my credit report, as this debt is clearly not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

Portfolio Recovery, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, has violated the Federal Trade Commission, Fair Debt Collections Practice Act. 

SS805 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Portfolio Recovery violated my privacy, by sharing debt collection information with my brother, by mail, which I never authorized. My brother is not listed on any of my accounts and is not an authorized user.
Product: Checking or savings account

My accounts with Bank of America total well over their threshold to waive the monthly maintenance fee. On numerous occasions, I have brought the fees to their attention, and they reverse them and assure me the issue is resolved. They then go back to charging the fees, I follow up with the same info, they remove some and state the issue is resolved, and the cycle continues. This last encounter, they reversed only part of the fees that should not have been charged, and stated they would not remove any further fees.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX listed on my XXXX, Experian and XXXX XXXX credit report is a fraudulent and unauthorized account, and dont belong to me. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent and a result of identity theft. I been receiving harassing phone calls at XXXX XXXX  and after XXXX XXXX at work and at home from representatives from XXXX XXXX XXXX for a debt thats fraudulent, the result of identity theft, and that dont belong to me. Representatives from XXXX XXXX XXXX has threatened me with death threats, legal action and prison. XXXX XXXX XXXX is in violation of federal law, The Fair Debt Collection Practices Act ( FDCPA ). Its been a frightening and terrifying experience, the way XXXX XXXX XXXX representatives has been calling my phone harassing me non-stop and on a consistent basis. Im in fear of my life. I have contacted the local media, law enforcement, and my U.S. Senator XXXX XXXX in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A derogatory report was placed on my credit report from a company XXXX XXXX with no account number or any information in amount of XXXX which is not an account that belongs to me. I t is not mine. Tried to dispute on XXXX  but they require account information to include who is reporting and an account number. I do not have thus information How can anyone be allowed to do this and I am asking this be removed from my report and the company that did this to me to include name and their backup do that I can pursue further action Had it not been for XXXX  XXXX I would not have known this do I have to believe they are doing the same type of thing to other unsuspecting people. They need to face consequences for such action I have faith that XXXX XXXX will take care of this and help me resolve it and cause my credit score to go back up where it should be XXXX XXXX  is a great service. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe your organization has committed. It has come to my attention that your bureau has obtained information under false pretenses, in direct violation of 15 USC 1681q. 

Upon reviewing my credit report, I have discovered inaccurate and misleading information that appears to have been obtained under deceptive means. These false pretenses include the following : XXXX XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts It is essential to emphasize that obtaining information under false pretenses is expressly prohibited by the FCRA, which is designed to protect the integrity and accuracy of consumer credit reports. Credit reporting agencies have a responsibility to conduct themselves in an ethical and lawful manner, ensuring that the information reported is obtained legitimately and for appropriate purposes. 

I kindly request that your bureau conduct an immediate investigation into these allegations and takes the necessary actions to rectify the inaccuracies resulting from the information obtained under false pretenses. Furthermore, I expect your organization to implement corrective measures to prevent such violations from occurring in the future. 

As a consumer whose rights have been violated under the FCRA, I reserve the right to pursue legal remedies and report this violation to the appropriate regulatory authorities should your bureau fail to address this matter promptly. 

I appreciate your attention to this matter and expect a prompt resolution. Please acknowledge receipt of this letter and notify me in writing of the actions taken to rectify the inaccuracies and discrepancies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : 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. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security XXXX. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.