23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was contacted by loan officer XXXX XXXX from Amersave, I was  pressed to get all my documents uploaded and was told not make my next mortgage payment as all would be covered within my new refinance. This was over a month ago. since the time I have uploaded all my information I have not been able to contact my loan officer since or anyone else that could assist in updating me on my loan progress.. The name and number XXXX leaves on his voice mail for his manager is not correct. I have left messages for that person along with multiple other agents I was able to get transferred to but have not received a single call back or correspondence.
Product: Mortgage

I applied for a HAMP modification with CITI and was denied because they said my NPV results were negative. This is only because they refused to accept my additional freelance income of {$1000.00} per month, and I provided pay stubs and a profit and loss statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recently looking over my credit report, I noticed these fraudulent inquiries on my report. I do not recognize nor acknowledge these inquires and kindly asked for them to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to let you know about some wrong things on my credit report. XXXX says I was 60 days late on Experian, but XXXX shows XXXX XXXX XXXX XXXX and 30 days late. Both are not right. 

I learned that the law ( 15 USC 1681e ( b ) ) says it has to be correct. But this account has different dates and names everywhere. Ill send pictures to show it.

I dont think this should be on my credit. The law ( 15 USC 1681e ( b ) ) says so too. Can you also make sure nothing changes or stays wrong? I want everything about this company taken off because of the mistakes.
Product: Mortgage

On XX/XX/2023, Wells Fargo, as Servicer, stated they were unable to issue an escrow refund check for {$250.00}, because more than 30 days lapsed between the date of the Escrow Review Statement, XXXX XXXX, and when the account was brought current, XX/XX/XXXX, XXXX the funds will remain in the escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing on my credit report for XXXX XXXX. See below Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Usage : 100 % Balance on XX/XX/XXXX Credit Limit {$7100.00} {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural. I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they've violate my rights numerous times.

I demand the Accounts listed below be remove because.

According to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these 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
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. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

Company : Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX XXXX *Summary of Complaint : * XX/XX/year>, a debt collector from Credit Control , LLC , identified as XXXXXXXX XXXX , contacted my workplace and publicly disclosed my financial difficulties in my employer 's presence. This communication was unsolicited and caused me embarrassment and distress. 

Despite my verbal notification to XXXX XXXX that I felt harassed and requested that they discontinue workplace calls, he insisted that Credit Control , LLC was legally entitled to contact me at my workplace. 

*FDCPA Violations : * - 15 USC 1692c ( a ) ( 2 ) : Contacting me at my workplace after I requested not to.

- 15 USC 1692d : Harassing, oppressing, or abusing me.

- 15 USC 1692e : Making false or misleading representations.
Product: Payday loan

I received numerous calls & emails from CashCall ( the company ) to get loans. I needed the $ $ $ and I finally gave in and got into a financial situation ( 125 % ) interest and have been challenging the CashCall Inc. and finally they reduced the interest rate from 125 % to % 75. 

I was wondering if could get assistance from your organization to get a better interest rate from CashCall Inc.
Product: Debt collection

Resurgent Receivables LLC is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX  XXXX as the original creditor to XXXX and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. 

I previously disputed this same Collection to XXXX regarding Resurgent Receivables LLC reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX XXXXXXXX as the original creditor. XXXX removed the Resurgent Receivables LLC erroneous and inaccurate Collection account. 

I hereby further dispute Resurgent Receivables LLC pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

Resurgent Receivables LLC is not my creditor. 

I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. 

I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with TransUnion, XXXX, and XXXX multiple times, yet the errors persist and remain unaddressed. Despite my efforts to correct the inaccuracies, no appropriate action has been taken. 

Dispute Issues and Violations : Violation 1 Failure to Provide Adequate Documentation ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus have failed to provide sufficient documentation or evidence to validate the disputed information, violating the FCRAs requirement for thorough dispute investigation.

Violation 2 Failure to Correct Inaccurate Reporting ( 15 USC 1681e ( b ) ) : The credit bureaus have not ensured that the information on my credit report is accurate, leaving inaccurate entries that continue to negatively impact my credit profile.

Violation 3 Failure to Remove Outdated Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus have failed to remove outdated information from my report, which should have been excluded after the legally required time period.
Product: Payday loan

I took a loan with CASH CENTRAL XXXX XXXX XXXX XXXX UT XXXX phone # XXXX and I agree to 80 % interest in the loan, but about 3 weeks ago I found out the interest they are charging is 180 % which I do not recall or understood, the loan was for {$2500.00} I already make paid over {$1400.00} and yet they have not apply anything to the principal. I need you help with steps to get this to the terms I understood agree please let me know if there is any assistance that I can get
Product: Credit reporting 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 U.S.C 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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: Consumer Loan

I was pressured by high stress sales tactics into taking an auto loan I could not afford by XXXX XXXX in XXXX XXXX, New York. They insisted on finding a bank to issue a loan after being refused by three or more other banks. They did not make it clear that the total amount of the car purchased was higher than the value. Now I am in the position of having to apply for a loan modification on my mortgage and guess which bank is giving me a three-year runaround? The same bank, Citizens One, that approved my auto loan. So, I guess my issue is with both XXXX XXXX and Citizens One Auto Finance. I already have a complaint filed on my mortgage loan modification with Citizens One.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX The debt collector, I.C Systems has reported a collection to my consumer report without any initial communication with me, the consumer. Debt collectors can not report any alleged debt to consumer reporting agencies without first communicating with the consumer [ Federal Trade Commission v. Midwast Recover Systems ]. This is a violation of the FDCPA, 15 USC 1692g. Therefore, I was not notified of the amount of the alleged debt, the name of the alleged creditor who is also defined as a debt collector by law, nor any statements. Pursuant to 15 USC 1692c, without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate with anyone, in connection with the collection of any debt, other than the consumer, and their attorney. I did not give any consent to whoever I.C Systems has purchased this alleged debt from, neither did I give consent to I.C Systems or any consumer reporting agency to report this alleged debt to my consumer report. This is not only an invasion of my individual privacy, but also detrimental and harmful to me as a consumer as said so by congress under the FDCPA and the Gramm Leach-Bliley Act. Pursuant to 15 USC 1692g the failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability. Although, the debt collector, I.C Systems violated my rights and did not give me a chance to dispute the validity of this alleged debt, does not mean that they have any legal authorization to validate any debt they can only assume so. An assumption is not validation.

I.C System has violated my rights as a consumer under the FDCPA, FCRA, and the Gramm-Leach-Bliley Act so the specified remedies for these violations are : 1. XXXX out the balance of this alleged account. 
2. Deletion of the alleged account and all references of the alleged account from its records. 
3. Remove of this account from my credit file.

As written by congress the failure to comply with the specified remedies of this alleged account makes you liable under section 1692k of title 15 and 1681n of title 15.

As a consumer, I do not give you consent to contact me again unless it is notifying me of the deletion of any and all references of this alleged account and the removal of this account from my credit file. 

Best Regards.
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! 5 USC 1681. 

XXXXDEPT OF ED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 counting any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to XXXX, XXXX and Experian as well to the XXXX itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency
Product: Debt collection

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has been trying to collect 2 amounts they claim were owed by me personally to XXXX XXXX XXXX XXXX. The record from my credit reports shows this detail : Collection amount {$54.00} Original amount : {$50.00} Went into collections XX/XX/XXXX Collection amount : {$57.00} Original amount : {$53.00} Went into collections XX/XX/XXXX While a Limited Liability Company I am a member of owns a property at the address provided - XXXX XXXX XXXX XXXX, XXXX, NM, I never personally had an account with XXXX XXXX XXXX XXXX for that address, and to my knowledge neither did the LLC that owns it since it is a rental property and the renter always had the account. Further, I have no way of receiving mail sent to that address. As I was trying to investigate it and remove it from my credit reports ( which are otherwise without blemish and I have an excellent score ), I found that 1. No bill was over received by me from the original creditor ( XXXX XXXX XXXX XXXX ), 2. It appears that out no such bill exists as the collection agency also does not have a bill ( I believe it is illegal for an agency to try and collect a supposed debt they don't even have a bill for ). They were only able to provide a statement which actually shows a balance of {$0.00}. 

Today they have called me yet again, and when I asked them to provide the original bill for the collection she said she did not have it and very rudely told me to contact XXXX XXXX XXXX XXXX for that. When I pressed her if she has in her file any valid proof of the collection amount, she abruptly hung up on me. She has hung up abruptly at least on one other occasion. 

I can only guess that a renter owed money to the XXXX XXXX   XXXX XXXX, and in trying to collect it from the renter, the renter gave them my name claiming it was somehow the landlord responsibility. XXXX XXXX XXXX may have thus created an account and may have sent a bill to the address of the property, which, again, I have no way to receive mail for this address and it is not my mailing address or the address of the company which owns the property. I want to emphasize that this is only a guess of what might have happened, as I have no proof or a way to investigate it. 

I believe this is an illegal and invalid collection on several fronts. I actually don't care about the expense involved - it is relatively minimal - but I shouldn't have this collection on my record whether paid or not.
Product: Debt collection

XXXX XXXX is the credit card for hundreds of retailers, and I have two active cards with them that are in good standing and are account I have had for a long time in good standing. I realized I missed my {$27.00} payment to XXXX XXXX XXXX  due on the XXXX or XX/XX/XXXX, and I proactively called into the XXXX number to let them know I would pay it on XX/XX/XXXX. So less than two weeks late. The girl told me there would still be a late fee, and I know that is the case. I called in around the XXXX or XX/XX/XXXX. Starting on XX/XX/XXXX up until now as I am writing, I have received THREE calls per day from XXXX XXXX, mostly all different phone numbers, but all saying XXXX. Maybe they are call centers all over with all different numbers. I am not answering the calls because they are calling about the {$27.00}, but I already called in proactively and set up a payment with them. They called on Sunday and on XXXX XXXX, too. I am thinking this is very very excessive.
Product: Mortgage

A modification was requested in XX/XX/XXXX on this loan and was n't approved until XX/XX/XXXX. I made the trial payments and then nothing happened with my  modification packet. I never got anything to finish the process and I was told by Citi Mortgage that I needed to wait for the packet they were way behind ... To this day I have never received that original packet. In XX/XX/XXXX Citi tried to Foreclose on my property at the same time I tried to sell my home.. The foreclosure attorney found an unreleased deed of trust on my property that Citi failed to have released when they refinanced my home.. 
This stopped the foreclosure and it stopped me from being able to sell the home. 
I have tried from that point until today to get them to work with me.. The title is still not clear so I cant sell the property and they have a foreclosure sale date set for XX/XX/XXXX. I tried to work with them in hopes to do a short sale once I hire someone to clear the tile since they are not willing to clear it and they will not stop the sale. I have a XXXX husband and a XXXX XXXX old grandson that I need to relocate very fast if I cant get this sell stopped.
Product: Checking or savings account

My account, money and personal information was stolen 3 times from ''TD Bank '' within one month because they do not have any type of security in this institution. I believe since TD Bank was sued for stealing and overcharging customers on unauthorized transactions, etc. this is their new way to steal, by cooperating with cyber-delinquents that probably work for them too. No matter if the criminals confess they stole your account and your money, they do not do anything about unauthorized transactions, THEY DO NOT RECOVER OR REFUND STOLEN MONEY, no matter how small or large is the amount. THEY DO NOT PROTECT CONSUMERS PRIVATE INFORMATION. I will be next suing them after this, and I am also able to serve anyone as a witness. I have proof that my information was stolen from this bank, proof that the criminals refused to answer any question or justify the charges, and proof that the bank refused to do anything about after they neglected my information and account
Product: Credit card or prepaid card

I have a case. At any point in time, I can file a class action lawsuit against XXXX XXXX. The representative misled the consumer ( which is me ) into ordering XXXX phone thinking the XXXX affordable connectivity program would cover {$20.00} discount on the phone plan service for $ 30 monthly. I was repeatedly overcharged for a phone and service that did not work out. I paid {$1100.00} in overage charges. I would like that money credited back onto my credit cards. Amounts {$390.00} for billing cycle XXXX, XXXX, XXXX {$340.00} for device payment Of, which I already paid via XXXX XXXX {$370.00} for the device My XXXX XXXX credit card on XXXX and XXXX XXXX credit card to pay for the device in full expectedly monthly plan payment that did not happen. There is already case open with Consumer Protection Bureau. I have no escalated it to the Federal Trade Commission or the XXXX of XXXX mayors office. I want my money credit back on to my account now. Submitted Evidence : Proof of requested cancellation of service XX/XX/XXXX via email and response from XXXX XXXX you will hear from us soon. I have not heard back, but given their response to XXXX XXXX, I heard loudly.
Product: Credit reporting, credit repair services, or other personal consumer reports

enhanced recovery is reporting a wrong date. They reaged the original account. 
They do not own the debt. 
They are reporting late payments. 
No payment arrangements were ever made. 
No letter of noticed. They only reported on report before notifying me by mail before hand. 
I've never given them permission to access my personal information. They are not in any rights to obtain my information. I want the report removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX  XXXX XXXX Consumer Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Cease and Desist Reporting to Consumer Report - Account # XXXX and Account # XXXX Dear Sir/Madam, I am writing to formally request that XXXX XXXX  XXXX cease and desist from reporting the following accounts to my consumer report : Account Number : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information being reported to consumer reporting agencies. Upon careful review of my credit report, I have reason to believe that the reporting of these accounts is inaccurate or misleading. 
I am requesting that XXXX  XXXX XXXX refrain from reporting any information related to these accounts to any consumer reporting agency. This includes but is not limited to credit bureaus and any other entities that collect and maintain consumer credit information. 
I expect that XXXX  XXXX XXXX will promptly investigate the accuracy of the information being reported, correct any inaccuracies, and update my credit report accordingly. Until such investigation is completed, I request that you refrain from reporting any further information regarding the mentioned accounts. 
Please provide written confirmation within 10 days of receiving this letter, acknowledging your compliance with this cease and desist request. Failure to comply with this request may result in legal action being taken against XXXX  XXXX XXXX in accordance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I trust that XXXX  XXXX XXXX will take immediate action to address my concerns and ensure the accuracy of the information being reported. 
Sincerely, XXXX XXXX