23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

A title loan was taken out in my name in the amount of XXXX I did not open this account. The loan number is XXXX. Monthly payments have been made on this account but I did not open this. My vehicle was broken into my identifying information was stolen and some one reopened a loan. I need this resolved and I need my title back
Product: Mortgage

Amerihome Mortgage. This is a follow up to complaint # XXXX. I will be submitting a letter I received today with the following. After CFPB contacted Amerihome they finally agreed that I did possess a 100 % tax exemption for my property located at XXXX XXXX XXXX, XXXX SC. , XXXX because I am a XXXX % service connected XXXX veteran. The letter states an escrow analysis was completed and I would be receiving a check from escrow overage in the amount of {$3100.00}. I saw the check in my Amerihome online account made out on XX/XX/2018. I called them today as I had not received the check. I spoke to two employees that had no idea what they were talking about, one of  them going so far as to that I would only receive about {$2000.00} because I owed back HOA fees, ridiculous because my HOA fees have never been escrowed are are paid monthly through a XXXX bank credit card. The supervisor, XXXX, who refused to provide his last name or employee ID said the {$3100.00} had been deposited back into my escrow account and a separate analysis said the refund was less over a {$1000.00} because I had to keep a padding in my escrow account of 2-3 months. My insurance is {$27.00} per months and even after the {$3100.00} check is cut there is still a couple hundred in escrow for insurance. Again, this company is taking advantage of XXXX American veterans and more than likely anyone that does business with them. Please, I am asking you to take action against these crooks, their entire staff is incompetent and knowledge of their product and the laws about servicing them is nile. These people are crooks and a federal investigation of their practices should immediately be launched. I finally spoke to XXXX XXXX who signed the scanned letter and she also was unable to provide an explanation. Unbelievable a company sends a letter of resolve and then changes their mind.
Product: Debt collection

McDowell and Associates, a law firm in XXXX XXXX, CA has been contacting and harassing me for TWENTY plus years over a car loan that I never had, The loan was initiated due to identity theft when I was in college and lived in Washington State. They have continued to pursue me throughout the years, and claim they served me with a court summons in the year XX/XX/2000. In that year I did not live in California, and did not have the PO Box that they claim they served me at as I had used it years before and did not live in XXXX XXXX, anyways. Fast forward, I just received a judgement for XXXX for a debt that is not valid. They did not serve me legally, so I had no way to defend myself. Had I been served legally, I would have shown up with my police report, letter from City Attorneys office, Affadavit of Fraud from the FTC which is notartized, and it would have been taken care of. Now I have a judgement and have to deal with it. I am a XXXX person, and can not even drive to this courthouse which is far away. I intend to file a restraining order for harassment, sue them, and deal with XXXX XXXX XXXX and the court directly. Even if this was a valid debt, which it is not, the statute of limitations expired 18 years ago. I saw very bad reviews about this firms ethics and I can certainly see why.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX and 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 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: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$3000.00} XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Inquiries included in dispute : XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

I XXXX XXXX, AS IN THE REAL NATURAL PERSON AND ORIGINAL CREDITOR XXXX XXXX. i attached my social security card so you can't lie and say you don't recognize me as the person sending you this letter. in other words, = YES IT'S REALLY ME. I was entered into credit transactions that i did not consent to or authorize whatsoever. I contacted the Federal Trade Commission and filed a complaint # XXXX and it is attached to this letter. Please block and remove all information from my credit report, and send me an updated copy of my credit report. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). As you This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As we both know under 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX of receiving this dispute letter an d yes the invoice is definitely attached boo. TIME TO PAY UP OR FACE LITIGATION YOU HEARD!!!! 
I demand that the following accountS be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX is reporting this account that does not belong to me please remove from my credit report thank you.And i believe it may be a fraud / identity theft account please remove from all credit reports thank you kindly. 

Contact info XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone number ( XXXX ) XXXX According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$510.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$0.00} ; XXXX & XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Credit card or prepaid card

I had gotten in touch with Capital One in XXXX over the phone to go over my account, and i had set up Automatic Payments with them, so that i didn't miss a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX to remove the Ally Bank from my credit report on several occasions. They have refused to remove anything from my credit report. There was a Federal Complaint where Ally Bank Overcharged Minority People on Car loans. I was one of these people. XXXX and XXXX have remove the creditor from my reports but XXXX has continued to remove. All the negative reports was more than seven years and I live in Georgia at six years to remove negative information. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-doj-order-ally-to-pay-80-million-to-consumers-harmed-by-discriminatory-auto-loan-pricing/ Also, the account was charged off. Other collection agencies have tried to collect on this bill and it is not annotated on my credit report.
Product: Credit card

please make sure you escalate to someone other than XXXX XXXX. he has not responded to my calls and sent merely a script not addressing the issues. Please send to ceo. if i get an answer from logan i will be incensed and demand someone else. i again got interest. pnc limites the times you can pay from an external account so i made a payment on XXXX when it was clear i intended to pay the whole balance. like my record indicates and it zapped me with a minimum interest charge. i want it back. in addiiton when i called to pay the hold time was over XXXX hour. what else could i have done? due date was XXXX on card XXXXcan not use my cards now. 
i want this sent to someone else and handled. this is pure greed and trickery. please refund my interest. without a script or explanation of how its charged as i am not asking that and that is not the issue. 
either make it easier for someone to pay externally or do away with interest but no traps.
Product: Mortgage

My mother and father owned their home for 37 years in XXXX they took out a loan on there home with green tree XXXX company. My father XXXX XXXX in XXXX. My mother XXXX XXXX in XXXX. I then went to court for a quick claim deed to the property. I was granted the deed at My exspence. I Informed greentree of all changed being made and ask them what I could do to take over the mortgage and was told simply pay the payments. I turned in my insurance information that proved i was the name on the insurance not my parents and both XXXX XXXX XXXX as well as all the court documents promptly. They excepted the paper work but still did n't let me take over the laon. A year later they switched from green tree to ditech. That 's were my troubles bega n. They refused my insurance. I had to dispute them in addition my insurance agency has to make contact with them to dispute there action since I had the quick claim deed. After that was settled i was told to only make payments threw there speedway method as the only way to avoid late fees. They would hold my payment as a partial payment and not apply it to my account causing me late fee s after I had already payed for there speedway method. My payments would be applied to other things than my account causing me to have to send more money to complete the partial payment they had takin money out of. I would do one time payment options and Ditech would set up unauthorized payments without my knowledge this action caused my bank account to overdraft XXXX dollars and be closed in XXXX XXXX. I would send them my payment and receive my confirmation number to later find out they did n't take the money out of my account and that caused my account to default my loan. I sent 3x the amount i would have payed of they would not have refused my payment in the first place. My phone records prove they call me 10 x a or more a day from XXXX in the morning till XXXX at night. The line will be dead when I answer it. I have contacted them multiple times in hopes of help saving my home. They tell me to pay up the full mortgage amount or get out. I am currently awaiting my forcloser court date. In XX/XX/XXXX i found out Ditec h was failing to pay property taxes on my property That escrowed in my mortgage i was two years four instalment behind. They did not want to pay it but had no choice or the state was going to take possesion, I payed Ditech and they failed once again on there end. I have tried to refinance the loan and no agency will help me because it is a fema loan. Please help me save my family home. This situation caused because of Ditechs fault and negligence. My parents XXXX in this house.
Product: Mortgage

COMPLAINT AGAINST XXXX XXXX AND SPECIALIZED LOAN SERVICES ( SLS ) Amortization period for the loan was extended from 360 months ( Loan maturity on XX/XX/XXXX) to 480 months ( that is Loan Maturity onXX/XX/XXXX ) .But SLS state the loan maturity as XX/XX/XXXX ; instead of XX/XX/XXXX to create a fraudulent fictitious balloon amount of {$380000.00} added to the current loan of {$610000.00} because they used 360 months maturity to amortize the loan contrary to the 480 months, which they claim falsely is the new amortization period ( see page 54 of attachment ) I do not see how this is a Mortgage Relief Option. To address an unpaid arrears of {$100000.00} ; SLS introduced a fraudulent fictitious balloon amount of {$380000.00}. 
1.XXXX  XXXX and SLS should be directed to remove the balloon amount of {$380000.00} to be a truly a mortgage relief to enable me commence the trial period commencing XX/XX/21. It is fraudulent for XXXX XXXX and SLS to state the maturity date asXX/XX/XXXX. This date is a strange introduction and has no basis. XXXX XXXX and SLS should harmonize the maturity date of XXXX and amortization period of 480 months. 

2. I did not apply to increase my financial burden and lose my home. Am I being maltreated because I am minority and XXXX? I never contracted any loan from SLS. They were imposed on me by XXXX XXXX as Servicer. XXXX XXXX manipulated my loan accounts and expect me to accept their fraudulent practices without seeking for fair and equitable resolution. 

3. If I can not get fair and just intervention from CFPB, I will engage my representatives both in the House and Senate to help me out ; and the courts. I am aware a good number of XXXX and minority home owners have dispossessed of their homes fraudulently ; and sold for pennies to white cronies. 

4. Minority interests and XXXX people should also be considered and not serially and continuously abused. 

cc. Senator XXXX ; Mrs. XXXX XXXX ( Chair, Financial Services ; Senate Majority Leader ; XXXX XXXX ( NY )
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX 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 have contacted Portfolio Recovery Associates LLC on numerous occasions over the course of several years demanding they send me valid proof of the debt that it is mine, specifically by providing an application that bears my signature. They refuse to send anything except letters stating they will not provide anything to me. I then disputed with all credit bureaus. They did not provide any paperwork verifying the debt was mine but rather wrote a letter claiming the debt was valid. They are now refusing to communicate with me as they state I have not provided them with new information so they are under no obligation. It is obvious they do n't have any proof otherwise they would have sent it already.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries are not mine. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items from my credit report. 
Fraudulent Accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$4100.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally I tried to dispute with the credit bureaus and XXXX  XXXX late payments on my XXXX  XXXX accounts for XX/XX/XXXX due to the fact my dad died in Texas and I live in Kentucky. Also, my dads truck was missing, and it took me three months to locate it. I want to be very clear my personal information was never in that truck and my identity was NEVER compromised. I also want to point out that my daughter also died, so her and my dad 's deaths were less than a year apart from each other. The late payments in XX/XX/XXXX are preventing me from getting a HELOC, which I need to consolidate my own small debt and prevent my dad 's land in Texas from being foreclosed on. 
I just wanted to file a dispute to have XXXX XXXX remove the 30 day late payments from that time period. I feel my circumstances were extenuating. I was daily having to speak to multiple police depts, ambulatory services, hospitals, Crimes Against Persons, etc. There was also an investigation into my dad 's death by the coroner who determined it was an accidentally fall and not foul play. Anyways. XX/XX/XXXX was very stressful for me and I've had an otherwise great paymeny history. I've been a customer of XXXX XXXX since XXXX and have never disputed anything, asked for an exception, filed a dispute or anything. My accounts have been current for over a year. 
So I sent XXXX XXXX, XXXX, XXXX, and Experian all my supporting evidence of my dispute and a 5 page letter detailing my dispute and asking for a little grace just to have those late payments removed. I don't feel my request was unreasonable especially since people are still milking the COVID cow and having things taken off their credit for that. I think my circumstances are a little bit worse than COVID. 
What happened instead : My dispute has been ignored by all 3 credit bureaus and XXXX XXXX. All 3 credit bureaus responded by putting a 7 year fraud alert on my account, when my information was never compromised. When I spoke to XXXX they admitted fault and removed the alert. XXXX and Experian have ignored my communications, and I have not heard a response from XXXX XXXX as of yet. 
I would like you to investigate the issue and determine if what I originally disputed was reasonable under the Fair Credit Reporting Act, and if it is, communicate to XXXX  XXXX and the credit bureaus the late payments from XXXX and XX/XX/XXXX should be removed. Further I would like you to counsel executives at each credit bureau when a fraud alert is appropriate. In my situation it was not. A parent 's stolen truck is not reason enough for an alert especially the only relevance it had was in regard to the dispute and my identity was never compromised. 
I can not communicate this to these people because I've made multiple calls and sent correspondence by mail. I did not attach documentation since XXXX, XXXX, Experian, and XXXX XXXX all recieved my dispute letters, dads death certificate, obituary, my daughters obituary, and the stolen truck report supporting my extenuating circumstances.
Product: Mortgage

I sent in a mortgage payment in access of my regular monthly payment. Fifth Third Bank applied the money only to my principle and not to my regular payment. They also charged me a late fee. It took several phone calls to get the situation rectified. Once I got someone to apply the moneys sent to my payment and then the overage to my principle I had to wait three days to confirm the changes were made to my account. When asked why they did this, I was told this was standard practice when large payments were sent in. When I asked how I make a complaint to the Consumer Protection Agency about this practice, the agent and her supervisor were unable to provide me with the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Correct the account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX