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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$190.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$89.00} XXXX  XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

today XX/XX/XXXX advantage collection professionals called me stating I owed over 1300 hundred dollars from where I had XXXX  in XX/XX/XXXX. I called XXXX XXXX XXXX in XXXX ky XX/XX/XXXX XXXX looked at my file and said I owed nothing to them, that if I did owe anything not paid the business office would contact me before a debt collector. So then I called XXXX XXXX which I paid off the rest of my eye bill XX/XX/XXXX of XXXX. They put a note that bill was paid in full and no balance owed on that card. Not sure if this is a scam or what just want it sorted out. XXXX was paid in XXXX and XXXX was charged on XXXX XXXX which I have already paid off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the foreclosure process in New York State since XXXX. 

I had a well-performing ( perfect, in fact ) mortgage from the XXXX inception until the servicing rights were sold to XXXX XXXX XXXX , XXXX ( XXXX ) just before the original lender/servicer ( XXXX - the old one ) went under in XXXX. 

XXXX was the subject of a CFPB consent order and no longer services loans. I believe that my experience with them was a slightly different scam ; the ones the consent order dealt with involved problem or non-performing loans ; in this case they took steps to ensure that my loan became non-performing. More details forthcoming if needed. 

After damaging my account, XXXX promised they would modify my loan but I would have to stop paying which I did in XX/XX/XXXX. I have made no payments since then. 

The foreclosure case continues ; I answered it and successfully defeated summary judgment motions because so far the plaintiff can't prove that they had standing to sue me. 

I have never engaged in any modification plan or other payments. There is litigation going on ; I appear to be winning ; the Statute of Limitation ( SOL ) on the debt expired in XXXX and if I can defeat the Plaintiff it may be difficult or impossible for them to turn around and sue me again. If I make any payment to them, it destroys my SOL defense. I did not and would not do that. 

The current owner of my loan is XXXX XXXX XXXX. The servicer is XXXX XXXX  XXXX ( the furnisher of the bad credit information ). 
I have rebuilt my credit and had a FICO credit rating with all three CRB 's around 720-750 and growing. 

Suddenly early this month I got an alarm from two of the three bureaus, XXXX and TransUnion, that my score had decreased 75-100 points. 

XXXX had reported to the two that I had engaged in a modification starting in XXXX ( had not reported this purported transaction until recently! ) that was paying as agreed but that the overall account was worth over {$1.00} XXXX and was 120+ days in arrears. 

None of this is true. This account should not have been reported to the CRBs after XX/XX/XXXX. 

I took the following immediate steps : Faxed a letter to XXXX demanding that they correct the error. Had my ATTORNEY fax a letter to the lawyer for XXXX/XXXX   that it appears retaliatory and should stop forthwith. 

I disputed the claim with both CRBs. They appear in no hurry to correct the errors. 

So far, 10 days have passed and no answer to my letters and no resolution to my issue. 

OH ... this is the SECOND TIME this has happened. It happened in XX/XX/XXXX as well, and was corrected at that time.
Product: Debt collection

I keep receiving phone calls from Home Depot credit card. Citi bank is the one who receives the payments. On XX/XX/20 l paid {$65.00} which the minimum was {$28.00} through my credit union bill payer checking account. I had until XX/XX/20 to pay this bill. I contacted the previous agent and he told me to send a copy of my payment to the dispute department which l did. It is a week now and l am still getting harassing phone calls. I have proof so what more can l do to resolve this annoyance?
Product: Mortgage

As per [ Case number : XXXX ], When PHH mortgage Stated in a letter to the Attorney Generals office ; XXXX, that my mortgage was paid in full, on XXXX XXXX, 2016. And where they stated to you people, " Consumer Finanical protection Bureau '', in a email, mortgage was paid in full. To this date, XXXX XXXX, 2016, I have not received the escrow money that is due me for the taxes and insurance, in the amount of : {$2700.00}. They did not send any money to the Tax collector, XXXX, Pa. XXXX. Tax Collector XXXX, Phone # : XXXX, nor to the Hazard insurance Company, XXXX, XXXX., XXXX, Pa. XXXX. XXXX phone # : XXXX, in XXXX 2016. My understanding is they had 30 days after pay off to send my Escrow money back to me. Again, I reiterate, we are now in XXXX 2016, three months later. 
On XXXX XXXX, 2016, My attorney, XXXX, from the office of ; XXXX, sent PHH Mortgage a letter asking for the Escrow. The letter was to no avail. No response, nothing. The letter was completely disregarded.
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 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and 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.

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Have reported to Experian that I owe them XXXX. I have never took out a rental with XXXX but they been calling me. 

I would like to speak with XXXX. I need signatures on documents. That were done by me. Not a PDF online but actually signed documents. 

Ive been a victim of identity theft and I want to make sure I am covering grounds. Before I have to pay anything to anybody.
Product: Mortgage

Quicken Loans. I Called to start a v.a. home loan. I started with XXXX, a high pressure salesman. I informed him that I was interested in pursuing a v.a. loan but needed to finish replacing the roof on my home before i began. he immediately requested my Social Security Number and pulled a credit report and informed me that i qualified for a good rate. he then pressured me into rate locking, even though i had informed him that i was going to be taking some time before proceeding with the loan to complete renovations on my home. I uploaded all documents requested of me, along with these documents was a statement of my home owners association dues. I live in a single family detached home in a private homeowners association of which XXXX was aware of. We are also on a community well. They requested credit card information to proceed with getting a appraisal scheduled. My credit card was debited immediately and i never got contacted to schedule an appraisal for over 3 weeks. After the appraisal, i was contacted by quicken to inform me that because i was requesting a V.A. loan and i lived in a " Condo '' complex, there was further paperwork required to obtain an aproved V.A. Condo I.D . This document takes 60-90 days to process thru the V.A. and quicken does not assist with that process. I do not live in a Condo complex and i have never heard of such a thing. I was then told that i would still qualify for a standard mortgage at a slightly higher rate. I started to proceed in that direction until a few days later i get the call informing me that because i filed for bankruptcy 3.5 years ago, i was automatically disqualified. XXXX had all my financial documentation almost 60 days prior. They were well informed of my bankruptcy since day 1. Why they attempted to place me in a standard mortgage after the failed V.A. attempt is further discouragement. Quicken mishandled this case from step one. Again, I do not live in a condo. Never heard of a V.A. Condo I.D . before and had no idea it applied to an association. No refund!? 

Desired Settlement : Billing AdjustmentQuit placing blame on the consumer and take ownership of your advertising. You do NOT specialize in V.A. loans. You specialize in making money for yourselves and when you XXXX blame the customer. Learn from your mistakes. If in the future, you get a client on the phone and they inform you that they live in an association, the questions should be asked to ensure that the HOA is not considered to be a " Condo '' I certainly did not know that ... writing mortgages is not my specialty.
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 USC 1681. 

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 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 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. Solution Please delete these accounts in which my consumer rights has been compromised.
Product: Credit card

prior case XXXX. It was NOT resolved. I spent additional dozen of hours and phone calls with the bank including many managers. They would say I will get final balance and statement many times yet the balance on the card is constantly changing and I never received final balance or final statements even tho it was promised. Bank liason I requested previously was only available ones with no info other then empthy promises of help. I was never able to reach them again. These is currently negative XXXX balance on this card that was closed over 6 months ago. Bank is completely ignoring me. It is causing me additional stress and XXXX. Bank of America destroyed the last 8 months of my life. Literally
Product: Debt collection

Company provided services for a medical procedure that they claimed after the fact I owed money that the insurance company did not pay. I did not agree, nor was I aware before receipt of the bill in the mail that this amount was owed.
Product: Credit reporting or other personal consumer reports

I have reached out several times to XXXX XXXX, XXXX XXXX XXXX, Key Bank, and XXXX  XXXXXXXX XXXX XXXX ALSO THE CREDIT REPORTING AGENCY due to the FACTS that 15 USC 1666b there is no such thing as a late payment. 15 USC 1681i I have the right to privacy which was violated because I never gave written consent to post anything to my credit report also 42 USC 408 they are all in violations of Rico which is a crime they can do jail time as well pay a fine. Every single contract was based off of fraud because I was never given full disclosure. I asked for a lawful contact in wet ink signature which no one could provide also we the people are the credit at the moment of signing they give triple the amount of the loan and they fill a 1099 on top of that which would be double dipping. I have reported these companies to the XXXX  and the United States courts of federal Claims due to misconduct everyone have been commiting fraud against we the people and I have several documents to prove it I would appreciate it if they would remove this illegal unlawful accounts off my report immediately.
Product: Vehicle loan or lease

I contacted Truist today ( XX/XX/22 ) in regards to an unknown payment of {$1700.00}, on XX/XX/22, that was showing up on my account. I had never made a payment for {$1700.00} nor was this payment reported on my XXXX XXXX bank statement. After speaking with a representative, they were not able to give me any information in regards to this payment. After sending the representative a screenshot of the payment that was showing on my Truist account, they still could not offer any information. 

I also contracted Truist in regards to a scheduled payment. On XX/XX/22, I scheduled a payment for {$1500.00} to be processed on XX/XX/22. I called to verify the scheduled payment since the website and app would not confirm the payment. In addition, I did not receive a confirmation e-mail. Although the payment was showing that it had been submitted XX/XX/22, it did not confirm that an actual schedule payment for XX/XX/22 was made. Oddly, the representative was not able to confirm that my payment was scheduled for XX/XX/22. I'm not sure how this is possible being that they have more access to my account than I do. In addition, the representative insisted I use the edit payment option in my portal ; at which time I noticed I no longer had access to this option. I may add, this same scenario happened last month, thus my current complaint to CFPB. It is odd that Truist is unable to resolve these minor customer issues which can ultimately cause financial hardship if they are not able to offer their customers the appropriate level of service in regards to fraudulent activity and misappropriated payments.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX XXXX XXXX || DATE OF INQUIRY : XX/XX/XXXX - XXXX || DATE OF INQUIRY : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$3300.00} -This is not my account.
Product: Mortgage

My husband took out a 2nd mortgage on our home in his name only with Ditech.Financial LLC. My husband has passed away and I need to sell my home. My name is on the home but Ditech gave him the 2nd mortgage without my signature. Now with my husband being deceased they refuse to give me, the Title Co. or anyone else the payoff information of the 2nd. mortgage. Causing me to not be able to sell my home, without expensive attorney fees. The Title Co. has reached out to Ditech, via fax, phone and E-Mail. and they will not even acknowledge receiving the information from the Title Co. I have reached out to Ditech, I have even given my sister access and permission to act on my behalf. They deny having that information on file. Now they say they can't even speak to me. My sister spoke with a manager at Ditech, hoping to get this issue resolved. He too is not willing to resolve the issue without expensive attorney fees. I feel like the loan should not have even been given without my signature, if this is the game they play. Is their any way you can help me without having to pay expensive attorney fees.
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 confidentially under 15 USC 1681. XXXX Accounts # XXXX XXXX ( {$840.00} ) Account # XXXX XXXX XXXX XXXX ( {$11000.00} ) 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 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters. 

XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$940.00} XXXX XXXX {$570.00} XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXX XXXX {$1200.00} ( Original Creditor : XXXX XXXX I ) XXXX {$73.00}
Product: Credit reporting or other personal consumer reports

I have request multiple times Validation and any or all evidenace of these accounts affecting my fair credit rights, I have disputed These accounts that I have no knowledge about from XXXX XXXX XXXX  XXXX XXXX Shows in my credit Reports as Act Number XXXX XXXX ) XXXX  XXXX, XXXX XXXX XXXX XXXX Number XXXX XXXX ) Paramount Recovery System XXXX XXXX
Product: Credit card or prepaid card

Hello, I am here to clarify my role when it comes to credit. As far as I am aware, I have the right to credit. I filled out an application with DISCOVER BANK and I was denied my right to credit. This is a form of discrimination as clearly defined under the Equal credit opportunity act. My credit report was pulled without my consent, and under federal law credit scores are not a factor in the extension of credit. CFPB even put an article out stating that credit reporting was optional. So to proceed with adverse actions against me solely on my credit report is a violation of my rights and Discrimination. For the violations, a consumer may proceed to litigation and file a civil complaint for actual damages. This discrimination is a defamation of my character and my rights to privacy.
Product: Debt collection

never went to hospital someone used my name i filed with ftc i called and told them this they dont stop i dont owe this not my debt they call me harrass me telling me there putting me in jail cal me at XXXX
Product: Debt collection

Waypoint purchased an account from XXXX. I filed XXXX XXXX  bankruptcy XX/XX/XXXX. The account went to collections in XX/XX/XXXX. The account was added to my credit report in XXXX. I contacted my attorney XXXX XXXX regarding the account. XXXX contacted waypoint  on XX/XX/XXXX to which they stated they never received notice of bankruptcy and were provided with that. The account has been disputed and waypoint will not fix this account after my XXXX dropped XXXX points because of their inaccurate reporting.