23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to file complaint on State Home Mortgage. I have been with this company for a decade and I have always had such difficulty with loan servicing with them. The personnel there is very rude and are not there to support the home owner in any way. 

1. On XX/XX/XXXX I received a 6 month forbearance after receiving payments of {$710.00} from me once last payment from XXXX XXXX XXXX ended on XX/XX/XXXX. 
2. On XX/XX/XXXX I received a modification trail plan payments to be effective for XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX, which I paid as agreed. I continued to make the trail plan payments until XX/XX/XXXX. 

My complaint is that XXXX XXXX XXXX XXXX never issued me a permanent modification. They signed the modification plan/contract on XX/XX/XXXX to start the trail plan agreement. In the interim, I 've received a coupon book in XX/XX/XXXX for payments of {$710.00} starting XX/XX/XXXX with interest rate of 4 % which is not in line with the modification agreement which stated an interest rate of 3.5 %.  Which were the payments of {$680.00} that they 've collected from me the months of XX/XX/XXXX-XX/XX/XXXX. 
During the time of waiting on the said modification to be approved, life has happened where I struggled to get payments in for XX/XX/XXXX and XX/XX/XXXX. I sent a check/payment in to State Home Mortgage for the amount of {$1500.00} for the months of XX/XX/XXXX and XX/XX/XXXX plus coverage for any late fees assessed on XX/XX/XXXX. I assumed I would need to pay the {$710.00} after receiving no response from emails and seeing that my online account had not been updated to reflect accurate information. 

I have been in constant contact with XXXX XXXX and has filed a second investigation with them. They are also confused on what has happened after their last in counter to remedy this issue with State Home Mortgage after they had advised them to place me on the Streamline Modification. I have also had to obtain a lawyer to communicate on my behalf going forward due to so much push back from XXXX XXXX of State Home Mortgage on providing me with the correct information on my case to save my home from any other delinquencies and/or foreclosure.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$20000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$160.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX {$360.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX DC ( Bank ) XXXX XXXX, XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX 2023
Product: Mortgage

I took a loan out with   XXXX   XXXX   back in  XXXX  that was modified by the Federal Government. Then these recent group of companies hiding behind   XXXX   XXXX   are attempting to say I owe them money when this loan was paid off long ago and they know it. As a matter of fact   XXXX   XXXX   has recently been fined $  XXXX  by the  OCC  and I wonder if you can forward this complaint to them as well. The acting agent of   XXXX   XXXX   is  Caliber Home  Loans. I attach a copy of the complaint and they have been posting my payments to  Unapplied F unds and Escrow and not to Principal as agreed. In fact I had {$13000.00} in Escrow back in  XXXX  which were never applied to Principal.Thank you so much for your help.  XXXX   XXXX
Product: Debt collection

I received a call on my cell phone from a company wanting to verify my address so that they could provide private information to me. I kept saying that they had the wrong address and I asked if I could receive this information by mail. The lady said credit management company does not mail but I could check it out online at creditmanagement online. I never opened up a XXXX XXXX XXXX bill in XX/XX/2017 and she told me she is collecting a debt for approximately {$250.00}. I said I am going to dispute the debt and I am not paying her. I should not have given her the last four digits of my social and my updated address.
Product: Mortgage

I received a notice from a debt collector company called Dyck O'Neal, that in XXXX I used a XXXX XXXX XXXX loan through XXXX. I am being notified that on this date ( XX/XX/XXXX ) that I had not paid on that loan through XXXX XXXX, not XXXX XXXX. But, I contacted XXXX XXXX and they said there is an underwriting problem because the mortgage had been transferred so many times and we still own the home. 

I contacted HUD and spoke with a lawyer then I contacted the debt company and tried to explain who is trying to collect because the papers said it was from XXXX and it was applied to the mortgage. Dyck O'Neal told me it was an unsecured debt, but XXXX XXXX told me it was a secured debt. 

I had to take part in the housing crisis of XXXX and I needed to acquire that loan in XXXX of XXXX with XXXXXXXX XXXX XXXXXXXX. 

Please help because no one can find the paperwork.
Product: Credit reporting

XXXX XXXX states that they have tried to reach me. We have not heard from them although we are in the office everyday XXXX.I called the XXXX XXXX escalation department XXXX/XXXX/2015 and left a message. This is real simple have XXXX XXXX XXXX dispatch on their letterhead that they have requested this to be removed from my credit reports as XXXX, Equifax , XXXX. In correspondence from the actual representative XXXX XXXX she specifically uses the word rescind.Lettters from all credit companies state XXXX XXXX says it is reported right. So it has become a finger pointing game. Everything i am stating is in black and white.
Product: Debt collection

In 2022 we had a kitten that was super sick and ended up passing unexpectedly. The vet we took her to cremated her and there was a remaining balance of {$300.00}. At the time we were not able to pay it. I kept trying to make a payment but wasn't able to and then when I was able to start making payments the interest had raised the balance so high I wouldn't be able to pay it anymore. I tried to talk to the original creditor about lowering the interest owed and the only offer they ever gave me was so minimal it would make no difference because they wanted payment upfront for the full amount which was still out of my reach, even with being able to make some payment. The vet then passed it along to a debt collection agency. The debt collections agency has told me they can not provide the original contract showing I agreed to those interest rates or even that they were outlined in the contract. The debt collection agent has told me they do not own the debt, that they have no record of the original contract, and that this will impact my credit if I don't pay it. She has repeated the threat of it on my credit report in the hopes that I will simply pay the full debt. I have no problem paying the debt that was originally owed and perhaps the 6 % interest/per year but to charge me an interest rate that there was no original agreement to that amount is not something I feel comfortable with. I agree we received the services but with no justification for the interest rate and its increases as outlined in the " bill '' the collection agency has sent me, I do not feel comfortable just agreeing and paying it.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach and have identified several unauthorized inquiries on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I request that the following fraudulent inquiries be blocked and permanently deleted from my credit file : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Back in 2017, I lost my job but was still making payments on my credit card. XXXX, I made a payment and for whatever reason, Comenity bank claims that the payment was not made but it was. The same incident happened the next month and my original credit with them was {$300.00} but because of this, it went up to {$1000.00}. I reached out to them and they told me it was my bank 's fault. I also told them that I was unemployed and could no longer make payments.Up until this point, nothing was done. I definitely owe them {$300.00} but I do not owe them the additional {$700.00} they are trying to charge me.
Product: Debt collection

I have repeatedly received calls and voicemails from " Receivables Outsourcing , LLC '' ( Address : XXXX XXXX XXXX , XXXX, MD XXXX ) who claim I owe a debt. They ask for personal information over the phone without being clear who they are or why they are calling. I have repeatedly asked them to send information about any debt via mail ; they claim they have done so but I have never received any information about a debt owed. I have repeatedly asked them to stop calling, but they continue to periodically call using an automated system ( most recent on XX/XX/21).
Product: Debt or credit management

My phone number that I have had for 30 years or more, getting calls from debit collectors of someone by name of XXXX XXXX. I dont owe anyone one money and whom I owe I been sending properly. 
XXXX XXXX is using my number and i am being hunted for her. 
This need to stop. I am old woman and I cant deal with this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. ( block, inc. ) Due to inadequate customer service and unfair practices, Which violates the consumer financial protection act. Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, this dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the electronic fund transfer act and regulations e. These actions have caused significant inconvenience and financial lost and I seek appropriate redress for these violations.
Product: Debt collection

This collection company named Amshercollection Services is reporting on all 3 of my credit reports. This is the 3rd company that is listed on my credit reports and has tired to collect on this debt. I called this company and they stated that they do not have this file or account but they are reporting on my credit report. I want this item removed from all my credit reports ASAP. This reporting is affecting my credit rating and my ability to receive credit. I was a victim of theft and someone received credit in my name. This account does not belong to me. Please remove
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name without my consent. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$2200.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Amount : {$590.00} Fraudulent Inquiry : 1. XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed out of {$2000.00} by someone pretending to be Citizens Bank. I received texts stating, " Citizens Bank Fraud alert- reply Y or N if the purchases are authorized. '' I then selected " N '', and received a text saying, " Thank you, Citizens Bank will be with you shortly. '' Then, someone on the phone told me that a claim was put in and asked me to verify my email. It was only after the fact and after going into the branch that I realized it was a scammer all along. The scammer hacked into my online banking and used a service called XXXX to send himself payments of {$1000.00}, {$900.00}, and {$100.00}. I could not access my online banking so I knew something was up, so I went into the branch at XXXX XXXX in XXXX, MA on XX/XX/XXXX. I was told that a claim had been filed and I should get all the money back by the end of XXXX by XXXX XXXX XXXX and XXXX XXXX. By the end of XXXX, I called the bank once more as the money was not returned. The fraud department told me that they could not find a claim. So, we had to submit a whole new claim as the bank either lost it or a claim was never filed and I was lied to. After filing the new claim, I was told that a provisional credit would be given to me so that I would get the {$2000.00} back. Once more, I did not get a provisional credit and contacted the bank once again. XXXX told me that they are just backed up and I should get the money back. Then, I received a letter in the mail dated XX/XX/XXXX, from Citizens Bank which stated that they dispute the claim saying that the {$2000.00} was authorized by me ( which it wasn't ) and thus, they will not credit me the {$2000.00}.
Product: Checking or savings account

On the night of Saturday, XX/XX/XXXX my debit card was stolen. The fraudulent charges totalling {$2800.00} included a {$1000.00} ATM withdrawal from a Wells Fargo ATM. I told Wells Fargo that I am the only person that knows my PIN so after processing my fraud claim they concluded that " an error did not occur '' because if I am the only one that knows my PIN number then I am the only person who could have made the withdrawal. I did not make the withdrawal so I asked if they reviewed any security footage to verify it was not me, given that the ATM in question is operated by Wells Fargo, and they claimed that they do not do that. Thank you for your help in resolving this matter.
Product: Debt collection

I notified XXXX at Tek Collect XXXX XXXX XXXX email : XXXX To remove the wrongful reporting of medical debt from all 3 of the credit bureaus and they refused to do so. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/
Product: Money transfer, virtual currency, or money service

I was scammed by a person named XXXX XXXX through remitly via small transactions and have since filed a police report which I offered to give to the company through customer service to at least hopefully get some of my money back but instead the company gave me a horrible attitude, did not offer to do anything nor help me in this matter and instead banned MY account for reporting the incident! Worst company ever! I have a full pdf of the police report filed to the FBI and a copy of the scammers passport as well if needed
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report this morning, and I have no clue how they got there. I check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the incorrect accounts remained. Given this, Im requesting a thorough review of the documents I've submitted, so I can finally stop worrying about this issue for good.
Product: Debt collection

This is a complaint from XXXX XXXX against Portfolio Recovery Associates for Portfolio 's failure to provide requested information for the debt alleged and repeated phone calls despite being informed of consumer 's legal representation. 
On XX/XX/XXXX, consumer ( through legal counsel ) sent a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 

It has been over 3 months, and consumer has not received this documentation. In addition to this request, the letter also provided instruction not to contact consumer directly. However, consumer has received multiple phone calls from Portfolio Recovery, in which she has told them to contact her attorney, but has continued receiving calls. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts. 

Finally, this dept is from XXXX, which also means that is is past the 6 year statue of limitations in Arizona, and thus the creditor should cease collection attempts and reporting on the consumers credit report.
Product: Debt collection

XX/XX/18- collector called the number listed and left detailed voice message about me and advised legal action was being taken. That number belongs to a family member that lives in another state.
Product: Debt collection

Spoke with a manager by the name of XXXX XXXX, of Carter and Young Inc. I requested verification of signed rental agreement for I am unaware of the debt. He sent me a contract via email that has no initials and signatures, XX/XX/2018. Upon request, this documentation can be provided in its entirety. But, I did attach a page that has no signatures. In addition, he could not verify my personal information or contact information- phone number/mailing address.
Product: Debt collection

Dynamic Recovery says I owe XXXX XXXX XXXX Hospital {$760.00} dollar for a medical bill. I called XXXX the Collections agaent at XXXX XXXX XXXX Hospital and I do not owe them any money, and she stated they have never used Dynamic Recovery to collect a past owed debt. Further research online on the XXXX website flags them as a fraud company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not tried to resolve the inaccuracies on my credit report. I have been trying to contact someone since XXXX. The last complaint filed, I receive a response stating to give them a call, I called the number that was provided, left a voicemail and have not heard back. This company refuses to assist me with how they are reporting and at this time if the information is not updated correctly I will seek legal action. They continuously hurt my credit score with the false information thats on my credit report for XXXX, XXXX   and TransUnion. I'm trying to buy a home and this is my way of moving forward. XX/XX/2019 should be the only past due payment. The many times that I have tried to correct this there is no hope but to sue this company. 

With TransUnion they are reporting 5 late payments, XXXX shows 1 late payment and XXXX  they are reporting 2 late payments. This information is incorrect and again I have tried to resolve this with no assistance. It seems as if no one at XXXX cares, cant read and definitely and are ok with giving incorrect information on customers credit report.
Product: Debt collection

Portfolio Recovery - Harassing Behavior They have called 50 times from 21 different numbers in the past 4 months ( XX/XX/XXXX-XX/XX/XXXX ). On two separate occasions, they called multiple times within an hour, from two different numbers. 

They NEVER leave a voicemail ; they call during the day while I'm at work. They have called me at my work number ; they were informed to stop calling me and send me correspondence via mail. That request was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person.I 'm an human being. I have a right under 15 USC1681. XXXX is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC1681. I have a right to.privacy and i.did.not.give XXXX written permission to furnish these accts. XXXX XXXX XXXX acct # XXXX in the amount of XXXX. XXXX XXXX XXXX is the seller..