23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carrington Mortgage Services LLC Loan No. # XXXX Phone No. # XXXX Ext : XXXX Fax : XXXX XXXX XXXX XXXX was my first and only lender until XXXX XXXX XXXX bought XXXX XXXX XXXX on or about XX/XX/XXXX. <P/>After XXXX XXXX XXXX bought XXXX XXXX XXXX their sales personnel campaigned hard on me to refinance for a lower monthly payment on my mortgage. <P/>I, XXXX XXXX XXXX didnt know any better so my wife and I refinanced with XXXX XXXX XXXX. I believe we were tricked into refinancing. <P/>After 5 long years of giving XXXX XXXX XXXX all the documents they requested for working out a Short Sale the Short Sale personal finally agreed to allow me to do a Short Sale. <P/>XXXX XXXX XXXX agreed to a payoff of {$200000.00} in which they would be paid in full. <P/>On or aboutXX/XX/XXXXI called XXXX XXXX XXXX and customer service answered and informed me that they now longer service me and they sold my loan to Carrington Mortgage Services LLC.
<P/>I called the XXXX XXXX XXXX customer service department and asked the representative why XXXX XXXX XXXX sold my loan for pennies on the dollar to Carrington Mortgage Services LLC and take a loss when they were going to be paid in full? <P/>The XXXX XXXX XXXX customer service representative told me that they have the right to sell my loan to anyone and anytime they want to. <P/>On XX/XX/XXXX I submitted a complaint with the CFPB No. # XXXX against XXXX XXXX XXXX and asked very hard questions about producing documents. <P/>XXXX XXXX XXXX response was that they gave everything to Carrington Mortgage Services LLC and I would have to contact them for any requested documents. <P/>I dont believe Carrington Mortgage Services LLC can produce the XXXX XXXX XXXX to XXXX XXXX XXXX documents Because XXXX XXXX XXXX, in my opinion never had them. <P/>In my opinion its as though XXXX XXXX XXXX never had any documents to give and XXXX XXXX XXXX covered their tracks by getting me to refinance. <P/>The question below is a very important one and I believe that 's why XXXX XXXX XXXX sold my loan to Carrington Mortgage Services LLC.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, XXXX XXXX deleted 2 collections from my credit reports ( as they did not belong to me ). Equifax deleted both. On or around XX/XX/XXXX, a dispute was initiated for obsolete inquiries, they were deleted. At some point around that time Equifaxs faulty system split my file into two, blocking multiple trade lines, good and bad. At the time I had no idea what was going on, and called multiple times. Spent countless hours on the phone with reps. At this time EQUIFAX reinserted  XXXX  XXXX. This is a direct FCRA violation. Speaking with multiple reps, Im being told submit a dispute. I thought perhaps Equifax would straighten this out themselves with the thought in mind that they have this information as XXXX XXXX obviously sent this information to them before. Nothing happens. Eventually I get a rep whom straightens out the spelling of my middle name, and he again tells me I must file a dispute. My issue is, it takes 30 days to have a dispute done why should I have to wait 30 days? Im telling you XXXX XXXX deleted this themselves, they sent me a letter, you have this info available in house which a rep did confirm, however I have to spend money for a dispute ( bc Equifaxs faulty system also has me locked out of the dispute portal ) either mailing or faxing. Against my own wishes, I submit a dispute XX/XX/XXXX. I also provided the letter XXXX XXXX sent. During this wait I managed to get a rep named XXXX on or around XX/XX/XXXX, who spend 40 plus minutes on the phone with me and finally contacted the consumer affairs department and got my file straighten out. Everything was merged back together. At this point I notice that three collections from XXXX XXXX were also on my report. XXXX XXXX on or around XX/XX/XXXX, deleted themselves from my report as well. This didnt upset me too much, bc I figured that my report was in some sort of black hole, which is probably why. I waited a few days for it to sort it self out. I call Equifax, I told to file a dispute. Absolutely NOT! You have this information!!!! Why should I have to? Ive emailed equifaxs executive offices multiple times. To make matters worse, I received a response from my dispute on XX/XX/XXXX this past past Saturday XX/XX/XXXX, in which they state this XXXX XXXX was verified?!!?!!? Hooooowwwwwwwwwww? They claim they never received my fax with supporting documents?!? This is ridiculous!!! Equifax is NOT properly investing bc I can assure you they have this information internally, and also XXXX  XXXX would not verify this as THEY SUBMITTED FOR DELETION! this is ridiculous, and I can not understand how and why they are continuing to violate my consumer rights by not complying!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

this is additional information concerning my complaint number XXXX. My Names is XXXX XXXX. 
I did some research on my own and the loan I took out in XXXX was a Bank of America Clean Sweep Loan, however this loan was done over the phone with a customer representative. The Loan was a one time deposit of {$37000.00} dollars and the fixed rate of 15.9 % which came to payments of {$660.00} for 72 months ( 6 years ). The representative was clear on the fixed rate. I understand those loans may have been advertised by Bank of America as variable rates through other advertising for these type loans. 
The deception here is the customer service rep closing the deal. I would never sign on for a variable rate loan, having already bought a house with fixed rated, my automobiles are fixed, he sold me on the fixed rate, the payment amount and the length of the loan. 
As I state before Bank of America has since discontinued these loans in XXXX according to their customer representatives, to include calling them line of credits and credit cards. 
My most recent conversation with their representatives is that XXXX, as in my previous complaint I was told they would investigate further, but the customer representatives I spoke with on XXXX XXXX, XXXX had no notes or action taken on my account. so we spent XXXX hours on between being on hold and one customer representative and a supervisor trying to give me an explanation as to what may have happened. 
After an attempt to say I have more payments because I missed payments from the representative who knew nothing about these loans of programs, the supervisor acknowledged that I had never missed any payments. Her final answer was that I had a variable rate when I took out the loan, and that in XXXX the loan was changed to a fixed rate of 15.9 % and the 60 month term started then. The 60 month term that is reflected on the document I submitted with claim XXXX, that they provided to me. 
None of what I have been told had added up. First the loan has always been 15.9 %. To claim it went from a variable to fixed rated, and term starting two years after I have had the loan, is questionable. The supervisor telling me the 60 month term went into effect in XXXX tells me they have not kept an accurate history of my account, like I said before I have paid over 90 months ( almost 8 years on this account ). 
In summary the Bank of America Clean Sweep Loan is what this started out as. This customer service rep presented this loan as fixed rate fixed payments. Bank of America has done modifications to this loan, in XXXX and XXXX. The customer reps and supervisors have made it clear they have not been able to articulate an accurate history of my account, that is either because the account history is incomplete, has too many modifications to articulate accurately or they are towing the party line and facilitating unethical practices for Bank of America.
Product: Student loan

Started many programs with Navient to which each year something changes. This time was n't aware the income based repayment program had to be renewed each year. Now they 're telling me that I have to add {$420.00} dollars in interest more to my loan in order to forbearance or it takes 15 days for them to renew my terms. I 'm not trying to keep sending my information every year, I 'm frustrated and want to hurry up pay off my loan. I 'm tired of paying fees and paying for these loans and they are not going anywhere, just seems like they are adding up.
Product: Debt collection

XXXX XXXX I am responding to your notice that you placed in my consumer re-port under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Best Regards,
Product: Checking or savings account

I made a deposit of XXXX from one bank account to another by writing a check and using mobile deposit on XX/XX/XXXX. I make this same transaction often. Truist has put a hold on it and will not release funds until XX/XX/XXXX. I called the issuing bank ( this is a money market account through XXXX XXXX via XXXX  XXXX XXXX ). They have debited the funds from that account and see no reason for it to be held. They said it looks like a normal transaction. I tried calling Truist. Their customer service agent didn't seem to understand the question and tried to explain that funds were available the next day. When I explained there was a hold on it, he put me on hold and after 5mins they hung up on me. They seem to be unable to explain why there is a hold and no funds have been released.
Product: Credit card or prepaid card

So as a XXXX  I try supporting XXXX owned businesses such as XXXX I made a purchase at XXXX XXXXn XXXX and then started making payments on it and was finally able to make the last payment in XXXX of XXXX. I know this is not what XXXX is for. It making a purchasing and paying ir off in 4 payments every 2 weeks. 

I suffered a motor vehicle accident and also while I was being treated for a motor vehicle accident I suffered a XXXX XXXX  making me forget the payments on the XXXX count and after tying up loose ends and getting back to work and getting back on my feet I was reviewing my credit report and XXXX  is saying that Im having a charged off balance with {$270.00} and hes unable to allow me to make purchases even though I have a purchase limit of {$350.00}. 
I know that XXXX  makes the decision to approve or decline a purchase at the time the purchase is made but because I have a incorrect charged off balance of {$270.00} I believe The computer system automatically declines any transaction regardless of the amount or the transaction total because all of the transactions I have tried Ive been under my limit of {$350.00} and also have a credit card on file that is valid and a checking account that is valid with a positive balance and a credit card that has a available balance of at least {$200.00} so I know that I can make the down payment and continue the payments every XXXXo weeks when it is due because I made the first three payments on time but now XXXX is reporting a incorrect balance to the three credit reporting agencies and late payments which is a violation of the fair credit reporting act and is subject to civil litigation. I try and support XXXX supported and owned businesses as being an XXXX service member but it seems that XXXX doesnt care or doesnt want the business from fellow service members or XXXX and I find that insulting. I have included proof that the total balance has been paid from the XXXX app on my phone and demanding that the XXXX account be removed completely from all credit reporting bureaus and that my XXXX  privileges be reinstated and be able to use my limit of {$350.00} as I meet the minimum requirements. 

I have tried contacting customer service twice in the past month Im not good on exact days that Ive contacted them but customer service has no clue what I am talking about or there is a conflict of language being that they are in either another country the XXXX or XXXX I am not too sure I wanted to support XXXX  over the other 4 make payment program such as XXXX or Zip. They are more then happy to take money and use their service but XXXX doesnt care and just declines purchases based upon inaccurate information that they are reporting to the credit bureaus and that is in their computer system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$55000.00} XXXX  XXXX Balance : {$20000.00}
Product: Credit reporting or other personal consumer reports

I just reviewed a copy of my credit report and i found this fraudulent account. Please remove these account. This is hurting my ability to obtain credit. 

XXXX XXXX XXXX - Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yelow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.

Please make all listed below update or deleted in my credit report!
Product: Debt collection

This collection Agency Midland Credit Management recently sent a letter advising of ALLEGE debt with creditor XXXX. The letter listed a random account #, amount owed, date the account opened, andthe date the debt was charged of. As of now, I am disputing the validity of this debt and I am requesting that XXXX  XXXX, the creditor indicated on the letter send me viamail " REAL PROOF '' regarding this alleged debt. Also, Midland has NOT considered the STATUE OF LIMITATIONS which varies per state when they bought this account in 2019.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.