23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a follow up case after filing case number XXXX on XX/XX/XXXX and case number XXXX on XX/XX/XXXX. Specialized Loan Servicing has responded to my case by stating that I have missed my monthly mortgage payment on XX/XX/XXXX in the amount of {$1300.00}. I beg to disagree with SLS and I would like to show proof that I have made my monthly mortgage payment on XX/XX/XXXX. The payment of {$1300.00} was made through XXXX XXXX dated XX/XX/XXXX in the amount of {$1300.00} payable to Specialized Loan Servicing with tracking number XXXX. Funds were deducted from my XXXX XXXX account number XXXX. Attached is a true copy of the official receipt from XXXX XXXX as proof of this payment. I have also made my monthly mortgage payments for the month of XX/XX/XXXX on XX/XX/XXXX in the amount of {$1400.00} and for the month of XXXX  on XX/XX/XXXX in the amount of {$1400.00}. As I have stated before, I have always made sure that I pay my monthly mortgage every month before the 5th day of the new month.
Product: Mortgage

I have been in communication with my mortgage company, PrimeLending since XXXX of this year about suspected fraudulent activity by PrimeLending. Attached is the last letter I have submitted to PrimeLending on XXXX XXXX, XXXX by Certified Mail # XXXX. They have refused to address my concerns with silence and have continued to seek the monthly mortgage payments, nor have they addressed my letter prior to that seeking explanation for a purported loan from Primelending and proof with a copy of a check showing Primelending loaned me anything.
Product: Debt collection

On XX/XX/XXXX my father received a call from XXXX he was questioning about my where abouts and where I lived at. He told my father that was offering a job and was trying to get general information about me. I dad finally realized that this was not an employer and told him to stop calling he. He then began to hostile and my father hung up. 
The same number has contacted my mother more then 10 times  through out the day between the hours of XXXX-XXXX. He has threated her and told her that if she does not provide information about me he will pursue legal action. on numerous occasions my mother has told him to stop calling and harassing her. He called again on XX/XX/XXXX at XXXX and has threated her and harassed her. 
on XX/XX/XXXX at XXXX he contacted my work spoke to a student assistant and demanded to know if I worked there and the work site address. The student assistant provided the worksite address thinking it was regards to work. The phone call was transferred to my desk, and I explain XXXX XXXX XXXX to stop harassing my parents, sibling and friends. That my parents will be will be calling the police department in regards to harassment. I told him to stop calling me and hung up. 

I'm not sure who this person is, he is falsifying and pretending to be someone an employer, just to get information on me. It has been over a year and he continues to harass me. It has gotten to the point that he has contacted my employer. This is unacceptable. 

XXXX XXXX XXXX XXXX, XXXX XXXX is the information I have on this person.
Product: Checking or savings account

On XX/XX/2023 my online banking information was compromised, and money was moved via XXXX in the amount of {$750.00} to an unknown number. When this occurred, I was not in the states at the time. I was in XXXX and have the proof that I was there. As soon as I realized the XXXX payment was made from my account, I contacted Chase right away. Chase has denied the claim saying that the XXXX transaction looks similar to the ones I've made in the past. The number added by the hackers was not a number I have ever XXXX before. If Chase took the time to look at the IP address and pinpoint the location of where the hacker accessed my account, it would confirm it was not me as I was out of the country when it occurred. The transaction took place around XXXX and it was around XXXX XXXX in XXXX. It also shows there was another device added to my account when the transaction occurred.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 from XXXX XXXX XXXX with account number of 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 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 convi
ctions 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 card

I contacted Sears Credit Card Services on XX/XX/XXXXXXXX XXXX XXXX XXXX central time asking them why did you close my account with me still owing owing {$2700.00} min payment of {$86.00} at % 25.65 interest of {$58.00} are these fees. I have been paying on time. They said, Sear Card no longer uses my card, I said, no letter was sent to me informing me of these changes ; no request to change my card account to the new master card ; they said sorry we now use master card card so your account is closed out XX/XX/XXXX the with no notication or notice the closed. My account is still I good standing and you have ruined my credit and you expect me to pay you. I have had this card sincXXXX XXXX  and this thanks I get This close will affect my credit standing score and all my other cards now will be affected! Sear Card phone number is ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX XXXX XXXX  opened XX/XX/XXXXXXXX  balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXXXXXX  balance XXXX $ Unauthorized addresses XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX, XXXX, mi XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They told me that recovering lost funds was impossible and that tracking these funds was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX   XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX  XXXX  # XXXX, this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment this is not accurate please delete. I have never been late on my PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! 
Information belongs to someone else PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, & Equifax will not mail me a file disclosure of my credit report. After forwarding certified letters over the past several months, I am being rejected to view my report.
Product: Debt collection

the original creditor XXXX account was and is part of a chapter XXXX bankruptcy they have sold the account to another Leander for the 3rd time HILLCREST DAVIDSON AND A
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since my credit has been reported, it has been incorrect. I have attempted to fix it at various points in my life. However, the companies refuse to take any action. I have called, repeatedly, I have sent correspondence to confirm inaccuracies, repeatedly, but the companies continue to treat me as if I am lying about my own situations. My situations with the credit agencies has been heavily documented by myself and their agencies. I have a copy of each time I have attempted to repair inaccuracies on their part, but nothing has changed. The fact is, ever since I XXXX XXXX XXXX XXXX, the agencies have placed more and more obstacles in my way. Since the beginning, I wanted to use my XXXX XXXX to build wealth and fix problems. Once the debt collection community, business community, and others saw my tenacious spirit, they have done nothing more than heckle and make it even harder to reach my full potential. As I have stated in all of my other complaints, I refuse to let them continue to dictate the direction of my life now, and at any other point in my future. 

Transunion customer service is garbage. I've talked to other people of other ethnicities, other ages, etc. and I know, FOR A FACT, they do not treat all similarly situated individuals the same. For this, I am ashamed of their inability to follow through with the requirements of the FCRA. This is not, currently, a class action suit, but, I have enough know how, and backing to make it one.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Halsted Financial Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Halsted Financial service : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 

XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 

XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 

XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Hello : MRC Receivables CORP sent me a later stating I owe money from a old debt back in 2005. XXXX XXXX, 2005, MRC Receivables CORP. Court costs {$2900.00} Failure to comply will result in arrest. It is a violation of the Fair Debt Collection Practice Act for a debt collector to sue me or threaten to sue me if it knows the statute of limitations has passed. The statute of limitations has passed and this file has been deleted from my credit report.
Product: Debt collection

On XX/XX/XXXX I had a minor claim ( hit and run ) on a vehicle I had rented from XXXXXXXX XXXX XXXX. My insurance paid all of the damages to the vehicle- {$1100.00}, but XXXX said I owed them diminution ( loss ) of value, administration fees and loss of use. 

I verified with my insurance company that these are not causes for loss in this type of claim. I reviewed my rental contract carefully and also discovered the Physical Damage Waiver I signed did not specify these types of claims for any loss. 

On XX/XX/XXXX, I sent a letter of final payment and conclusion of the claim to XXXX with a notice that I would contest the additional unwarranted and unsubstantiated charges. I also stated that I would not pay the additional fees and would contest them if they sent the file to collections. 

At the end of XXXX, XXXX, I received a collections notice from First Financial Asset Mgmt. Inc. ( FFAM ) claiming an additional {$300.00} owed. There was also an offer of a reduced payment of {$220.00} to " resolve this indebtedness ''. 

On XX/XX/XXXX I spoke with a representative at FFAM and sent them an email with all of the information concerning the claim including my communications with XXXX.
Product: Mortgage

My mortgage servicing bank ( BB & T ) was purchased by TRUIST bank and since that time I have received no correspondence. TRUIST has failed to deliver my 1098-B for the XXXX tax year, they've failed to deliver any documentation to my address. When I call their customer service ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX x2 ) to verify my address and correct it on file, I'm told documentation will be sent but it never does.
Product: Debt collection

I was a victim of identity theft. Account shows on my credit report as a charge off. I requested a 1099-C as verification. Never received XXXX. This is not my debt.
Product: Credit card or prepaid card

I applied for a credit card to improve my credit score. The card was referred to me through XXXX XXXX. The credit card I applied for and was approved to get is Avant ( product of XXXX ). I was approved in XXXX of 2022, I haven't received the physical card as of yet. I communicated with there customer service a total of 7 times in reference to not receiving the card to no avail. I had two of three cards cancelled due to not receiving them. The third card was issued over 7 days ago and I haven't received it. I have been charged the {$39.00} annual fee without having the physical card. I XXXX   Avant credit for reviews and this seems to be a common issue of clients not receiving their Avant credit card. I just want my Avant credit card.
Product: Mortgage

I was pre-approved for a mortgage with PennyMac. We were set to close on XX/XX/23. They have had the signed purchase contract since XX/XX/23. We locked a rate on XX/XX/23 of 4.99 % for a 15 year fixed conventional loan. Yesterday ( XX/XX/23 ) they tell me the rate was never locked, and that rates had gone up and best they could do was 5.87 %, yet I had emails from them proving it was locked. They asked me to send those emails to them. I did. Today ( XX/XX/23 ) they call me and tell me they can't fund my loan. Clearly they didn't want to lend at the lower rate I had locked in. Now, me and my family, including a XXXX XXXXXXXX vet, XXXX kids, and pets are going to be homeless as we are living in an XXXX  until we close. This should be criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

Collections XXXX XXXX Opened XXXX {$300.00} XXXX Opened XXXX {$400.00} XXXX XXXX Opened XXXX {$420.00} XXXX XXXX Opened XXXX {$480.00} XXXX XXXX XXXX Opened XXXX {$540.00} XXXX XXXX  XXXX Opened XXXX {$620.00} XXXX XXXX XXXX, Opened XXXX {$850.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1100.00} XXXX XXXX Opened XXXX {$1100.00} XXXX Opened XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Currently on-time 3 Missed XXXX XXXXXXXX Currently on-time 1 Missed Other loans XXXX XXXX XXXX 
Currently late 7 Missed XXXX Currently on-time 1 Missed Inquiry details XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX  XXXX ( Hotel and travel ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX Needs attention XXXX XXXX XXXXXXXX XXXX error 30-59 days late {$250.00} XXXX error Needs attention {$3500.00} XXXX XXXX error Needs attention {$1100.00} XXXX XXXX XXXX error Needs attention {$1100.00} XXXX XXXX error Needs attention {$1000.00} XXXX XXXX error Needs attention {$990.00} XXXXXXXX XXXX XXXX  error Needs attention {$850.00} XXXX XXXX XXXX error Needs attention {$620.00} XXXX XXXX XXXX error Needs attention {$540.00} XXXX XXXX error Needs attention {$480.00} XXXX XXXX error Needs attention {$420.00} XXXX error Needs attention {$400.00} XXXX XXXX error Needs attention {$300.00} XXXXXXXX XXXX XXXXXXXX. 
error 120-149 days late {$3600.00} XXXX  error 30-59 days late {$1800.00} On time XXXX XXXX  126 % credit card utilization {$620.00} XXXX XXXX -1 % paid off {$5500.00} XXXX XXXX -9 % paid off {$1800.00} XXXX XXXX -2 % paid off {$1500.00} XXXX 0 % credit card utilization {$0.00}
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX I went to a XXXX atm inside XXXX to withdraw money. I put my card in and tried to make the withdrawal, I got an error message that said the transaction could not be completed. I knew that I had just gotten paid and had money in my account so I tried to make the withdraw again. The second time the money was disbursed {$60.00}. I took my cash and receipt and left. I got a notification from chime and checked my account and it said I withdrew XXXX twice and it took the money from my account. I contacted chime and showed proof that I only withdrawed money once XXXX so they filed a dispute and said they would investigate. They denied my dispute so I called them and asked why. Customer services told me the the person handling my dispute did not do it correctly so he filed another dispute. Not even 12 hours later my dispute was denied again, even though I showed proof my receipts from my transactions. They will not give me a reason or refund my money. I am going to close my checking account if they do not fix this. I know that they did not investigate that quickly or they would know that I didnt get money twice. Chime is horrible about making things right with customers. My money was taken from my account and they will not give it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are reporting incorrectly on transunion and on XXXX  credit reports. I have disputed many times for them to delete this account off my credit report due to inaccurate information. They refuse to delete the account. According to the fcra incorrect information on a credit report should be removed.
Product: Debt collection

The Frontline Asset Strategies Collection agency woman called me on XX/XX/2023 at XXXX from an unknown number listed on my phone as " XXXX XXXX MI '' ( XXXX ) XXXX. The call was 7 minutes long. I did not know I was answering a call from a debt collector. The Frontline Asset Strategies Collection agency woman spoke very fast and forceful in voice tone regarding a debt with my name on it that is a debt between XXXX XXXX XXXX and XXXX that I have case and ticket numbers for in trying to resolve it over the last 15 months. She repeatedly told me the debt is my responsibility and those companies are not responsible and that I need to pay today. When I tried to explain my situation to her about not having any money or income to pay today she said " Well you need to get a job! '' I don't have a job because I care for my XXXX XXXX daughter. When I told her that information she disregarded my situation repeatedly asking me how and when I was going to pay. I attempted to explain to the woman that I would call the company XXXX XXXX XXXX that is responsible for this debt in an ongoing case. I offered my case and ticket numbers and she refused to take them telling me that the debt is my resposibility. The woman hung the phone up on me not allowing me to finish my explanation. Sadly how she talked to me and treated me made me cry as all my efforts I've made to resolve this debt for the last 15 months ; which is not my responsibility at all were disregarded. I think the woman said her name was XXXX but I could be wrong because she was speaking so fast and forceful. I'd like to call Frontline Asset Strategies Collection agency and ask for the woman 's name but I am afraid to call Frontline Asset Strategies because I don't want any trouble or feelings of shame and fear again. I've never been spoken to like that before. I was in shock. My heart is broken hearing the Frontline Asset Strategies woman tell me to " get a job '' when my XXXX XXXX daughter is at stake here and this is a debt that is not mine. XXXX XXXX XXXX is responsible and it's been an ongoing struggle with them.
Product: Debt collection

15usc 1692 ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication with the consumer.