23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carrington Mortgage was in charge of servicing our loan from XXXX XXXX, XXXX XXXX, 2015 and they never paid our property taxes from our escrow! The property taxes were due by XXXX XXXX, 2015 and still have not been paid as of today ( XXXX XXXX, 2015 ). I have been in contact with Carrington mortgage several times with regards to this matter, through e mails ( corresponses with XXXX ) and even phone conversations with a women by the name of XXXX in there Tax disbursement department and have gotten nowhere. 
They have since sold my loan to a new mortgage servicer effective XXXX XXXX, 2015 we are now with XXXX XXXX. I have spoken to several people at XXXX XXXX and as of today XXXX XXXX has never sent me a welcome letter or a loan number or even a statement. I was under the impression that they had 15 days to get that to me which they have failed to do and when I contact them they said that they still have not logged my loan file into the computer so they dont see anything. I women by the name of XXXX from XXXX funding is telling me this morning that they sent out a welcome letter on friday, XXXX XXXX which I do not believe to be true because I gave ive been checking the mail every day and still nothing and today is now the XXXX. I then aske Her if she could fax me a copy of the welcome letter ... she was not able to produce it to me because she said my loan wasnt entered into there system yet! I too have sent several letters by fax, had countless telephone conversations with several of there staff, with ragards to my property taxes not being paid back in XXXX of 2015. And i am being told that once i am logged into there system that they can try to look into the property taxes! Im frustrated beyond belief and I feel like Iam getting the run around! I need answers! i have even been in contact with the XXXX and they have not received any response from Carrington Mortgage! There is so much going on with these XXXX mortgage companies that needs to be looked into! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded the document from XXXX  as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that XXXX is looking for is XXXX XXXX also called XXXX XXXX XXXX, " XXXX, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find XXXX XXXX explained in the Article : XXXX XXXX XXXX XXXX   XXXX : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at XXXX XXXX dictionary 4th edition. 

The XXXX text is found on the tombstones of a grave. XXXX XXXX is the engraved image on the tomb, the written text of the dead. It is debased XXXX, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of XXXX, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

XXXX keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.
Product: Debt collection

I have tried calling for 2 months to set up a payment plan with XXXX XXXX. All I can do is leave messages with them. XXXX told me they can not talk to me. They told me I have to talk with Performant. Performant will not return my calls or letters. I have not received any communication from them. In fact, they had my address listed as something in Mississippi. I am just trying to pay them.
Product: Student loan

When I graduated in XX/XX/2020, I did not receive my diploma. I would call the school and they said they couldn't find records of me when I JUST graduated. Then time passed and with covid I was trying to get a job since I finished and could not be hired anywhere. The school promises a job when you graduate so I would call to see why they could not hold their end of the deal and they shut me out and said I had to re enter and do my classes ALL over again. My loans were forgiven and I had them disputed but recently they showed up again and I'm fighting my case because I could not use my degree since I have no diploma of proof.
Product: Debt collection

To Whom It May Concern : I am submitting a complaint regarding inaccurate credit information and improper debt collection practices by XXXX XXXX XXXX ( also doing business as Maury Cobb Attorney at Law, LLC ). Despite my disputes, they continue to report incorrect debt information related to an alleged XXXX XXXX. 

On XX/XX/XXXX, a collection account was added to my XXXX, XXXX, and XXXX credit reports by XXXX, showing I owe {$730.00} on XXXX and XXXX and {$730.00} on XXXX for a XXXX XXXX. However, XXXX failed to properly notify me of my right to dispute this debt and also has an incorrect address associated with the account. 

I have no knowledge of this debt and assert I do not owe XXXX Collection Services, Maury Cobb Attorney at Law, LLC, or XXXX any money. The inconsistent balance amounts they reported on the three credit bureaus also demonstrate the inaccuracy of this supposed debt. XXXX XXXX XXXXMaury Cobb Attorney at Law LLC has no proof of this debt actually belonging to me. 

I sent XXXX a written dispute on XX/XX/XXXX explaining all these issues but received no response. They continue violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act by failing to validate this illegitimate debt and not correcting erroneous credit information when disputed. 

I am prepared to enforce my rights under federal and state debt collection laws through legal action if they remain non-compliant. Please help me resolve this issue with XXXX XXXX XXXXMaury Cobb Attorney at Law LLC . 

The account number : XXXX for Maury Cobb Attorney at Law LLC and the one reported on my credit report lists a partial account number but is : XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX/XXXX/15 my house got damaged because of very strong winds. Per " XXXX XXXX '' insurance the damage included the roof, ceiling of the living room, etc., in total amount of {$11000.00}. They quickly sent the check and instructed to contact our Loan company ( Seneca Mortgage Servicing ) for loss draft. Ever since XXXX/XXXX/15 I called them around XXXX times, faxed and mailed out all the documentation they requested, however ; even though I have spoken to different representatives at different times, it appeared that they were just reading a ready script, repeating the same thing over and over ( " please, allow us 7-10 business days '' ). It is worth to mention that even after 40 business days they still have n't done anything. So, I requested to speak to a supervisor, who XXXX XXXX XXXX XXXX called back on XXXX/XXXX/15 and left a voice mail on my phone stating that within 3-4 business days the " whole thing will be done and you will have the check '' ). I was shocked when after 7 business days of waiting I called back and the next representative told me the same script " please, allow us 7-10 business days ''. This is a mortgage company that is suppose to make sure that consumer 's house does n't go to foreclosure, instead, because of their careless attitude I literally live without a roof, the damage of my house gets worst and worst, since within 3 month there have been more winds and rain. Neighter the representatives, nor the supervisor care that my family 's health and well being is under a big question mark. 
I would like to request your assistance in getting my insurance check ASAP since it became impossible to do business with Seneca Mortgaging Services. 
Thank youXXXX XXXX
Product: Mortgage

My home was foreclosed and sold on XX/XX/2015 with the sale price paid off in XX/XX/2015 yet the mortgage company ( Caliber Home Loans ) still shows a {$59000.00} balance on my credit report. I filed a dispute with the credit report agency and Caliber affirmed the balance still owing.
Product: Credit card or prepaid card

I called Capital One on XXXX/XXXX/XXXX about late fees charged to me in XXXX XXXX and XXXX XXXX. I paid bill electonically from my checking account, but bank delayed both payments. XXXX was duecto holidays and XXXX because the XXXX due date fell on Sunday so Monday the XXXX was the next busiess date. I tried to have fees removed but representative declined to do so,
Product: Credit reporting, credit repair services, or other personal consumer reports

this is about Experian credit report scores that are different when scores are accessed from two different sources. I pay for a credit monitoring thru my bank, I received an alert and check on it at approximately XXXX XXXX XXXX XX/XX/2021 It showed an excellent rating of 780+ from Experian. I also got an alert from Experian, I check on the score about 3 minutes later and it showed a good rating of 720+. How can these numbers be so different. when the same agency is being used to check the scores within 3 minutes of thing to check scores. It appears when I access the Experian website it wants to sell me something to boost my score, and if I purchase one of the products my score will be boosted. This tells me that Experian than manipulate the scores at will. Lowballing your score so you buy one of their products.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX Account # XXXX has violated my rights. XXXX XXXX account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried five times to freeze account since XX/XX/XXXX both online and then by calling the telephone number they sent me via usps mail. Froze both the two other bureaus within 5 minutes. 
Currently been on telephone hold with Equifax for one hour five minutes on the number they gave me and still waiting. This company should not be in business in U.S.
Product: Credit reporting

They continue reporting XXXX XXXX aka XXXX which is incorrect and have damaged my credit for years. Also, they continue to allow hard inquiries when I added a fraud report and asked them to stop. Even more, accounts were opened without my permission and the credit card company sent them letters to remove the accounts, yet the hard inquiries remain damaging my credit. I hate filing these but every time I try to file my dispute through their site I upload everything and hit submit and nothing happens. IT 's stuck. I will show a screenshot of where I got and repeatedly hitting submit does nothing.
Product: Checking or savings account

I HAVE BEEN A WELLS FARGO CUSTOMER FOR MANY XXXX AND EVERY TIME I AM OVERDRAWN ON MY CHECKING ACCOUNT, THERE IS A {$35.00} XXXX.
Product: Debt collection

STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX N/A XXXX N/A XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I want to emphasize that this late payment is not reflective of my actual payment history with the respective creditors. This may has been extenuating circumstances or errors that led to this late payment entries, but this is not accurate representations of my financial responsibility. 

I am entitled to accurate and up-to-date information on my credit reports. Therefore, I request that your bureau conduct a thorough investigation into this inaccurate late payment.
Product: Money transfer, virtual currency, or money service

I tried sending money on Friday XX/XX/2021 to pay rent and the payment never reached the recipient and then a duplicate amount of money was also taken from my account a 2nd time as a request totaling over {$3000.00}. When I tried to reach Cashapp by phone the first time, a recorded message said they didn't have phone reps available. Then I tried to find another phone number and reached a company posing as Cash app told me to download a remote app. When I was finally able to reach a legitimate Cash app representative that following Monday, I was handed off to several reps for the past two days saying they would look into it. Today I was told ( through email ) the payments were completed and there was nothing they could do and to contact my bank ( which already did on Friday ). After doing some research, this has happened to 3000 people this past year and Cashapp has done nothing to correct the problem. Please look into this and warn customers not to use Cash App. I have been dealing with this for over a month no one can provide a record of the transaction - which is odd. Now my rent is behind, my checking account is overdrawn - customer service is non-existent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX, n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account with JPM Chase was opened XXXX XXXX, XXXX XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/XXXX when I told Chase, via phone, that my bank account on file experience fraud and I had to change the payment account with Chase to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. Chase kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/XXXX. I would like to have the charge off and closed account removed from my credit because this is the fault of Chase. I've reached out to Chase several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. Chase should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.
Product: Mortgage

Under freedom of information request I would like to request any XXXX filed by rocket mortgage in regards to account XXXX and any XXXX the remic has on file in regards to this account.
Product: Vehicle loan or lease

I contacted Ally Bank regarding a 90-day extension request attached herein. I have previously disputed the late payments reported by ALLY Bank and feel like they are retaliating for my complaints. The value to debt ratio is inverted and the title is prejudiced due to fraud on the part of the selling agency. I have been told by the XXXX XXXX that they can not take the car in on trade, even though XXXX XXXX  XXXX XXXX authorized the vehicle for resale after replacing defective parts. XXXX is now calling the vehicle a lemon and telling me I am just stuck with the auto. I owe {$13000.00} the value is @ {$9000.00}, which is well below value due to the lemon identifier. Further, the XXXX reports prevent the vehicle from being sold. When the vehicle was sold to us, we were provided a fake XXXX Report indicating the airbag recall was the only issue with the car. That is not the case. I took the vehicle to XXXX XXXX in XXXX Georgia who performed all warranty work and on three separate occasions the sales managers contacted me to buy the vehicle due to its condition and maintenance record. When I finally became interested in trading for a new vehicle, it was sprung on me that the vehicle could not be accepted by the dealership. This responsibility falls upon XXXX XXXX   XXXX XXXX. During the interim, Ally Bank should honor the 90-day extension request.
Product: Debt collection

Begin on XX/XX/XXXX the company Sunrise Credit Services call with a local number so you think to answer it. I answered a few times they ask if its me and wouldnt give any information. I told them I was recording them they said they were recording me then the women on the phone starts harassing me so I hung up. They call over 5 times a day repeatedly at times starting at XXXX XXXX until XXXX XXXX. They accuse me of owing money to a school that shut down because it was bought out. Theyre student platform didnt work I called to get help was told they saw no complaints on this. 2 days later they withdrew me I tried to get re accepted they said I owed {$2500.00} plus fees. The school was XXXX University and then switched to XXXX XXXX University when they closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$2100.00}
Product: Mortgage

I was buying a house in XXXX, Arkansas At XXXX XXXX XXXX XXXX, Arkansas, XXXX. 
In XXXX I entered into a Contract of Sale Owned by XXXX XXXX, ( Desease ) XXXX XXXX. 
I paid XXXX monthly. This doucement was filed in : XXXX XXXX, Arkansas, on XXXX XXXX. 
It is recorded in XXXX XXXXXXXX XXXX  XXXX. After making payments fro 5 months. 
XXXX XXXX died. 
A law firm representing Wells Fargo. By the name of XXXX XXXX XXXX XXXX  XXXX XXXX, Arkansas. 
Sent me a letter stating that Wells Fargo Had foreclosure on the property .I had 20 day 's to leave the property. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I still feel I was treated un justly.l reached out to Wells Fargo,. 
I spoke to XXXX XXXX about this matter. 
I never heard from her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH TRANSUNION AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES. TRANSUNION AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently Checked my Equifax report. it has alot of inquires, that should not be there. I disputed them a few Months ago. they are still on there and they are dragging my credit score down. and making it hard to get approved for credit card offers.
Product: Debt collection

I have received multiple bills from this collection company, but after research have discovered that they are not authorized to collect this debt in the state of Hawaii.