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

I, XXXX XXXX XXXX, am action on my own behalf and HAVE NOT hired a third party to settle this dispute. This dispute was not done in error. 

Let this be known to all that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done AL TEACHERS can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX  XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
Product: Mortgage

XX/XX/XXXX single family home with one deed and two parcels. sold vacant parcel to private entity through Ditech 's " partial release of lien '' department. Sale closed. 


XX/XX/XXXX ditech escrow dept pays tax payment for vacant parcel XX/XX/XXXX Ditech pays additional {$330.00} on vacant parcel, ( one year in arrear ) XX/XX/XXXX Ditech pays XXXX County {$4600.00} for neighbor 's ( no longer vacant lot ) house and property. Mortgagee advises lender of error in XX/XX/XXXX. 

XX/XX/XXXX Mortgagee receives XX/XX/XXXX escrow analysis with repeated error, showing ditech intends to make two payments to county for each parcel, and advises lender escrow analysis is wrong. She is told they are re-running the analysis.

XX/XX/XXXX Mortgagee receives bill for roughly {$6000.00} for escrow shortage and calls lender. Asks for supervisor. tells the details of which parcel is owned jointly by ditech mortgagee and which parcel was sold. Is told they will investigate. 
XX/XX/XXXX Mortgagee receives check for {$4.00} from ditech with no explanation. Mortgagee is told escrow is correct and she owes {$9200.00} ( escrow for one year is roughly {$4500.00} : current tax bill is {$1700.00} for half the year and {$810.00} of hazard insurance ) The explanation is {$480.00} is scheduled to change.. 
{$1900.00} 12 months = {$770.00} Monthly Escrow. 

XX/XX/XXXX mortgagee calls lender to advise of resolution or legal action after she recieves foreclosure " pre '' letter. She is told by advisor that the county has told Ditech that the refunded to money to the homeowner, but I received no check. 

XX/XX/XXXX mortgagee calls County to find out to whom check was issued. County insists no refund has been given nor has been requested. Mortgagee calls Ditech to give them direct line to county assessors,  name of employee and email address to expedite refund request. Mortgagee asks for phone number and address of legal dept for corporate office. Is given a fax number. when she calls back to get correct phone, is told they dont have a phone number. 
XX/XX/XXXX mortgagee requests cancellation of escrow account, by email, and receives two emails from escrow agent XXXX XXXX that he needs the correct loan number. He is given two emails with a pasted loan account from ditech 's website. 
XX/XX/XXXX Mortgagee calls lender to request to speak to escrow. is told they dont have a phone number. Is told by supervisor Luwanee that ditech has requested a refund for the last two payments made on the parcel that was sold. I believe that they have made another error, because the tax bill is paid for one year in arrear, and they owed a payment through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

My received my first phone call on XX/XX/2019, a voicemail, which I called back to. A customer service rep named XXXX ( possible misspelling ) with Pendleton Capital pre-legal department. She explained I had a XXXX dollar debt with XXXX, to which I asked for a validation of the debt, meaning a copy of a credit card statement, etc. She refused to give me any more information of regarding the debt and immediately hung up on me. I never received any correspondence via email or physical mail from Pendleton Capital regarding the debt. 

I received another phone call on XX/XX/2019 from a XXXX from Pendleton Capital. I, again, asked for the debt to validated to which he became verbally abusive, threatened to take me to court and pay XXXX verse the XXXX hes attempting to collect. I kept repeating for the debt to validated, he said it was against the law to send me anything and the debt was already validated to the company. He refused to send me any information or invoices of the receipts. I asked for it to be emailed to sent via my physical address. He became irate and hung up with me. He called back a few minutes later saying we got disconnected ( we didnt, I was downtown with full bars and I can tell when Im hung up on and when I hit a dead spot ). He again started threatening with my wages being garnished and I would have to pay thousands over the XXXX debt. I repeated constantly for my debt to be validated. He refused to send me anything, but said he would send a demand letter via email. I never received anything. 

On XX/XX/2019, I received another phone call from the same gentleman, XXXX. He again started with the same tactics and said I sent him a bad email address ( I didnt ). I told him all information needs to be mailed to me including information in my request to validate the debt. He said I was not cooperating and hung up. I do not believe they can validate the debt, or else they would have easily just sent me the information to look over. This gentleman was very abrasive, threatening, and he would not let me speak. Again, he refused to send me anything about this debt and when I started to say, you can not call me at this number. He spoke over me and hung up. Please look into this, its ridiculous and I believe a scam.
Product: Credit card or prepaid card

At the beginning of this year, XXXX, I was struggling to make my minimum payments. I entered into a payment plan in XXXX. However, I was able to pay my card down completely in XXXX. When I logged onto my account in XXXX, my account showed a hold. I've contacted the company and they stated that I agreed to a six month payment plan and my account will be on hold until XXXX. I asked them to remove the hold, but they stated they are unable to remove the hold or refund the payment. I was unaware that if I paid my card off, I would not be able to use it. Otherwise, I would not have paid the full balance on the card. Therefore, I paid {$2100.00} and they are not allowing me to use my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of refinancing my VA loan with XXXX XXXX XXXX   which was in the closing process when a credit reporting company ( XXXX XXXX XXXX XXXX reported an incorrect payment record on my Citizens One Bank home mortgage loan. This caused a crash in my FICO credit rating and my refinance application to be rejected. Citizens One bank my current mortgage lender ALSO through a process of malfeasance reports my correct payment record on their web site BUT reported two ( 2 ) monthly payments 30 days late. to XXXX XXXX XXXX  AND all three credit reporting agencies, My account is CURRENT and paid up to date BUT both Citizens One and XXXX XXXX XXXX intentionally misreported my actual payment record, causing 1 ) my refinance loan to be rejected and 2 ) my FICO  credit rating to be REDUCED from XXXX to XXXX. These illegal reports of late payments have caused me great harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account with XXXX XXXX several times. The account remains on my credit report reporting inaccurately. The account was opened in XX/XX/XXXX. However, the company did not report any payments until XX/XX/XXXX when the account was charged off. This is not fair. XXXX XXXX is the original creditor. They can not decide to report the account only when it is charged off. ALL information must be reported. None of my payments from XX/XX/XXXX through XX/XX/XXXX are being reported. Look at the attached document. This is a violation of the Fair Credit Reporting Act.
Product: Debt collection

State Collection Services Inc. ( XXXX ) continues to call my cell phone after i have repeatedly asked them to remove me from their list. They state that for security purposes they need my date of birth and name which I will not give them because they called my phone number and want personal information. After speaking with the representative XXXX & XXXX they both state that they will not remove me from the list because I will not give my date of birth. This is continued HARRASSMENT! I have received a number of calls from this company and continually ask them to remove me and they will not. 

I have never done anything with this company based out of Wisconsin, i am on the other side of the country in XXXX, PA. I asked them to put me on with their supervisor and they put me on hold and hung up leading me to have to go back through another 3 representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looked on my credit report and found inquires that I have no knowledge of. My phone with my banking apps and wallet was lost for some time in early XXXX. Someone returned them in my mailbox a day after so I think these problems are stemming from that situation. I would like to remove the following hard inquires from my transunion 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
Product: Debt collection

I hope this letter brings attention to a pressing matter concerning your recent actions regarding a debt allegedly owed by me. I am writing to address critical issues that require immediate resolution. I have discovered that the collection item associated with an alleged debt : Caine Weiner has been placed on my consumer report without the required written notification. I am emphatically disputing the validity of this debt. This action not only violates the FDCPA but also infringes upon my rights under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Your agency, by engaging in false, misleading misrepresentation, and deceptive means, is not only jeopardizing my financial standing but is also operating in violation of the law. I emphasize that your agency has failed to provide the validation information as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ), yet it has proceeded to report the collection item to a consumer reporting agency. This is a blatant violation of the aforementioned regulation and raises serious concerns about the accuracy and legitimacy of the reported debt. Additionally, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. As of this moment, I am revoking all rights of communication with me via email, text, or calls. All future correspondence must be in writing and sent to my mailing address provided below In accordance with my rights under the FDCPA, I am requesting the following information : 1.Comprehensive debt validation : Please provide detailed documentation outlining the nature of the alleged debt, including the amount owed, the name of the original creditor, and any other pertinent information. 2.Purchase agreement : I request a copy of the purchase agreement between your agency and the original creditor, establishing your legal right to collect on the alleged debt. 3.Proof of licensure and bonding : Kindly provide documentation demonstrating that your agency is licensed and bonded, ensuring compliance with all relevant regulations. I insist that your agency rectify these issues promptly by : 1. Providing the necessary written notice outlining the details of the alleged debt, as required by the FDCPA. 2. Ceasing the inaccurate reporting of the collection item to consumer reporting agencies IMMEDIATELY until proper notification and validation information have been provided, in accordance with 12 CFR 1006.34. Failure to address these matters immediately may lead to further legal actions, as your agency 's actions not only infringe upon my rights but also tarnish my financial reputation. I trust that you will take swift and corrective action to rectify these violations and prevent any additional harm. Thank you for your prompt attention to this matter
Product: Student loan

To Whom It  May  Concern : I am not writing to dispute the accuracy of the way my loan or the payments of the loan have been calculated, rather the appalling results of how the account 100 % benefits the lender and leaving the consumer ( me ) treated extremely unfairly.  Below is  an explanation of why I feel this way.   I finished my school education in   XXXX     and shortly after consolidated my student loans with  Great Lakes Borrower Services.  At that time my balance was {$68000.00} and today ( nearly 12 years later ) my balance is {$76000.00}. You would think I have not made any payments and the result of that is fees Etc. increasing my total loan amount, but that is far from the case.   My first few years out of college I did struggle to find a decent paying job that would allow me to make payments on my account but I did what I could and asked for deferments when I knew I just could not make the payments. I asked for assistance on the loan amount, but none was ever offered nor provided so I would have to defer my payments until I felt I could start paying again. At times I would pay small amounts just to make some sort of payment. Whenever I came into a bit of money I would try and make larger payments to also reduce the loan amount. I finally was able to get on my feet and start working a decent paying steady job and making my payments every single month so here is my main complaint.   I have not paid very close attention to my loan balance since I knew I had to pay on it a while, but recently looked at what I currently owe and I about had a   XXXX   XXXX  . Over the course of my loan I have paid {$31000.00}, but  STILL ow e {$76000.00} on a {$68000.00} loan! Seriously! I did some research on my account and notice that out of the {$31000.00} only {$1700.00} has gone towards my principle! Also, during the time I kept expressing concerns about not working and trying so very hard to pay what I could I was hit with thousands in interest charges! So somehow I have paid bac k ~45 % of my loan, but still owe ~110  % of the loan! How is this even legal?   At this point I am not even sure paying the loan is worth it or even an option since the more I pay the more I owe. I understand the concept of borrowing and paying interest, but the way this whole thing has worked out it seems like this is taking advantage of consumers not only when they are at their worst, but also at their best. At a minimum I would hope that the institution would waive the {$9500.00} of interest charges they hit me with while I was struggling to work and asking for assistance.     I thank you for your time in reviewing my complaint.
Product: Checking or savings account

The Bank of America online bill pay system has always sent out paper checks to payees who are not electronically integrated into their system. About 3 months ago they started debiting my account not when those checks were cashed but instead on the day when the check was expected to be delivered in the mail to the payee. That is, they are debiting my account for checks that have not been presented by the payee for payment. How can they be allowed to do this? I complained to their corporate complaint center in a series of emails from XXXX XXXX to XXXX XXXX. They acknowledged the complaint but provided no justification. I am attaching a .pdf of the email exchange.
Product: Checking or savings account

I bank with Chime and they let someone steal my money i did not authorize them to send a transfer two transfer of XXXX and XXXX and they will not give it back they keep saying i did it and i have sent polie report screen shots and other info. and i need my money
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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*CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. 

Diputes : XX/XX/XXXX XXXX XXXX services XX/XX/XXXX XXXX XXXX services XX/XX/XXXX XXXX XXXX services {$3700.00} Paid on XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$48000.00} Balance updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OXXXX XXXX XXXX XXXX XXXXl made an unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Pull my credit and i did not authorize them to pull. 
XXXXXXXX XXXX XXXX pull my credit on XX/XX/, I did not authorize them to pull. 
XXXX XXXX pulled my credit on XXXX XXXX XXXX. Ive called all the companies listed and was told that they would remove the Inquires, but has not removed the inquiries. 

Also, Theres a XXXX XXXX  account ( opened XXXX XXXX ( amount of the trade {$800.00} ) reporting on my Credit file, that i am not responsible for, i am no longer listed as an authorized user on this account. i have disputed this account for the last 4 months, and this accounts still remains on my credit report. XXXX XXXX  no longer have me listed on this account and has taken me off. Equifax, XXXX, and XXXX  are still reporting this account.