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

I am writing to formally notify you that I am a victim of identity theft as a result of a data breach. 
Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and unauthorized inquiries from my credit report. These accounts and inquiries were opened or made without my knowledge or consent. 
Fraudulent Accounts 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 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: Debt or credit management

I applied for a debt consolidation with National Debt Relief for XXXX credit cards. The XXXX credit cards that I wanted relief from here is the break down : XXXX XXXX  : {$15000.00} reduced to {$8300.00} XXXX  XXXX : {$13000.00} reduced to {$7100.00} {$29000.00} {$15000.00}. 
Debt Settlement Fees {$7400.00} Other XXXX {$240.00} Deposits Made by You into XXXX XXXX {$4900.00} Amount Disbursed to your XXXX Account {$18000.00} This is settlement and the final numbers. I paid {$7600.00} to have my total debt of {$29000.00} reduced to {$18000.00} Now the recommendation is to move forward with XXXX XXXX to pay back National Debit Relief for the {$18000.00}. 
They had me agree to move forward with XXXX PRIOR to the final settlement. Furthermore the terms laid out in this new loan agreement ARE WORSE than if had just stayed with my creditors. I don't believe they gave me a true picture of these terms when I agreed. New terms : XXXX 24.985 %, Finance amount {$18000.00}, XXXX charge {$11000.00}, for Total payment of {$29000.00}. This is at XXXX payments biweekly @ {$260.00} and XXXX payment of {$260.00}. 

HOW DID THIS HELP MY SITUATION? I paid XXXX, made my credit score worse and now I'm in the same situation paying more $ to National Debt Relief by way of XXXX XXXX and its more money at a worse interest rate than I owed to my original creditors.
Product: Debt collection

XX/XX/XXXX I was served a summons from XXXX XXXX, XXXX. The demanded amount was {$7.00}, XXXX. 
Court file # XXXX On XX/XX/XXXX I called the number on the summons which is XXXX XXXX XXXX located The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Phone number XXXX I spoke to XXXX XXXX extension # XXXX I asked questions about my summons and came to agreement on a settlement balance of {$5000.00}. Winn law group proceeded to send me a stipulation agreement for the first year to pay {$25.00} a month and then the following year {$75.00} a month. I have been making payments ever since XX/XX/XXXX to present and never have been late. The payoff date stated in the stipulation agreement is on or before XXXX XXXX XXXX 
From XX/XX/XXXX to XX/XX/XXXX I have made payments in a total of {$2600.00} and the amount left owed is {$2300.00} from the stipulated settlement agreement of {$5000.00}. 
On XX/XX/XXXX I received a letter from XXXXXXXX XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. The letter stating I owe a debt in the amount of {$4.00}, XXXX with a reference number of XXXX I was confused and had no idea who the collector or debt was. I sent back a letter for verification of the debt. The letter was sent certified on XX/XX/XXXX I also emailed XXXX XXXXXXXX XXXX to verify the debt. 
On XX/XX/XXXX I received a letter from XXXXXXXX XXXX XXXX Letter stated original creditor which is XXXX and XXXX XXXX XXXX On XX/XX/XXXX I called Winn Law group, the original debt collector I was paying that I had a stipulated agreement of a settlement balance of {$5000.00} to ask them what is going on with my account. Why I never received a payment statement from XX/XX/XXXX and XX/XX/XXXX. Also to let them know XXXX XXXX XXXX was trying to collect from me on the same account. The debt collector I spoke to, XXXX XXXX. I spoke to XXXX XXXX ( Winn law group ) around XXXX XXXX She said that Winn law group no longer has my account that XXXX had it and to call the number on the statement. I called XXXXXXXX XXXX XXXX the same day XX/XX/XXXX. The operator that answered was XXXX XXXX. XXXX XXXX explained to me that XXXX bought out Winn Law group. I was very confused on why I was never notified of the change and received a new debt collection letter with a higher amount than I owed. Winn law group never notified me of this change and has broken the stipulation agreement. Winn law group and XXXXXXXX XXXX XXXX  has falsely claimed the wrong balance on the total amount owed of the stipulated account settlement of {$5000.00}. I have copies of all payments made from XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX that they no longer Have my account and it was given back to XXXX XXXX XXXX XXXX. Winn law group and XXXX XXXXXXXX XXXX  are both pending license application, and could not provide me with a license number when I sent the letter of verification of debt. They have failed to provide me with accurate information on my account balance. Winn law group and XXXX XXXX XXXX failed to inform me of them breaking the stipulated agreement and change of collection. Both also trying to collect more money than I owed.
Product: Mortgage

I received a call from Quicken Loan saying our escrow account was deficient {$1100.00} plus and we needed to pay it. The reason they gave did not make sense - that our escrow account was short that amount because our home owners insurance went up {$100.00} annually. We told them that did n't make sense and that our real estate taxes went down approx {$200.00} which would more then make up for it. Besides they had already paid the taxes in full in XXXX 2015 which we reminded them of. I explained to them that there were 2 options on how to pay - a total payment due in XXXX which they did or 2 installment payments one in XXXX and one in XXXX and it looked like they thought the XXXX installment needed to be added to the full amount they already paid. They could n't wrap their heads around this, insisted we had to be wrong but said they would check and get back to us. 

One week or so later they called with good news that they figured out what happened and of course it was what we had told them in the first place but now we only needed to pay approx {$300.00} plus for the escrow shortage which still did n't make sense but I 'm exhausted because we are going through an incredibly hard time in our lives and I agreed to what was offered to me which was to divide the amount up over 12 months. I 'm thinking I would address this later after things settled down for us. After that I received a call from a debt collector and I reported this to Quicken and they were very sorry and that should not have happened but they would take care of it. Next a statement or a phone call saying there was a {$23.00} late fee. I called Quicken and again sorry and they would reverse that fee. Another call from the debt collector - reported this to Quicken as well. 

Then they told me I was not making my payments on time. When we first started paying on this loan the due date of the XXXX came before my husbands soc sec check so we figured out together, Quicken and myself when it could be paid and still be in the grace period. This was their recommendation. And so it went until this bizarre call about our escrow account being short way back at the beginning of our complaint. On Apr XXXX my husbands XXXX died. On XXXX XXXX his XXXX died. On XXXX XXXX my XXXX died and on XXXX XXXX while we were at the funeral we got word my XXXX died. On Tues XXXX XXXX after returning from my XXXX funeral I opened a statement from Quicken showing an escrow shortage of {$530.00}. I called them and am waiting for a call back. 

Somewhere in these phone calls I asked if we could handle our own escrow. Because it is a FHA Gov. loan we have no choice but to escrow through Quicken. The only way for us to do our own escrow is to refinance into a conventional loan. 

You ca n't make this stuff up!!!! I feel they need to first fix this, then apologize and then compensate us for this entire matter that should not have happened in the first place. Included in this complaint is also a claim of harassment which needs to be addressed as well.
Product: Debt collection

Individual called and left a voicemail addressed to my mother using her name. Proceeding to make a claim that her son was in debt and if it was not paid her son I would be going to face criminal charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX-XXXX-Balance : {$990.00}
Product: Credit reporting

I was in collections with " XXXX '' and XXXX for some time but since then I have paid it in full, Transunion still says it is in an open status. It 's not
Product: Debt collection

On XX/XX/year>, XXXX XXXX XXXX XXXX, acting as a collection agency, placed a hold on both my checking and savings accounts for a total of {$6500.00} through a legal order ( XXXX XXXX ) for an alleged debt owed to their client, Discover Bank. The accompanying paperwork explicitly instructs not to contact the court regarding this matter. Upon further inquiry, XXXX XXXX XXXX XXXX admitted that Discover Bank has not yet transferred ownership of the debt to them. This raises serious concerns about the legitimacy of their actions, as neither party has conducted a proper investigation or taken steps to release the withheld funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian Consumer Assistance, I hope this letter finds you in good health and high spirits. I am writing to request the removal of a fraud alert that was placed on my credit report. I understand the importance of maintaining the security and integrity of credit information, but I believe the circumstances surrounding the fraud alert no longer warrant its presence on my credit profile. 

I had placed a fraud alert on my Experian credit report on [ Date ] due to [ briefly explain the reason for the fraud alert, such as a suspicious activity or unauthorized access ]. However, after taking necessary steps to resolve the issue and safeguard my personal information, I am confident that the risk of any fraudulent activity has been adequately addressed. 

To provide you with further details, I have taken the following actions to protect my credit and personal information : I immediately contacted the respective financial institutions to report the fraudulent activity and initiate the necessary measures to secure my accounts. 
I filed a police report with the [ Local Police Department ] to document the incident and provide evidence of the fraudulent activity. 
I have diligently monitored my financial statements and credit reports to ensure no additional unauthorized activities have occurred since the initial incident. 
Considering the steps I have taken and the time that has elapsed since the incident, I kindly request that you remove the fraud alert from my Experian credit report. Removing the fraud alert will allow me to proceed with financial transactions and credit applications without unnecessary delays or inconveniences caused by the alert. 

I understand that Experian may require additional documentation or information to process this request. Therefore, please inform me of any further steps I need to take or provide me with a list of supporting documents necessary to expedite the removal process. 

I appreciate your attention to this matter and your commitment to maintaining the integrity of credit information. Should you have any questions or require any additional information, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your prompt attention to this request. I look forward to a favorable resolution and the removal of the fraud alert from my Experian credit report. 

Yours sincerely, XXXX XXXX
Product: Debt collection

Received a phone call from " Capital Management Services '' on or about XXXX XXXX, XXXX. Kindly told the associate that I request no telephone contact and to please submit verification of the disputed debt in writing only. This was followed up with two written requests on XXXX XXXX AND XXXX XXXX, XXXX. Both letters stated the following in bold : " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me must be done in writing and sent to the address noted in this letter by XXXX. '' On XXXX XXXX, XXXX at XXXX XXXX I received yet another telephone call. The associate acknowledged the receipt of the letters but said there was no request to cease communication. I have retained copies of all communication and both make the request as clear as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called 911. I had XXXX my car insurance tow the car back on the lot on camera and XXXX XXXX XXXX refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.
Product: Mortgage

" Pursuant to my ongoing efforts to verify the authenticity of the Deed of Trust assignment recorded on XX/XX/year>, I respectfully request that Bank XXXX XXXX ( XXXX XXXX XXXX ) provide me with a certified copy of the Authorization document that empowered XXXX XXXX to act as Attorney-in-Fact for XXXX XXXX XXXX. 

My initial request for this documentation was denied, and I am reiterating my request in light of the apparent conflict of interest presented by XXXX XXXX 's dual roles as : - Assistant Vice President of Default for Carrington Mortgage Services LLC and Attorney-in-Fact for XXXX XXXX XXXX I believe it is essential to obtain this document to ensure the validity and legitimacy of the assignment. I would appreciate it if you could provide me with a certified copy of the Authorization document at your earliest convenience. 

Please note that this request is made in accordance with my rights as the homeowner.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to the inadequate customer service and unfair practices, which violate the Consumer Finacial Protection Act. ( CFPA ). Specficially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer ( EFTA ) and Regulation E. These actions have caused significant incovenience and finacial loss, and I seek appropiate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I was frauded in several ways, and somehow these accounts have appeared on my credit report : XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX. I have never shopped at either of these companies, yet I just got a notification from XXXX XXXX that my XXXX XXXX line of credit has been reduced because of delinquent payments on these accounts. I don't know how to correct this mess. Please advise. I need these removed from my Experian credit report. I have tried contacting them, and they said they would research this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a negative erroneous and frivolous 30 day late on my credit file and have not received a response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax XXXX XXXX XXXX : https : //eligibility.equifaxbreachsettlement.com/en/eligibility
Product: Debt collection

I contacted Transworld inc on XX/XX/2019 to receive verification of debt/original bill. They did not provide the information and stated the original creditor did not provide it however continue to report to the credit bureau 's. I tried to resolve this with them but they hang up on me and refused to let me speak to a manger. I have no resolution for this situation.
Product: Vehicle loan or lease

We turned in the XXXX XXXX XXXX a week early on XX/XX/2018. At the time of returning the vehicle, we forgot the 2nd key to be returned. We were told to bring it back as soon as we could with no deadline outlined or fee discussed. We returned the key some time in the middle of XXXX and yet were sent a bill for the disposition fee, exterior damage ( which did not exist and has since been waived ), and a lost key. XXXX XXXX told us to have the dealer email XXXX to confirm the key had been turned in. They did so. Upon calling back in 6 days after that email to confirm that the account was all paid and resolved, they claimed to have not received the email ( which I can provide ). They then claimed that they could not ask the dealer for money and that somebody needs to pay them for this key, me or the dealer. I've done what was asked of me, and yet they continue to move the goalposts to demand payment despite our completion of our obligations and following of the dealer 's and their instructions to closeout the lease.
Product: Debt collection

I've been a victim of identity theft, serval accounts have been open frauduelnt by some one who stolen my identity, fraud account reporting to my XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX GLOBAL LENDING SERVI XXXX {$6600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX
Product: Mortgage

My home mortgage was bought by Amerihome Mortgage. I set up auto pay with them. My mortgage agreement clearly stated NO escrow account for taxes and insurance as I personally review/pay these annually. Amerihome mortgage began, without my permission, have for the last three months added an additional {$1100.00} to the auto payment. I have contacted them 3 times and spoken to three different people. There customer service is a call center and can only write work orders, are unable themselves to escalate the issue and can not give me a name or number to directly talk to Amerihome Mortgage. The work orders just seem to be ignored. At the moment I have no way to resolve this issue and be reimbursed the extra money they have withdrawn from my account. In addition I wonder how many others have had this problem. The extra money they are holding could, if they were doing this to lots of people, could be a substantial benefit to them. Just not sure where to turn now.
Product: Mortgage

We sold the rental property at the end of XX/XX/XXXX. We then went out of town for XXXX and I forgot that I had an auto bill payment coming out of my bank account to pay the mortgage on XXXX, XXXX. {$1800.00} was sent to Mr. Cooper. Once I realized what had happened I assumed they would send the funds back, understanding that this might take a bit. However by XX/XX/XXXX the funds had not been returned so I called them to find out why. I spoke with XXXX in customer service who explained that since we had another loan with them, on our primary residence, they had automatically applied the funds there. I explained that 1st they should not have automatically done that prior to asking our permission since loan numbers were always provided and 2nd this was commingling funds since one is a rental and the other our primary. She asked me to send her a copy of a voided check to get routing number and account number to return the funds to us. She stated that I would likely see something within the week. She called my husband a couple days later and stated that the funds might be less since they had applied it to the other loan and they would need to take out interest. 
When nothing happened by XX/XX/XXXX I reached back out. This time I spoke with XXXX in customer service who forwarded me to escalations. I was connected with XXXX XXXX in the escalations department who stated she would handle it and again asked me to forward a voided check which I did. She sent an email to me on XX/XX/XXXX stating, : Good afternoon, I apologize for the delay, I did submit the request for the refund again, today. 
It should be in your bank account in XXXX days. 
Please email me around the XXXX if it is not. 
I apologize again for the delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX I followed up with her via email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all well after the 10 days she promised the XXXX would be returned. 
I then reached out again to Mr. Cooper on XX/XX/XXXX and asked again for escalations. 
I got XXXX XXXX who again stated she would be my single point of contact. I called her back on the XXXX of XXXX, XXXX and have had not response.
Product: Checking or savings account

I work day by day to make it to the next and I sent the money from a XXXX account to my active chime account earlier today around XXXX XXXX on XX/XX/year> as in starving and my wife went to the store only for it to be declined, we have XXXX on hold forever, I got through and the said they don't know when they can let me access my own money, I'm gon na lose my job of over XXXX  years, I'm so hungry I have no food I pay alot in XXXX XXXX, rent bills I have to borrow mine just to eat once a day if that and it was late tonight and now I just want to freak out XXXX can't use my money I have no gas moner, I'm stuck and we can't door dash eat nothing if I lose my job I lose everything if I don't walk XXXX miles I'm fired that's for sure I can't desk with this I need my mine, I want to sue them I am not ok this is not ok it's my money, XXXX so XXXX hungry this is not fair I owe people none and the think I'm lying in gon na lose my car and he sued for the remaining XXXX dollars if I don't walk to work that is far and the have my money froze and don't know when I can access it, it's not there XXXX money, I needed it hours ago, they can't do this, there ruining my life,