23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, my name is XXXX. I'm contacting you because my elderly mother has run afoul a bad situation. 
She has been trying to pay her mortgage through XXXXXXXX XXXX, and they have stopped taking her payments ; I have proof of this. I also have proof that she has contacted the company, and they have refused some of her payments because, they claim, it won't bring her account to balance, but they have neglected to show how much it would cost to bring the account to balance. 
They have also refused her payments without specifying a reason. She has tried to contact them, and reached a person named XXXX XXXX. XXXX XXXX claims that no payments have been made, but that is not true. I have proof. 
My mother has also run her credit through two bureaus, and both show that she does NOT have outstanding payments, but XXXX claims that they will place the property into foreclosure. 
This is the strangest thing I have ever come across. If I owe a credit company or bank money, they'll take whatever payment I can make -- with late fees and such -- but they won't refuse money. 
I am trying to make sure my mother won't lose her property. Can you please help? I have paperwork, replies, and copies of payments attempted. 
I believe the media is more powerful than lawyers, which is why I contacted XXXX XXXX, and we think you can help us. Would you be willing to look at what I have? Thanks in advance. 
P.S. They claim she owes XXXX grand for the property but on the credit report, it shows she owes nothing. Which is it? 
We don't know. Please help us. I am XXXX. She is almost XXXX and retired. We don't know what to do. 
We have some money and would like to square things away, but XXXX seems bent on refusing money. I will provide all the paperwork we have, which is substantial. 
Thanks again.
Product: Checking or savings account

Apple Savings states I have to verify ownership of my checking account with XXXX XXXX XXXX XXXX. I made several attempts at contacting both, XXXX has reassured me that they have the appropriate information on file to provide Apple Savings/ Goldman Sachs with information for verification. The XXXX third party verification form was completed on XX/XX/2023. 

I confirmed XXXX has documents on file to release verification information. When I contact Apple Savings/ Goldman Sachs verification line, they always fine another reason to not be able to assist. They contacted Card Services, NOT XXXX XXXX XXXX XXXX. Then they say XXXX is closed. The list goes on. The Apple Saving supervisor said I could just simple call them from the bank, then another representative says I have to call back, etc. 

I have a direct contact at XXXX, XXXX XXXX, XXXX. 

However, Apple/ Goldman Sachs says they cant call him directly.

So, after multiple attempts and different excuses every time, obviously there is an issue with Apple Savings/ Goldman Sachs XXXX not XXXX XXXX 

This shouldnt be allowed. Im not sure what all the problem is since I pay my Apple Card/ Goldman Sachs through this very same account. 

When I asked the spelling of the name of the employee, she disconnected. When I called back, they refused to make provide the information. 

I can not even explain the amount of time Ive had to spend on the phone, only to be hung up on when I ask the supervisors name. How can an institution get away with this? I can not believe that a director at XXXX XXXX XXXX XXXX calling on my behalf is not acceptable to verify ownership. 

Once I contacted Goldman Sachs after the originally supervisor hung up, my final point of contact would be XXXX. She gave me reference # XXXX. She stated I could call with that reference number, and she would be contacted since she is manger AND supervisor of the savings department of Goldman Sachs. The only thing XXXX could do is make comments to the account. She said no follow up would happen. She submitted the complaint to a team within Goldman Sachs Savings department for review- but they would not have a need to follow up. 

Please help or advise. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have three accounts that still show on my experian account and I disputed this and it still appears on my credit report even tho it has past the on record till XX/XX/2024 and I want them removed from my credit report since it's a hard inquiry it's hard to try and open a credit card to build back up my credit
Product: Credit card or prepaid card

I used Care Credit to pay for my XXXX  XXXX in XX/XX/2022. It was a 2 year payment plan with no interest and I have been paying the monthly payments with autopay. I had a balance of {$1100.00} in XX/XX/2022. On XX/XX/XXXX, they charged me {$1200.00} in interest alone as soon as the 2 year mark was reached. The interest rate is more than 100 %. When I called, they refused to waive this interest even after I offered to pay my balance in full. For a credit card company that is for XXXX, this is outrageous, and they did not even alert me about this prior. How do you charge someone more interest than their account balance? This is very unethical and will bring financial hardship on my family. I would be grateful if you can help me with this. 

Thank you,
Product: Debt collection

Transworld Systems sent me a letter indicating they collecting a medical bill debt. I believe I have paid this bill and attempted to call their customer service number multiple time. There is no answer -- only a strange message about an extension number. I logged on to their website only to find there is no way to dispute this debt on the website. They provide the same phone number described earlier. 

This also happened to me in XXXX 2014. I still have that issue on my credit report. 

This company makes it difficult or impossible to contact them.
Product: Student loan

I have been getting calls everyday twice a day ( both home and cell ) from both places I have student loans from. Sallie Mae and XXXX are constantly calling whether a payment is scheduled or not. Sallie Mae will not work with other payment arrangements either.
Product: Debt collection

LvXXXXv funding llc closed the debt account but yet its still on my record. Maybe its in process?
Product: Credit card or prepaid card

In XX/XX/2019 my card was stolen. There were lots of charges. Citi notified me via phone and text that my card had many charges and asked if I recognized them, I said no. They disabled my card and gave me credit for charges that werent mine. 

Suddenly in XX/XX/XXXXthey reversed the charges for 2, with out explanation, and I have called Citi Fraud Department over 10 times trying to get someone to explain to me and also get them to reverse the credit.

Citi Fraud keeps telling me that someone will call me back, and they dont. That the investigator is on vacation but its been over 4-5 weeks now. I have a high balance on my credit card and NO explanation for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to log into XXXX to access my account to view my credit information as well as placing a credit freeze. I am seeing this message when attempting to log in " We are temporarily unable to complete this request. '' I have tried multiple times reach out to speak to one of the agents, but have been unable to get in contact with an agent. I can not setup services as I am getting messages that my report is frozen, yet I do not have the ability to unfreeze, view or access the credit report online at all. Even If I select to sign up or pay for a service I still see that error message. This error message has been displayed for months on the account. 

I have also reached out to Transunion though this time I was able to get in contact with a representative. They told me there was in fact an issue with my account and that a manager would reach out to me in 24-48 hours. This was roughly 2-3 weeks ago and I have not heard back from them yet. I can not access my account here as wellXXXX
Product: Debt collection

The lawyer filed the paper work stating that I have been served paper work to appearing court for a collection on a debt that I owe. I never had anyone from a court serve me paper work in person. I found out later that a judgement has been issued for me to pay, so I 'm filing a complaint against the law firm.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has all violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 

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 The Fair Credit Reporting Act has violated my rights 15 U.S.C 1681 section 602 A states, that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states, that a consumer reporting agency can not furnish an account without my written instructions. I have no knowledge of these companies and they should not be reporting as I never permitted the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this.

I was never notified in writing, per 15 U.S.C 1692g before an account was on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) the procurement of the report by that person. ) Privacy Act considerations.

A delinquent debt may not be reported under this section unless a notice issued under the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau.

The Privacy Act of 1974 is a federal law that governs the collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure.
Product: Vehicle loan or lease

Hello, I purchased a car from American credit Acceptance. When I purchased the vehicle, it was right in the middle of Covid. I was advised by XXXX XXXXXXXX it was 11 percent interest rate a month. I have been paying on the car for over 2 years, and paid about {$15000.00}. I noticed that only {$2000.00} went to principal and the rest to interest. I called the company and they advised me that the loan is for 56 % a month!!! I advised them I never agreed to that and they refused to help in any way. With such a high interest rate I called them and told them I would like to surrender the car. They told me it was fine, however they did not do a self surrender, they repossessed the car, and told me I had to pay all the fees. My husband is XXXX, he is XXXX. With only myself working, I would have never agreed on 56 int rate. I do not know what to do. I just need someone to help me. I worked so hard for this {$15000.00}, and it all went to garbage, and the car is gone. Please help me. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX has violated my rights., 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
Product: Credit reporting or other personal consumer reports

There are fraudulent collections and inconsistent and inaccurate information on my credit report that needs to be removed immediately XXXX XXXX XXXX for {$170.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX for {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX HARD INQUIRIES AS WELL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of 2020 my Bank of America account was closed due to someone trying to commit fraud in my bank account. Due to that I can no longer do anything with my credit or open another bank account which I find unfair due to me XXXX XXXX not knowing someone was trying to hack my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : 1. XXXX XXXX XXXX XXXX. XXXX, XXXX, A XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX A XXXX XXXX. XXXX A XXXX XXXX. XXXX A XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX A XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - Incorrect Address ( es ) : * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - Correct Social Security Number : XXXX - **Correct Address** : XXXX XXXX XXXX XXXX APT XXXX, XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary.

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

XXXX  rights have been violated I did not give XXXX  instructions for these accounts to be place on XXXX XXXX report REMOVE IMMEDIATELY THIS IS A Violation ALSO. THESE ACCOUNTS ARE Reporting on XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Procedure in case of disputed XXXX  ( XXXX ) TREATMENT OF XXXX  OR UNVERIFIABLE INFORMATION ( A ) In general If, after XXXX  reinvestigation under paragraph ( XXXX ) of XXXX  information disputed by a consumer, an item of the information is found to be XXXX  or incomplete or can not be verified, the consumer reporting XXXX  shall ( i promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian credit to dispute inaccurate information on my credit report and they have yet to correct the issue, I have submitted documents over to them about inaccurate information and told them to remove it because they a violating the fCRA and still have this information on my credit report that is inaccurate. 

The three accounts that are in dispute for inaccurate information and need to be removed due to that are as followed, also attachment are included to verify this 1. XXXX XXXX XXXX ( inaccurate payment history 2 XXXX XXXX ( balance is incorrect and this is not a charge off account ) 3. XXXX XXXX ( balance is incorrect and not a charge off account )
Product: Credit reporting, credit repair services, or other personal consumer reports

you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state of Florida.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Product: Money transfer, virtual currency, or money service

I have been trying to cancel my subscription and. Lose out this account since XX/XX/year>. Ever month fees are taken out and all I am getting is errors and cant speak to a live person. 

The process to close out the account I have to enter Albert Cash debit card to confirm your Cash account closure. I dont have an Albert cash debt card as one was never issued. I tried but due to the making address I am using it wont send one. I have been living in motel and have no residence address. So I have been forced to deal with fees of {$XXXX} taken out every month. I cant unlink my bank account with adding another which I dont have snort to provide.
Product: Mortgage

Hello my name is XXXX XXXX and I was currently a home owner of my house in XXXX XXXX XXXX XXXX XXXX fl XXXX. I was on a mortgage with XXXX XXXX and they sold to a company called RUSH MOORE I was giving my payments every month and apparently they didnt receive the payments but I have proof of the payments as well as my bank is doing an investigation and found an off shore account, please help up investigate the company and ask them to reopen cases to stop the sale of the home that they are trying to sell now. 
We been living in a hotel for 9 months with no one to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I have disputed information on my credit report that I have not provided to any Credit reporting agency. When I disputed this information on my credit report to TransUnion, XXXX, I was told by both agencies that their information is accurate and was validated by the Federal Bankruptcy Court house XXXX XXXX Utah provided them with my personal information and I would need to contact the courts. Which I so happened to do so and received a letter stating no such information was given. TransUnion, XXXX both lied. This information was added to my Credit Report without my Knowledge or Consent! in my letter I'm directed to contact the Attorney General, FTC. I request that TransUnion, XXXX either provide documents they have legal rights to add this to my credit report or delete this file. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] you need to remove the follow accounts : XXXX XXXX XXXX XXXX Account number XXXX Account type Unsecured Date opened XX/XX/XXXX Status Petition for XXXX  XXXX Bankruptcy. 
Status updated XX/XX/XXXX XXXX  XXXX bankruptcy petition Date filed XX/XX/XXXX Date resolved - Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XXXX XXXX Further, Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit record, I have identified several closed accounts that should not be included. This complaint serves to bring 3 credit bureaus ' attention to the violation of consumer protection laws and request the immediate removal of fraudulent accounts from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX