23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was looking for a home to rent, and found a landlord on XXXX. I then looked at other sites to see if this was a legitimate home. I did find the home on other sites like XXXX, and XXXX. I then called the landlord and made an appointment for the following day. Once I arrived at the location, the landlord was not present. When I called him he stated that the place was already rented and he had another home for me. I then drove to the new location. He walked me through his process with XXXX XXXX  to gain access to the home. After walking through the home, XXXX XXXX the " Landlord '' called me back. He asked if I wanted the home, and stated he had another family coming to see the home at XXXX XXXX. He then charged me {$75.00} for the application. I completed it. Then he stated he needed a down payment of {$1600.00}. He took a copy of my information. And gave me his lawyer 's info for the down payment. He then tricked me into sending him the {$1600.00}. A few days later, he contacted me. I sent his information to HUD, as they help pay my rent. We emailed a couple of things back and forth. He contacted me a few days later asking me to pay the remainder of the rent to move in. I explained to him I needed more time as HUD must see the home and inspect it. He tried to say he has other people interested, and serious about the home. When I refused to pay more, he said he would refund my money. Which he never did, He then blocked me. I reported this to the sheriff 's office. Who then said they have had several problems with this man in the area. They were not surprised. although I have reported this, PNC refuses to help me, or return the money to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Product: Mortgage

There were many errors on my mortgage documents, and problems with servicers with missing payments, unapplied additional principal, no refund for the overpayment of escrow, multiple cds, incorrect charging of taxes and insurance, misapplied payments, incorrect transfer of escrow to next servicer, Incorrect payment amount, incorrect tax forms, wrong initial loan amount, and The lender fraudulently Changing loan terms at 6 months and signing my name to them per XXXX XXXX department. XXXX. I sent a notice of error to XXXX, before Any corrections were made I was transferred. XXXX stated to me the Notice of error and their corrections are are the soul responsibility of my next service, Freedom Mortgage same as tge 1st servicer said yet to date nothing done. I started all over with freedom mortgage on the notices of errors, in writing. I once again have been transferred to a 3rd servicer and Informed it's not Freedom 's responsibility it'stability it's the new services responsibility and it's left to me to start all over again trying to get these items corrected after 2 years of constantly sending and spending hours on the phone to no avail. I now know though since I am studying to be a loan originator These companies have a responsibility to complete and correct these items I have requested by my multiple notices of errors in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau, Experian, is reporting an inaccurate, incorrect and insufficient debt as of XX/XX/2020 for {$18000.00} listed on my credit file from XXXX XXXX XXXX. I do not owe this debt and I have not received any type of written notification of this debt prior to this debt being placed on my credit file. The attached student loan breakdown is the same from the school and has been in good standing, never late as report but Experian has them both confused. 

The collection agency : XXXX XXXX XXXX sent a notice to Experian on XX/XX/2020 to close this debt because they could not validate this debt with the school. The school would not give them any information to validate where this debt is coming from and who its for so their policy is to close the debt. 
Experian closed the wrong account and closed the student loan to XXXX instead of the collection debt to XXXX. Please correct ASAP!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had 5 collections I was in fact never late on or have knowledge of. The 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. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XX/XX/XXXX for account # XXXX, and dates XX/XX/XXXX for account # XXXX, and date XX/XX/XXXX for account XXXX and finally XXXX on XX/XX/XXXX This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting. Even in the screenshots you can see the inaccuracy of the reporting. Thanks!
Product: Student loan

I do not agree to XXXX XXXX and XXXX  improperly accessing my private data.
Product: Money transfer, virtual currency, or money service

I have had an account with square for over 4 years. They randomly profiled me and froze my money then after they froze my money they shut my account down with negatively and adversely affected me and my empoloyees. They are holding my funds and refuse to reopen my account.
Product: Student loan

During the week of XX/XX/XXXX, my personal data was compromised without my authorization. 
The family education rights and privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Student loan

Took out a parent plus loan for my son XXXX XXXX, {$13000.00} dollars, for him going to XXXX XXXX XXXX university. I filed for XXXX XXXX XXXXXXXX paid the loan, have receipts from the trustee payments going out to fedloan servicing in XXXX XXXX Called Mohela since they took over the loans and transferred all of them. This was a high priority from my lawyers to the trustee and fed loan department. All payments were made. To this day they still show as not being paid, on my account and my sons account since I co-signed. I have all the paperwork. I need assistance. Im now retired marine with minimum income coming in. 100 percent XXXX XXXXXXXX. 
Thank you XXXX
Product: Debt collection

I have contacted this company 4 times about account numberXXXX- I have been ignored!!! I need your help maybe they will respond to you. I have no idea what the account is for or who it belongs to it just appeared on my credit.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 ''
Product: Debt collection

You, AGS Solutions, Inc must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, AGS Solutions, Inc are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to AGS Solutions , Inc to Cease and Desist 15 USC 1692c 805.  Communication in connection with debt collection. I have no paperwork or contract for business with AGS Solutions.
Product: Mortgage

The process started on XX/XX/XXXX when US Bank was approached to sign a form. I keep getting delays and lack of responses from them. I have been told by two managers ( XXXX XXXX XXXX ) that they are NOT allowed to call me back to give me an update on the progress. I am required to call in each time and spend approximately 20 minutes re-explaining the issues. There is rarely any update or progress from that phone call. 

US Bank does not allow me to communicate directly with their Customer Service Research or TIC Request Department. If that could happen, I could answer any questions they have immediately instead of playing the wait and see, wait and see, and wait and see. 

Other dates of communication have been XX/XX/XXXX & XXXX and XX/XX/XXXX, XXXX, and now the XXXX.
Product: Checking or savings account

While I was at work some man stole my wallet and wipped out my bank account. I notified the bank immediately and was told a claim was being made and I could receive a preliminary credit of the funds taken seeing as I was STRANDED with no way home from work fast forward a week later and my funds have still not been credited back to my account and Im being told I have to wait for the investigation to conclude. However there is video proof I was not the one to make the purchases and a police report has been filed for theft of my bank cards
Product: Credit reporting, credit repair services, or other personal consumer reports

These listed Three listed accounts continue to show the wrong status & balance on my credit profile. I have contacted the credit bureau. 

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

Authorized background check for employment on XX/XX/XXXX to XXXX XXXX who used XXXX XXXX XXXX for background check. Background check showed a misdemeanor from XX/XX/XXXX that was expunged on XX/XX/XXXX.
Product: Mortgage

I refinanced an FHA mortgage through XXXX bank. Nationwide ( the current mortgage servicer ) is charging me interest through the end of XXXX and PMI through XXXX. According to the XXXX websit, FHA refinances no longer require this. I called Nationwide and they gave me no alternative, stating that it is FHA policy.
Product: Vehicle loan or lease

I came to XXXX of XXXX  XX/XX/XXXX to purchase a XXXX XXXX  i had a preapproval from XXXX XXXX XXXX and told them that i already had outside financing. They kept pressuring me to pull my credit again to find a competitive rate for the approval i already had i was hesitate and told them i rather go with pre approval but they kept pushing to pull my credit. they ended up pulling my credit and said they couldn't beat my interest rate of 2 % from XXXX  XXXX XXXX. They went behind my bank and switch my finance company to southeastern toyota finance without my knowledge with an interest rate of about 6 %. They kept using coercion tactic to prevent me from leaving dealership without signing for the car. Eventually the car got repoed XX/XX/XXXX they sold my information to a third party tow company they came to pick up the car while the car was out in a shopping plaza. There was no explanation the car was just gone and they wouldn't allow me to collect my items from the vehicle after towing it. They damage my property in the car and they sold the car to auction. I sent letters to ask them to validate the debt XX/XX/XXXX the dealership keep saying my claims was baseless and I sent a letter to arbitrate they didn't enter arbitration with me and told me i will be required to pay for all attorney fees
Product: Checking or savings account

My Citi bank account was closed for no apparent reason. When I came in to the branch, I was told there was fraudulent activity on my account that they wouldnt even verify with me. Now my funds are being held for 30-60 days and thats completely unacceptable and disgusting. What the XXXX kind of XXXX and horrible security policy is this? I want to sue this bank into oblivion for being so incompetent at their one XXXX job, which is securing and holding peoples money. Send this email to their horrible leadership and board of XXXX directors for XXXX so bad at their one XXXX job. Please put emphasis on XXXX  they are as a company for me, thank you.
Product: Debt collection

I XXXX makes a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " Debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from Midwest Recovery Systems does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX ( XX/XX/2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that XXXX obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by Midwest Recovery Systems and XXXX, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquiries on my credit reports also incorrect information as far as my address .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries was not authorize by me!
Product: Consumer Loan

I have an installment loan with the company. They call me repeatedly to ask about my payment. I informed them that I would be in that afternoon, but I was not able to make it there on several occasions due to getting off work after they closed. The company calls me during the day and if I am in a meeting or with a customer, I answer and tell that that I will call them back. On XX/XX/XXXX they called my cell, I answered and said that I was in a meeting and would call them back. 5 minutes later they called my job and asked to verify employment. I called the company ( XXXX ) back and asked why would they call and verify employment ; as they had just spoken to me. She said it was because every time they call that they get hung up on. I told her that employment verification is for loan approval and that I did not want her calling my place of employment anymore or I would be filing a complaint with CFPB because she has my personal number to speak with me and I did not want her calling my place of employment. She said that it is in my contract that employment can be verified. I told her that I did not want them calling my employer anymore because it is against the law if I asked them to stop. I assume that they are circumventing the law by calling to " verify employment '' but in essence employment verification is only for loan approval. If I already have the loan, there is no reason to verify employment because I am responsible for the loan rather I am working or not. This behavior has become harassment ; the payment is on 18 days delinquent
Product: Mortgage

I have been making extra payments to the principle on my mortgage loan for almost 2 years and as far as I can tell my mortgage servicer ( Seterus Inc. ) had been applying the extra payment to principle ( as I instructed my Mortgage Loan servicer from the start of these extra principle payments ) until sometime at XXXX XXXX of 2017. Starting in XX/XX/XXXX, XX/XX/XXXX and XXXX 2017 I increased the extra payment to principle too {$1100.00} and the mortgage servicer ( Seterus Inc. ) has been misapplying these payments to additional interest instead of principle. I have instructed the servicer every month that they are to apply anything above the normal payment totally to principle, even going so far last month spending hours on the phone talking to an upper customer service manager and she assured me that these past payments and any future payments would be correctly applied to principle. She also instructed me to view a file online for my statement and payment history that would show the corrected amounts applied to principle and any adjustments would be made to my payment and balance history. In viewing the history file for my mortgage I can clearly see that what was promised has not happened. The extra amount that I am paying is a substantial amount {$1100.00} and will add up quickly if this is not corrected quickly. Please help as the company will not give me anyone above this manager that I talked to last month to correct this problem Thanks
Product: Mortgage

XXXX  represented me and secure a modification with PHH mortgage ( Ocwen ) ON XX/XX/XXXX I was informed that the modification was successful and that I am to pay XXXX on XXXX XXXX. XXXX XX/XX/XXXX I tried to make my payment over the phone, the system stated that no payments can be made on this account. I tried to pay online and I could not because I have limited access. I could not reach a customer service rep because the company no longer have customer service on the weekends. Since this company has took over my mortgage its been a nightmare. My first modification was removed because a customer service rep marked my payment to be taken out of my checking when I clearly said to take the payment from savings. Everytime I called to get it straighten out the customer service rep stated that it will be escalated and for me not to worry.. Now I paid a third party to help me and this phh mortgage again is messing me over with my payments. I HAVE AN AGREEMENT/MODIFICATION TO PAY ON XXXX XXXX.I AM COMPLYING WITH THE AGREEMENT AND PHH WILL NOT TAKE MY PAYMENT. This mortgage company is a predatory company. I want this company held responsible for its deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2010 I filed for Chapter XXXX Bankruptcy. I had XXXX tax liens at the time for {$250.00} and {$3400.00} respectively. These tax liens were covered and paid through the bankruptcy. The Bankruptcy has dropped from my credit report but the tax liens have not. The tax liens report as released - but Equifax and XXXX have both responded to my disputes saying the information is accurate. It 's my understanding that the tax liens should drop 7 years from the file date once paid or if paid through Chapter XXXX bankruptcy - when the bankruptcy is removed.
Product: Debt collection

On XX/XX/XXXX the company Wakefield sent me notification of a medical collection. I responded with a request for validation on XX/XX/XXXX. As of XX/XX/XXXX I still have not received any written documentation from them at all. However Wakefield has been calling my phone 3 to 4 times a day. These calls are made back to back. I block the number and they call from a different number. This has been going on since XX/XX/XXXX. They have not sent me the requested documentation or anything in the mail since that initial notice. I need written validation before I attempt to communicate with them. They have failed to provide validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section XXXX, subsection ( XXXX ) ( D ). The Following Accounts listed below XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Debt collection

I XXXX XXXX want proof of the contract stating I signed over my information to the fair collection & out if there is not proof shown which is on the paper that I signed supposedly stating that I wanted my information given out to a third party if there is no proof please remove off of my credit immediately or Ill keep reporting this information over to CFPB.