23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The representative from the agency named XXXX called me at work and told me that she had spoken with her legal dept and they were preparing a warrant for my arrest if the debt was not paid. I had already shown up in Court for a contempt citation and it was set out for 2 weeks. This threat was before the 2 weeks were even up. I had an attorney present when I returned her call and he heard the same comment and informed her this was illegal. She then put her manger on the phone who spoke with the atty that then explained to the manager the legality of her comments.
Product: Mortgage

I am submitting a formal complaint against my mortgage company Pennymac for false claims that I owe them personal property tax that was already paid from my escrow account last year. Per my tax return statement from Pennymac & XXXX was paid in personal property tax to the county and I had an ending balance of {$810.00} in my escrow. I had no negative balance reported. So it is no way I owe them money and there were no double payments made as they are claiming. My mortgage payments were XXXX, which includes the escrow amount. Now they are charging me {$3600.00}, which they providing a false explanation that my taxes went up to {$11000.00}, which my documentation from them and the county does not support. I was told that they are looking into this, but they already have the documentation from the county along with the information they sent to me. I feel like I am being scammed out of my money and I want it refunded and my account to be updated correcly.
Product: Debt collection

ARS ACCOUNT RESOLUTI XXXX/XXXX/XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS ACCOUNT RESOLUTI or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS ACCOUNT RESOLUTI or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Consumer Loan

I have been in the hospital for a while and have been unable to mke payments for my loan. They reposessed my car last night. I was in the hospital after i got am XXXX from XXXX
Product: Debt collection

I have been in the process of completing my financial responsibilities by requesting validation of debts in my name. I sent a formal request for validation and to receive communication in writing only to PORTFOLIO RECOVERY ASSOCIATES in a certified letter on XX/XX/19. According to the tracking number, the letter was delivered in XX/XX/19. I then received a phone call from their automatic dialer on XX/XX/19. I sent another certified letter to PRA 's CHIEF COMPLIANCE OFFICER- XXXX XXXX restating my request for communication in writing only and declaring my rights consumer on XX/XX/19, and according to that tracking number, letter was delivered on XX/XX/19. I then received another phone call from their dialer in ( XXXX ) XX/XX/19. I continue to receive harassing calls from their ( XXXX ) ( XXXX ) dialer to this day, the most recent on XX/XX/19.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, This account doesn't belong to me Experian and XXXX has allowed this company to put this on my credit report without a proper investigation.
Product: Checking or savings account

I have already submitted a complaint, but the response was an absolute fabrication of the events. The office did not reach out. US Bank did not follow the applicable law, and no funds should have been removed. I have a stay of garnishment from the appeals court. I called the garnishment dept. and they said it was too late the payment had been mailed out. US Bank is now failing to accept responsibility, and I will have to take legal action. I have sent them all of the paperwork proving the events and they have not responded appropriately.
Product: Debt or credit management

Lexington law was supposed to assist me in getting pre approved for home purchase. My score rose do to me using XXXX XXXX and XXXX. I asked how long it would take to be able to get a good credit rating? There was no accurate answer, just being led on to continue paying monthly fees. Items that came off my credit was a time issue and was due to drop off
Product: Mortgage

I fell behind on my mortgage after having to send all of my money to my family in XXXX in order to save their life after the war reached their city in XXXX. My servicer SPS ( Select Portfolio Services ) is only considering my loan for assistance based on affordability and not an actual hardship which caused a gap in income. I hired an attorney to assist me in submitting my request for assistance to SPS. My loan apparently was also recently sold from XXXX to XXXX of Nevada. According to my attorney, XXXX was part of an Attorney General Settlement and this loan is required to be modified as part of that settlement. The fact that it was recently sold should not be an excuse to block me from assistance. My hardship is real and SPS and the new owner of my loan do not care about anyone or actual hardships. They are evading reviewing me for an assistance program that actually looks at gaps in employment. My attorney states SPS does this to everyone. They only review for affordability hardships and ignore actual gaps in income or real hardship cases. My home is only worth about 60 % of what I owe. I truly want to pay the entire amount of my balance, however it appears the new owner of my loan only wants to steal my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was given a request to close XXXX/XXXX  account and XXXX XXXX/XXXX  account and 30 business days later the accounts remain open, XXXX XXXX do not have the right to hold an account open and I do not need the creditor to tell XXXX XXXX to close an account in order for it to be closed, that's against my consumer rights, and I want the right to close those account today.now
Product: Mortgage

In XXXX of XXXX i worked with Flagstar bank and their closing attorney XXXX XXXX XXXX. part of my closing costs were to cover my school taxes in XXXX with a total of XXXX. I am just discovering now they were unpaid, since my escrow is once again short, the money is still sitting in a trust fund at XXXX XXXX XXXX. My Attorney ( XXXX XXXX ) got a hold of him and he said he would get a check out to me immediately that was on XX/XX/XXXX and i still have yet to receive a check. This is unacceptable as he has had my money for over two years. I contacted the bank since it is their attorney and they said there is nothing they can do. I also would like to add that none of my school taxes have been paid on time for the past two years causing my escrow to become substantially unbalanced and making my monthly payments fluctuate by several hundreds of dollars. In XXXX the XXXX tax was never paid, resulting in a relevey of XXXX the following year ( a fee of XXXX for being late ) in XXXX my school taxes were XXXX and those too were not paid on time resulting in a relevey in XXXX of XXXX ( a fee of XXXX for being late ). I also contacted my bank about getting this straightened out and they said if they dont receive a bill they dont pay it. this is not a very good practice, taxes are paid yearly, and as my mortgage lender they need to assume the responsibility of paying my taxes on time to avoid the fees. I am filing a complaint to get better results with this issue and to find out who will be paying the late fees since this shouldnt be my problem because it wasnt my mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 USC Section 1681 states i have the right to the privacy 15 USC 1681 section 604 A section 2 : it also states a consumer report furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has fraudulent accounts on my credit profile that need to be removed immediately. 

Account numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Customer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXXXXXX XXXX XXXX, MI and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX : Misappropriation of Settlement Funds by Global Lending Services LLC and XXXX debited my personal XXXX XXXX XXXXXXXX XXXX XXXX checking account without my permission did not applied monies to car loan principle/balance. 

I, XXXX XXXX XXXX XX/XX/XXXX received Settlement Offer by XXXX XXXX XXXX {$15000.00} accepted by Global Lending Services LLC Settlement agreement on XX/XX/XXXX. 

Global Lending Services LLC unauthorized ( did not have permission ) debited my, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account removing {$12.00}, XXXX of monies that I received as a settlement offer from XXXX XXXX XXXX for the Totalled Loss car, but did not applied monies to principle/balance. 

Global Lending Services LLC did not applied unauthroized debited monies of {$12.00}, XXXX to principle balance owed on Totalled Loss Car, neither did not applied to payment balance either. 

Global Lending Services LLC did not applied GAP and Warranty coverage is bundled into loan amount at dealership signing of GLS paperwork signing. 

Global Lending Services LLC and XXXX XXXX XXXX refused to release this totalled Car I did request to be towed to my personal residence at XXXX XXXX XXXX XXXX MI XXXX. Global Lending Services LLC said No, told me that after the XXXX Adjuster goes to do his investigation and determines the car totalled loss whatever the SELLING PRICE or JUNK PARTS will be deducted at the end from the balance owed on the totaled car loss balance this never happened either. 

I need your help with justice, I am being threatened with Wage garnishment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX for balance of Totalled Loss Car {$21.00}, XXXX, Please help me clear this matter up my credit is being affected by these oversights. I owe ZERO balance
Product: Debt collection

I was contacted on XX/XX/year> on my cell phone while I was driving around XXXX XXXX I picked up through the XXXX XXXX  and the representative explained to me that I owe a debt of {$1100.00}. I told them my new address and that previous attempts to contact me at my old address I would not have received. The representative told me false information which I did not know at the time which was that I would not have access to my transcripts from XXXX XXXX  and that I would be able to send them to the XXXX  school which I am applying for. I previously started my application and submitted a request for the transcript and was confused as I thought they had already released my transcript for my application. Since I was driving I did not have a chance to check their information in real time. Since they gave me false information I thought this had to be done urgently so I can have my transcripts released. The representative quickly tried to set me up for a payment plan but I was driving near a ski mountain so our connection was bad and disconnected. When I was home I checked and saw that my transcripts were already released and that the representative told me false information. I decided I was going to wait until they send a bill to my apartment so I can take a closer look with all the information. They called me again several weeks later but I was busy and could not get back on the call the rest of the day. By this time I knew they tried to misinform me and did not want to speak to them anyway. I went online a little bit later that day and requested a statement confirming my debt. The statement shows that I owed {$910.00} to XXXX XXXX. There is no mention of a fee and no indication that I owe a fee to them. The bill which came from them shows a owe {$1100.00} which does not match with what they sent me as proof. I was not given correct information about my debt multiple times. These instances caused a lot of unnecessary stress and consumed days of my time to try to figure out what was going on. Multiple times recently when I tried to log in to check my balance I was given an error message on their website. The website still allowed me to pay a bill to them with no indication of what I owed. This is also another example of predatorory practices they used.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XX/XX/2021 ) ( XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX  XX/XX/2021 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally Wrote to the credit reporting agency on my own behalf without the help of anyone or business. I did an investigation on my credit report which caused severe XXXX upon me and found inaccurate and questionable items that the reporting agency didnt make sure was reporting 100 % correct. please see attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that my numbers on my dash board are not correct, for a example they're not having the accounts reflect ( they're saying I've 5 accounts resolved & only two accounts have been resolved one account was resolved last year, & one account this year.I started the program in XX/XX/2019, paid out over $ 5.000.00.They have listed on my dash that I've 22 accounts listed in the program which is not true, I only have a total of 13 in the program. I remove some accounts from the program ( over 10 from the program ) I ask them if I can lower my payments, they refused to bring my payments down. 
In the beginning I was paying XXXX twice a month, now they're charging me {$180.00} twice a month. I ask them if I end the program will I get my money back, the answer is no. 
Deceptive practices .... 

Freedom runs my credit report regularly to check to see if anything new on my report, I will receive a email mention have found a new issue on my credit report, which in response I would let them know where are you finding these accounts from, because I've my reports from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE HAVE DISPUTED MANY TIMES AND WE HAVE BEEN OVER LOOKED NOWWE NEEED TO RESOLVE THIS.CONSTANT NEGATIVE REPORTING CAUSING THE LEVELOF OUR LIFESTYLE TO BE CHALLENGED. THIS IS AN OPEN CHARACTER XXXX AND THIS IS ADVERSLY AFFECTING ME THE CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice of an account with XXXX mobile in XX/XX/2022 in the amount of {$1700.00} and it appeared to be open in the XXXX  of XXXX This was first statement and it was months past due. I have 1 XXXX account with XXXX and home internet and a second account for a second residence. Both of these accounts are current and I pay every month and don't need a second account for mobile services because all my phones are on my current account. I reported it as fraud and identify theft with FTC and with XXXX and then put a fraud alert on credit bureau. I have provided XXXX fraud affidavit, ID showing myself, and the filing with FTC. They continue to deny it is fraud and keep reactivating it on my Credit Bureau. Their system is so convoluted that they only allow for you to submit the information through a portal and you are not allowed to talk to anyone.
Product: Money transfer, virtual currency, or money service

Over the weekend of XX/XX/XXXX, I was subject to a dating scam on XXXX. I was in contact with a profile that was run by someone who subsequently claimed to be XXXX, sent XXXX pictures of the person who the account was supposedly of, and solicited me for XXXX pictures of myself. Two days later, I was contacted by someone first claiming to be a private investigator hired by the family of the person I was supposedly in contact with over XXXX and then by the supposed father. I was then shaken down by the father for {$1600.00} in order to send the girl I was in contact with to some sort of a XXXX program as an alternative to the mother going to the police and pressing charges ( I paid {$1700.00} thinking that that would demonstrate good faith ). The money was to either be sent through XXXX to a XXXX or through XXXX to the person who was supposed to be the pastor of the family, XXXX XXXX. The money would not go through XXXX so I ended up sending it through XXXX, which is tied to my US Bank account. I subsequently determined that this was a scam and refused to provide any more money when I was subsequently solicited for additional money the day after I sent the {$1700.00}. 

The day after I sent the {$1700.00}, I filed reports with the local police, the FBI, and US Bank, where I have had an account for several years. Yesterday, I received a letter from them denying my claim on the grounds that as the transaction was posted as requested, there was nothing they could or would do. Upon calling their help line, I was told that my only option would be to pursue this through small claims court. This was because US Bank claimed that so long as I had been the one to make the transfer, despite it being made due to fraud, they had no further responsibility in the matter and would not take action to return money that had been reported stole through fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank failed to address fraudulent activity submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX Bank did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). 

The information reported to the credit bureaus is fraudulent as I have rescinded my signature from the original application due to fraudulent activity. 

The letter to XXXX was a signed affidavit. Attached is an unsigned copy as reference. 
XXXX Bank has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result I no longer have an authorized account with XXXX Bank. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.
Product: Money transfer, virtual currency, or money service

On XXXX XXXXXXXX  I deposited {$840.00} in my cash app count from my chime account. I woke up a was asked to verify my cash app account. I verified the account and cash app snatched my money out and closed the account. I contacted cash app trying to see where my money was and why my account was closing. Cash app stated the amount violated there terms. And that they sent it back to my chime account. Today is XX/XX/ and no money has been sent to the account. One cash app rep said they have my money they just dont know where to send it to. He put me on hold on and hung up. The next rep said they only see {$55.00} in my account. The next rep said they didnt see anything. Right now my chime is working on a dispute with this. Cash app unlinked all my cards and email from my account but some how Im getting emails saying someone is doing disputes on my account. I just want my money I will never use cash app again they are scammers and I have video recordings of me calling them and all the different responses. They had me open an new cash app saying they would send my money to there. Then they closed the new account as well and didnt put anything in the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do. 
I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these Experian, XXXX, XXXX today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.