23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX Rushmore service center no caller Id XXXX XXXX XXXX XXXX XXXX XXXX North Dakota XXXX XXXX Did not have consent to call cell phone *as follows with TCPA laws and regulations. 
He stated that he will not argue with me, when I wasnt arguing with him he was very rude, but the way that wasnt his first time calling my CELL PHONE from a business with PRIVATE CALLED. He asked to speak with me but before he knew it was me he just gave me debt information and I asked him why is he calling from a private number and he stated he have no control over the phone number and I asked one more time why not from the company phone. 
Did not verify information went right into the mini miranda and asked when can I pay in full of {$500.00} from XXXX XXXX credit card. I asked him if I can speak with a manager, he placed me on hold for 2 seconds and stated no manager was available. I mentioned I will be contacting my lawyer. 
I also mentioned the second day he called private to NOT CALL MY PHONE he said okay and hung up and called me again next day less than 12 hours away. 
Not to say the debt isnt mines but he violated my privacy. 
The dates for the unknown calls are 2 calls on XX/XX/2019 ( NO CALLER ID ) @ XXXX & missed call at XXXX 1 call XX/XX/2019 ( NO CALLER ID ) @ XXXX
Product: Mortgage

We have refinanced out loan ( # XXXX ) leaving GMFS on XX/XX/2017 ( funded on XX/XX/2017 ). Since then we continue to get the run-around regarding the refund of our escrow account from the prior mortgage company - GMFS. An example of this is them telling us 1 ) your loan was sold to another company XXXX ... after we chased that rabbit trail we discovered this was not true, 2 ) you owe us a balance to replenish your negative escrow account, 3 ) looks like we owe you about {$200.00}, 4 ) the notes show that we paid your taxes to XXXX twice and now we have to wait 15 days for it to be refunded ( {$2600.00} ) ... ound and round we 've gone with misinformation being provided. No one calls us back when they say they will. No one can provide us with a statement or summary of our Escrows. 

Additionally, we 're disputing the payoff that was generated on XXXX for our refinance. They claim an initial loan balance of {$580000.00} + interest thru XX/XX/XXXX of {$6600.00} ( our P & I payment is only ~ $ 3k, thus this clearly does not account for our payment made on XX/XX/XXXX for {$4300.00} ), but they wo n't acknowledge this + advance {$2600.00} ( pmt made to cty for taxes that were not due ) + a few misc fees = total payoff of {$590000.00}. They wo n't acknowledge that our payment was n't applied appropriately and thus they owe us that payment back for {$4300.00}. 

The most frustrating piece of the whole situation is we ca n't speak with anyone that has any information. We are only allowed to speak to Cust Service, who then sends an email to the " Client Management Dept '' who apparently wield all the knowledge and information. They will respond to our request by sending and email back to Cust Service who will then reach back out to us. However, we have been calling almost daily for nearly 2 weeks and have yet to receive a call back. Then today during our call, the Cust Service Supervisor advised that she had to provide them 48 hours and therefore we likely would n't receive a response back until XXXX, but " probably XXXX ''. Today is XXXX. XX/XX/XXXX. 

Unfortunately, because we are continuously receiving misinformation, we 're not getting return calls as promised, we 're not able to speak directly with anyone who can provide us with accurate information, and their not able to acknowledge the amount owed to us or provide us a timeline on when we will receive our money, we feel it necessary to file a complaint with the CFBP. Please help us advance movement on this, so we can get a resolution and move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out a dispute letter to Transunion disputing multiple items that I had discovered on my credit report to be inaccurate. I have yet to receive any form of communication from the credit bureau that an investigation has been opened per my request to reinvestigate these items in question. Under Federal Law, the credit bureau has 30 days to complete this investigation which they have failed to do so.
Product: Money transfer, virtual currency, or money service

I was given an insurance check that needs the banks endorsement before we can get our roof fixed. Freedom Mortgage told us that it was a 7-10 day process unless we paid to over night the check and sent a prepaid over night return envelope with it. We paid for the overnighting because we actively have water coming into our home doing more damage every time it rains. We overnighted the check on Monday XX/XX/XXXX and they received it on the XXXX. Today is the XXXX and we still have not received the check back and the tracking number says that they havent even mailed it. I have talked to numerous reps and all show the check received, in processing, account in good standing, and that it should simply be a rubber stamp and returned. I spoke with a manager on XX/XX/XXXX named XXXX that said she would find out what the problem was and call me back by the end of the day. I have not heard anything from her. Freedom Mortgage has been terrible and misleading in this process. As much money as we pay them and the amount of vested interested they have in our home they should bending over backwards to ensure it is taken care of.
Product: Debt collection

My husband set up a payment arrangement with a recovery company name XXXX XXXX, Alpha Recovery or something similar for XX/XX/XXXX in the amount of {$640.00} on XX/XX/XXXX. They were very rude and trying to force him to make a payment that day after he told them several times that he could not. The payment was not made on the XX/XX/XXXX due to insufficient funds. A lady from the company called me on XX/XX/XXXX and requested the payment from me in a very rude & demanding manner. I told her that I was unaware of the conversation between my husband & their company so she should talk to me in a more calm and respectful tone. She started yelling and talking crazy to me so I disconnected the line.
Product: Credit reporting or other personal consumer reports

I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off : Account Name : [ XXXX XXXX XXXX  ] Partial Account Number : [ XXXX ] Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

Upon review, I have observed that this account continues to be reported as having a monthly payment history, even though it should not due to its charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other pertinent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. 

Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 

I appreciate your prompt attention to this crucial matter. 

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

Today XX/XX/2018 I tried submitting a dispute online with XXXX. I answered all the security questions and put in the information they were asking for after all that an error message came up that I am unable to submit a dispute. I am submitting this complaint because there are a few accounts on my XXXX   credit report that do not have the correct balances. My XXXX XXXX card is reporting more of a balance owed than what I actually do owe. Also my XXXX  XXXX accounts my balances have decreased by {$300.00} they are reporting with higher balances. I attempted to correct this but unable to get online to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my TransUnion XXXX credit score dropped from XXXX ( excellent ) to XXXX ( very good ). I reviewed my credit report and found no errors -- all balances went significantly down, there are no inquiries, past due payments or any other adverse information. I have established a credit file more than 35 years ago. How can a credit score go down 33 points for absolutely no reason? There is no way to dispute a credit score with TransUnion. I understand that a credit score can fluctuate, but there must be a glitch here.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files.

Please investigate the bellow accounts validity within my consumer report that you maintain under my name and update my report to your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines.

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be validated, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall XXXX XXXX  ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice. Failure to do so could constitute willful non-compliance.

Please DELETE this erroneous, inaccurate information from my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPGRADE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX/ XXXX  is showing that XXXX and XXXX of 2020 they where missed/late payments, this is inaccurate and should show 100 % on time payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate public record currently listed on my credit report. Specifically, the record inaccurately indicates a judgment against me, which does not exist. Upon reviewing my credit report, I was dismayed to find this erroneous public record. There has been no judgment filed against me, and this mistake is seriously affecting my credit standing. I have taken the necessary steps to address this issue and have filed a complaint with the Federal Trade Commission ( FTC ) to document the inaccuracy and its impact. Given the serious nature of this error, I urge you to conduct a comprehensive investigation into this matter and remove the inaccurate public record from my credit report immediately. The presence of this false information is unjustly damaging my credit profile and could have significant adverse effects on my financial wellbeing. 

Bankruptcy XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to Equifax on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.
Product: Vehicle loan or lease

Hi good day this was a paying account I got my car reprocessed due to the covid struggle in I happened to make a payment in for some reason the bank tough it was false transaction in turned back the check but was over XXXX in the bank to cover for the check had problems with the bank account at the time in my belongings that was built in to the car i wasn't given back in they reprocessed the car wrongful cares is in affect till XXXX XX/XX/2029
Product: Credit card or prepaid card

I was notified on XX/XX/XXXX that I had unclaimed funds in my XXXX reward prepaid visa account. I thought that I had closed this account XXXX years ago but contacted them the morning after I had received the letter from them. The card is serviced by US Bank. They told me I had {$1800.00} still sitting in my old account. I verified all of my info and the was told a new card would be sent out. 
I would receive it XXXX with MY money on it. I did receive the card. When I went to activate the card, I could not because someone had entered the last XXXX of my social security number incorrectly in their system. I will tell you this is the specific reason I cancelled this account to begin with XXXX  years prior and I had jumped thru every hoop they had requested back in XXXX. I faxed them multiple copies front and back of my ss card and my XXXX  Drivers License. Each time I would call to follow up with them to make sure all my info had been received and would be corrected, I was given different information as to which dept to send my ID to, the fact that I had to be issued a new card once my id was verified or the fax was blurry and I needed to resend. Take your pick each new customer service agent I spoke to gave me slightly different info for the entire XXXX or XXXX months of calling between XXXX and 4 times a week and spending hours on hold each time I called. 
So back to this past XXXX. I once again could not activate the account. So like a bad dream that won't end this began again. I faxed my ID with the account number documented which I did. They said they received it and then told me i had to be issued a new card because it would have my correct info. They once again sent me a new card and wouldn't you know, I could not activate it because no one had updated the account with my proper info. I called yet again, now that this had dragged on for nearly a month I get a customer service rep who tells me they do not update ID info on these cards anymore but she can request that I am issued a.paper check for the {$1800.00}. Of course this could have been done the first phone.call I had verifying the funds were.mine, but ok so time to wait another week and a half. So finally today I receive a paperback written to me by us bank card member services. I go to a US bank branch in person. I give them every piece of info they ask for my name address phone birth date, social security number, my occupation, furnished them With mutiple valid forms of id. Only to be told the check is good, yes it is written on their bank, but they could not cash it it had to be deposited into my bank and then I would. XXXX able to access the funds. How is this legal or ethical in any way? This has been one of the most miserable and anxiety inducing experiences of my life honestly. It is precisely why I gave up XXXX years ago and forgot the money was there to begin with. They have held my money hostage for XXXX years and somehow issued me a bank check that can not be cashed at their bank. .please help!
Product: Debt collection

Credit Corp Solutions continues to I mailed certified letter XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX letting them Credit Corp Solutions know that they are in direct violation for refusing to validate a debt. Credit Corp Solutions continues to sent out the exact copy of the same letter with updated dates each year. In the letter I sent to Credit Corp Solutions dated XX/XX/XXXX I advised them that failure to validate the debt would waive any and all claims against me and they would be responsible for paying me for their continued violations and harassments in a attempt to collect on a debt that they can not validate.
Product: Credit card or prepaid card

Hello, A Bank of America Credit Card was opened under my Social, name, identity, etc. on XX/XX/2018. This was made aware to me by XXXX XXXX stating that a Bank of America Credit Card was opened. I have never had an account with Bank of America, whether checkings, savings, money market, or credit card. Please have this removed from my account and social. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a lot of transactions not showing up from places with gaps of money missing from those transaction even making a new account and and doing the same thing from the same place later was posted but not other ones before I dont see y that would happen? On the app and website bank pf america edd
Product: Debt collection

My son leased an apartment from XXXX XXXX in XXXX XXXX, California on XX/XX/XXXX. A few months after moving in he found out that the apartment is full of bugs. He notified the management and during the next 2-3 months the management sprayed the apartment on four separate occasions, but they could not get rid of the bugs infestation. The bugs would be everywhere. He had to remove all the dishes and food from the kitchen cabinets and kitchen area and he could not sleep at the apartment since the bugs were growling on his bed during the night. He stoped sleeping in the unit around XX/XX/XXXX. We met with three members of the management company at the end of XXXX and since they could not resolve the issue with the bugs and the apartment was not in livable condition my son was released from his lease agreement. We agreed to pay the rent for the month of XXXX as FULL AND FINAL PAYMENT. My son paid close to {$1400.00} rent and they also kept his deposit of {$250.00}. ( Total of {$1600.00} for not using the place for more than six weeks ). 
To our surprise a few weeks after he paid the final payment he got another bill for {$100.00}. We called the manger and explained this was incorrect and there is no balance due. We asked that this mistake will be corrected but instead of helping us, this balance was transferred to XXXX XXXX XXXX XXXX. Our attempts to tell Hunter Warfield that there in no balance due fell on empty ears. 
We believe that this is harrasament. We would like XXXX to correct their records and honor their agreement with us from XX/XX/XXXX. Per agreement this account was paid in full. We also would like XXXX to instruct Hunter Warfield to close their account and to make sure that none of the credit agencies show that this account was ever in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each on elf these creditors as followed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have attached my letters and the FTC report that was forwarded to the creditor/ Debt collection company. Please block and remove the accounts as they are fraudulent
Product: Debt collection

I talk to them snd ask to provide proof of me opening acct. told them not to call me again and now they are harrasing family members and I want thrm to stop. ASAP!!