23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX and I started a reverse mortgage application with American Advisors Group ( " AAG '' ) in XX/XX/XXXX. I believe the start date was XX/XX/XXXX. It has been over 5 months and I still do not have a reverse mortgage. I have been lied to and led on by this company. When we started this process in XX/XX/XXXX, the agent at AAG told me he would have me closed in XX/XX/XXXX. XX/XX/XXXX came and went with no reverse mortgage. Meanwhile, my present home mortgage company was calling me because I have been unable to make my house payments. 
The agent at AAG told me not to talk to my present home mortgage company. He said we would have this reverse mortgage closed before they could start foreclosure proceedings. Well, I AAG toward the end of XX/XX/XXXX and got some excuse about not closing after the XX/XX/XXXX of the month. So, XX/XX/XXXX came and went. Then in XX/XX/XXXX, AAG had me do sheetrock and painting repairs in my house. The agent at AAG told me to just hang some sheetrock and paint. He said we could get this reverse mortgage done after that. I called the agent the first week of XX/XX/XXXX and he told me we were just days away from closing. About three days after that, they came back with another repair I had to do. I had to put covers over some outlet boxes. The agent told me to take pictures of the repair and send it to him. About 5 days after that, they called me and said they could use my pictures and would have to have the appraiser come out and take pictures, but they finally got around that. Then, the agent called me on XX/XX/XXXX and asked if I could find the phone number for the notary service we had used before. He said that we could close on either the XX/XX/XXXX or the XX/XX/XXXX if I could find the contact info for the notary. I found it and gave it to him. I also gave him a second notary contact information. On XX/XX/XXXX, he told me we would close on XX/XX/XXXX. Well, that did not happen. Now, my present home appraisal expires on XX/XX/XXXX. So, we have to get another appraisal, and who knows how long they will drag this out. XX/XX/XXXX will be 6 months of trying to get this reverse mortgage. I feel I have been lied to and led on.
Product: Debt collection

XXXX XXXX XXXX in XXXX, NV, has allowed my ex-husband and his girlfriend to use an account I opened in XXXX, and I have not used it since XXXX for services in XXXX to treat their pet ( XXXX ). My ex failed to pay the bill ; XXXX XXXX XXXX sent me to Allied Collections in XX/XX/XXXX & my credit was significantly affected. I never authorized any services, nor did I even think I had an active account with XXXX XXXX XXXX since I have not used their services in over a decade. I divorced my ex-husband in XXXX & even had to file XXXX in XXXX due to the divorce. I have worked diligently to regain my high credit score, and now this. I have contacted XXXX XXXX XXXX XXXX Allied Collections to dispute this, offered proof of my divorce & bankruptcy, etc. .. ( Please see attached ), and was told by Allied Collections that " it is not their problem, & to deal with my ex-husband and XXXX XXXX XXXX XXXX '' I have not had contact with my ex-husband in over XXXX ( XXXX ) years, and due to his violent history, I will not have contact with him. XXXX XXXX XXXX refuses to call me back after I have called over a dozen times requesting to speak with their accounts manager to discuss why they haven't updated their files in over a decade, allowed someone to use my name & info for unauthorized services, and refuses to contact Allied Collections to have the collection removed. XXXX XXXX XXXX committed fraud by not updating their records in over ten years, allowing my name and credit to be tarnished & they refuse even to discuss and fix it. The Allied Collections people refuse to speak with me and just demand I pay them off. This is extortion, fraud and I have tried disputing it with the credit bureaus proving I am right with my Divorce Decree dated in XXXX, a police report I filed against XXXX XXXX XXXX for fraud.. etc. XXXX said the collection agency just said it was a legit collection. All my supporting evidence & documentation doesn't mean XXXX because a collection agency that just wants money says it isn't. My credit was at almost XXXX before this, and I have not had one late payment on my credit, and still don't except for this fraudulent collection. Please help.
Product: Bank account or service

XX/XX/2014 Wells Fargo bank offered {$20.00}. To open a credit card account attached to XXXX pay for the iPhone 6 's. As long as you used the card within the specified limited time, you would receive a credit to your account. I purchased some batteries with XXXX Pay within the time frame and looked for the credit. After a month or 2 checking my credit card statement and nothing being credited I contacted Wells Fargo to question what happened to the credit? They said XXXX was responsible for the payment and they were waiting for them before issuing the credit. Nothing was ever credited. Here is a link that describes the XXXX Fargo/XXXX promotion. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed dates, balances and last payments dates which is a violation of FCRA and Metro 2 Compliance. 
I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I proved, causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian inaction violates federal laws and my rights as a consumer.
Product: Credit card or prepaid card

i contacted netspend to file dispute on card and they closed my account completely i cant access any info on line whjen ive called netspend they tell me dispute will be settled by XX/XX/2022 but will not issue a card for my peov isional credit when i called on XX/XX/2022 i spent 2 hours on phone and still not able to access account to see tranactions no card issued and no info giving claim number XXXX AMOUNT XXXX i ask about 10day provisional credit and they keep saying you will get update on XX/XX/2022 when dispute was filled on XX/XX/2022 i just spoke to supervisor who was of no help they are blocking me from viewing transactions online or the phone i cant find out anything attached is XXXX XXXX report of transfers to card ending in XXXX which are all fraud
Product: Credit reporting or other personal consumer reports

After completion of a dispute of information on my consumer report that should not be there due to the fact I the consumer opt out and cease and desist communication with said furnishers, the reinvestigation did not provide any explanation as to why the consumer reporting agency Experian did not process my request. 

I then request for Description of Procedure Used to Determine Accuracy and Completeness of Information as I have a right to do request from said consumer reporting agency in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ( 6 ), and my request to both and agent of Experian and a supervisor named XXXX of the dispute department was refuse and ignored. 

On XX/XX/year> I made said request to said supervisor who identified as XXXX more than 10 times and she refused to acknowledge my request and only told me i can get a copy of my consumer report.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Case # XXXX We are doing a short sale on this property, to which the attorney, Paris and Paris LLP, has attached a judgement on behalf of their client, XXXX. We have called the attorneys office every day for almost 2 weeks with no response whatsoever. We have left no less than nine voicemails, each with our phone number, and have received no callback. 

Is there any way you can have them call us back? We are just trying to have someone at their office reach out to us so we can move forward with the short sale. 

The attorneys contact information is listed as : XXXX XXXX XXXX XXXX XXXX Paris and Paris LLP XXXX XXXX XXXX XXXX XXXX CA XXXX Ph # XXXX Attached is our authorization to speak to the attorney on behalf of the homeowner, and a copy of the judgement. Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} SOC SEC ADMIN OFFICE O XXXX XXXX : {$790.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$7600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I need clarification as to why you are reporting certain information on my report. 
Please review the following : Inquiry Account : XXXX XXXX XX/XX/22 Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. 
After you have completed my request, send me a copy of my credit report reflecting these changes. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

This company REFUSES to let me make principal only payments. After being told several times that once my loan was paid 3-months ahead that all payments would be 100 % applied to principal ; this has not happened. My loan is 3 months ahead and I continue to get the run around on the phone with this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account named XXXX XXXX  compan has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.
Product: Checking or savings account

My name is XXXX XXXX, a natural person/consumer. On XX/XX/2022 I called into Capital One and spoke with an associate by the name of XXXX in reference to the two disputes I have with Capital One. 

XXXX ) XXXX in the amount of {$660.00} XXXX ) XXXX in the amount of {$120.00} The prior representative stated on a recorded line that if the transactions were unauthorized electronic funds transfers as a result of fraud I will need to cancel my current debit card and have a new one issued to me in order to have the funds returned and the case closed out. Per the agent 's request I closed my old card and was sent a new one due to the fraud that has taken place. I informed XXXX that I filed these disputes 72 hours prior to speaking with him and I still have not received my provisional credit pursuant to 15 USC 1693. XXXX stated he would place me on hold while he got to the bottom of the issue. While on hold for 10 minutes XXXX came back to the line and simultaneously I received an email stating my dispute had been denied. I then asked XXXX why was this the case? Also, how was the case reviewed so quickly based off of my call if the charges were over a span of 2 years? XXXX had no clear answers and he was also uneducated in the area of law so I decided to speak with a XXXX. I then spoke with XXXX who was pretty much at the same knowledge level as XXXX as it pertains to the laws that were violated by Capital One to me the consumer. Below are a list of violations that Capital One has damaged me with : 15 USC 1693f ( c ) - Provisional recredit of consumers account 15 USC 1693f ( e ) ( XXXX ) ( XXXX ) - Treble damages 15 USC 1693f ( f ) ( XXXX ) - an unauthorized electronic fund transfer 15 USC 1692h- Multiple Debts 15 USC 1602p- Unauthorized use I advised all of the agents that I have spoken with that this has been completely damaging to me and my family and no one in that company cared to look into the facts to help with the scenario. It seems as though there is a conspiracy to use my identity for fraud and that the company is allowing such to take place on my behalf. I want this matter rectified IMMEDIATELY.
Product: Debt collection

This company Portfolio Recovery has added a debt collection to my credit report. The amount of the collection is {$6500.00}. I contacted this agency via certified mail on XX/XX/XXXX of XXXX  asking for proof that this debt was mine and did not receive any proof that this debt was mine. Acct # XXXX
Product: Student loan

I had re-occurring payments scheduled to be taken out from my account every XXXX of the month. Payments have been continuing to be withdrawn from my account, last payment amount was {$260.00} on XX/XX/XXXX. I received a notification on my credit that I am 60+ days delinquent and now I am unable to do anything with my credit. It appears that my application had never gone through for the renewal of the interest rate reduction plan I was on and the same re-occurring payments from my previous plan were being withdrawn from my account which were no longer covering my minimum balance. I never received a call, letter or email stating this up until yesterday XX/XX/XXXX saying that my account needed attention. It turns out that the rest of the balance for each month had been spilling over to the next month since XX/XX/XXXX! I am outraged and now have no idea what to do. My co-signer is unable to obtain financing on a car now and has no car to drive. I have always been diligent with my payments and anytime I had a rough month I would call to make sure the payments were taken out in time before they would report anything negative. Normally I would receive a call from Navient if something was wrong and when I called today, the rep even admitted fault that they never made one phone call since XX/XX/XXXX. Navient has promised to have this resolved by XX/XX/XXXX, but every time I call they say it is still being worked on. Meanwhile, the payments are still being taken out and not covering the minimum payment because they have not fixed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTIONS ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$1100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

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

I have a employment listing that is not correct and 2 previous addresses that are wrong and 2 accounts that say charge off that are wrong
Product: Debt collection

I ordered a product with free shipping. The shipper XXXX  XXXX tried to collect an additional XXXX from myself after. In XXXX I got a collection Letter from XXXX XXXX XXXX and filed the exact complaint asking for proof I am responsible for shipment. They only send me a document I received the shipment. Now I am in receipt of another collection letter only from Receivable Management Services. The letter I got from them states there was 3 pages but i only got 2, I am asking for validation on the originating documents that I agreed to pay. XXXX XXXX nor XXXX provided them to me. 

I am resubmitting this complaint as you directed it to the wrong company. Complaint number XXXX was incorrectly sent to Receivable Management Inc in XXXX Texas . This complaint is directed to Receivable Management Services-Recovery Division LLC in XXXX, MN who I sent a certified demand too.
Product: Debt collection

Name of account and address reporting to credit bureaus : AXCSSFN/CNGO XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( This address is incorrect and all USPS mail is returned ) AXCSSFN/CNGO is comprised of 2 ( two ) names not accredited via the XXXX  and XXXX no results via the Ohio XXXX. 

1. AXCSSFN Abbreviation for Axcess Financial Services address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX prior business name the XXXX XXXX XXXX XXXX 
2. XXXX Abbreviation for Check N Go address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this business uses several names carefully listed below. 

RELATED BUSINESSES : CNG XXXX XXXX XXXX. 
Allied Cash Advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Check N Go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Axcess Financial / Axcess Financial Services Inc. 
XXXX XXXX XXXX name not registered with the Secretary of State CNG XXXX XXXX Business name not registered with the Secretary of State XXXX XXXX XXXX XXXX Business name not registered with the Secretary of State I have contacted the 3 major credit bureaus in reference to AXCSSFN/CNGO dating back to XX/XX/XXXX and I have not received any useful replies to validate that AXCSSFN/CNGO are holders in due course. During the validation process the debts were transferred several times making it extremely difficult to locate whomever is reporting the debts to the credit bureaus. As carefully listed above. Their accounts were updated on XX/XX/XXXX AXCSSFN/CNGO flagged my credit files with inaccurate/unverified information ; the open date changed. ( See attachments ) Please be advised that AXCSSFN/CNGO are not Holders in Due Course ; no services or goods were received from AXCSSFN/CNGO XXXX and I have not agreed to pay/tender anything to AXCSSFN/CNGO. AXCSSFN/CNGO have not provided any documents or itemized statements VIA MAIL proving I owe any debts to them. 

Proper documentation from AXCSSFN/CNGO was not provided to me to allow AXCSSFN/CNGO to verify the accuracy of the data placed with the credit bureaus as charge-off. ( See attachments ) AXCSSFN/CNGO is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 

I have not provided signed wet-ink releases of my private information to AXCSSFN/CNGO. 
AXCSSFN/CNGO does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. I will reply VIA MAIL and only via mail. AXCSSFN/CNGO reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.
Product: Credit reporting or other personal consumer reports

IMPROPER, INACCURATE, FALSELY REPORTING DEROGATORY ITEMS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I DEMAND THAT THESE DEROGATORY ITEMS ABOVE MENTIONED BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. I AM A VICTIM FROM XXXX, XXXX, EQUIFAX CREDIT BUREAU
Product: Checking or savings account

My business debit card was stolen and I called my bank to report fraud and file a claim. On XX/XX/XXXX I spoke with a representative and a claim was suppose to be filed. On XX/XX/XXXX a credit was on my account for the amount disputed. On XX/XX/XXXX the credit was removed and the claim no longer existed to track. I called and spoke with a representative who was very rude and demanding. I was told that no confirmation email of claim filed would be sent, and that I should hear back within XXXX to XXXX days. I write this complaint asking that this issue be governed for constructive fraud by this company. I have no provisional credit of my funds, or I have no way of tracking a claim.
Product: Mortgage

I inherited my mothers house in XX/XX/XXXX. I lost my job in XX/XX/XXXX and fell behind in the payments. I immediately contacted NewREZ/Shellpoint to try and get a deferment. They had me apply for a modification in XXXX of XXXX after they filed for foreclosure. From XXXX to XXXX I kept emailing my contact person, she kept stating I had to sent updated utility bills and social security card. Then the application was denied with notice, they set a sale date for XX/XX/XXXX, until I filed a complaint with your agency. Now I owe XXXX and they say I can not defer any payments but to apply again for a modification. They currently have another sale date for XX/XX/XXXX. I have sent them the documents they need, asked for a response to let me know documents were received, This company has no intention of helping me. My mother has had this house for 22 years, I will NOT lose it. I have reached out to the State of Delaware  for help, and have talked to a lawyer about bankruptcy. Something needs to be done about these back alley companies who buy loans from bigger companies and add fees and interest without trying to help, but want to sell your home for profit. Please find attached last emails from XXXX and current new emails from XXXX where I was told to reapply.