23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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Product: Mortgage

My late Father executed a Security Deed for a residential property. Now which was duly recorded. Upon my Fathers passing his longtime female companion remained in occupancy of the home and continued payment of the mortgage to cover her permitted occupancy. We were informed that the mortgage was sold. As Executor of my Father 's Estate, I established contact with the Mortgage Company. They refused to provide a status of the mortgage account despite my presentation of a probated Will, proof of Executors authority and all other pertinent instruments to confirm Plaintiffs authorization. A Check for the mortgage which was cashed and not accounted. Additionally, another Check was returned by the mortgage company refusing to accept payment. They have subsequently sued the Estate to begin foreclosure proceedings one year ago. Recently, I received a letter and a check from the mortgage company for a refund of Escrow claiming that I requested it. That is a confirmation of their inaccurate accounting and wrongful actions as I nor anyone authorized requested a refund. The mortgage company 's actions violate the right of myself and siblings who are beneficiaries of the Estate for that reason I ask for your immediate investigation.
Product: Debt collection

I have not done any business with Allied Cash Advance since XXXX and the account I had at the time was included in my Chapter XXXX Bankruptcy that was filed on XX/XX/XXXX. I have requested proof of the debt from XXXX XXXX XXXX XXXX  multiple times and they have not provided me with any such documentation nor were they able to provide me with any specific information as to date of the last transaction or the date of the original transaction. I also informed them, by phone, that I have not done business with Allied Cash Advance since XXXX and that any amount that was owed to that company was included in my Chapter XXXX Bankruptcy. They told me they couldnt provide me with any information and to contact Allied Cash Advance to obtain this information. When I contacted Allied Cash Advance they were unable to locate any account in collection. 
I contacted XXXX XXXX XXXX XXXX XXXXgain on XX/XX/XXXX and XX/XX/XXXX and told them to stop contacting me at my place of employment and on my cell phone.
Product: Credit card

This is the second complaint against Citibank, they have sided against us in a credit card dispute we provided more than enough CLEAR information and receipts to prove that we never received a large item we paid for. 

we opened a dispute with them and they gave the merchant 45 days to respond, the merchant didn't respond but Citibank decided to rule against us in the claim according to them we didn't sign the paperwork properly ( we did ) after filing with CFPB the first time ( XXXX ) Citibank then opened the claim again, and gave the merchant ANOTHER 45 days to respond to them all the while Citibank is holding {$9000.00} hostage on my credit card and it is heavily impacting my families financial situation, what Citibank is doing is completely unjust ad our next step will be taking legal action against them
Product: Debt collection

Hunter Warfield is trying to charge me for a full months rent plus late fees and trash removal fees. Also for no returned keys. The leasing agent that I was in contact with during my move out is no longer working for the company. I put my notice in 60 days prior to moving out. My lease ended the last of XXXX. I moved out at the end of XXXX. That is 60 days! I cleaned my apartment from top to bottom. No damages were reported. I should have received a {$300.00} deposit that was paid prior to move in. I received a collection nearly 6 months later on my credit report for {$1700.00}. XXXX XXXX was the leasing agent I spoke with during that time. She verbally verified that I owed {$0.00}. She even called me when the new rental company I was trying to rent with emailed her for info. She sent my ledger over which was {$0.00} balance. As far the keys they were dropped off in the office after office hours. The little trash that was left in the apartment was bagged and ready to go to the dumpster. The only reason I didnt dump it is because the dumpster was over flowed! There was trash everywhere around the dumpster. I didnt want to add to the trash. There was no food left in the apartment. I also have a print out of my ledger with {$0.00} balance that was printed while on contact with current rental company. If I owed money then that would have affected my chances at getting my new place. They are trying to make me pay for something I am not responsible for. I put my notice in if the leasing agent dropped the ball thats not on me. I did my part. And moreover they changed leasing agents pretty frequently so it would be easy for a mistake to be made.
Product: Debt collection

On XX/XX/XXXX Dynamic Recovery Solution sent me a collections letter about a credit card XXXX XXXX. This card was a part of my bankruptcy in XX/XX/XXXX. Over 23 years ago. The bankruptcy has since been deleted off of all 3 credit bureaus. Dynamic Recovery Solution recently brought this collection from another collection agency XXXX XXXX XXXX. I no longer have a debt and in collection for this credit card. It was resolved in bankruptcy court, and statue of limitation was over in XX/XX/XXXX ( 10 years ago ) This seems to be illegal on the part of Dynamic Recovery Solution.
Product: Debt collection

These crooks are sending fraudulent emails to my personal email account trying to commit fraud!!! I dont know them, nor do I owe XXXX XXXX any money, this is an ex employer from 2008!! I also dont have a clue what they are talking about!! I am XXXX XXXX XXXX XXXX and have worked for XXXX, XXXX and XXXX XXXX  and been hacked numerous times do my guess is someone has committed fraud or this bunch of crooks are doing so! This is my official Cease and Desist order to them, they are not to contact me or anyone I know or my family at any time and if they continue to do so or to resell that fraudulent bill I will sue them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX to removed XXXX XXXX off my credit report 30 days ago.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2016 BANKRUPTCY New York Federal XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/year> at XXXX XXXX  a company called me from the number XXXX XXXX. 

They claimed to be representing " MCM '', and asked me to confirm my name. They then asked me to confirm that I am the spouse of " XXXX XXXX XXXX '' ( redacted so this can be shared ). I told them I am not her spouse. They then immediately asked if I knew her and could help them contact her. I told them I do know her ( she is my sister ), and asked what this is about. They said it was a " personal business matter '', so I told them I could not help them and hung up. 

They called me again on XX/XX/year> at XXXX XXXX  from a different number : XXXX XXXX. My caller ID showed the number as being from MCM. The conversation went identical to the XXXX, with them asking me to confirm my identity and that I am XXXX XXXX 's spouse. I told them once again I am not her spouse, and again they asked if I knew her and could help them contact her. At this point I very clearly told them they have called me multiple times despite being informed I am not her spouse, and that doing so was a violation of the FDCPA. 

I have not shared an address with my sister since I was a minor, over XXXX  years ago. I am also married to a woman with a different last name, so there is nothing in the public record that would indicate I am the spouse of XXXX XXXX. It is clear to me they know I am not the spouse, but are claiming to believe this to justify contacting me in the hope that I will help them contact my sister.
Product: Mortgage

I was contacted by XXXX XXXX XXXX about the refinancing of my home and during this phone conversation trying to get me to refinance with this company i was told that I could cash out {$500.00} dollars and it would only raise my payments approximately {$5.00} a month. I was also given a payment amount and I then stated for them to make sure that it was correct because I pay both city & county taxes and for them to figure them correctly to get my payment correctly. When I received the info of the payment it was raised over {$50.00} which I excepted since I was going from an adjustable loan to a fixed mortgage. I explained that I was at their mercy because I do n't understand all of this stuff. Then when all was completed, I attempted to contact these people that I dealt with and they would n't answer, return calls, or emails. I then contacted the manager and he stated that the employee made a mistake and said that that it was coming from my escrow that I paid to the other mortgage company on previous loan. I explained that is already money that I was getting back and they did n't know how much that I paid in escrow Plus that it was discussed about it raising my payment to get this money. The manager then told me that it was n't an unreasonable amount so he will email the VP immediately and get back with me 2 days later on Thursday and he did n't. He then would n't answer calls from me and I sent him a email that he did n't respond to as well. I contacted someone else which they emailed the manager and he finally contacted me back and told me they were not going to honor what I was told because they said that I got a refund from my previous mortgage lender. I explained again that has nothing to do with what was discussed and that they had no idea what I had in escrow during this time of trying to sell me this loan. I also told him that these type of lending practices are not ethical of promising stuff to get me to buy a loan from them and then not honoring what they stated during these recorded conversations after I sign loan agreement was n't good lending practices and that I would report this!
Product: Debt collection

I have not received any notification from Monterey Collection Services that was reported to the credit bureau on XX/XX/2022 nor any documents to dispute such debt. In fact, I have not received any billing statements from this company with any financial agreements. I reported this company for fraudulent practices, including falsified documents. I have requested numerous times for documentation containing my signature as verification, but have still not received any such documentation.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, and the following fraudulent accounts have been identified on my credit report. I request that these accounts be immediately blocked and permanently removed from my credit file in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$8500.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$860.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$950.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$26000.00} XXXX - XXXX - XX/XX/XXXX - {$830.00}
Product: Debt collection

A credit card was opened in my name, " XXXX XXXX XXXX XXXX XXXX' and now a collection agency is negatively affecting my credit by trying to collect on it. I was incarcerated at the time this was opened ( XXXX ) so they can't and haven't provided proof of me opening this card. I need this removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have both failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX or Equifax have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX my consumer report, there is late payments reported and Fraudulent accounts which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a dispute to Equifax using my Equifax I in cluded FTC Report, Police Report, and driver 's license, I requested to block and removed all fraudulent accounts from my credit report. As identified in 15 USCS 1681 c-2 blocking of fraud accounts, however, on Monday XX/XX/2024, I contacted Equifax by phone at XXXX to speak to THE OFFICE OF CONSUMERS AFFAIRS. ABOUT why has these fraudulent accounts still on my report after 4 days, the agent name was XXXX in the Office of consumer affairs Equifax. I was told on a recorded called that since I filled my dispute with Equifax on line the document I submitted is not valid and that I would have to mail the documents in that's Equifax policy.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I deposited a {$1300.00} LOAN check received from XXXX XXXX XXXX XXXX TX location. I made inquiries about the possibility of paying the loan off early and whether there were penalties. The representative stated there were no early pay off penalties and if I decided to pay the loan off early, I would only be charged interest up to that date on the balance of the loan amount. This sounded legitimate and I proceeded to deposit the check.

Each month I hand deliver a money order to the local office. On XX/XX/XXXX I was three payments in, and I called the company to get a payoff figure for my account. I was told if I paid the account off on that day, I would owe {$1300.00}. This amount was more than the amount I borrowed, and this triggered concern and prompted more investigation. I further asked her how my payments were being allocated. She stated that of my {$110.00} payment, {$57.00} was being paid toward interest, and {$56.00} was being made toward the principle. This indicated my payment was being split nearly in half.

I never received an amortization schedule or payment allocation notice about how my payments will be allocated from XXXX XXXX. According to the promotional material/contract, all the terms were included in this one document. I initially understood that I was accepting a loan for {$1300.00} with a 63.78 % per annum interest rate.

The Payment Schedule description defines 18 payments of {$110.00} each month beginning one month after the check is paid detailed in the Truth In Lending Disclosure Statement ( TILDS ) on the front of the promo contract.

To date, I have made 5 payments as of XX/XX/XXXXtotaling {$560.00} where not even half has gone toward principal. I am being charged nearly 50 % with each payment, and still being charged on the TOTAL of payments outlined in the TILDS. The Total of Payments clearly states The amount I will have paid after I have made all scheduled payments. Which I interpreted to mean only if I stick to the payment schedule until the end of the loan period of 18 months.

I would have NEVER agreed to accept a loan that would charge me 50 % of each payment on top of 63.78 % annually.

I believe that XXXX XXXX  intentionally neglected to explain clearly the terms in their promotional contract or further confirm the conditions by following up with a written document that provided an official amortized schedule. I believe this to be predatory lending practices. I believe they intentionally overcharging consumers and being deceptive and ambiguous with their language.

I have attached a copy of the promotional document that was attached to the {$1300.00} check, the last/most recent payment receipt showing payment/balance, and the amortized schedule that my attorney friend provided during our consultation.
Product: Checking or savings account

My chase checking account is closed around XX/XX/XXXX and I call the customer service they told me will refund me in 11 days and closed my account. I have XXXX living expenses on it and I havent receive it for 3 months.
Product: Credit card

Creditor : Avant , LLC XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Creditor charges late fees in excess of regulations.

Creditor takes longer than 10 days to process payments by check, and instead of showing on the account that the payment was received on the date the payment was actually delivered to mailbox, or at least the date it began processing the payment, it posts the payment date as the date the payment cleared, or the date the date it completed processing, which can be a week or more from the date the payment was actually delivered. Creditor then charges a late fee during this period, and refuses to remove said fee. A late fee of {$25.00} on a credit limit of {$300.00} is outrageous. This fee is also in excess of regulations on credit card companies with more than XXXX account holders, which Avant boasts of on its website. This is a predatory practice and should be investigated by the CFPB.