23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Mortgage

They told me about this great Pandemic relief program.. And are not wanting to defer or modify.. also of the financial numbers don't add up. I don't understand how. Can't get person of contact on the phone or email back...
Product: Mortgage

I received my escrow account statement from my new servicer ( SLS Mortgages ). SLS obtained my mortgage from XXXX XXXX XXXX in XXXX 2015. SLS is trying to force me to keep 2 months escrow payment in my escrow account. The shortage is almost double the 2 month requirement. SLS tells me that they can require me to keep 2 months escrow payments in my escrow account. Is this correct? Why is it almost double the amount of 2 months. My escrow payment for my taxes and insurance is less than what the payment was before the analysis.
Product: Mortgage

In the course of our mortgage loan being purchased by XXXX XXXX XXXX from XXXX XXXX XXXX it was discovered that an additional amount of $ XXXX had not been forwarded or exchanged between the XXXX companies. The end result of their oversight somehow fell to the borrowers. We the borrowers filed a motion with the court to get the matter rectified, with the court ruling in our favor. The court ruled as we had stated that the $ XXXX owing was not as the result of the borrower failing to pay our monthly mortgage amount, but that the $ XXXX owed was to be ratified between the XXXX parties eliminating the borrowers culpability in the matter. Rushmore Loan Management Services purchased the loan and is keeping with the same practice as XXXX and has failed to honor the court 's ruling as well. To date the court 's ruling has been ignored by all parties. With the increase of the $ XXXX added to our monthly payment and the mortgage ballooning to 9 % we were forced to file chapter XXXX bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records I, therefore, request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Name : XXXXXXXX XXXX XXXX  ; Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Accounts : XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$650.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1100.00} ; Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the removal of charged-off accounts from my consumer report maintained by your credit bureau XXXX I believe that these accounts are no longer accurate or valid representations of my credit history and their presence is unfairly impacting my creditworthiness. 

I have recently reviewed my consumer report and identified several charged-off accounts that are being reported. I understand that charged-off accounts indicate a significant past delinquency, but I am requesting their removal based on the following grounds : Outdated Information : The charged-off accounts in question have surpassed the applicable time limits for reporting under the Fair Credit Reporting Act ( FCRA ). As such, their continued presence on my consumer report is in violation of the FCRA guidelines. 

Inaccurate Reporting : I have reason to believe that some of the charged-off accounts may contain inaccuracies, including incorrect balances or erroneous reporting of the delinquency. This misreporting negatively affects my creditworthiness and does not provide an accurate reflection of my credit history.

I kindly request the following actions be taken : Investigation : Conduct a thorough investigation into the charged-off accounts in question to verify the accuracy and compliance of their reporting.

Verification : Provide verification of the charged-off accounts, including details such as the account balances, dates of delinquency, and any supporting documentation from the original creditors, if available. 

Removal : Remove the charged-off accounts from my consumer report if it is determined that they are inaccurate, outdated, or in violation of the FCRA guidelines XXXX 

Communication : Keep me informed throughout the investigation and resolution process, providing updates on the status of my request and any actions taken to address the charged-off accounts. 

I understand that the removal of charged-off accounts may impact my credit report and scores. However, I believe that the continued reporting of inaccurate or outdated information unfairly penalizes my creditworthiness. I trust that your credit bureau will handle this matter with the utmost care and in accordance with the applicable laws and regulations. 

I kindly request a written response within 5 business days to acknowledge the receipt of this letter and outline the steps taken to investigate and address the charged-off accounts. Please include any relevant findings or documentation supporting the actions taken. 

Thank you for your attention to this matter. I look forward to a prompt resolution that ensures the accuracy and integrity of my consumer report. Should you require any further information or documentation from me, please do not hesitate to contact me using the contact details provided above.
Product: Virtual currency

Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Mortgage

I have always paid my mortgage automatically. However, when ditech took over my mortgage in XXXX 2016, my autopay was taken out incorrectly, replaced, then never corrected all without my knowledge until I started receiving collection calls. All prior payments and subsequent payments were made on time. I tried resolving with ditech over the phone over a couple months, multiple phone calls, etc. but the amount was wrong, there were late fees added, and the entire thing was a complete mess!
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions starting in XX/XX/2018, after settling accounts with several companies, I requested thru certified mailing via U.S. Postal Service that Exquifax, XX/XX/XXXX, and XX/XX/XXXXdelete negative or derogatory remarks and account status on these specific accounts because per Federal codes Sec. 609 ( a ) ( 1 ) ( A ) ; Sec. 611 ( a ) ( 1 ) ( A ) ; and Sec. 611 ( 50 ( A ) " ... promptly DELETE ALL information which can not be verified ''. Several requests for XXXX XXXX XXXX, XXXXXX/XX/XXXX, XXXX XXXX XXXX, and XXXX to validate and/or verify its alleged debt against claimant, which ALL companies failed to do so. Thus, since they have ALL been properly and legally compensated for any debts alleged against claimant on more than one occasion, ALL derogatory and/or negative remarks or statuses regarding previous accounts with claimant MUST per federal law be deleted immediately by ALL credit reporting agencies. Exquifax, XX/XX/XXXX, and XX/XX/XXXX refuse to delete the negative remarks and account statuses which are hurting the claimant and preventing him from the pursuit of peace, happiness, and stablility for him and his family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, Equifax, XXXX, and XXXX are claiming to investigate it but my contact to the court denies this. Equifax claims to get this info from XXXX who I did contact by certified mail with no response ...
Product: Credit reporting or other personal consumer reports

I'm writing to address an issue with my credit report from Experian, which contains inaccurate information. Several incorrect addresses are listed, but the correct address should be " XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' Additionally, there is another name incorrectly listed as " XXXX XXXX '' when it should be " XXXX XXXX '' only. Furthermore, my employer is shown as " XXXX, '' but my actual employer is " XXXX XXXX XXXX. '' This inaccurate information is causing unnecessary confusion and negatively impacting my credit. Please remove the incorrect personal information immediately, as it violates 15 USC 1681c ( a ) ( 4 ), which requires the exclusion of inaccurate data, and the maximum possible accuracy standard under 15 USC 1681e ( b ). I request that these errors be corrected promptly to ensure compliance with these legal standards and restore the accuracy of my credit report.
Product: Vehicle loan or lease

I have contacted primere auto credit on several occasions.. I purchased my vehicle in XX/XX/2018 and I had to get car repairs done in XX/XX/2018 that totaled an amount of over {$700.00}. When I asked if I could defer a payment I was first told to send in documentation to support my request. When I finally had my documents I was than told no I could not do a deferment and I did not need to send in any documents and in order to defer I would have to make a total of 10 payments. This was in XX/XX/2018. I have recently contacted them and requested the same thing and was told to send in paper work again. I declined and advised I was told something different in XX/XX/2018. I have tried speaking with a supervisor and the customer service reps I get the refuse to transfer me and say they are transferring me to a voicemail which I get hung up on. I am at the point I can no longer sit on the phone with rude unprofessional people trying to get correct answers to my questions regarding my loan.
Product: Mortgage

My wife and I filed a homeowner 's insurance claim to repair water damage. The initial payments were issued directly to us, but the project crossed a threshold where the insurance co-issued the check to our mortgage company. First they said they would endorse it with an invoice. We mailed them the check, but then they immediately returned it to us, and asked us to endorse it and return to them. Then they deposited the check into an escrow account without informing us or the insurance company. They held it without notifying us of what documentation they needed or how to ever get paid from it. They keep changing their story of what paperwork they need and how to get an inspection scheduled. The customer service representatives have no access to how to schedule the inspection, which company is going to perform it, or what to do when we are inevitably NOT contacted by any inspector. I believe they are intentionally holding onto our insurance funds as a company financial asset. They consistently refuse to put any communication or requests for documentation in writing.
Product: Money transfer, virtual currency, or money service

Leading up to XX/XX/XXXX I was talking with someone online who had convinced me to help them send money for some antiques they were supposedly getting and needed to make a down payment on. I foolishly agreed to help and while they told me they had wired a transfer over it had not come in so they sent me a check to deposit and than send through PayPal. I got caught up in the strangeness of the situation and sent the money when it " deposited '' through my bank. After doing so it hit me how foolish it was and I did what I could to undo the action. I put a dispute in with PayPal and notified my bank of the potential fraudulent check. My bank has been helpful and I've since made a new account and am working on transferring all my assets and payments to the new account. PayPal however does not see anything wrong since it was through me and it doesn't have protection because I incorrectly put it through friends and family and not business which is protected. I have put in complaints but they told me to try and resolve it with the person I sent it to and has stopped responding to my complaints and won't let me file another claim as they view it as closed. I had messaged the person saying I think this was part of a scam but they replied no it's not and I'm now no longer able to send messages to them. I've cut off contact with the original scammer who I was messaging through telegram.The check I was sent has since bounced and I do not have the money in my account but PayPal is still trying to charge me and I believe that they will likely not stop and put a bad mark on my credit for not paying even tho they sent money before even taking it from me and are trying to take it out after the check has already been rejected. I'm seeing what I can do but PayPal seems unlikely to help me so I read online to report it to this organization. I have also already placed complaints with the ftc and XXXX. The closed case despute with PayPal is case number XXXX for transaction XXXX. I was not aware that money laundering had gotten so advanced and want to help others from falling for the same traps that I did. Ideally I'd like to prevent PayPal from marking my credit more than it already is but I am unsure of what else I can do to resolve it with them besides paying XXXX worth that I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Product: Credit card

I am continuing to receive information from Citi despite cancelling the account several months ago. The account was closed in good standing and balance is paid in full. My complaint is the following Citi is violate federal privacy laws by maintaining my personal information in their company database. 
Citi and their affiliates continue to harass me by sending spam postal mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filled out an online inquiry for a pre-approval for a home loan on the website of XXXX in the morning of XX/XX/2022. Right after, we received a phone call from one of their lenders XXXX XXXX- a Sr. Loan Consultant. We described our situation to him and that we were looking for a pre-approval for a home loan. He assured us that he was licensed, so we agreed to ran both of our credit scores during this phone call, because he said that was necessary. He then sent us a list of items that we additional had to provide such as pay stubs, W2 forms, bank statements, drivers licenses, etc. He said if we provided these information until XXXX the same day, we would receive our pre-approval letter the same day in the evening. So we collected all the information necessary and uploaded everything through a link that he provided us in an e-mail ( see attachment ). 
Unfortunately, he did not provide us with a pre-approval on that day. Nor on the following days. We sent another follow-up e-mail to him on XX/XX/XXXX to see if he had an update regarding the pre-approval ( see attachment ). We did not receive an answer. 
On XX/XX/XXXX my husband received a phone call from XXXX XXXX XXXX. He had called us by mistake believing that we were different people. During that phone call my husband made it clear to XXXX XXXX XXXX who we actually were and that we were still waiting on our pre-approval letter and that he ran our credit and collected our personal information letting us believe we would be able to start our home buying process soon. We made very clear that we were rather upset with how our information were used with no outcome so far. XXXX XXXX XXXX assured us then that he would send us our pre-approval latest the day after. 
It is now XX/XX/2022 and we still have NOT received any further communication from XXXX XXXX or anyone else from XXXX XXXX XXXX. The company did therefore collect all of our personal and financial information, ran our credits without ever fulfilling their part of the agreement which was to provide us with a pre-approval.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$390.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX