23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing this letter about mistreatment by American Southwest Mortgage and I contacted them for assistance with my mortgage payments and the loan being serviced by XXXX Mortgage XXXX and dealing with XXXX XXXX - Loss Mitigation Specialist and she advised that American Southwest Mortgage will only consider extend the terms and I asked for other options and she said a person by the name of XXXX XXXX with XXXX XXXX Mortgage spoke with the CEO and he agreed with the decision and I called XXXX and called the CEO spoke with XXXX and she advised that the XXXX does not speak to customer and I stress to her how important it is for me not to have any late and now they are reporting on my credit the XX/XX/2016 late and due that my job could be in jeopardy and I made a principal and interest payment and I asked XXXX over and over about my credit and now I could lose my job due to that late and also my house because they would not even consider any of the options and the reason I am having problems, please look into how they treat there customers when it comes to seeking help to keep your home
Product: Debt collection

I have never heard of this company and know 100 % that the debt is not mines
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is to follow up despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 
Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the fraudulent items : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$7200.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I am a victim of a job scam, on XX/XX/XXXX as an employee under the person I was told to deposit {$9000.00} to my personal account from a beneficiary account. The employer gave me all the information to add the external account. Bank of America has a verification system for external accounts so I thought this was secure. I was to used the funds to buy bitcoin which I was able to do with {$8000.00} but not the {$1000.00}. The bank said they decided to close my account without any details. At this point I realized I was in a job scam and cut contact from the employer. I reported it to the FBI and called Bank of America in helping the resolution. Later in the year I was told that I would need to pay back the {$8000.00} myself so I filed a claim to dispute the charge. The charge was not lifted due to the fact that I used my card and that their records show a receipt of transaction. But it is still fraud, I faxed 50 pages of evidence with different interactions between me and the scammer and still they stayed with their decision. They clearly don't care about the principal of fraud and more so that it was XXXX being owed. Not their money not their problem so instead of doing a proper investigation they have punished me.
Product: Credit reporting or other personal consumer reports

On summer of this year I called Discover to ask to differ three payments of my personal loan. Discover over the phone offered and approved my request. I was told that my credit will not be affected. Arbitrarily, Discover violate the agreement and started reporting to the credit bureaus. 

XXXX XXXX months I have being calling them to fix this issue and they are evading their responsibility. Continuously Discover is telling me I have to wait. They are playing the tired game with me. 


I want from them stop reporting viciously and fix my credit report immediately.
Product: Credit reporting or other personal consumer reports

The accounts listed on this report are fraudulent. I demand investigation and removal from my social. I did not give consent and authorization to opening these accounts. Listed below are the fraudulent accounts : XXXX XXXX XXXXXX/XX/XXXX, {$1400.00} XXXX XXXX XXXXXX/XX/XXXX, {$700.00} XXXX XXXX XXXXXX/XX/XXXX, {$1300.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$690.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX, {$1600.00}
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 Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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

NOTICE TO DELETE FROM CONSUMER REPORTING AGENCIES NOTICE TO CEASE AND DESIST INTENT TO SUE AND WILL SUE LOVE SUING PLAINTIFF : XXXX XXXX XXXX XX/XX/year> DEFENDANT REPEATED OFFENDER : 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 XXXX XXXX I NEVER GAVE CONSENT TO USE THIS NAME IN COMMERCE XXXX XXXX XXXX STOP VIOLATING THE FDCPA USC 1692D EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.

ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. Sincerely, .XXXX XXXX XXXX  XXXX Living Woman, Beneficiary of acct # XXXX XXXX XXXX not the trustee UCC1-308 WITHOUT PREJUDICE
Product: Mortgage

In XXXX of XXXX  I was behind with my payments of my mortgage. The amount was XXXX. I explained the mortgage what happened and they considered and said that a modification was a good thing to do. I send the paperwork that they asked me even I told them my hardship and said yes. You can qualified and always asked for paperwork that wasnt easy to get, I mean to the same week o the month and the balance was increased. My situation was serious and no answer for them they transferred my mortgage to other company, believe me was a nightmare they did this to hard. I read in a law code that a mortgage can consider a low payment until the person get recovered can do the same payment as used to do. But no., never applied the law for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I closed my bank and credit card accounts I had with Suntrust. At the time, I paid off all remaining balances on my credit card and removed all money held with their bank. Nearly two years later I had noticed negative marks on my credit score due to unpaid balances with Suntrust. I submitted a dispute through XXXX and Suntrust claimed that their information was valid, and sent an explaintion using their records. According to their own report I had a balance of {$69.00} in XX/XX/2019 and I paid {$79.00}. For XX/XX/2019 I had a balance of {$9.00} and paid {$310.00}. The following month XX/XX/2019 ( despite closing the account ) I somehow had an owed balance of {$10.00}. Again this is from documents Suntrust provided me when claiming that the money I owed them was valid. I believe these numbers they presented are completely fabricated. Which is obvious from the incoherency of the accounting between XXXX and XX/XX/XXXX I can validate all of this information with documents that suntrust provided to my XXXX account.
Product: Debt collection

Overview : I was contacted by a collection agency ( GC Services ) about a sizable debt not owed by me. According to them, this debt is from a previous employer ( XXXX XXXX XXXX XXXX ), where I resigned 33 years ago back in XXXX. 

History of Interactions : I have had 3 calls with GC Services since their original call to me in XXXX. I have emailed written descriptions and verbally explained explained that I have nothing to do with that company because I resigned 33 years ago back in XXXX. 

I also pointed out that prior to my resignation, my role was XXXX XXXX XXXX and a minority shareholder. I was never a Director for this Company. 

The Missouri Department of Revenue ( MDOR ) has evidently contracted with GC services for this debt owed to the MDOR during the years between XXXX to XXXX some 20 years following my resignation. 

Additionally, on XX/XX/XXXX my wife and I spoke at length with GC Services ' XXXX XXXX. She asked that we go to the MDOR 's website to fill in Form # 126 ( Registration of Exemption Change Request ), to officially remove my name as an officer, since XXXX XXXX never did this back in XXXX. This was completed and emailed to XXXX XXXX XXXX XXXX and the MDOR. 

It should also be noted that GC services and MDOR, were aware that I resigned and abided by the Corporate bylaws by surrendering my stock ownership certificates back in XXXX. This, in fact, was a requirement of any officer who departs the business yet they are ignoring this information when they call and write. 

Their relentless insistence on claiming that I have ignored all their communications, couldn't be further from the truth. I have asked GC services in my last communication on XXXX to cease their unwarranted harassment, yet the phone calls continue. 

Please help me abate this unwarranted harassment.
Product: Mortgage

My mortgage is serviced by Fay Servicing, last year due to the pandemic i applied and got approved for forbearance. Even thou in forbearance, Fay Servicing reported all payments as late to all credit bureaus also even thou there was a moratorium on foreclosures Fay Servicing placed my property into foreclosure. 
After being enrolled in forbearance for about six months I paid Fay Servicing everything that I owned them as well as the foreclosure fees. After ending the forbearance I asked them to remove any late payments reported to credit bureaus while I was in forbearance, they refused to do so. 
Fay Servicing is not following the CARES act Mortgage Loan Foreberance nor the Foreclosure Moratorium. 
Fay Servicing acts very reckless and extremely rude. 
Their practice do not follow the law, rules and regulations. Fay Servicing refuse to remove any late payments from credit bureaus so they could keep myself locked into their higher mortgage rate at 5 % for 40 years mortgage. 
Many of their customers are in a similar situation. 
The XXXX XXXX XXXX has published an article about Fay Servicing reckless behavior in XX/XX/2020, there was no response from Fay Servicing nor any investigation into their practice. 
As of today Fay Servicing has been receiving great financial support from government thru PPP Loans and TARP Bailout Program, so at least they should follow the law and regulations.
Product: Mortgage

I am finding out my house got sole last week I got a modification offer from Ocwen 1st payment due XXXX 2016 next due XXXX 2016 I did not understand it said i owed XXXX with a XXXX Balloon also showed my escrow of XXXX my escrow was and is XXXX I ask them to explain they said were getting me the infomation I keep calling over and over the same thing and when I called on XXXX XXXX, I was told since i did not pay in XXXX the Mod was off I ask to explain what i have and would have paid if they got back to me and why can i not make both payments so again they would check into it and get back with me. I been calling and got a call from a realtor yesterday my house was sold back to the bank and he wanted to give me money to sell it I was never told it was being we have good jobs and can pay for it this was my grandmother home the only place me and my kids have lived i been paying on this mortgage for 11 years I do n't know what to do Please help me save my home!!!!
Product: Credit reporting or other personal consumer reports

This letter is to inform the company mentioned of the inconvenience due to the data breach of my personal information, which led to my identity being stolen. A report was made with the proper bureaus regarding this situation, in the year of XXXX and XXXX. With that now mentioned, a request for my information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I attach proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Look forward to hearing from you. Thank you for your cooperation.
Product: Debt collection

I am complaining about how XXXX is handling a mistake that they made which is affecting my credit, as they are not making any effort to resolve the issue after several months of attempts by me to get to resolved. All of the effort is on me to get them to fix their mistake. I already had XXXX service in XXXX with XXXX lines. After making sure the service worked OK, I ported my XXXX XXXX numbers to XXXX. In XXXX XXXX, I wanted to add a XXXX line to my Family Plan, where a XXXX line would be only {$10.00} per month, plus the cost of financing the cheapest smartphone ( adding about {$5.00} per month XXXX. I did this in a store. They made a mistake and created a new account instead of adding to my existing account. When I realized this, I called to get it corrected. Instead of moving the phone and service over, they billed me for the phone and calling plan in its entirety, as though I wanted a new phone and a one month plan. Even after XXXX months, that barely comes to {$170.00}, but their billing to me was for a single month of service and the phone. I called again and thought it was resolved. Meanwhile, the XXXX line was working on my Family Plan. Then, in XXXX XXXX, I got a collection notice. I will summarize the rest in saying I made literally hours of calls multiple times, and in XXXX cases got escalated to " supervisors '' that said they understood and could resolve the issue. Nothing has been done. XXXX reps claim that the charges have been " validated '', meaning they did nothing to look into it. XXXX isolates that credit group from the public so there is no way to speak with them, and there is no way to get it resolve. I have sent a written dispute and they changed to yet another collection company ( that is owned by XXXX ), and they are offering no time to resolution nor anyone to contact. After XXXX months and hours of my time, my credit is still affected and I can not make a home purchase. Their reps have no clue what to do, and their hidden " accounts receivable '' or " collection '' group does nothing. This should not be legal, and their mistake should not be my burden to exert such effort for. If I charged them how they charge me, they should owe me about {$150.00}. I am filing a complaint because there needs to be repercussions for this sort of behavior. My only other option appears to be suing them, but with that, there is no record of a consumer complaint. I have paperwork supporting my case.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692c ( c ). Despite sending a formal cease and desist letter on [ Insert Date ], Experian or their associated agents have continued unauthorized communications and collection activities related to an alleged debt. 

The specific details are as follows : Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX XXXX  XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX These actions constitute harassment and a violation of my federally protected rights. Case law such as XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), affirms the consumers right to request cessation of communication. Experians failure to honor my demand not only disregards my legal rights but has also caused significant distress, including emotional harm and damage to my financial well-being. 

Specific Issues : Continued communication despite a formal cease and desist notice. 

Failure to respect my rights under the FDCPA. 

Harassment through unauthorized collection attempts. 

Impact on Me : These ongoing violations have caused : Emotional distress and mental anguish. 

Reputational damage, as I have had to repeatedly explain this situation to creditors and others. 

Financial harm, as their actions may have adversely affected my credit report or score.
Product: Credit card or prepaid card

I opened an account via carecredit.com XX/XX/XXXX to help me afford a XXXX XXXX that was performed today on XX/XX/XXXX. The promotion was an interest free for 6, 12, or 24 months. The six months was forced upon me as a take it or leave it deal, an arrangement that is not possible for me to pay in that timeframe. And failure to pay in that timeframe now results in a punitive and usurious interest rate of 26.99 % ( given my credit rating I should qualify for less than half that rate ). I called to closed the account and was given the run around. I asked for a supervisor and was put on hold for nearly twenty minutes while the recording said " please hold for the next available escalation specialist ''. I asked for a supervisor, and I got the run around yet again. This is an outfit that preys upon the vulnerable that are in need of medical care with terms designed to be impossible to take advantage of the " promotional '' rate. This payment " option '' was promoted by the XXXX as a way to help me afford the procedure, but in actual fact it is turning out to be far more expensive than if I just put my cost on my regular credit card.