23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, My name is XXXX, I have been scammed by this company Core Advisory Group who promised me that they can help me stop my foreclosure which was scheduled for XXXX XXXX, 2016 and the property went into auction on XXXX XXXX, 2016. Prior to contacting them initially, I received a very promising mail postcard that stated, they can stop/postpone my foreclosure and that I am eligible to a be plaintiff to file a federal lawsuit against my lender XXXX XXXX, and they can reduce my interest rate down to 2 % plus and also be awarded for monetary damages. I called their toll free number and spoke with XXXX XXXX who had explained to me the process so I signed up with this company back on XXXX XXXX, 2016. I paid this company a total of {$2200.00} which included a {$120.00} for their notary service. Everything that they had advertised was all lies and deceit to get me to call them. They promotion about their XXXX XXXX XXXX XXXX where they file complaints against banks to force these banks to give better negotiation terms and stop/postpone foreclosures are n't true. I feel this company have misled me into thinking they can help me but it turns out they ca n't and there was a new change that went into effect on XXXX XXXX, 2016 with my FHA loan that made it impossible for me apply for a loan modification because I am too severely past due, this is something this company should had known from the beginning but they still took my money. This company should have never taken my money upfront if they knew they could n't help people like me. I want my money back. Their program is grossly misleading and now I am out of {$2200.00} plus my home has already been auctioned off. I could had used that money for my moving expenses or hired someone else who knew what the XXXX they were doing but I fell for their promises that they ca n't deliver, and their final attempt to help me was to have me file for bankruptcy or convert me into their eviction defense program which is another way to convince me to allow them to keep my money. After my house was sold on XXXX XXXX, 2016, this company with no sympathy to my pain and embarrassment that I am about to face, went ahead and deposited my check of {$740.00} on XXXX XXXX, 2016. According to the FTC ( XXXX ) rule this company has collected illegally fees upfront before providing me any relief with my mortgage. I hope this is a lesson learned for them to stop this kind of illegal practices and giving people false hopes by lying to them so they can take people 's money that is criminal. I did cancelled with them and asked for my refund but they only offered me {$450.00} out of the {$2200.00} I had already paid them. In desperation I agreed to the amount but they still have n't refunded that amount and its more than 45 days now. This company is a scam and should be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The convergent account XXXX XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$1600.00} and CONVERGENT OUTSOURCING account number XXXX date opened XX/XX/XXXX balance {$1200.00} has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any customer 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 USC 1681 s-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. 15 USC 1681 s-2 ( a ) ( 1 ) 15 USC 1681 c ( a ) ( 5 ) 15 USC 1681 section 602 A 15 USC 1681 section 604 A section 2.
Product: Credit reporting or other personal consumer reports

I have no supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I will be contacting the IRS and will be sueing for statutory damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed I am not an authorized user on this account and I have not signed any documents and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? i need accurate data points please XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Revolving ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX XXXX XXXX Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance {$81.00} {$4400.00} Credit Limit {$4500.00} {$4500.00} Credit Utilization XXXX XXXX XXXX XXXX
Product: Student loan

I had contacted American Education Services and made a payment of XXXX on XX/XX/XXXX. This payment was supposed to bring all 4 loans down to 39 days past due. When the payment was processed, it was not done as specified when talking to the person that took the payment by phone. When looking at the account, it showed one account being 13 days past due, two others showing 44 days past due, and the other was showing 75 days past due as of Wednesday XX/XX/XXXX. I contacted the customer service on this day and there was a request to re apply payment to correctly show the past due time/amount. If the amount paid was correctly distributed as instructed there would be no issue. As of today XX/XX/XXXX, This was still not corrected. 

Upon looking at the account on Monday XX/XX/XXXX at XXXX hours MST i noticed a change in the current interest rate at 6.06 % for two loans ( XX/XX/XXXX and XX/XX/XXXX ) without any notification at all. I received the new repayment terms from AES via the paperless inbox which was dated for XX/XX/XXXX and showed a 5.870 % interest rate. Again, I never received any notification of this change.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 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. 
My name is XXXX XXXX my reporting number is -- XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  acct XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX
Product: Debt collection

Recently, a student loan has appeared on my credit report that does not belong to me. My student has been paid in full for over 15 years. I have tried repeatedly to dispute this with documentation showing it is paid if full, but all I get back is " verified '' or " accurate '', when it clearly is not. I have been XXXX from a XXXX XXXX since XXXX  and I rely on my good credit so that I can survive day to day with my limited XXXX. I am tired of having false information on my report and struggling to get anyone to listen to me that this is not mine as my in paid in full. I don't know how much more documentation I can provide that shows it is paid, or of my XXXX, but it is like no one is actually reading my complaints and believe some company that is in direct violation of the fair credit reporting act. The only thing I have not done at this point, because I can not afford it due to the XXXX is to file a lawsuit against these companies that want to prey on the weak and innocent. I am attaching my documents again in hopes that they will be taken seriously and they will stop reporting information that is just plain FALSE.
Product: Checking or savings account

On XX/XX/XXXX Chase bank placed a HOLD on checking account funds in the amount of {$920.00}. They can give no explanation why. They can't tell me specifically who requested the hold or who at the bank entered the hold ... only the supposed comments which various departments there are disputing the reason for the hold. The HOLD is in effect until XX/XX/XXXX, which I'm told is simply unheard of, cuz, c'mon ... we'll all be dead by then. We have zero documentation to provide for this amount. It just randomly showed up on XX/XX/XXXX as a hold on the account and we can't go under the {$920.00} amount or it causes the account to overdraw. 

Over the past 2 years I've inquired in person at the local bank branch multiple times starting when my elderly mom added me to this account to assist her. It's a total pass the buck and instructed to " call this XXXX # '' dealing with them. I've inquired via online meetings but after several meetings, the representative assisting dropped off the face of the earth unable to resolve it within their organization. I've inquired by multiple phone calls. Today, XX/XX/XXXX, I spoke with personnel in the following departments : Customer Service. HOLD Dept. Decedent Dept. Each one tells me something different and literally passed me back and forth between those departments for 2 hours ending with claims that a supervisor or specialist getting back with me. Usually they just disconnect me so at least is was a successful series of denials of responsibility this go around.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I paid or credit my account with negotiable instrument and the company refuse my tinder of payment Affidavit of truth This matters concerning capital one and those representatives Who handles consumer accounts XXXX XXXX account number XXXX When I start using coupons or negotiable Instruments it is not supposed to be refused Ive been sending in tinder for payment and it has not been excepted I also Close my account there was no reason to close my account I did everything that was lawful and under the UC see laws as well as The fair credit act You are being notified that you are breaking the law Also giving you notice that I will be using the negotiable instrument coupon tinder for payment Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account XXXX  XXXX I did not give XXXX XXXX XXXX XXXX my consent to report my information to any non-affiliated third party. You furnished the information to the consumer reporting agencies not the other way around. Before my personal information is furnished, I was supposed to receive 3 disclosures. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes. Their inaccurate reporting has damaged my livelihood and reputation and is causing actual damages. 

I have recently come across information from the Federal Trade Commission website, more specifically the Graham Leach Bailey Act & Truth In Lending Act which I attached below.

15 U.S. Code 6802- Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. 

Lastly, this account is passed the statue of limitations and must be DELETED from all consumer reporting agencies immediately. 

A written response is attached below.
Product: Payday loan, title loan, or personal loan

I got a call from ArrowheadAdvance at XXXX from a masked phone number ( XXXX ) XXXX. When I told the agent that it was illegal to call before XXXX, the agent acknowledged that he was on the XXXX XXXX so it was okay. I told him that doesn't matter- it's before XXXX local time, which he should have known since he's using a masked local phone number.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for SELF XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account SELF XXXX XXXX XXXX XXXX XXXX Last XXXX digit SSN : XXXX
Product: Credit card or prepaid card

To whom it may concern, I am writing to explain the frustration and concerns I have with Bank of America Credit card services. I have had this specific credit card since XXXX and was recently offered a 0 % for 12 or 18 months on balance transfers. I took advantage of this offer in XX/XX/XXXX transferring about {$9000.00} of my {$12000.00} credit limit to this card. I received notification from Bank of America recently that they had closed my account. I then called the Bank and was told that by me transferring the {$9000.00} theyre systems saw this as increased risk and therefore they decided to close my account. My issue here is why would they have this promotion if they were just going to see this as increased risk and close customers accounts as a result? By them closing my credit card my credit score suffered as a result.
Product: Credit reporting or other personal consumer reports

My name is ******************************. I am sending these dispute letters to you to solve my existing issues in the credit reports. Here no other company or person sending out my letters to you. I am personally sending these letters. I became a victim of Identity Theft on ( XXXX, 2023  ) and after that these accounts were added to my credit report which were never opened by me. My personal information may have been stolen through any online platform. I have no idea who was behind this crime. That's why I filed a police report. But now it has been a serious situation for me. That's why I want to remove these accounts ASAP. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT.Please investigate these matters and remove the disputed items as soon as possible.ACCOUNTS I WANT TO REMOVE:1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.The name of the documents I am attaching here for your better judgment:XXXX.FTC report XXXX.FCRA 605B, XXXX.My ID and Social Security copy 4.A notarized letter which proves I am personally sending my letters and complaints.XXXX Police Report
Product: Payday loan, title loan, personal loan, or advance loan

I went to titlemax on XX/XX/ for a loan on my car. They approved my loan and gave me {$2000.00}. They did not tell me that my monthly payments of XXXX were only interest payments. I did not know this until I made my first payment and asked why my loan amount didnt go down. My car was taken when I couldnt pay. It was damaged in the process. I told them. They said file a complaint I did. They said it was denied. I asked by who they said the company who held my car after it was towed. My driver side door will no longer close all the way as if someone broke it to get in the car. This loan has really been stressful and predatory. I thought that I would be able to most off the loan in a couple months but the interest is holding me back from doing so. I did not understand when I got the loan that the interest was so high. I thought the monthly payments were going to lower my loan amount. I told them I got laid off and they still told my car. How can I look for a new job to pay for my loan with no car.
Product: Debt collection

I am writing in regards multiple violations that Bank of America has committed against myself. This company is reporting a late payment on my credit report from for XX/XX/2019 on my account # XXXX that occurred due to my email being hacked. ( See Attached proof ). Please see explanation on what happened below : In XX/XX/2019 my XXXX email ( XXXX ). where I get my statements from Bank of America was hacked. Due to this, Bank of America did not get to me at the time and I was not even aware my account was carrying a balance and had a payment due. 

Months later after dealing with XXXX, when I was able to access my email, I found that there were emails from Bank of America and I was late on the mentioned account. I immediately made the payment on but by that time I was already marked late. 
Again, this was a situation that I could not control. I had over {$50000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 

I am demanding Bank of America to remove the late payment from my record. This is an account of {$13000.00} and I also have another card of more than {$13000.00} with Bank of America. 

That been explained, I wan to make sure Bank of America is aware that I am willing to take this to the next level. This is affecting me in a huge way. My levels of stress are really high. I've been really affeected because of this issue! 

Bank of America has also committed multiple violations under the FCRA : They hhave not investigated the account or even mark the account as disputed. If Bank of America denies my request, I am willing to take this to a court so a judge decides what is fair. 

Thank you for your consideration. 

XXXX XXXX See attached : - Proof of email hacked - FTC Report - XXXX Bank statement showing funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX regarding the illegal reporting of collections on my credit report. The collections that XXXX has reported are inaccurate, outdated, and can not be verified. As a result, I have been denied credit and other opportunities. 

The accounts that must be removed are : LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX XXXX is in XXXX of multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 604, which requires credit reporting agencies ( CRAs ) to provide consumers with a copy of their credit report upon request. It also requires CRAs to disclose to consumers the sources of the information in their credit reports.

Section 609, which requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. The notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score.

Section 611, which requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. It also requires CRAs to reinvestigate disputes if the consumer provides new information.

Section 615, which requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. It also sets out the conditions under which CRAs may furnish credit reports to third parties.

Section 623, which includes subsections ( a ) ( 1 ), ( a ) ( 2 ), ( b ), and ( c ). These subsections require CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports, require furnishers of credit information to provide complete and accurate information to CRAs, require CRAs to reinvestigate consumer disputes if the consumer provides new information, and require CRAs to delete information that is outdated, incorrect, or can not be verified. 
I have attempted to dispute the inaccurate collections with XXXX, but my disputes have been either ignored or rejected without proper investigation. XXXX 's failure to comply with the FCRA has caused me financial harm and has damaged my credit score. 

I am requesting that XXXX immediately remove the inaccurate collections from my credit report and take all necessary steps to ensure that they are not reported again in the future. Additionally, I am requesting that XXXX provide me with a free copy of my updated credit report. 

If XXXX fails to comply with this request, I will be forced to consider legal action to seek damages, as well as attorneys ' fees and costs, for their violation of the FCRA. I may also file a complaint with the Federal Trade Commission ( FTC ) and other relevant regulatory agencies. 

Thank you for your attention to this matter.
Product: Debt collection

SOURCE RECEIVABLES MNG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX has continued to call and harass me despite telling them to cease, this debt is over XXXX  years old and has already been previously and successfully disputed with XXXX XXXX XXXX. XXXX This debt is not mine, I already went through a lengthy process to have it removed once and if they do not remove it from my credit report immediately and cease contacting me I will be filing suit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME THEY WHERE PUT IN MY NAME UNDER FRAUD I NEVER OPEN ACCOUNT WITH XXXX XXXX PLEASE REMOVE ALL ACCOUNTS IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Fair collections and Outsourcing & professional debt Me to remove a collection that they are reporting that is not me.
Product: Payday loan, title loan, or personal loan

HSBC was not allowing mo to pay my loan over the phone. I tried several times but it failed. The automated system was telling me that my payment was submitted successfully   but then he payment never should up and i was keeping on being charged interest for a full month extra. I tried over 5 times to make payments in that month but everything was failing. I was away on vocation so it was impossible for me to go into a branch and make a payment.
Product: Money transfer, virtual currency, or money service

I zelled a person but they wasnt able to get into that certain account and I couldnt get my money back. Back in last year XX/XX/year>.