23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX my mom and grandma handles my bills and calls. My grandma tryed to make payments do to we cant pay my bill in full and he said no he needs to pay the XXXX then later told her XXXX then XXXX and now also told her i will be arrested and it will be a XXXX dollar fine and will need a bail bond then to get me out of jail. Then refused to talk to her now and said after he told her i have till XX/XX/XXXX to pay it turned around and said i have to push this threw that i will not speek to her anymore and i have XXXX hrs to respond. He has called multiple times even when im at work and has even called at XXXX before. I find the treats offensive with the jail time the refused to take payments when we tryed to work with him and even the backout of the date he told her on profesional and this is also illegel.
Product: Mortgage

This complaint is regarding Amerisave non-compliance with supplying accurate Closing Disclosure documents in a timely manner for loan.My husband and I were scheduled to close on the re-fi of our home on XX/XX/XXXX at XXXX. We did not receive corrected documents until XX/XX/XXXX at XXXX. Amerisave dropped the ball and were remiss in fulfilling their responsibility of delivery of Closing Disclosures in the prescribed timeline to stay in compliance. 
I applied for the loan on line on XX/XX/2020 and spoke with XXXX XXXX NMLS # XXXX. I noted and explained to XXXX XXXX at that time that we DO NOT escrow our Homeowners Insurance premium. XXXX XXXX assured me, at that time, that it would be removed, and adjustments made accordingly in all future documents. 
Numerous emails, voice mails, and text messages were exchanged with the assurance that the correction would be made in a timely manner. The correction was finally made at XXXX XXXX  the day before closing as noted above. Well outside of the compliance time frame of 3 days. 
Other parties involved directly with this complaint : XXXX XXXX NMLS ID # XXXX and XXXX XXXX AVP - Mortgage Sales Manager NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX ( XXXX XXXX manager )
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted dispute letters to the 3 credit bureaus informing of inaccuracies on my credit report that continues to report negative which is impacting my scores in negative manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$48.00} Status Open FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Collection account. {$350.00} past due as of XXXX XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. $ XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family
Product: Money transfer, virtual currency, or money service

Accidentally sent money to someone else before it asked if I was sure I wanted to send money to that person
Product: Debt collection

I found out when closing on a home purchase that there is a collection of amount {$310.00} on my credit report from MONEYLION INC for Account # XXXX. 

I was able to reach customer service after serval attempts. The company informed me that this is a credit plus account that someone opened to take a small loan to improve their credit history. 

I told the clerk on the phone that this is a fraud account that I never opened. I asked for any information on the name, address, phone or email that the account initiator, but the clerk didn't provide any of the requested information. The MONEYLION clerk asked me to hold on the phone to get an account safety personal to submit a ticked to help me resolve it. After waiting for a while, the clerk told me that I would receive a call later. I have never received any calls from the company two days later.
Product: Credit card

On XXXX XXXX, 2016 Capital One denied my application for a credit card because " Based on your application information, there is legal action pending against the applicant '' However they fail to disclose what the source of that information is and they did not obtain my credit report during the application process. On XXXX XXXX, 2016 I wrote a letter to Capital One requesting further information. I believe Capital One 's failure to disclose the source of this " legal action pending '' is a violation of the Fair Credit Reporting Act Section 615 ( a ) or Section 615 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My vehicle was stolen from me on the third month of buying my car by the dealership helpers. I put {$2700.00} down and made 4 payments towards my loan. After my vehicle was stolen I filed a insurance claim and purchased a new XXXX  XXXX XXXX pickup from Texas. That's was never delivered to me. He then contacted the police department and said that the report was false. I was arrested for making a false report. 


I was XXXX shot at behind XXXX XXXX and my vehicle was stolen by these XXXX XXXX XXXX working with the police department in the form of corruption. 

Conducting illegal activity 's within the line of law enforcement. 

My brother was XXXX XXXX killed yesterday I called XXXX and no one showed up.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

AmSher Collection Services Inc, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX sent me a letter for an alleged debt owed by me on XX/XX/2021 in the amount of {$200.00}. 

I sent a request of verification of debt to AmSher Collection Services , Inc on XX/XX/2021 via certified mail. ( Tracking # XXXX XXXX XXXX XXXX XXXX ). The company failed to respond to my verification letter, I did not receive any correspondence by mail to verify the debt as I requested on XXXX. AmSher proceeded to still add the alleged collection owed to my credit report, without sending verification to me, which is a violation of the FCRA. This has impacted my credit report which was in good standing and caused problems with me rebuilding my credit score. This was an unlawful and careless tactic on AmSher.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

They havent giving me my money I donated to XXXX XXXX hes a XXXX and XXXX giving organization. I gave a XXXX of my stimulus check and he has others give to me. They did. I dont know why or where the money came from I have his number XXXX XXXX XXXX XXXX XXXX but they did
Product: Credit card

My bank reversed a payment for {$110.00} on a Paypal Mastercard by mistake. XXXX immediately restricted by XXXX account, which they claim is separate from the Paypal Mastercard credit card. They told me I need to verify that bank account an submit a request that XXXX payments be sent from XXXX to confirm that bank account. XXXX never sent the small deposits. It has been over two days. When you go to the XXXX website, I can not see what purchases were billed on the card. I had to search the site to find a link to view the credit card statement. Why did XXXX restrict my account and not the credit card company Synchrony Bank, Paypal Mastercard? XXXX sent an email to customers some time ago that XXXX and the credit card were XXXX separate companies and would be treated as such. This is not the case. I have done everything I was supposed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX  ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXX XXXX  ACCT # : XXXX, has violated my consumer rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

I have told them several times ( more than three ) that I cant accept calls during work hours. However they keep calling and interrupting my work day. I told them to call me after XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries nor have I applied to them, these companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting TransUnion and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant XXXX, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Product: Payday loan, title loan, or personal loan

Worked with speedy cash on a structured payoff plan that would allow me to pay off my debt in a reasonable amount of time and avoid the XXXX XXXX interest rate. 

I have been paying {$220.00} since XXXX XXXX every XXXX weeks. This amounts to a total {$5500.00} dollars that I have paid on a {$900.00} original loan. 

I have requested a restructured agreement that would allow me to pay down this debt that is now over {$1300.00} despite my consistent efforts to pay.
Product: Debt collection

I sent a debt validation letter Midland Credit Management , Inc on XXXX/XXXX/2015 trying to verify my debt. I do not recognize this debt and I requested that they validate it. They have ignored my requests for validation.
Product: Credit reporting or other personal consumer reports

Hello..I have unauthorized inquiry on file under 15USC 1681b ( FCRA ) and with all these breaches I wish to have it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to close cellular account and did not credit my returned devices stating I owed XXXX  and sent to source receivables for collection. disputed with credit reporting agencies XXXX, XXXX, XXXX and they failed to investigate dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently switch from XXXX to XXXX. However after i connect with a girl named XXXX to end my services with XXXX. The next day i received a notice that XXXX made a hard credit inquiry check. The inquiry was done without my consent. They have done this too back in XXXX Why would they pull my credit unless there's something inside the company doing illegal stuff. 
I hope this hard inquiry will be removed as it has harmed my credit score. 
Additionally, i never missed a payment to loan nor to bills. The upcoming bill for XXXX is due in the XXXX of the next month. All this doesn't make sense.
Product: Checking or savings account

on XX/XX/XXXX i went to use my card and it was declined when i went in and checked my account it said XXXX balance which was weird cause i know i had a XXXX XXXX  in that account when i opened the current bank app on my phone and started looking i seen that i was getting charged XXXX times a day for XXXX XXXX for anywhere from XXXX XXXX down to XXXX and it was and had been happening for over a month sometimes as little as XXXX XXXX  apart to a couple hours apart i have some that were like XXXX XXXX XXXX XXXXXXXX then another XXXXXXXX XXXX XXXX XXXX XXXX then another XXXXXXXX XXXX XXXX XXXX XXXXXXXX  and this went on for almost XXXX  months from XXXX XXXX  and i seen XXXX of the charges it looked like they added XXXX XXXX  interest for the tip just outrageous tips there are like XXXX something charges in total some from interest online for XXXXXXXX XXXX to XXXX XXXX  for XXXX XXXX.so i contacted current bank told them what was going on they asked me to get them all the recipe numbers so i did and told me there investigators would look XXXX it and it could be XXXX XXXX so XXXX weeks or so goes by and im broke need my money back and contact them they told me they did not see a fault and that they were not covering the stollen money i tried to tell them the charges were in XXXX from what i can tell and asked why the same bank that will shut my card off on me when i buy a pack of gum to late didn't stop stopped the charges for XXXXXXXX XXXX XXXX XXXX  on average of XXXX XXXX  from XXXX miles away who would ever order that much XXXX XXXX  times a day and the lady i was talking to said our investigators made there mind up thats all i can say i tried to get her to get someone that was above her to talk with the only problem is they only contact through messaging so im stuck with no money to pay bills over something that's obviously not me i hope you can help i need to pay bills then i got to looking at there email and over half the charges arent even on tho complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We had applied for a mortgage loan with Hometown Equity Mortgage LLC. They were so unprofessional. The lady whos the underwriter was so inexperienced. They were trying to rush the CD out to us and it had no monthly payments, escrow etc. They actually gave us the cd from the attorneys office. They had a few days to work on the file. The lady kept calling my broker asking questions to which she should already know and have paperwork to in the file. She was just being lazy and had a dont care mentality. Even when my broker told her that my XXXX yr old mother XXXX law was misplaced and is moving in with us, they were still dragging their feet. This company was a hot mess. It took XXXX people to try and complete the CD. They were still asking questions to my broker up until the day we went to do the signing. I would not be recommending this company to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and US DEPT OF EDU Account # XXXX. XXXX ) I as a consumer have the RIGHT TO PRIVACY pursuant to Title 15 USC 1681 ( a ) ( 4 ) - ACCURACY AND FAIRNESS OF CREDIT REPORTING, and the US DEPT OF EDU Account # XXXX, XXXX, EQUIFAX and XXXX VIOLATED MY PRIVACY. ALSO, US DEPT OF EDU Account # XXXX, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to US DEPT OF EDU Account # XXXX ( BOTH ACCOUNTS ) TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY OF THESE FRAUDULENT ACCOUNTS ( XXXX - XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding US DEPT OF EDUCATION ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ). I demand BOTH accounts XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Product: Debt collection

I receive a robo phone call at least 3 times a week regarding a debt on a gym membership that was a gift for me, in another state, almost a year ago. Although I did not fill out any of the paperwork, use my credit card or have anything to do with the sign up process, I still receive these calls. The past due debt has been paid in full and I have been emailed a receipt of the settled debt by the person who started the account, I am continually harassed by XXXX XXXX on the Behalf of XXXX XXXX in XXXX XXXX Texas.
Product: Checking or savings account

I had a transaction made in XXXX, XXXX for {$75.00} at a XXXX. They've supplied me with very little information about the transaction. No date, and no time in my request for documentation. They haven't told me how the card was authorized. All they have said is because I got paid the day that the transaction was made, it had to be me. However, they've given no explanation for how I was able to make XXXX transactions in the XXXX XXXX area within XXXX hours of a transaction in XXXX. Over XXXX hours away. The transaction is clearly fraudulent but instead of investigating they've chosen to do nothing, and instead of supplying me with information to report to the police they've offered no information about the transaction. This is a clear violation of Regulation E.