23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX XXXX XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX Balance : {$360.00}
Product: Mortgage

My mortgage, XXXX, was resold by Lenderlive to what appears to be another Lenderlive company under XXXX XXXX XXXX. With that change I had to create a new user ID and PW to their online site, I have lost all history of my previous account and there is little to no supporting information for my loan. On top of that I received a check in the mail for {$280.00} on XXXX XXXX, 2016 indicating I had an overage for my escrow. I know there have been NO measurable changes to my property taxes, home owners insurance nor have I received any info on my PMI changing. Since I did n't think I had an overage I did n't want to cash the check. I logged into my online account view and I noticed my XXXX payment has increased by {$130.00} a month. I have received NO INFORMATION on why my payment increased. I called and was told someone did an escrow analysis and that " must be why '' but no one could give me details. How could I get an overage check but my payment go up? I have also asked for information in writing which I have not received. I can not see any escrow details online, I ca n't see what they used for my escrow analysis and I was told " we have a right to take a 2 month escrow cushion so we must be collecting on that ''. I have had my mortgage open for over 3 year with an escrow account that has not changed. How could they now call due 2 full months of escrow payments out of no where. Doing business as Lenderlive, but under a XXXX name should n't allow Lenderlive to collect more money from me. I have NEVER missed a payment and in fact I pay extra to principle every month. Now I am told I owe {$1500.00} MORE to my escrow when there was no change to any of the taxes or insurance I owe. I have asked for information in writing which I have received none and I have sent a letter via 'contact us ' within my online account access and I have not had any response in over a week. I would expect to get detailed information on my escrow account, I expect my payment NOT to change unless I owe more to my insurance or taxes ( which would n't change that much ) and I would expect to have my details available within my online account access. All of my information is up to date in my account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to JEFFERSON CAPITAL SYSTEMS XXXX I am requesting debt validation. I am requesting the purchase agreement between JEFFERSON CAPITAL SYSTEMS and the original creditor XXXX. I am requesting proof that JEFFERSON CAPITAL SYSTEMS Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. 
2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of JEFFERSON CAPITAL SYSTEMS communicating with me through email/text/calls. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased an XXXX XXXX through the following link : XXXX XXXX XXXX Citizens One approved me for a line of credit in the amount of {$2500.00}. I received a confirmation from XXXX which is the retailer XXXX is getting their products from. Below is my confirmation email ( I have attached it to the file uploads ). 

My confirmation states that my order # is XXXX. This purchase was made on XX/XX/2021 in the amount of XXXX! It also states that the item would be arriving on XX/XX/2021. However, the item has not arrived. 

This is happening to hundreds of us. Please see the following forum : XXXX XXXX XXXX? XXXX We have all been attempting to contact XXXX, XXXX, and Citizens One. They all can not track our orders, have charged us, and will not provide us with any further information on the items we paid for.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. These items are not transactions conducted by me as a consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They sent me a letter that displayed their company name on the front window instead of just their address and po box so that anyone who looked at it would know it was from a collection agency.
Product: Mortgage

I have been having a problem with the bank that holds my mortgage. Since XX/XX/XXXX, they have consistently mis-applied my mortgage payments. The bank ( TRUIST ) has had trouble explaing their system that allows for multiple acct numbers for the same loan. In XXXX of XXXX, I was informed by the XXXX  that they would be paying my mortgage for the next 18 months. I have documentation. Florida says they have paid TRUIST on the first of each month since XX/XX/XXXX. On XX/XX/XXXX, TRUIST reported me to the credit agencies as being 60 days delinquent on my mortgage payment. The next day, my XXXX score dropped XXXX points. I have made repeated attempts to resolve this, to no avail. At this time, my balance is approx {$9200.00}. 
I have had credit cards cancelled and credit lines dropped overnight. My wife and I take ONE vacation per year ( I am XXXX ). We use the cards to finance meals etc that we would never do under normal circumstances. Now our XXXX vacation is in serious jeopardy. When I spoke to TRUIST, they suggested that I contact all my CC companies and check on status. Their lack of interest has destroyed our vacation for this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$330.00} XXXX XXXX XXXX {$1700.00} XXXX   XXXX {$19000.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX is reporting late payments of the car loan. I have called and discussed with them the late payments reported. Payment arrangements which would not cause payments to be reported late, however, the company still reported it late. I have try to file disputes with the company and the creditors. 

The company reported late payments on XX/XX/XXXX and 2 times on XX/XX/XXXX. 

This has cause significant hardship, and the communication has not be helpful at all with customer service. I am reporting a complaint as they gave me false information and did not honor a payment arrangement as discussed. In addition, I was never informed this company does not offer re-financing options.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX PRESENTED A FREE CHECKING ACCOUNT AT MY JOB. I OPENED THE CHECKING ACCOUNT BUT DAYS LATER I REALIZED THEY CHECKED MY CREDIT WITHOUT MY PERMISSION. I DID NOT APPLY FOR ANY LOAN NOR DID I APPLIED FOR ANY CREDIT. THIS WAS IMPROPER USE OF MY SOCIAL SECURITY IN ATTEMPT TO OFFER OTHER BANKING PRODUCTS. THIS IS AN IDENTITY THEFT ATTEMPTS AS XXXX XXXX XXXX XXXX NOT HAVE PERMISSION TO CHECK MY CREDIT. ACCORDING TO MANY REVIEWS I AM NOT THE ONLY VICTIM OF THIS ACT BY THIS COMPANY. PLEASE BEWARE
Product: Debt collection

This seems to be a XXXX XXXX XXXX Scam got via email. 
XXXX Ace Cash Express Payday Loan Good morning This is Attorney XXXX XXXX calling from The XXXX Law Firm, XXXX TX billing department. 
We are emailing you concerning an overdue bill. 
Case # XXXX Your Billing amount of {$740.00} Contact at : mailto : XXXX I have a bill here for your name the unpaid loaned amount of {$740.00} is currently 180 days past due. I know its easy to forget about bills, but Id hate to see this go on your credit report with the legal charges below via courthouse. 
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Our policy is to send bills more than 180 days overdue to a collection agency, but if you can take care of this right now, we wont need to do that. I realize thats a large sum. But Id still like to work with you to avoid this being on your credit report. 
We can offer to split that into a one-time case settlement payment of {$540.00} and close this case today, or 3 Biweekly payments of {$250.00} each until the loan amount of {$740.00} is paid off. 
If you can make the first payment right now, I can set your account up so that its no longer delinquent. 
Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 
Note : This is your last and final chance to settle this case. 
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2-3 working days. Kindly hire an attorney. 
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. 
Kindly let us know what type of payment arrangement ; you are looking for at mailto : XXXX Regards, ACE Cash Express, Authorized. 
Copyright 2019 ACE Legal Group of Attorneys | Privacy | Terms of use | Carrier
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I GOT A E-MAIL FROM CARRINGTON MORTGAGE SERVICES ON SAT XX/XX/XXXX STATING MY ESCROW ANALYSIS WAS REDY TO VEIW ON THERE WEBSITE AND I LOG AND ITS NO WHERE TO BE FOUND AND THEY NEVER CALLED ME TO LET ME NOW IF MY ESCROW WAS GETTING DOWN BELOW A CERTIAN POINT AND NOW THEY RAISED MY PAYMENTS UP WHEN XXXX HAD MY MORTGAGE THEY CONTACTED ME TO LET ME NOW IF MY ESCROW WAS DOWN BELOW A CERTAIN AMOUNT AND THEN I WOULD SEND YHEM THE DIFFERENCE TO KEEP MY PAYSMENTS DOWN.
Product: Checking or savings account

Hello my name is XXXX XXXX my ss # is XXXX my dob is XX/XX/XXXX and I've been a Citibank customer for many years with no problems. Then on Tuesday XX/XX/XXXX I purchased items from someone that totaled XXXX us dollars she told me to send her the money through XXXX because she had a business account with them, and on my Citibank app I saw that I had XXXX also as a form of sending money to someone so I proceeded with the transaction but was only allowed to send XXXX dollars per day as my limit so on XX/XX/XXXX through XX/XX/XXXX I sent this person XXXX each day totaling XXXX in return she sent me a confirmation from XXXX stating that if I did not receive my items in 7 days I would be refunded in full from XXXX, After that this person who claimed she was a woman named XXXX XXXX confirmed she received the money and that she was sending out my items the next day with usps with insurance and tracking information and she stayed in touch with me the whole time. The next day she sent me the confirmation from usps that it has shipped and will arrive the next day which was Saturday XX/XX/XXXX I have all the pictures she sent me and all the messages she wrote to me. I kept checking for a tracking update because she kept saying they are gon na send me a tracking number once it departs via email, I started getting suspicious because in her messages I was catching her in lies, so I called my Citibank right away and in a panic cryed to them that I think I was scammed into sending this money and Citibank told me not to worry that I would be protected if these transactions are indeed fraudulent and I was told to wait until the day my items were promised and that if I wasn't updated with tracking of my itemsor didn't recive them as promised I would be protected that phone call took place on XX/XX/XXXX with Citibank which they said was being recorded, so I waited till Saturday the XX/XX/XXXX and never heard or received anything in mail and this person stopped responding to me and I called Citibank once again crying and pleading to them for help where again they told me not to worry I would be protected and they would help me so I put a claim in with them and 10 days later they sent me a letter stating that they can not help me with this claim and I should try to resolve this with the recipient who of course I have no idea who this person is and the person does nit respond to me because they robbed me! please help me please.my phone number is XXXX I live in XXXX XXXX XXXX ny XXXX my account number with Citibank is XXXX please help me I am XXXX years old and this is my only money please help me
Product: Bank account or service

I had XXXX in Fraud so I closed my XXXX XXXX XXXX Account and they did n't close it and put the new Account in the Robbers name sending the robbers XXXX ATM Cards stole XXXX from me the bank and Judge say its impossible two comprehend. 

XXXX Bank denied me a new Account because i did not have a id card i purchased and opened a XXXX Account With XXXX and XXXX XXXX i ca n't get Verified two get a master card i need two travel. So i sent XXXX XXXX dollars two open new account and copy of ID and they respond already canceled then chat said apply agin then Chat say call them I do n't have a Phone I 'm XXXX. 

At Wells Fargo i always pay my Credit Card with Cash and i walked in and paid XXXX dollars and asked if i had Auto Pay and they said yes and i did not because it showed a closed account. 
I filed a fraud report that the bank teller robed me telling me i had Auto Pay and then Every Time i walk into the Bank a manager has two verify me so Every time i go into Wells Fargo the manager comes and Verify Me. 
Fore 3 months i ca n't get Verified with Pay Pall i have tried many times. 

A bank worker can send themselves all my Money then there lawyers only say its Impossible two Comprehend then almost no other bank will give me a new card
Product: Checking or savings account

XX/XX/2020,,, Contiued,, Issues That Was Not Finished Yet,,, My Feelings About These Issues Is Not Over Yet, This A Very Heart Felt Exprience That Took Place Old And New,, Yes I Stll Feel Overwhelmed About These Matters,, Now I Have Been Very Patience With These Matters,, About Still, No Response,, But Letters If This Bank Really Wanted To Take Care Of These Issues,, Move Forward And Do Something about,, These Matters Quickly,,, In Order To Move Pass Old Hurt,, Is To Fix The New Beginning,, Yes,, Do I See Them Trying To Fix This Mess,, No!!!,, Very Slow,,!!!,, I Would Appriecated If They Stop Senting Me Letters Of Lies, After Lies,, So UnAcceptable,, Start By Sending The ( TRUTH )!!!
Product: Debt collection

So this situation isn't them calling me. It's me trying to get ahold of anyone at the Lakeview facility so I can pay my withstanding amount of mortgage debt.

I've been trying for weeks. Setting up " call backs '' early in the morning and never receiving a call. There's no one to email for information on how to pay in full. You can't pay in full online, not to mention it seems as if I've been locked out of my account since the last time I called, Not sure as to why.

I did stay on line for an obnoxious amount of time to get ahold of a representative and when I did, we got as far as answering all the security questions, then I was disconnected. This has happened more than once in the past.

They did reach out 1 time and left a message after letting the phone ring for about 4 seconds.

I don't mind paying the debt in full, but I need to get ahold of someone or have someone call me, and perhaps leave a call back number that isn't going to take an hour to get situated.

I wouldn't usually complain, but it really shouldn't be this hard for someone to pay their mortgage let alone this hard for a " debt collector '' to collect what's owed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX  XXXX XXXX 5. XXXX XXXX As required by 15 U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus continue to show an unverified public record on my credit file despite numerous letters and disputes being filed. All 3 credit bureaus have informed me that they are getting the public record information from XXXX XXXX. I have disputed the public record in question with XXXX XXXX and they have deleted that item from my file. A letter confirming that has been sent to the credit bureaus along with a letter of dispute dated XX/XX/2020. 

So far, XXXX and XXXX continue to claim this information is verified when their verifier, XXXX XXXX has in fact deleted this item. 

XXXX has not even replied.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$2500.00} Fraud Account does not belong to me Elan Financial service {$4400.00} Fraud Account does not belong to me XXXX XXXX XXXX XXXX {$21000.00} Fraud Account does not belong to me XXXX XXXX XXXX XXXX {$13000.00} Fraud Account does not belong to me XXXX XXXX {$1600.00} Fraud Account does not belong to me XXXX XXXX XXXX {$12000.00} Fraud Account does not belong to me
Product: Debt collection

Company called my daughter on Wednesday XX/XX/XXXX from the number XXXX and told her to tell me it was about an account that I had and that if I didnt call them they were going to sue me. They called my ex-husband and left a message on his phone. I called them to try to pay something but realized it could be a scam and asked for my loan documents so I could make arrangements and they would not give them to me. They called my daughter again today XX/XX/2023 and told her that they knew where she lived to come look for me. They called her from XXXX
Product: Credit reporting or other personal consumer reports

Paid off this loan in full in XXXX and Equifax will not remove it from my report after two disputes. Other credit bureaus have correctly removed it.
Product: Debt collection

Resurgent Capital Services has sent me over ten emails and mail stating that i owe them and i dont even know who this company is. I sent them a cease and desist asking them to vaidate the debt pursuant to 15 USC 1692g.