23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a condo in XXXX. My original loan with mortgage 1 was sold to Amerihome mortgage soon thereafter. In XXXX XXXX of XXXX I was offered a streamline mortgage by Amerihome. At first it seemed a good option as it lowered my interest rate a little, and I was told there would be no fees whatsoever. Near the point they were to send someone to my condo for some type of inspection, I was told by California based mortgage rep that he was preparing closing docs and that I would be required to pay a percentage point on the loan. I refused telling him he had told me no fees. He tried and tried to make me think that the streamline loan was in my best interest. He was very pushy, I became upset and refused further, eventually hanging up phone. 
On XX/XX/XXXX Amerihome took {$930.00} from my escrow account. They labeled it an escrow refund, as shown on escrow statement provided. I did not receive an escrow refund. On XX/XX/XXXX I was sent an escrow shortage notice, and told I needed to pay {$960.00} to cover the shortfall. I was not able to do so. So they increased my escrow monthly payment. I have spoken to Amerihome several times regarding this.on XX/XX/XXXX a Supervisor named XXXX told me Amerihome had mailed a escrow refund to me for {$400.00} some dollars, but that apparently it had been sent to the wrong address??? Something about unit number showing XXXX not the proper unit no XXXX. When I told him it was {$930.00} which was deducted and not the XXXX and some amount, he became very sarcastic telling me he would look into it. I never heard back from him. I spoke to Amerihome representatives many times after this and was basically given a terrible run around. 

Unfortunately, at some point I misplaced the Amerihome documents, but luckily recently recovered them. I will copy all pertinent documents. 

Your help in this matter will be greatly appreciated!
Product: Debt collection

I took out a payday loan with Advance cash during the Covid pandemic. I could not continue to pay it off with the high interest and high payments. The interest they charge is far above allowable usury so I am not sure how this even happens? How do I know after making payments for as long as I did is the balance higher than the original loan amount? Advance Cash sold this debt to XXXX XXXX XXXX. These people have called me, my mother and my sister and threatened to come arrest me at work. They have sent several messages about pending legal action, warrants, and asking my address to come arrest me. They have also sent several emails saying there was a warrant out for me and even used a lawfirm paper head saying i had an active case. I called the lawfirm and learned that was a lie and that these people were representing themselves using the name of a big law firm to intimidate me. Now I see that XXXX XXXX XXXX has reported this on my credit report. When will this harassment end? This cant be Ok!
Product: Credit reporting or other personal consumer reports

Experian Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. The inaccuracies pertain to the payment history for an account listed under XXXX XXXX XXXX XXXX Account Number XXXX Auto Loan. 

According to the report, the account was opened in XX/XX/2024 ; however, the payment history does not reflect this, and there are additional discrepancies regarding other details of the account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. 

Specifically : FCRA 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate disputes regarding the accuracy of information in a consumer 's file.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates that credit reporting agencies maintain maximum possible accuracy in consumer credit files. 

Please review and address the following inaccuracies : Account payment history is inaccurate and does not align with balance history. 

As mandated under the FCRA, you are obligated to investigate and correct any errors on my report within 30 days. 

Please conduct an investigation and provide me with an updated copy of my credit report reflecting the corrections. If additional information is needed, feel free to contact me via the information provided above. Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been resolved. 

Sincerely, XXXX XXXX
Product: Credit reporting

i reported to equifax that this information on my credit report is incorrect. I even mailed them proof that the company XXXX stated that they made a mistake and the info should have not been reported to the credit Bureau and that they are willing to delete account from credit. Equlfax refuse to remove the inaccuracies from my credit report. When they have received all proof.
Product: Checking or savings account

This XXXX XXXX  account has been closed for 3 years why I'm I getting a letter saying I owe them {$220.00} I will not going to paying this amount I lost my job I lost my wife to XXXX I am struggling financially I will not pay please leave me alone
Product: Debt collection

I opened an account with XXXX There was a third party credit check applied 6 months into my agreement that was sent through mail to inform me of identity theft though XXXX use of my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian via phone on XX/XX/2021 to remove a hard inquiry. I told them that the inquiry did not belong to me and I tried to contact the vendor and they did not provide any information. I wanted to have the inquiry removed and they said that they did not have the ability to remove a hard inquiry.
Product: Credit card or prepaid card

I received my credit card bill from Bank of America. I have been making payments towards this bill for a year. Each time I paid more than the minimum balance and each of those were paid on time. In XXXX, I paid my entire balance in full. Once again the payment was made on time. I thought that would be the end of it, " paid in full ''. Two weeks later I received a credit card bill from BOA. The charge was for interest, {$82.00}. When I called them to find out the reason, they informed me that because I did not pay the last two payments in full, the interest was added daily and that is how they computed the amount that I owe BOA. With this logic, that means that BOA charged me interest on the remaining balance that I paid off, and still charged interest on the grace period as well. I was being charged double for the same bill.
Product: Checking or savings account

Wells Fargo continuously charges me overdraft fees for the same charge also I spoke with them on XXXX and a few months back about money disappearing out of my account it shows in my account that I have a certain amount of money in there and when I tried to switch the funds over I received an alert telling me that I didn't have access to the funds. It told me I didn't have that amount in there when I'm looking at it show me, it was {$200.00} the first time and then afterward it was about {$400.00} mystery missing which I couldn't prove at the time because the money disappear I spoke with a young lady a few months ago who works at wells Fargo who admitted that they were fraudulently opening up accounts and taking money from out of people account, but she assures me that they were no longer doing that because they are under new management, well that's a lie. On XXXX the guy that I spoke to told me that I did not have enough funds in my account to cover to restaurants XXXX & XXXX XXXX which is a lie because you can not get to those restaurants and get food with no money because it will decline also I don't have overdraft protection and I did not go to those restaurants on the days they say I went so that's the first lie they told then I get charged {$35.00} each time for that two transactions plus another {$35.00} for a credit card bill two times. I hope ya look into this deeply because wells Fargo are still doing fraudulent activities and at this point because they refuse to acknowledge my complaint I will be contacting a lawyer and news station.
Product: Credit reporting or other personal consumer reports

to indigate and resolve my issue with these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and the elimnation of the following inquirires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and Im utterly confused about how this could happen. I checked my credit report as part of my regular routine, only to see errors Ive never noticed before. I even tried refreshing the page multiple times, hoping it was a glitch, but the discrepancies wouldnt go away. I urgently need the documents Ive sent to be reviewed thoroughly so I can feel secure again.
Product: Money transfer, virtual currency, or money service

I signed up with Gemini in XX/XX/2021. Since then my account is in an unverified state. 

I have contacted their support team through all possible listed channels : the website, XXXX, and XXXX. No response was given to me in order to resolve my situation. Because of this delay, I can't move my {$400.00} USD out of XXXX. " XXXX XXXX is Proudly Owned by Gemini '' stated on the https : //niftygateway.com. It looks like they purposely hold my and people 's funds hostage. You can deposit to XXXX and the only way to withdraw is to move the funds to the Verified Gemini account. 

When you create the account they don't verify you and hold your money. It looks that they do it on purpose to keep the money flow and acquire more users. This is all getting to the point where it looks more like a scum practice, please resolve this issue as soon as you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
This account was removed but mysteriously found its way back onto my reports .... 

XXXX  : XXXX, XXXX XXXX XXXX XXXX # XXXX {$280.00} TRANSUNION : XXXX XXXX # XXXX {$280.00} look at the difference in the creditor names ... ... this is fraud ... .please remove immediately as it was before and please don't allow this to be put back on my credit file
Product: Debt collection

Midland Credit Management calls me at least 10 times a day for a charge-off on a XXXX XXXX XXXX   credit card account. These are the violations Ive noted so far : 1. Account was sent to charge-off after less than 120 days of late payments 2. Calls me at least 10 times a day including on a number which I did not authorize for them 3. Ive asked MCM for documentation to verify the debt and the amount and they have said the do not have the information 4. Supervisor from MCM was rude and harassing on recent phone call and told me I should have all the details on my end to verify the debt since it was your card I did complain that my card was stolen and I havent used the card in a long time. My understanding was that I had closed this account but surprised to now get calls from MCM. I am convinced that something very odd is happening between the way XXXX XXXX issues credit and how they close accounts into charge off process.
Product: Mortgage

1st Bank :   XXXX   XXXX   XXXX   they proposed me monthly 3 time trial period payment of {$1700.00}. I was very excited for this and was ready to pay my monthly mortgage to keep my home. After I made those trial payments   XXXX   XXXX   XXXX   transferred my loan to a company called  XXXX .
2nd Bank :  XXXX  started a foreclosure process on my home right away. I was very surprised they did that as I was under a loan modification and have already paid the trial period payments in total of {$5100.00} for the three months time to the previous bank,   XXXX   XXXX   XXXX   I then contacted them asking why they said you are past due for a long time and we will sell your home. They told me I could apply for loan modification and maybe I can be reviewed. After a couple of months sending them all requested documents I have finally approved for a loan modification. They offered me another 3 month trial period payment in the amount of {$2400.00}. I was very shocked to see that the amount went up from the previous offer I received from   XXXX   XXXX   XXXX  . I was very unhappy to the increase in the payment but I had no other option because   XXXX   said if I did not pay and agree to this amount they will foreclosure on my home. So I paid the 3 months trial period payments in total amount of {$7400.00}. And once again after paying I got transferred to another servicer Fay Servicing, who is doing the exactly the same thing.
3rd Bank ; Fay Servicing is my current company now. Same story as with the other banks. I have to redo the loan modification process all over again. I have submitted all documents to them but they still have me under foreclosure which is set for  XXXX / XXXX /2017,  XXXX   XXXX , 2017. I just do not want to be on the streets with my family. Ive paid out of pocket 2 times already to   XXXX   XXXX   XXXX   and  XXXX  in total of {$12000.00}. I dont want to pay out of pocket again just to be scammed for my money that does not go towards anything.
I have given Fay Servicing all required documentation and they have agreed that they have a complete RMA packet they have sent my RMA packet to underwriters for review but the sale is still scheduled for  XXXX   XXXX , 2017. Fay Servicing will be in violation of the Homeowners Bill of Rights Act if they proceed with the sale.
Product: Checking or savings account

This complaint is against cash app For multiple misusses of my account from 2018  untill present time
Product: Mortgage

The account was closed but a refund from the escrow account was due. The mortgage borrower has passed away. I am the court appointed administrator. The loan number is XXXX despite repeated calls and letters the bank has refused to issue a refund of the escrow to the estate of the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative of Stellar Recovery Company, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with Stellar Recovery Company. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian shows XXXX  XXXX  XXXX as not paid, this medical bill has been paid in full, see attached
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 XXXX XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX 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.

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> I.C SYSTEM, INC XXXX XXXX, XXXX Debt Validation, Cease and Desist, and Request for Assignment Contract Dear I.C SYSTEM , INC, I am writing in response to your recent communication regarding an alleged debt associated with account number XXXX. Please consider this letter a formal request for the following : 1. Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide valid documentation to substantiate the existence of this debt, including but not limited to : The original creditors name, The amount of the debt, A detailed statement showing the charges and any interest applied, Proof that you have the legal right to collect on this debt. 
2. Cease and Desist : Effective immediately, I request that you cease all communication with me regarding this alleged debt, whether by phone, email, or mail. Please note that this request is made pursuant to the FDCPA and applies to all future communication, unless required by law or a court order. 
XXXX. Request for Assignment Contract : If you claim to be the assignee or holder of this debt, I request a copy of the original assignment contract or agreement that grants you the authority to collect this debt. Please provide this documentation for my review. 
Please be advised that failure to provide proper validation or documentation within 30 days of receipt of this letter will result in my assumption that this debt is invalid and will be subject to dispute. Furthermore, any continued attempts to collect this debt without providing the requested documentation may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Bought round trip tickets with  XXXX   XXXX  and the  XXXX   XXXX  cancelled  1st leg  of the trip last minute and we had to buy another ticket with   XXXX   XXXX   XXXX  for much more. We want to dispute the {$100.00} that we spent  XXXX   XXXX  for the round trip ticket that   XXXX   never fullfillled. We want refund from  Citi Bank Visa.
Product: Debt collection

Received notice in mail from XXXX XXXX XXXX that I owe a debt from a XXXX 's charge account. I contacted XXXX 's and they have no record of the account existing. I received a different notice in the mail during the XX/XX/2017 year from XXXX XXXX XXXX about a different debt, also from XXXX 's that never existed ( i have received 2 separate collection notices from XXXX XXXX XXXX about debts that never existed ). 

I firmly believe they are creating fraudulent collection notices and sending them to people in an attempt to collect on fake debts. Please do something about this company before they successfully scam others!
Product: Checking or savings account

Was unable to withdraw money from the bank. They said the system was down. This was on Monday XX/XX/XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXmittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.