23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I went into the XXXX store in XXXX Indiana with my XXXX cousin, because she was looking to purchase a vehicle. I wasnt looking to purchase anything, because my vehicle was almost paid off I only had about {$300.00} dollars left and the truck was mine paid in full. The guy that was helping my son look for a vehicle, but then she decided not to buy from them. So the car sales man talked me into getting a vehicle, and I did the application an it came back that I needed a co-signer an he asked me if I knew anyone that would help me, and I said yes which is when I asked my grandma to and she said yes. Well I got approved with my grandma being the first one on the loan and me second. Not too long after that I found out that I was XXXX  which the XXXX was XXXX XXXX, and I couldnt work so I went to the XXXX store to explain my situation to them, and they told me that I had to speak with the loan company which was credit acceptance and I did to inform them that I was voluntarily returning the vehicle due to me not being able to work because of my XXXX XXXX XXXX I ended up losing my house, and moving in with my grandmother with my XXXX XXXX XXXX So in XX/XX/XXXX I received by mail that I was being sued by them for the remainder of the balance of the vehicle after they sold it in auction for over {$9000.00} dollars. I was not served a court date by the company by law enforcement for any of the court dates. The only court date that I was given was for them to garnish my wages, and I attended the hearing and the lady that came said that she wasnt a lawyer, and asking me so many questions which I answered them honestly informed her that I could not afford to have my wages garnished due to me being the sole provider for my XXXX children and I take care of my grandmother too. She said that she would talk to the company about me making monthly payments that was on XX/XX/XXXX and I have yet to hear from the company. I feel like the XXXX store and the loaner knew that I would not be able to make the payments and talked me an my grandmother into a contract illegally targeting me and my grandmother.
Product: Credit reporting

I have tried several methods of communication with the Credit Bureau Equifax to have them delete several of the inquiries on my report. I did not authorize them at all and when I called them last I explained my situation and they stated that all inquiries are factual without havin to investigate them it 's there policy. The inquiries are hurting my chances of possibly applying for a house or better vehicle. They state that inquiries do n't determine credit offer but all my denials have too many inquiries with in the last two years. I have send a dispute with they mail and their website and still no luck.
Product: Mortgage

I am writing to express my profound dissatisfaction and concern regarding the recent adjustment made to the interest rate on my XXXX mortgage loan by PennyMac Mortgage Company. It has come to my attention that the interest rate has been increased substantially, effectively cheating me out of the original lower rate that was agreed upon at the time of the loan origination. 

As a veteran, I rely on the benefits afforded to me through the XXXX mortgage program to secure stable and affordable housing. When I initially entered into the mortgage agreement with your company, the terms clearly outlined a specific interest rate that was in line with market standards and my financial capabilities. Now, PennyMac has cheated me out of that original interest rate, significantly impacting my monthly mortgage payments and overall financial well-being. They are literally cheating Veterans out of their lower interest rates in order to line the pockets of their investors and stock holders with no regards to the strife and undue stress they are submitting Veterans and their families to across the United States. I believe XXXX needs to be investigated along with the Department of Veterans Affairs for putting America 's Veterans through this! Making me sign a financial document when they knew the Department of Veterans Affairs was working on a remedy to this horrible situation they put us in without any financial or legal counsel is paramount to fraud, on the highest degree. I was made to sign a mortgage adjustment document under duress when the PennyMac nor the Department of Veterans Affairs would return my calls in a timely manner. So signing was done under duress at a time of high emotional and financial stress since I have been unemployed since XXXX XXXX, 2023. This sudden and unjustified adjustment to my interest rate not only undermines the trust and transparency expected from a reputable mortgage provider but also places an undue burden on me as a homeowner. I firmly believe that this action constitutes a breach of our contractual agreement and represents a blatant disregard for the rights and interests of your customers.
Product: Credit reporting or other personal consumer reports

I woke up to find unauthorized inquiries on my credit report, and I have no idea why. I checked my report like I normally do, but this time there were strange discrepancies. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries were still there. XXXX extremely frustrated and would appreciate if the documents Ive sent are reviewed carefully so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Account Balance : {$33000.00}
Product: Debt collection

Dear XXXX XXXX, I am writing in response to the letter I received from Southwest Credit Systems , L.P. ( " SWC '' ) regarding the above-numbered consumer complaint. I appreciate your response and your willingness to investigate this matter further. 

However, I am still not satisfied with the information provided by SWC and XXXX. In my original complaint, I requested a full bill of assignment that proves SWC has the legal right to collect this alleged debt on behalf of the original creditor. I also requested a bill of records that shows the details of the alleged debt, including the original creditor, the dates of the debt, and the charges. 

The billing statements provided by XXXX do not satisfy my request for a full bill of assignment and bill of records. They do not prove that SWC has the legal right to collect this debt on behalf of the original creditor. I need a legal document that proves SWC has the right to collect this debt, and until I receive that document, I demand that all collection activities be ceased immediately, including any reporting of the alleged debt to credit bureaus. 

Furthermore, I will not be mailing any disputes to the provided address. Instead, I will be conducting all matters through the Consumer Financial Protection Bureau ( CFPB ) to ensure that my rights are protected and that this matter is investigated properly. 

Please provide me with the requested legal document within 30 days of receipt of this letter. If I do not receive a satisfactory response within that time frame, I will have no choice but to pursue legal action to protect my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost importance regarding fraudulent items on my credit report. Despite my repeated attempts to rectify this issue, the fraudulent information continues to adversely impact my credit standing, causing substantial harm to my financial well-being. I first discovered the presence of fraudulent items on my credit report. Since then, I have made several attempts to dispute and remove these inaccuracies through the established dispute resolution process. Regrettably, these efforts have not yielded the desired outcome, and the fraudulent items persist on my credit report. This situation is not only damaging my creditworthiness but also causing significant distress and inconvenience. I am seeking your urgent attention to address the following matters : A comprehensive and thorough investigation into the fraudulent items on my credit report. Immediate removal of the inaccuracies from my credit report to prevent further harm to my financial standing. Confirmation of the resolution and an updated credit report reflecting the accurate and corrected information. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe it is crucial to rectify this matter promptly. Failure to address and remove these fraudulent items may compel me to take legal action to protect my rights and seek appropriate remedies. Enclosed with this letter, please find copies of supporting documents. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance Owed : {$150000.00} XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XX/XX/2022.
Product: Mortgage

I have been calling Shellpoint at least once a week since mid XXXX regarding a tax bill that was paid LATE by the company from my escrow account for my Town of XXXX taxes. Since it was paid late by Shellpoint, the late fee is Shellpoint 's responsibility. They used MY money from MY escrow account to pay the late fee of {$130.00}. I received a letter from Shellpoint ( attached ) admitting their error & I would be refunded this amount. I also was told over the phone multiple times by multiple agents ( on recorded lines ) that I am entitled to the refund. Every time I call I start the process over of explaining the situation. For almost 2 months, I am told it is pending, or it will be in review for 60 days, or it will be 3 to 5 business days to review & call me back, or sometimes told there was no error! Supervisors escalate the situation & say they will call me back but never follow through. Blatant lies on many occasions. I am still waiting on my refund and want my money now. I am done waiting. This is their error and the amount of time and effort I spend weekly on this is unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ACCOUNTS ON MY REPORT THAT ARE CLOSED WHICH SHOULD NOT BE ON MY REPORT AS WELL AS ACCOUNTS THAT HAVE INACCURATE DATA PER BUREAU. i HAVE SENT ACTION LETTERS DEMANDING REMOVAL AND I HAVE BEEN TOLD NOTHING HAS BEEN RECIEVED AND NOTHING CAN BE DONE. PER THE LAW VIA 15 USC 1692 AS WELL AS 15 U.S. Code 1681b - Permissible purposes of consumer reports THEY NEED TO BE REMOVED ME BEING THE CONSUMER. 15 USC 1602i. tHESE ARE ALLEGED DEBTS. I AM UPSET TO SAY THE LEASE THIS INFORMATION HAS BEEN Inaccurate and has caused major loss within my life as well as i have been harassed by these companies at terrible hours of the night and early morning. only i can validate any debt and none of these are validated. these charge offs and collections are unlawful per 15 usc laws 15 usc 1681a2-b what congress says should never be on a consumers credit report.
Product: Mortgage

MY LOAN SERVICER HAS NOT PAID MY COUNTY TAXES THAT WHERE DUE IN XXXX AND ARE NOW ACCRUING LATE FEES. I HAVE ATTEMPTED TO EMAIL AND CALL MULTIPLE TIMES. THE EMAIL RESPONSES I HAVE GOTTEN ADVISE ME TO CALL, WHEN I CALL ALL I GET IS AN AUTOMATED MESSAGE.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX Balance : {$160.00} XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Payday Loan company continually calls my family, they have asked for them to stop calling them.
Product: Mortgage

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. PHH Mortgage has committed numerous violations pursuant to federal law against me ; below are some of the violations such as 15 USC 1605 : I am being charged an APR, home insurance, I was charged a down payment and had to pay taxes and fees all which should have been included in the finance charge. I was not advised of my right to rescind- 15 USC 1635. They have committed four counts of 18 USC 1028A. 15 USC 1692e they have presented false statements, forms and contracts in an attempt to collect an alleged debt. They have violated 12 USC 1831n ( a ) ( 2 ) ( A ). They have continuously violated 18 USC 1341 by sending statements every month stating that I owe for an alleged debt. PHH mortgage has attempted to make me believe that they loan me credit which they are not able to do and according to 12 USC 1431 they are in fact the borrower not me as they have not loaned me anything also the alleged debt is not my obligation according to 18 USC 8. 15 USC 1602g informs me that I am the original creditor not PHH Mortgage. The alleged debt has been furnished on my credit report which is a violation of 15 USC 1692b ( 2 ).
Product: Credit reporting or other personal consumer reports

I got a personal devt consolidation loan from XXXX and made monthly payments of approximately XXXX per month on AutoPay. In the summer of 2024, I made a large payment to pay off my loan early. This large payment covered all the principal of the loan but a small amount was remaining on the balance for accrued interest from the last month. Then I called XXXX several times for the following reasons : 1 ) their automated system issued a statement showing a remaining balance of XXXX but amount due XXXX ( the typical monthly instalment ). I called to check if this was correct. They assured me that the account was on AutoPay and that AutoPay would only charge my checking account for the remaining balance not the full monthly payment. They said I do not need to take any other action. 
2 ) two months later I got a notification from credit monitoring stating that there was a missed payment reported by XXXX. My account was on AutoPay but they did not take the XXXX. I called them and said that I had the loan on Autopay and I think their automated system had a technical bug where my large payment may have turned it off ( although on my online account it still showed AutoPay was turned ON ). I asked them to process the payment for the full remaining balance minus late fees. They had added late fees to the most recent statement but I told them the late payment was due to their system malfunction so I will not pay that. They agreed and processed the balance. Then they sent me a letter stating my loan was fully paid.

3 ) I also asked them to fix the credit reports to remove the late payment because their system malfunction caused it and it was now hurting my credit score. They told me to file disputes with the reporting agencies, which I did. But my reports are still showing late payments. 
4 ) I was applying for a mortgage and the late paument was hurting my score and impacting the mortgage rates offered. I asked XXXX for a letter where they admit to their AutoPay malfunctioning and that the late payment was not my fault. They said they would send me this letter so I could give it to the mortgage brokers to improve my offered rates. XXXX did send me a letter but it did not admit to any system malfunction, it merely listed the dates that I had missed payments and when the account was paid off. This just made it look like I missed payments and it did not even mention their AutoPay.
Product: Money transfer, virtual currency, or money service

I am finally against Cash App due to in adequate customer service and unfair practices, which violate the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with the error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I am seeking appropriate redress for these violations. In XXXX my account was hacked and {$2100.00} was taken from my account. I have proof of the amounts being taken from my account.
Product: Debt collection

Form Intent to Move Out obtained & given to leasing office @ XXXX in XX/XX/XXXX. Actual move out in XX/XX/XXXX. 

Around XX/XX/XXXX, I was contacted by National Credit Systems , Inc Acct # XXXX to collect on Early Move Out/Reletting charges. 

Per discussions with XXXX, I was instructed to send Form that was turned into them at that time & debt would be removed. I sent form via email in XX/XX/XXXX. 

Note : On XX/XX/XXXX, I sent via us mail copies of documents : Email, Intent to Move Form, Money Order.Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. I later discovered the option to go online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX CBNA and XXXX XXXX hard inquiry on my XXXX report. I tried to freeze my credit with XXXX but they said I dont have a file with them to be able to freeze. XXXX asked me to mail all of my personal information ( including drivers license, copy of social security card, address and birthday ) to their XXXX XXXX XXXX in XXXX GA, but my XXXX XXXX says the hard inquiry is on my XXXX report. I want to avoid mailing my sensitive information since I already have a file with them. I was able to freeze my credit with the other XXXX major credit bureaus with no issues. I called CBNA to ask about this inquiry and they told me to mail the inquiry information to their XXXX XXXX XXXX in XXXX NY which I did.
Product: Debt collection

A company that I have never done any business with, nor have i ever provided this company with any of my personal sensitive information is reporting on my person credit report that I owe them money in the amount of {$460.00} I have never done any business with XXXX XXXX XXXX XXXX XXXX ).
Product: Debt collection

XX/XX/2018 American Express called my employer to speak to me about a debt. I asked them not to call my employer and they keep contacting me there. 
My co-worker informed me of a call at XXXX from a foreign speaking individual whom asked for me. Turn out it was the XXXX number from American Express.
Product: Mortgage

Last year I was awarded 100 % XXXX from the VA. Because of this, I no longer pay property taxes in Texas on my homestead property. In early XXXX I was notified by XXXX XXXX that my mortgage servicer had requested this information and had received it. In early XXXX I notified Freedom Mortgage that I had changed insurance companies and that bill lowered from $ XXXX to $ XXXX and I was seeking for the mortgage/escrow to be adjusted appropriately. 

I sent another message a week later ( after no response ). Last week they notified me that my payment would be adjusted in XXXX ( it has been ). In XXXX, the balance of my escrow was {$4800.00}. New insurance was paid for ( - {$1300.00} ) so the balance should have been {$3500.00} of which I requested be refunded. 

It is now XXXX and the escrow account shows that it is low, there is no disbursement note on the account, and I have not received return of my funds. Company has not responded to my email as of this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a collection on my report that is not mine, I have sent a letter in more than 45 days ago and have not got a response, It is stopping me from refinancing and causing me a huge headache.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

unlocking my credit removing all statements on my freeze and fraud alerts XXXX has failed to honor my request