23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They were contacted and told of my XXXX. I am in the process of submitting paperwork yet they call incessantly. Ive reminded them multiple times that I have a deferment and my daughter that the loan was for has all her loans in deferment and that Im working on the application for forbearance. I have also specifically asked them to stop calling and threatened contacting you and the attorney general. I receive at last 3 calls a day, most before XXXX or around XXXX. Today I received one at XXXX on the nose. My daughter picked up and told them she used to work for compliance for debt collections and that calling that early and late, that incessantly and after they were told to stop is illegal and that we would be contacting you she was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Equifax I am facing identity theft I am asking that you guys can please help me. As of right now I am not aware of who's responsible for my report being messed up. I have over XXXX inquires I never authorized and collections. I am asking that you guys help me remove all of these inquires and collection and to help update me on what's the next step of blocking this from happening again.
Product: Credit card or prepaid card

. I am a U.S. XXXX, married to a XXXX  XXXX and resident in XXXX XXXX for the last 21 years. I receive my Social Security XXXX benefit which is paid into a Direct Express debit Card. My issue is as follows : My card, into which I receive my Social Security payments, expired on XX/XX/XXXX. Since then, I have been trying to obtain a new card without success. The postal service in XXXX XXXX is abysmal, so to date it has not arrived, 7 months later. Therefore, I urgently need the card to be expedited via courier to my residential address. 
I am XXXX, have XXXX XXXX and unable to easily make my way to a phone. in order to call the Direct Express offices, however I have been able on two occasions, on XX/XX/XXXX and on XX/XX/XXXX to make contact with Direct Express in order to try to obtain a new Direct Express card. However, they seem either unwilling or unable to finalise this. I have sent them copies of various documents to verify my ID and I did receive a case number, XXXX, although their reply states : Dear XXXX / XXXX XXXX XXXX XXXX XXXX We have received your ID submission and at this time we are unable to determine the validation of your account. Please step into the Social Security office for further assistance. 

Thank you for being a valued cardholder.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX {$280.00} XXXX 2.XXXX XXXX {$310.00} XXXX
Product: Debt collection

I filed a complaint 2 weeks ago. Stated I never received a letter within the 5 days of initial contact like federal law states. After the company received my complaint they then sent me a letter of my debt, approximately 4 months after the initial call. I have received 17 accounts they claim are owed. 13 of those 17 are not my debt. They are not under my name. Furthermore I still have not received a statement describing my right to dispute the debt. Federal law states they must send me this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and 2017 Early Warning Systems, a proverbial boil on one 's arm pit, continued to lie and make false pretenses via this United States federal government portal that it had indeed found I was a victim of identity theft and under the FACTA AMENDMENTS it would freeze or place a 7 year alert. Well that's rich I received word, because these fraudsters who have my SSN repeatedly attempt to open accounts, from XXXX XXXX who I have not applied nor solicited, the application was online so says the bank and further the Ip address and device fingerprint is not mine, but most troubling was not that it was denied, that should have absolutely happened as I have not asked Early Warning nor XXXX XXXX or XXXX XXXX to unfreeze rather it was denied because Early Warning Did allow the dissemination of my report to the bank and it contained the same fraudulent information it has now sworn it had deleted, but again like the festering XXXX it is Early Warning continues to cause irreparable harm and violate my rights under the FACTA AMENDMENTS to the FCRA and state law. They also engaged in unfair and deceptive acts that are so numerous it doesn't even shock me anymore. I demand this be investigated and corrected this is my final warning!
Product: Mortgage

The mortgage servicer is Mortgage Solutions Financial, XXXX XXXX XXXX, XXXX XXXX, CT XXXX, XXXX. 

My husband passed away recently, and the mortgage company issued an escrow refund of over {$600.00} in the form of a check written out to my husband 's estate and to me. There will be no probate process due to the small size of the estate, and my bank will not allow me to deposit the check. 

On XX/XX/XXXX, I informed the mortgage processor, and they said that they could only reissue the check. I then asked if they could instead apply the money to the principal, and they said yes, by XX/XX/XXXX, they would do so. 

On XX/XX/XXXX, the escrow refund had not been applied to my principal balance, and I called the mortgage company back. They then indicated that they were refusing to apply the escrow refund to the principal balance, and to call back on or after XX/XX/XXXX for confirmation. 

I called back on XX/XX/XXXX, and the mortgage company again promised to apply the escrow refund to the principal balance and assured me that this request would be processed by XX/XX/XXXX. I told them that I had already been assured that this would happen in the past ( by XX/XX/XXXX ) and that they THEMSELVES had refused to do it, so this was in inadequate solution. 

XXXX indicated that I could not speak with a supervisor, but I insisted and waited over an hour to speak with a supervisor. While I was waiting, XXXX suggested that I write a letter via USPS to their XXXX XXXX XXXX department in XXXX, Arizona, and I told her that was an unacceptable solution because they are fully capable of doing a proper escalation over the phone and furthermore I live in a remote location in XXXX XXXX where correspondence will not necessarily reach me. 

I still maintain a joint XXXX XXXX  account that was opened with the deceased, and Mortgage Solutions Financial of XXXX XXXX could easily send the mortgage escrow refund to this account or apply the money to my principal. Worse, Mortgage Solutions Financial knows that my property is under offer and that I will close on XX/XX/XXXX. 

I then spoke with the supervisor XXXX who said that Mortgage Solutions Financial will not apply the mortgage escrow refund to the principal and is legally required to send me a check. I informed him that mortgage servicers have the option to send the money via electronic means because other servicers do that. He also proposed that I send them my husband 's death certificate, which I already did, so that was not useful advice. Mortgage Solutions Financial is refusing to send the money via wire transfer. 

So far, their solutions do nothing but prolong the delivery of MY OWN money to me. The company knows that it eventually has to deliver the money to me yet seems to want to draw this process out and involve the small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid off in full still showing as not.
Product: Vehicle loan or lease

Hello there, on XXXX I purchased a newXXXX XXXX XXXX  XXXX from XXXX XXXX Dealer. The XXXX was not what the Dealer told me. This electric XXXX take more time to charge then I was told, and it not giving XXXX XXXX  for charge, it doesnt work for service company that is on the road all day. We returned back after 2 days, on XXXX. The dealer refuse to return the money, they told me I have a loan with Ally bank that cant be cancelled. The only option is to take another vehicle. I chose a XXXX XXXXXXXXXXXX XXXX XXXX and they told me it will be with the same Ally bank but from7 % wil change to 9 % and is what the bank decide not us. After one month I want to pay the loan. Ally bank doesnt have any information about the XXXX XXXX, they have my first loan for XXXX XXXX. Ally bank sent me a letter that the XXXX XXXX XXXX financing was never approved. Ally want me to pay for The XXXX that I dont have. Ally told me to call the Dealer and inform them about this situation, they never responded to me or called back. I sent another email to the Dealer, I am still waiting. I have the XXXX XXXX XXXX that never was sold to me. Please help me with this problem, I really dont know what is the next step. Thank you
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2022.
Product: Mortgage

Harmon Law PC attorney XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX has published for a second time XXXX XXXX newspaper ILLEGAL foreclosure advertisement see attached ad dated XX/XX/XXXX containing wrongful/false information showing that the FDIC has standing to illegally take my home into this illegal foreclosure, much false information causing PUBLIC Deformation of Character, Slander and Banking Fraud being that it's client XXXX claims to have standing via the FDIC when in fact in addition to the counterfitted and forged documents shown in Federal court Docket # XXXX also showing XXXX XXXX on this account ( XXXX ) see attached. I am being severly abused with this Publically advertised information AUCTION AD for this ILLEGAL foreclosure..I will be seeking damages as well as sanctioning ( BBO ) of this attorney directed by this criminal client XXXX XXXX XXXX XXXX XXXX . see all attachments!! 

PUBLIC DEFORMATION OF CHARACTER AND SLANDER AS WELL AS BANKING FRAUD!!!
Product: Mortgage

I submitted a request for a payoff statement from my current mortgage company ( Seterus ) on XXXX XXXX. I am refinancing my home I have submitted many request as did the bank that I am refinancing with, We sent both email and faxed requests and I called and spoke to one of the managers but they do n't seem to want to cooperate.I 'm told when I ask that they are backed up sending faxes and emails. This is causing me a significant financial burden. 
When Seterus took over iur mortgage from XXXX we were in Chapter XXXX ( our mortgage was not included ) Seterus rated our loan incorrectly and that needs to be corrected as well. They insist that does n't make a difference but the bank we are refinancing through disagrees.
Product: Debt collection

I am disputing the collection account being reported by Harris & Harris Ltd. I requested full validation of the debt, including a copy of the original utility account agreement, itemized charges, and proof of ownership or legal transfer. They failed to provide proper validation or documentation within the required timeframe under the Fair Debt Collection Practices Act ( FDCPA ). 

This collection is related to a XXXX XXXX XXXX XXXX XXXX, but I never agreed to a debt with Harris & Harris Ltd, and they have not proven the debt is accurate or legally owed. Reporting this account without proper validation violates both FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this collection be removed from all credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this inquiries several times, they are fraudulent and weren't authorized by me and I want them removed. Below is a list of inquiries 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 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 XXXX XXXX EXPERIAN 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 EXPERIAN 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: Credit card or prepaid card

I received a credit card that I did not apply for, according to the credit card company I applied on XX/XX/XXXX and received it XX/XX/XXXX. 

I did not apply for a credit card with in the last two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have sent dispute letters to XXXX, Transunion and XXXX  to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX. 

2. Round 2 was sent in XX/XX/XXXX. 

3. Round 3 was sent in XX/XX/XXXX. 

4. Round 4 was sent in XX/XX/XXXX. 

I have charge offs remaining on each credit report from XXXX, Transunion and XXXX  for XXXX  XXXX XXXX, XXXX XXXX XXXX  and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for a point of sale interest free financing program at XXXX XXXX XXXX on XX/XX/2024 and was told that if I paid in full in 90 days that I would receive interest free financing. I then submitted my payments as required every 2 weeks with large payoff payments every 30 days leaving up to my final large payoff payment on XX/XX/2024. I had 1 remaining bi weekly payment pending to go thru on XX/XX/2024 which would represent the final payment on my account. Acima decided on their own to defraud me and rather than take my payoff payment and then process my final payment, they took my payoff payment and applied it as a prepayment of future bi weekly payments. Due to their fraudulent application of payments, the final payment that was slated to go thru on XX/XX/2024 was deducted from the fraudulent " pre-payment '' and then my account rolled forward thru my 90 payment window. This is further shown to be fraudulent because the payment my previous payoff payment was not shown as pre-paid and actually when thru. It was only when my account was close to being paid off in time and they could use my next payment to push me past my deadline, that they moved it to pre-paid. 

As such I have reached out to Acima to remedy the situation and they have told me have no choice now other than to pay their predatory interest amount. Their business plans seems to lure people in, bait and switch them and hide all their taxes and fees to make it so the consumer can not properly tell what they are supposed to pay, and then when they do pay properly, they do everything they can to try and rig their system to kick you past their deadlines. Then when you call in to remedy or fix the situation they hold firm while threatening to report things to your credit profile. Then they try to hard close you on the debt you don't owe but offering you to pay 65 % of the remaining balance on your account. Their entire business model is predicated on extortion and fraud. I have paid off my original over XXXX XXXX XXXX  and now due to their scam they are claiming I owe them an addition {$4700.00}. Stay far away from this company.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Yes credit collection service in the amount of {$130.00} for shelter insurance company I had a 6 month car insurance policy and it ended in XXXX or XXXX saying I owe this amount when our contract was up so I dont feel I owe this amount since insurance contract was expired never had insurance company send to a collection agency and I never knew of these charges
Product: Mortgage

Beginning XX/XX/2022 I began to make half my mortgage payments every 2 weeks on my pay day. The amount was {$940.00} every two weeks. Then in XXXX I received notices that my mortgage was overdue. I call and find out that my payments were not allocated to my mortgage and were placed in principal only. I called XX/XX/XXXX and complained and was told that they would reallocate the payments to my XXXX and XXXX mortgages. A couple weeks later I receive an alert from XXXX that NewRez reported my mortgage payment as 30days late!. I call NewRez and was told that I was up to date and they don't know what happened but that I should email a request for my that delinquent report to be removed. Then I see on my payment history that my XXXX payment was not paid even though I called on XX/XX/XXXX and allowed {$940.00} to be reallocated from Unapplied Payment to my XXXX mortgage and then authorized an additional {$940.00} so that I would be paid for my XXXX mortgage, conf # XXXX. Then I look again on XX/XX/XXXX and find that the associate on XX/XX/XXXX had put through for {$1800.00}! Not {$40.00} like I asked. So payment did not go through and NO ONE emailed or called me to alert me. I again requested {$940.00} to be put into my XXXX mortgage so I would be up to date confirmation # XXXX. 
I was trying to be a responsible client and make my mortgage payments early and this company ends up reporting me to the credit bureaus and tanking my good credit! I keep asking them to reverse their reporting. I've requested through the phone AND email and I ve received no adequate response. Ii am a responsible homeowner and I should NOT be treated this way. Theu customer service is terrible!
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNT : XXXX XXXX XXXX XXXX : XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I provided XXXX  with some concerns about some company flagging my account and receiving reports of my credit history that was not provided by me. I talk to a rep she advised me to put a freeze on my account. But this freeze never took place. Because when I checked companies are still obtaining information from my credit report. And I called XXXX  2 years ago about this concern.