23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection letter from Resurgent Capital Services for a debt owed to XXXX XXXX XXXX. The charge off date was XXXX/XXXX/2003 for {$610.00}. Resurgent is demanding payment in the amount of {$1200.00} for XXXX. I sent RCS a letter explaining that I do not owe this amount due to the statute of limitations, and I believe I made payment on this debt at an earlier time. Their response, received on XXXX XXXX, was that they were still pursuing payment because the information I sent was insufficient.
Product: Credit card or prepaid card

I've had this credit card for almost 10yrs now. I started at {$300.00} XXXX credit limit, over time that limit has increased to {$1900.00}. My credit limit has not been increased over 2yrs. I have perfect payment history and great credit - XXXX credit score. I've tried twice now to get a credit limit increase and was denied. I have two credit cards- one with a $ XXXX limit and the other at $ XXXX limit. I feel this is discrimination because I'm XXXX.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  XXXX Account Number:XXXX  FTC Identity Theft Report : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX Consumer Reporting Agency , XXXX Consumer Reporting Agency , and Transunion Consumer Reporting Agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX on XX/XX/year> under account # XXXX. 


This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries as reported. The aforementioned account and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account and hard inquiries are the result of identity theft and as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ), a telephone company, used my information fraudulently and pulled a hard inquiry on my credit report when I was shopping for their products. 
This was reported on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2019, I enrolled for ACH withdrawal of my mortgage payment on XXXX XXXX online account center and there were no errors shown. So I thought everything was setup correctly and so forgot about it. 

On XX/XX/2019, we found a letter on front porch of our house indicating that we were late on mortgage payments. I was surprised at seeing that and immediately logged into my account, and first thing I I did was to clear the pending balance on the account and then started investigating what happened. 

As I looked online at all the documents that they mailed, I did see that they did mail a notice to my home address about an issue with my ACH setup. But when looked at the address closely, I noticed that the mailing address was incorrect. The street address was correct but it had a different city and zip code. I was very sure that at one point I was receiving my statements from them, so when I looked at the old statements online, they had the correct mailing address until XX/XX/2019 but starting with XX/XX/2019 statement, they had incorrect address. I never contacted them to change the address and they changed my personal information without my consent. 

Due to unauthorized change of mailing address, I never received any notifications of incorrect ACH setup or about late payments. I now have a " 30 Day Late Payment '' remark on my credit report that has adversely impacting my credit score and will continue to impact for the next seven year. Had I know that there was an issue with my ACH  setup, I would have taken care of it immediately and resolved the issue before it went to past due status. All this for the mistake that the bank did on their part by changing the mailing address without my authorization. 

I tried to dispute this with the bank and the credit reporting agencies with no success. I kindly request you to please help me resolve this issue.
Product: Debt collection

Hello, I took the time to contact IQ DATA INTERNATIONAL at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX on XX/XX/XXXX via a debt verification letter in the mail. It is XX/XX/XXXX, and I had not received correspondence. I called them today, XX/XX/XXXX to see if they had sent a letter in the mail with the debt verification. They indeed proved that they did not. The representative I spoke to was very rude and started screaming and talking over me about a letter in XXXX. I explained to her that whatever debt she is alleging happened in XXXX has nothing to do with when I asked for debt verification in XX/XX/XXXX. I then let them know that not responding to a debt verification letter will prompt me to contact the CFPB. She continued to talk over me, got extremely upset because I kept referring to the debt as " alleged '' until they prove it via verification letter, and eventually hung up. I have a recording of this call.
Product: Mortgage

My monthly mortgage is {$1000.00} due on the first of each month. The loan is an FHA loan serviced through Amerihome Mortgage. We have been unable to pay the mortgage payment that was due XXXX due to financial hardships related to COVID 19. I did research on the HUD website and found that forbearance options are available to everyone who is experiencing a hardship if they have a federally backed loan up to 180 days through the CARES Act. I called Amerihome yesterday afternoon and was told that my husband and I would not quality for this federal government assistance because we are currently in a chapter XXXX bankruptcy repayment plan. I have done a lot of research and have not found any information that states that this would disqualify us for the forbearance assistance. I was told by the person on the phone that I don't need to worry and that I should just let my mortgage get even further behind if I need to because they are not aggressively pursuing foreclosures. I do not want to do that. I want to get help now before things escalate further, and I believe it is our right to get his assistance. Please help me. This seems so wrong and I feel targeted because I am trying to do the right things with my finances during this challenging time.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness which means it is income and must be removed. I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness. Per the IRS income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following late payments are billing errors pursuant to 15 USC 1666b
Product: Credit card

I've consistently made timely payments on this account, ensuring they're never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Consumer Loan

Santander Consumer USA financed my vehicle and when I became unable to pay, due to medical XXXX and XXXX, they agreed to work with me upon my return to work. However, while they took my payments, they ultimately repossessed the vehicle. I did not hear anything from them, even after I called repeatedly about reinstating my loan to keep my vehicle. XXXX months later, I received a letter that they sold the vehicle for {$3000.00} and I had a balance of {$15000.00} to pay. I never receive notice that they were going to repossess the vehicle despite my payments, nor did I receive notification that the vehicle was being sold and how could they sell it for such a low amount, leaving me with such a high balance. Given that Santander Consumer USA, has been named and settled in several predatory lending practices, including fraudulent fees and improper repossession, I would like to file a complaint and ask that consumers be protected for this company. ( https : //www.justice.gov/usao-ndtx/pr/justice-department-reaches-settlement-santander-consumer-usa-resolve-allegations. ) I am now fighting to get this removed from my credit, so it appears they are not only hurting consumers financially, but also stopping them for recovering by reporting their fraudulent acts as truth on their credit reports.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8400.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX XXXX has violated my rights. 
15 usc 1681 section 602 A states I have a right to privacy.

Equifax as well has violated my rights as an consumer 15 usc 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account on a consumer report without the consumers consent.
Product: Credit card

On XXXX, I submitted an application in a consumer creditor transaction ( XXXX XXXX  XXXX XXXX XXXX for a Bank of America business credit card . A few hours later I received an email stating my application wasnt approved. I then called the underwriter/credit analysis department and asked why wasnt my application approved? The underwriter responded that there was some XXXX  determining factors for denying me. I then replied that those factors werent reasonable enough to not approve my application. And that, Im the original creditor extending credit in this transaction, so how is it possible I can be denied credit? I gave Bank of America the application for an exchange of credit and they never gave me anything in return!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 credit bureaus a few months ago and requested that the incorrect information be removed from my credit report immediately but they never removed the items
Product: Mortgage

i had a VA loan with Wells Fargo bank i became sick and filled XXXX XXXXXXXX however i was to keep my house i tried on numerous times to talk to wells Fargo to see if anything could be down to save my house they refused to help me in any way. my mortgage was taken out in XXXX and the house was foreclosed on in XXXX with knowing that foreclosure was imminent i started to move my belongings to a rental house, Wells Fargo changed the locks and locked me out of my house before i was able to remove all my property, then they did a short sale on my property without it ever going on the market. I felt I had nowhere to turn for help in this tell i seen the class action suit i am reaching out to you to see if i might be able to be included into the suit. I am XXXX XXXX XXXXXXXX and have been sence that time my contact info is XXXX XXXX my current address is XXXX XXXX XXXX XXXX XXXX Al. XXXX phone XXXX the property that was foreclosed on is XXXX XXXX XXXX XXXX Alabama thank you for any help in this matter
Product: Mortgage

Loan on mortgage in XXXX was supposed to be turned in as paid when mortgage was refinanced in XXXX but mortgage company failed to report that mortgage in XXXX is paid they still have a open mortgage from XXXX reporting on my property also mortgage company reported information in XXXX on property when that in which was reported is not true according to mortgage in XXXX
Product: Mortgage

Loan # XXXX Property Address : XXXX XXXX XXXX, # XXXX, XXXX, MD XXXX This is a sequel to Complaint XXXX. 

On XXXX XXXX, XXXX, I called Wells Fargo to make a payment, as I did in XXXX. They refused to take my payment. I sent Wells Fargo a Fax, which is attached herewith, asserting reprisal, making rules along the way to frustrate me and facilitate foreclosure by their attorneys. When I called XXXX XXXX repeatedly to me that I was behind by XXXX payments but I kept reminding that I called to make a payment, as I did the month before. She raised she would not take my payment because of the delinquency. I asked her why did Wells Fargo take my payment last month in spite of the alleged delinquency. She told me that a restriction was placed on my account. I asked why was the restriction placed but was not given any answer. I requested for her supervisor XXXX who confirmed that they would not take my payment. I advised that I will file a complaint with CFPB. 

The Fax I sent to XXXX states, in pertinent part, " I want the record to reflect that I called today to make my monthly payment of {$660.00}, as I did last month, but was told by XXXX XXXX and her supervisor XXXX that my payment would not be accepted because of a restriction placed on my account. I advised them that I will file a Complaint with the Consumer Financial Protection Bureau on the grounds that this is a reprisal and that XXXX is making rules along the way to frustrate me. XXXX minute Wells Fargo claims that payment was not made, next minute it accepts a payment and the next time around it refuses to accept payment. That is madness. This is history repeating itself. '' This is important because it establishes a pattern and practice by Wells Fargo. My original complaint alleges that I disputed the loan but reached agreement with Wells Fargo to be making payments to avoid them hurting my credit while XXXX researched my assertion. Wells Fargo began taking payments and suddenly stopped, referred the matter to a lawyer for foreclosure. I asked them why did XXXX stop taking payments and opt for foreclosure. I did n't get an answer in XXXX until XXXX Wells Fargo fabricated some falsehoods. Just the same way, Wells Fargo stopped taking payment. I do n't what lies Wells Fargo and its employee will tell you now. 

My loan balance went from {$8800.00} on XXXX/XXXX/XXXX to {$62000.00}. See attachment. I need explanation and a breakdown. 

I want a hearing and a complaint filed against Wells Fargo.
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 Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number: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.
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 trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$430.00} XXXX - XXXX - XX/XX/XXXX - {$7300.00} XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$420.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES REFUSES TO SEND ME ONFORMATION TO VALIDATE A DEBT THE CLAIM THAT I OWE. I BEGAN CONTACTING THIS COMPNAY ON XX/XX/XXXX AND REQUESTED A VALIDATION OF DEBT ... AFTER NOT RECEIVING IT I CONTACTED THEM AGAIN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND THE LAST TIME WAS XX/XX/XXXX. APPARENTLY THIS COMPANY HAS A " LITIGATION ' DEPARTMENT AND I WAS TRANSFERRED TO THIS DEPARTMENT AND SPOKE WITH SOME LADY BY THE NAME OF XXXX XXXX. SHE HAD NO IDEA WHAT A DEBT VALIDATION WAS SO THEN I WAS TRANSFERRED TO SOME LADY NAMED " XXXX '' SHE WAS NASTY WITH A FLIP MOUTH AND ONCE AGAIN SHE HAD NO IDEA WHAT A DEBT VALIDATION IS. SO AFTER BEING TRANSFERED TOABOUT 4 PEOPLE I REFUSED TO TALK TO ANYMORE AND DECIDED TO SEND A SECOND DEBT VALIDATION REQUEST THO THIS COMPANY. A FEW MINUTES LATER I GET A EMAIL TELLING ME THAT PORTFOLIO RECOVERY HAS ADDED THIS ALLEGED ACCOUNT TO MY CREDIT REPORTS. WITHOUT VALIDATING THE LLEGED ACCOUNT WITH ME. FURTHERMORE THE ACCOUNT HAS BEEN IN WHAT THEY CLAIMED WAS A " DISPUTE '' PROCESS FOR THE LONGEST. THIS CLLECTION AGENCY HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AS WELL AS THE FAIR DEB COLLECTION PRATICES ACT. WHEN YOU CONTACT THEM NONE OF THEM ARE EDUCATED ENOUGH IN DEBT COLLECTING TO KNOW WHAT DEBT VALIDATION IS. EVERY PEACE OF PAPER THEY SENT ME SAYS AT THE BOTTOM " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IT IS NOT AN ATTEMPT TO COLLECT A DEBT. THEY NEVER SEND ME ANY STATEMENTS OR A CONTRACT OR ANYTHING THAAT SHOWS THAT I AM RESPONSIBLE FOR THIS ALLEGED DEBT. BUT THEY PULLED THE " SILENT TREATMENT '' BY ADDING IT TO MY CREDIT REPORTS. YET THEY HAVE OT VALIDATED THIS ALLEGED DEBT WITH ME. I HAVE BEEN ASKING FOR THIS INFORMATION SINCE XX/XX/XXXX AND THYE STILL HAVE NOT PROVIDED THE INFORMATION. FUTHERMORE THEY HAVE ADDED THEIR OWN COMMENTS TO MY CREDIT REPORT CLAIMING THE DID AN FCRA INVESTIGATION BUT I HAVE NOT SEEN THAT INVESTIGATION INFORMATION EITHER. AFTER TALKING TO ONE OF THE REPS FROM THE CREDIT BUREAU SHE CONFIRMED THAT THEY DID INDEED ADD THE COMMENT WHEN THEY REPORTED IT TO THE CREDIT BUREAU. NO INVESTIGATION WAS DONE!!! THEY WERE ASKED FOR A VALIDATION AND THEY HAVE NOT PROVIDED THE INFORMATION THT WAS ASKED OF THEM. IT 'S A VIOLATION TO SILENTLY ADD UNVALIDATED AND INACCURATE INFORMATION TO A CONSUMERS CREDIT FILE. ONE WOULD THINK THAT THEY KNOW THE FDCPA LAWS AS WELL AS THE FCRA LAWS.
Product: Mortgage

I am writing to file a complaint against Rocket Mortgage and their agent, XXXX XXXX. My experience with Rocket Mortgage and XXXX XXXX has been extremely disappointing and frustrating. 

I had applied for a mortgage through Rocket Mortgage, and XXXX XXXX was assigned as my agent. However, the loan approval process was delayed for XXXX months despite providing all the necessary documents. During this time, XXXX XXXX did not provide me with clear and timely updates on the status of my application, which caused a lot of stress and uncertainty for me. 

Furthermore, when I tried to reach out to XXXX XXXX for assistance, he was unresponsive and unhelpful. I felt like I was not being treated with the respect and professionalism that I deserved as a customer of Rocket Mortgage. 

As a result of these issues, I am now filing a complaint against Rocket Mortgage and XXXX XXXX. I believe that their lack of communication and poor customer service has caused me significant inconvenience and frustration. 

I urge Rocket Mortgage to take immediate steps to address these issues and improve their customer service. I also request that XXXX XXXX be held accountable for his poor performance and lack of professionalism. 

Thank you for your attention to this matter.
Product: Debt collection

I received a letter dated XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The letter stated I owe {XXXX}. I sent a letter certified mail asking for validation of the debt and never received a response. I have proof of the letter I sent by me. I see an index number was purchased in XXXX XXXX of XXXX County by the firm on XX/XX/19. I have not been served with the suit yet but, I believe I should have received validation of this debt before any further collection efforts were initiated. I can further details upon request.