23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i was with the XXXX over quite some time but nothing was happening and was getting foreclosure notices. I was stupid and stopped with XXXX due to their cost was {$3000.00} if had stayed with them i might not have to move? 
Again stupidly i went back to Wells Fargo and they had kept on sending me to foreclosure then another one and then another one. 
I think i told you previously that i was to court due to notice from Wells Fargo but did not make it as i fell getting out after finally got a parking space and a couple wanted to take me to hospital but came home. 
I did get some more paper work sent by another specialist XXXX XXXX a few days ago and was going to library to make copies. Library is closed today and 1/2 day tomorrow due to windchill temperatures of 33 below, I am going to try to find a rental i can afford and also money money for moving, i guess someone moving make take credit card? They want my house to resale for {$170000.00} plus? I know i should have stayed with XXXX maybe it would have changed things???? 
Thank you for caring
Product: Mortgage

This company continues to misappropriate my account to point of not noting the account timely to garner additional fees. 

The payment for XX/XX/2023 was sent overnight mail on XX/XX/2023, and the money order was cashed/posted XX/XX/2023. The payment for XX/XX/2023 was sent overnight mail on XX/XX/2023, and the money order was cashed/posted until XX/XX/2023. The payment for XX/XX/2023 was sent overnight mail on XXXX XXXX, 2023 and the money order was cashed/posted until XX/XX/2023. The payment for XX/XX/2023 was sent overnight on XX/XX/2023, and the money order was cashed/posted XX/XX/2023. They payment for XX/XX/2023 was sent overnight on XX/XX/2023, and the money order was cashed/posted on XX/XX/2023. The payment for XX/XX/2023 was sent overnight XX/XX/2023, and the money order was cashed/posted on XX/XX/2023. The payment for XX/XX/2023 was sent overnight XX/XX/2023, and the money order was cashed/posted on XX/XX/2023. No payment has been late nor missed so the information they have provided is not accurate. This is indicative of the issues with this company. They payment is sent and they do not pick it up or post it timely which results in what they alleged are late payments. 

Secondly, the XXXX XXXX monies are supposed to provide to all homeowners and in this case, XXXX has XXXX multiple errors since obtaining my account from XXXX, which is now a defunct company. 


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

One main financial have XXXX my credit reports XXXX  times and i only replied once and I asked the to repeatedly take them off. They are set as hard inquiries
Product: Checking or savings account

I opened up an account with Citi bank on XX/XX/XXXX deposited a check on XX/XX/XXXX soon as I tried to use my debit card they locked my account they told me a letter with a reference number was sent out I never received it here it is XXXX which I've been calling them every week still no letter this morning I talked to a supervisor which he told me they only sent out one letter but the employees were saying they sent me another letter Everytime I called now the supervisor is telling me they only sent out one letter and can't send but one letter now I have to wait up to 3 months for them to do a investigation which I don't understand why.
Product: Debt collection

I have contacted Enhanced Recovery Services located at XXXX XXXX XXXX | XXXX | FL | XXXX over 50 times starting XXXX XXXX to present to delete a negative credit reporting on a fraudulent XXXX account. On XX/XX/2020 XXXX issued a letter of deletion to the bureaus and directed ERC to remove immediately as it was under ERC name. XXXX is no longer a client of ERC and therefore I was not required to pay ERC any money. I have also requested a full refund but have not heard or received anything from. As if this date, the negative reporting is on all 3 bureaus. I have tried to contact their corporate office called The Office Of The President but it goes straight to voicemail after 15 attempts. I am in escrow since XX/XX/2020 and this has caused a severe delay in closing my loan and is causing me a financial hardship, as well as a low credit score affecting my loan approval.
Product: Credit card

I am seeking a goodwill adjustment for late payments on my Citibank/CitiCards account. Despite having made timely payments for the majority of the account 's life, a few late payments were reported due to a temporary financial hardship caused by unexpected medical expenses.

I have since rectified the issue, and my payment history has been positive. I have provided proof of consistent on-time payments since the late payments were recorded. I am requesting that Citibank/CitiCards update my account to reflect this positive payment history and remove or update the late payments as a goodwill adjustment, given my current status and the impact of these late payments on my credit score.

This request is made to improve my credit profile and rectify any negative impacts caused by the previously reported late payments.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX AUTO XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My credit card account Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported closed on XX/XX/2023. On XX/XX/2023 they reported a late payment on my credit report. They can not report late payments on a closed account. I would like them to remove the late payments immediately
Product: Debt collection

This has been going on for years, even after asking them to stop calling and telling them they have the wrong number they keep on calling. Whoever they are, they call me asking for my ex-wife. We have been divorced for years, but I do know that she has no debt like what these callers are describing, and with each call they say it is something different. One day they say it 's a payday loan, then a medical debt, then something else. Sometimes they just demand money from me, even though it 's not in my name and will not tell me what it is for. They say if it 's not paid I will go to jail, etc. They have called my grandparents and other relatives. Recently, all of these calls have been coming from XXXX, and they say they are Concord Resolutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account, XXXX XXXX and XXXXr XXXX bankruptcy 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 an account without my written instructions.
Product: Credit reporting

After providing ALL the CORRECT information and picking which agency I want a report from, the XXXX step always comes up with " Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. All the data is accurate and complete. My computer, connection, and browser requirements and setup are exactly what is required. I do, however, get eagerly prompted to enroll and pay for my " free report '' just like all the scam agencies that you warn everyone about. Has anyone ever really received a free report online from Annual Credit Report? If so, where is that information found and how is it confirmed? Are Federal mandates for the Consumer meaningless?
Product: Credit card or prepaid card

I received an email receipt from XXXX coat factory in XXXX  ( I reside in XXXX XXXX ) and it was paid with a store credit card. I also received an email from XXXX saying there was an inquiry on my credit. I called the XXXX credit card number and they are closing the card. I called XXXX  and they are submitting a claim as well.
Product: Credit reporting or other personal consumer reports

**Issue 1 : This " company '' has been sharing non-public information with the credit bureaus and this violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions. 

**Issue 2 : I have requested VALIDATION several times and the " company '' has yet to provide me with anything bearing my signature or proving that I have a contract with the company they are allegedly collecting this debt for. The previous document received lacks essential details and fails to provide conclusive evidence of the alleged debt and that it belongs to me. 

**Issue 3 : The validation, or lack thereof, they sent and the amounts they are reporting to the credit bureaus do not add up. The company responded on XX/XX/2024 stating that I owe XXXX. However, they have one alleged debt on my credit report with a balance of {$220.00} and the other {$450.00} and one {$560.00}. The dates opened and other information across each of the bureaus are also different. 

So, again Caine and Weiner : 1.Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
7. Please provide the signed documentation, from me, giving you permission to release my non-public information. 

I have disputed this alleged debt with the credit bureaus and of course the company verified the debt. I have sent several validation letters. I have submitted a complaint with the XXXX, to which they responded, with the same computer-generated response. I am now escalating my issue to the CFPB and the FTC. Note : I am carefully documenting these correspondences in the event that I will need to seek redress in civil action for the financial and emotional distress this has incurred, if they continue to report with no regards to the law. I do not want your gaslight responses or mental gymnastics.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 asked 'XXXX XXXX XXXX ' to validate the debt. I asked original debt collector 'XXXX  XXXX XXXX to validate the debt. Neither could do so. There were two previous collections agencies involved : 'XXXX XXXX XXXX ' and 'Pendrick Capital Partners ' . I have never received any correspondence from any of these agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX CREATE A PROFILE WITHOUT MY AUTORIZATION. AND LIE IN ALL THE INFORMATION
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX has been illegally reporting my information to Consumer Reporting Agencies. ( TRANS UNION and XXXX ). Under 15 USC 1681 ( b ) states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates, and 15 USC 6802 - Obligations with respect to disclosures of personal information - states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( B ) Opt Out- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I DID NOT give verbal or written permission for my information to be shared, nor was I given the option to Opt Out of my information being shared to any Consumer Reporting Agencies ( TRANS UNION or XXXX ). Charges by XXXX XXXX XXXX XXXX are XX/XX/year> {$6600.00}, XX/XX/year> $ XXXX {$2400.00}
Product: Debt collection

"Diversified Consultants" has contacted me twice to tell me that I owe XXXX XXXX and demands that I pay it.  I do not owe XXXX anything--I have called them and they stated that at no time have I ever been late on a payment and have no outstanding balance with them.  They have also stated that they have never reported me to any debt collector.I informed Diversified Consultants of this and they were rude and hung up on me after threatening further action.I reviewed XXXX online customer support forums and this seems to be a recurring situation with "Diversified Consultants"--they contact XXXX  customers in an attempt to collect imaginary debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company XXXX XXXX XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents with this debt collector and must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX the Account from, XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I DISPUTE A 30 DAYS LATE ON MONTH OF XX/XX/XXXX, THAT IS REPORTING ON MY CREDIT REPORT INACCURATE. I RECEIVED RESULTS STATING IT WAS VERIFED. I DISAGREE, IF YOU WOULD VIEW MY FULL CREDIT REPORT IN YOUR SYSTEM. YOU WILL FIND THAT I PAY ALL MY BILLS ON TIME. THERE IS NO OTHER MISSED PAYMENT REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX I HAVE ALSO REACH OUT TO XXXX XXXX XXXX XXXX AS WELL. I HAD NO KNOWLEDGE NOR NOTICE OF THIS ACCOUNT WAS GOING TO BE REPORTING 30 DAYS LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance-
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX, XXXX XXXX XXXX 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 an 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: Debt collection

I was garnished after making a contract with them and making a good faith payment XXXX of XXXX. Then on XXXX my employer withheld XXXX. I called yccs and talked to XXXX of the supervisors. They told me they were n't supposed to garnish me. After getting know where I contacted the attorney that represents them on XXXX. He told me he would get the paperwork over so they would stop the garnishment before the next pay cycle. On XXXX they took another XXXX. I once again called them and they apologized and said that this should n't be happening. They would contact my pAyroll department. My payroll department told them she legally needed a stop payment form. I got a phone call a week later saying it was taken care of. XXXX I called payroll to make sure I would not be having any money taken out and she said she had n't received anything from them. So I then called yccs again I was directed to the supervisor. She said she would get it taken care of. The manager of the location called my payroll and was told what form she needed. He got the fax information and said he would get it to her. Today XXXX when I spoke to him to make sure it was getting taken care of he said he did n't need to send her any more forms. I then asked for my money to be sent back because I was n't supposed to be paying them that much. He told me no it would be credited to my account. They took XXXX overpayment so far and as of XXXX it will be XXXX of over payment. I simply want my money back and to will continue to make my contracted XXXX monthly payment. They 're illegally taking money. They keep saying the order she has is the stop payment then why are they continuing to take my money and not sending it back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in Florida and because of the pandemic I lost 30 % + of my income starting in XXXX when the Stay at Home order was enforced.
Product: Credit card or prepaid card

This card is from the XXXX XXXX. Card # XXXX XXXX XXXX It is a store card which claims to give a discount if I use it to purchase from XXXX XXXX  catalog. 
I made a purchase in XXXX. I somehow missed the bill I expected to receive. When I received a late notice, I paid the balance of {$180.00}. 
It appears the company started charging me {$2.00}. every month & adding {$2.00} late fee. I was not aware of this. Since I was not purchasing, I did not check my balance. I received no notice. 
When I realized I owed {$6.00}, I paid this and asked that my card be terminated. 
Since then {$2.00} plus {$2.00} late fee has been charged to me every month. 
I have not made a purchase. I will not use this card again. 
XXXX XXXX  has made a mark against my credit report causing me to have to pay a higher interest rate. 
They say I still owe {$6.00} which I refuse to pay. 
XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. PURSUANT TO U.S.C 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .

THESE COMPANIES ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ; 15 U.S.C 1681 SECTION 602 A. CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY. 15 U.S.C SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1666B
Product: Mortgage

Due to covid-19 company give me forbearance plan for three months, now that send me threatening letter, I am loosing my home and my payment is due