23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX Village Capital XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX Re : Request to Review Basis for XXXX  of Loan Modification Account Number : XXXX Subject Property : XXXX XXXX XXXX XXXX, CO XXXX. 
Owner : XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Village Capital ), is refusing to follow the guidelines pursuant to HAMP. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although Village Capital is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.

Therefore, because Village Capital has been the designated loan servicer, I am asking that you look into the following issues : Did the servicer give me a fair opportunity to be evaluated under HAMP ( and all relevant laws ), because my application was denied for lack of documents despite SPS previously acknowledging that my loan modification/RMA packet ( packet ) was complete?

Although there is no pending sale date, is Village Capital intentionally declining to review my subsequent packet?

For what reason ( s ) am I ineligible for co-signer release? And, if I am not truly eligible, can you help me understand the reasons why I would be deemed ineligible?

In order to determine if I am eligibleand because I would like to receive the documents requested per a qualified written request ( QWR ) I had sent to Village Capital. The timeline to provide me documentation per the QWR has passed. Can you assist me in requesting the loan servicer to provide me ALL of the requested documents I am legally entitle to?

At present, there is no sale date on my subject property. From my review of the laws under HAMP, I understand that your office has the authority to investigate these types of matters and I am requesting the CFPB to assist me.

Thank you, and if you have any questions other concerns, please do not hesitate to contact me at the address set forth above. 

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

XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Are all reporting inaccurate information on my credit report reported by all three credit bureaus XXXX, Equifax and XXXX. These companies are reporting different balances and dates to each credit bureau. I have been asking them for the past 6 months to validate this debt to see if it belongs to me because I was recently hacked and wanted to make sure nothing else was taken as I have been trying to get a house for my mother and noticed all these items being reported. This is a direct violation of the FCRA and FDCPA. Ive given them ample time and as you know I the times we are in we have all been trying to adjust to new changes but not getting a response is unacceptable as I have been sending them letters since XX/XX/2020. Nothing has been updated on my credit report either. How can I make a life for myself if my credit is being taken advantage of by these companies that are suppose to " help '' us. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my XXXX XXXX subscription I get monthly. Update at once, Ive also reached out to a FCRA lawyer since you guys have leaved me pretty much no choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 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 card or prepaid card

I HAVE HAD AM ACCOUNT WITH AMERICAN EXPRESS SERVE FOR WELL OVER 4 YEARS. HAD HUNDREDS OF DEPOSITS AND 3 TAX REFUNDS DEPOSITED TO MY ACCT. THIS MORNING XX/XX/2020 I WOKE UP TO AN EMAIL SAYING I RECEIVED MY UNEMPLOYMENT DEPOSIT. AFTER THAT MY ACCOUNT WAS LOCKED AND FROZE AND WAS UNABLE TO GET ANY INFORMATION AS TO WHY. NO WARNING NO REASON THE MONEY JUST DISAPPEARED AND ACCT CLOSED. I CALLED THEM WAITED ON HOLD FOR 6 HOURS AND SPOKE TO 4 DIFFERENT PEOPLE, 2 SUPERVISORS AND NOT 1 OF THEM COULD GIVE ME A LEGITIMATE REASON AS TO WHY MY ACCT WAS LOCKED AND SAID THEY WERE UNABLE TO EVEN SEE  MY ACCT BECAUSE ITS LOCKED. I HAD {$980.00} IN MY ACCT AND NO ONE HAS AN ANSWER. THIS IS UNACCEPTABLE. I AM NOT SENDING MY PERSONAL INFORMATION TO SOME RANDOM PO BOX . SOMEONE AT AMEX STOLE MY MONEY AND I WANT IT BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened XX/XX/2022 Balance : {$200.00}
Product: Mortgage

We closed on a new construction home in XX/XX/XXXX and our home loan was sold to Seacoast bank in XX/XX/XXXX. Our monthly payments through the end of XXXX included an escrow of ~ {$830.00} for projected property tax and insurance payments for a total monthly mortgage payment of ~ {$3100.00}. In XX/XX/XXXX, they refunded some of the escrow to us and reduced the monthly escrow to ~ {$430.00} claiming that was the more accurate projected amount for XXXX, reducing our overall mortgage payment to ~ {$2600.00}. In XX/XX/XXXX, they sent an escrow disclosure document to us for XXXX stating that they had undercollected the escrow by ~ {$8000.00} in XXXX, and as a result of the shortage, our total monthly mortgage payment will be ~ {$4100.00} for XXXX to make up for their error. About {$900.00} of the shortage was due to a large insurance increase which I understand occurred statewide this year and was not necessarily able to be accurately projected or anticipated ; but the remaining ~ {$7000.00} seems it was due to them projecting a property tax cost that was on par with prior years for our lot- when it was unimproved land with no house built on it. Obviously, the addition of a home onto the land in XX/XX/XXXX substantially increased the property taxes, and this should have been EASILY foreseen and projected into their calculations for the XXXX escrow they were collecting for the property taxes to be paid in XX/XX/XXXX. Because the taxes are escrowed to be paid by the bank, we assumed the bank knew what they were doing with their math and projections, and so this red flag was overlooked by us, but it should have never been overlooked by the bank, who is responsible for collecting these payments. We now have to find ~ $ XXXX extra for all of XXXX to make up for this egregious oversight they made so they can recoup the shortage they caused. If we were able to just have paid the taxes directly and not had to escrow them, we would have spent time better researching and projecting for the increased tax cost and accurately projecting the taxes we would be owing, and not underprojecting them by over {$7000.00} due to a bank error of assuming property taxes on unimproved land would be the same the subsequent year when a house was put onto the land, and not putting ourselves in a hole like this for the entire next year. Had they projected correctly, our ~ {$3100.00} payment we had in XXXX would have stood for the year of XXXX, which we would have been able to manage- instead of a {$2600.00} payment in XXXX and jumping to {$4100.00} in XXXX. The error and large unexpected payment increase they are demanding due to the shortage they caused is ridiculous.
Product: Debt collection

Financial Asset management systems ( FAMS ) has steadfastedly refused to provide me a detailed balance statement on my account. In addition, FAMS does not have a contract with me to collect student loan payments from me. FAMS is engaging in illegal and abusive debt collection practices. The only rationale that I keep receiving on why my balance jumped from {$24000.00} to {$66000.00} is " interest. '' " Interest '' is not a sufficient explanation. I never received a detailed balance statement as to how this occurred and how this new balance was calculated. FAMS is trying to Collect on a balance that has not been shown to be correct which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS is engaging in unfair business practices. I have not been shown where my debt payments are being applied to. In addition, my credit report has not been updated to repayment status as I was originally told by FAMS. FAMS has repeatedly threatened me, and has engaged in abusive debt collection practices including hanging up on me and repeated threats that are in flagrant violation of the Fair Debt Collections Practices Act. Their lies regarding updating my credit report to repayment status after XXXX payments which never happened were flagrant violations of the Fair Debt Collections Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information on my credit report.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$23000.00} ACCOUNT OPENED ON XX/XX/2017 REPORTED AS CHARGE OFF UNPAID. 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 an 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 convictions 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I just recently started checking my consumer reports from XXXX, XXXX, and XXXX and I noticed a account I didn't recognize. So this prompt me to find out why and who I allegedly owed a debt to. I ended up finding out that Jefferson Capital Systems , LLC has been furnishing my information to the consumer reporting agencies knowing that they had never contacted me to make me aware of the alleged debt. Ironically on XX/XX/XXXX they finally contacted me with their initial disclosure ( six months after " Regulation F '' effective date XX/XX/XXXX ). It's clear that they've been using a deceptive tactic called " Debt Parking ''. To prove this I am listing the account and the last date this particular account was updated on my XXXX, XXXX, and XXXX reports. This will prove that they've been furnishing this account to CRA 's without following the procedures and rules of the FDCPA. 
According to 12 CFR 1006.30 a debt collector must not furnish to consumer reporting agency as defined in section 603 ( f ) of the FDCPA 15 USC 1681a ( f ) information about a debt before the debt collector either speaks to the consumer in person or by phone, or places a letter in the mail or sends a electronic message to the consumer about the debt and waits for a reasonable period of time to receive a notice of undeliverability.

Also according to 12 CFR 1006.18 ( d ) A debt collector must not use any false representations or deceptive means to collect or attempt to collect any debt. These two violations alone are more than enough to pursue legal action against Jefferson Capital Systems , LLC. Listed below is the account number and the last dates updated for further proof. 
XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Last Date Updated : XX/XX/XXXX I am also attaching photo proof of the initial disclosure and it's date, along with photos of XXXX, XXXX XXXX and XXXX reports showing last date this account was updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to dealership with-pre approval letter from XXXX XXXXXXXX, but somehow I now have unauthorized inquiries on my credit reports. An XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXXo ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX )XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a charge off with XXXX, they have failed to update the account as settled, they continue to show the debt on my report. I have requested and have disputed the account with them and they fail to correct it.
Product: Debt collection

This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : POSSIBLEFINA XXXX {$210.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
Ceaseanddesistasap
Product: Credit reporting or other personal consumer reports

I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I woke up to see that my car window had been smashed. Somebody broke into my car, took my wallet and proceeded to complete XXXX transactions on my debit card totaling over {$1000.00} I gave my bank, Chime, multiple opportunities to correct this and refund me my money. Every single time they deny my claim stating that the merchants used are close to my real location so therefore it cant be fraud. I have sent them a police report I filed on XX/XX/23 stating the same transactions Im disputing. When I ask for the documents their team used to see if it was fraud, the document they send me is full of data entry mistakes. I reopened my dispute 4 times since then to have them correct this and still Ive had no luck. I really just want my money back. 
In the attach documents section I have added the police report I filed. I added it in pdf form and through screenshots on my phone. Unsure of the better format.
Product: Debt collection

HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT DUE TO ID THEFT / CRA VIOLATION LATE PAYMENT THAT I NEVER LATE / TOO MANY DIFFERENT NAME, ADDRESS, AND INQUIRIES NOT AUTHORIZED BY ME.
Product: Debt collection

On XX/XX/XXXX I had a XXXX  at the XXXX XXXX XXXX in XXXX, Ohio. They made me pay {$100.00} up front before they would perform the XXXX, and give them an account number that the facility could draft monthly until the bill was paid in full. Three subsequent payments in the amount of {XXXX} were drafted XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That was the last draft until I received a notice in the mail on XX/XX/XXXX indicating XXXX turned in an outstanding amount of XXXX to XXXX XXXX XXXX for collections. On the statement from XXXX, it indicated that I had not made any payment to XXXX from the XXXX date of XX/XX/XXXX to present which is absolutely false, incorrect and a misrepresentation of the facts. XXXX did not auto draft the final amount from my account as they indicated, then proceeded to turn me into collections. I am not disputing the final amount owed of XXXX per my EOB 's from my insurance company I definitely owe them that outstanding amount and have made every attempt to pay XXXX directly. My issue is a ) they turned the amount into collections completely misrepresenting that I had made no payments, and b ) they refuse to let me pay the bill without going through the collections agency.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was transported to the hospital via ambulance by XXXX XXXX XXXX XXXX, XXXX ( original creditor ). At that time, my medical insurance provider was XXXX. The amount initially billed by XXXX XXXX XXXX, XXXX was {$4800.00}, but XXXX negotiated a discount of {$2200.00} leaving a balance of {$2500.00}. XXXX then paid {$2000.00} of this amount leaving a balance due of {$510.00}. At some point thereafter, this debt to XXXX XXXX XXXX XXXX, XXXX was evidently purchased by XXXX XXXX XXXX XXXX XXXX located in XXXX, California ( current creditor ). On XX/XX/XXXX, I received an email alert from XXXX that my previously exceptional FICO score had fallen by XXXX points. I immediately logged into my XXXX account and discovered that the culprit was XXXX XXXX XXXX XXXX XXXX located in XXXX, New York ( collection agency ) falsely reporting on behalf of their client XXXX XXXX XXXX, XXXX  that the balance due is {$2700.00}. On XX/XX/XXXX, I disputed the validity of the alleged balance due with XXXX XXXX XXXX XXXX XXXX along with XXXX, XXXX, and Equifax and provided proof in the form of my explanation of benefits from XXXX that the balance due is only {$510.00} NOT {$2700.00}. As of this writing, both XXXX and XXXX have removed the XXXX XXXX XXXX XXXX XXXX collections account from their respective credit reports on me entirely. Equifax, however, has refused to do so or to even correct the balance due from {$2700.00} to {$510.00} because the creditor has verified to our company that the balance is being reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

No matter what I have dispute with Experian they refuse to erase inaccurate information. They have sent me a notice stating they are unsure of what to delete and what to keep on my credit file which is unfair.
Product: Credit card or prepaid card

My credit card payment with US Bank was due on a Sunday. I paid on Monday morning ( XXXX/XXXX/XXXX ) the following day, and was charged a late fee. The credit card act of XXXX allows for payments that are due on Sunday to be paid without penalty on the following week day. I have asked 3 times for US Bank to reverse the charges and they have not done so. They have sent me an email stating they are forwarding my email to their " President '' for a response, which I have never received. They sent me XXXX a packet of the legal terms of my card. I am extremely appalled at the blatant refusal of US Bank to resolve my issue or even to respond in other than an enigmatic or a secondary manner.
Product: Debt collection

I have been paying on my accounts with XXXX and the agreement has been to remove the items after they have been paid and on some of my reports this has yet to happen especially months after the accounts were paid.
Product: Debt collection

The dates of this so called debt that I owe are wrong. It was an account that belonged to my ex husband and is not on his credit report either. The debt owed is over 7yrs old. I have disputed numerous times asking Meridian Financial to produce a signed contract by me stating that we have a contract and they can not produce one. This was removed from my credit report before and now put back on with a newer date!
Product: Credit reporting or other personal consumer reports

I see I had a XXXX XXXXXXXX from dealership of which I know nothing about or even try to obtain a loan from them. I saw it was done in XX/XX/year>. I have never tried to get a car finance from Volkswagen