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

I set up a settlement with Synchrony Bank for my Care Credit account and it is still appearing on my credit report with a balance. This is impacting my score and my credit worthiness and future loans. Several accounts have been closed or credit lines have been impacted I resolved the account in XXXX. I had to follow up with them in XXXX to obtain documentation and we are in XXXX and they have not updated my credit report. I had some financial issues but did address them. I'm now back on my feet ; however, I did have to settle with Care Credit which I'm grateful. Synchrony Bank closed my JC Penny Account, my Lowes Account, reduced my credit on my Amazon account, closed my TJ Maxx Account. Many of these accounts had XXXX  balances, yet they keep the one account on my file which has been resolved and other creditors are following suit. I have two other debts which remain outstanding and I will be debt free ( credit card ). I just want the credit report to be accurate which is what is required by law.
Product: Credit reporting or other personal consumer reports

I have asked that all listed accounts be validated and verified but it was not done and remained on my credit file, and came back verified within days. A full investigation has been was not completed on my behalf
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

LoanCare LN XXXX XXXX XXXX XXXX, XXXX HI XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/19 I spoke with rep XXXX XXXX. She was obviously either drunk, is mentally unsuited for her position at LoanCare, or is mentally handicapped. She lacks the cognitive ability to listen and respond to simple questions. Additionally, I had to repeat my last name with spellings to her over 7 times. In the end she claims she still could not understand my last name, even though it is one of the most common last names in the United States. She therefore refused to send a message to the processor asking them to call us back. 

XXXX XXXX has neither the knowledge, training, nor mental capacity to do her job. Most of my conversations with LoanCare employees have been similar. It is clear that LoanCare does not have the capacity to appropriately service their loans, they do not train their staff appropriately, and they do not provide a work environment suitable to fulfill their servicing obligations - their staff regularly complain they can not hear who they are talking to because their environment is loud and echoes. I want LoanCare fined the maximum of $ XXXX for gross incompetence and purposeful neglect of their servicing obligations. 

Then, when I got a call back from the assigned processor she sent me a copy of what was sent to the borrower. See attached Mail from LoanCare. Is this REALLY the kind of mail they send out???? Not only is it completely unprofessional, but they are asking for documents that we have not only already sent to them multiple times, and also documents that are ABSOLUTELY NOT RELEVANT TO A SETTLEMENT AGREEMENT. It was made very clear multiple times in every conversation I had with LoanCare that the homeowner wants to do a SETTLEMENT not a short sale, not a sale, and not a loan modification. 

I want LoanCare fined the maximum of $ XXXX due to gross incompetence. I want a response to the settlement offer submitted by the borrower. I want the stupidity and excuses to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the recent Cares Act, XXXX XXXX improperly entered in the wrong code and as a result it dropped my credit score at least 40 points, which it is currently at XXXX from what TransUnion, XXXX, and XXXX  XXXX  are reporting. I contacted XXXX XXXX and TransUnion regarding the matter on XX/XX/2020. XXXX XXXX informed me that they had already sent off the updated information to the credit bureaus and that it was up to them to update the information. However, when I called TransUnion they couldn't give me any information regarding the recent change in my credit score and attempted to have me dispute it, but I was unable to check the status of that dispute due to their website having issues with my account for some reason. I tried contacted both parties again today ( XX/XX/2020 ), however again I wasn't provided any clarity regarding the matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information on my credit report associated with account number. I have recently discovered discrepancies in this account, and after thorough investigation, I strongly suspect that I am a victim of identity theft. 

Account Information : Account Number : Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$6900.00} No. of Months ( terms ) : XXXX High Credit : {$6900.00} Credit Limit : {$0.00} Past Due : {$6900.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( Experian ) | XX/XX/XXXX ( XXXX )
Product: Mortgage

XXXX sold my mortgage to Nationstar. XXXX, 2014. From the first billing, I have been charged the wrong payment amount, the wrong interest rate. Can hardly get anyone on the phone. when I do they are very nice, but the problem is never resolved. I have put in numerous " contact me '' complaints on their website. They have charged me fees that I can not get answer as to what it is {$98.00} in XX/XX/XXXX and a late fee of {$25.00}. The late fee is std, but if they had been charging me the right amount I would n't be late. XX/XX/XXXX payment, I directed {$700.00} ... .their statement says they received {$600.00} ( and change ). I 've been in my house for 28 yrs and in less than a yr I feel they are trying to steal it and I 've never seen billing the way they have. Or interest only payments and {$10.00} charge to pay online. If they would just honor the mortgage agreement on the payments and interest. Now I have an attorney calling me and I 've received not one letter in the mail about foreclosure. One part of their site says I owe {$1400.00} and other says $ XXXX. I do not know what to do. I have n't been able to get springleaf to help either and I had a good history with them for 15 yrs.
Product: Credit card

My Wayfair card account was hacked and used to make purchases in XXXX. I had just paid off the card. I saw that the order was done by receiving an email that the items were ordered and delivered. This was on XX/XX/XXXX to XX/XX/XXXX. I called Wayfair and the representative stated that my account was hacked. They stopped that card and sent me a new one. I was told that I was not liable for the purchases. On XX/XX/XXXX I received a letter stating that I am liable for the purchases with no explanation. I have called Citibank and received no support or explanation as to why they made this determination. This has resulted in my credit score being lowered. They were not supportive at all. To be told that I was hacked and then held liable for the purchases is infuriating. The purchases total {$460.00}. I am writing for them to resolve this issue by not finding me liable for the charges and repair the negative impact on my credit score. All this company has done is harass me for the debt rather than support me through the process.
Product: Debt collection

On XX/XX/2021- I was contacted by Radius global solutions LLC in efforts to collect on a debt.

On XX/XX/2021- I responded to Radius global solutions collection letter with a dispute letter.

On XX/XX/2021- Radius global solutions sent me a resolution offer of {$650.00}. With no debt verified.

On XX/XX/2021- Radius global solutions says they have received my recent correspondence ( dispute letter ) and can not locate an account with the information that was given in my dispute letter. 
In efforts to resolve this matter, I sent a follow dispute letter stating, In a good faith effort to resolve this matter amicably, I restate again my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

Around XX/XX/2021- Radius global solutions mails me communication stating they have received my recent correspondence ( dispute letter ) and Can not locate an account with the information provided. 
I have also noted in that dispute letter that [ Radius global solutions llc ] have failed to supply the demanded proof of the alleged debt, and again I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

On XX/XX/2021- Radius global solutions llc has sent me a resolutions offer in the amount of {$780.00} with have no proof of the alleged debt. Thats is {$130.00} more than the first offer requested to pay this alleged debt and they are continuing to contact me to try and collect on this debt after I have requested for them to terminate the collection because there is no proof of myself owing this alleged debt. They are in violation of my FDCPA rights.
Product: Credit reporting or other personal consumer reports

I am disputing the following accounts and information. 
XXXX XXXX XXXX XXXX  acct # ******** balance {$690.00} XXXX CLOSED -XXXX XXXX XXXX XXXX XXXX XXXX CREDIT LINE XXXX BALANCE {$2100.00} XXXX CLOSED -XXXX XXXX XXXX XXXX ACCT # *********** {$3000.00} CREDIT LINE BALANCE {$3600.00} XXXX CLOSED -XXXX  XXXX XXXX  XXXX ACCT # *********** {$400.00} CREDIT LINE BALANCE {$590.00} XXXX CLOSED -XXXX XXXX XXXX XXXX ACCT # XXXX  {$4500.00} CREDIT LINE BALANCE {$5300.00} XXXX CLOSED -XXXX XXXX XXXX AACT # XXXX {$1000.00} CREDIT LINE BALANCE {$660.00} XXXX  CLOSED XXXX XXXX XXXX XXXX ACCT # XXXX  CREDIT LINE {$1000.00} BALANCE {$1400.00} XXXX CLOSED Also the under FCRA Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of Furnishers of Information- law was violated I have reported multiple times times of the fraud and error -I ALSO DISPUTING THIS COLLECTION ACT XXXX XXXX XXXX BALANCE {$420.00} ACCT # XXXX THIS ISNT MY ACCOUNT I AM ALSO DISPUTING ANY ADDRESS THATS LISTED ON MY MY CREDIT REPORT ONLY ADDRESS I STAYED AT IS XXXX XXXX XXXXXXXX XXXX XXXX MI  XXXX -ANY OTHER ADDRESSES SHOULD BE DELETED I am also disputing Names. THE ONLY NAME I HAVE IS XXXX XXXX XXXX THIS INFO WAS EXPOSED IN A BREACH SHOULD BE DELETED AND REMOVED FROM CREDIT REPORT IMMEDIATELY. ****
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 

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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

We have contacted XXXX XXXX, XXXX XXXX, HR, clear up to the President. We have recorded statements from PNC eemployees in regard to the Bank officials refusing to help, I have filed charges against a bank manager illegally opening two accounts and then putting my XXXX XXXX XXXX son 's account and two illegal accounts she opened into debt and was told tonight by XXXX in the fraud department that they were charging these fees off and refunding nothing. When we explained that a XXXX called us XXXX weeks ago in regards to this investigation and that we wanted to speak to a supervisor about the fraud her employee did to my family. She refused and said there were no notes of us calling since XXXX XXXX. They owe us thousands and no one will respond or call us in regards to solid proof of fraud. We need assistance please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, My name is XXXX XXXX, Im submitting a complaint against XXXX, Equifax, and XXXX. I acquired my credit reports from annual credit report.com and I put in a dispute on a XXXX  XXXX on my report. I submitted my dispute to all 3 bureaus on XX/XX/2022 asking what method of verification did they use to verify my XXXX and no response after 45 days. After no response I called each bureau and explained to the representatives my concerns and I was told the method was verified through XXXX XXXX. On XX/XX/XXXX I sent a letter to each bureaus to delete the XXXX because I received a letter from XXXX XXXX stating that the XXXX was deleted because it wasnt verified. I received no response from XXXX and Equifax. XXXX said they verified it through XXXX XXXX which I dont understand how could they verify through XXXX XXXX if the XXXX dont exist on my report.
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 : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

I have disputed this debt with Portfolio Recovery Associates at least 3 to 4 times. It is not my debt. The customer service representative stated that the debt came back verified in their favor.

This debt was not removed from my credit report during any verification process.

Portfolio Recovery Associates keep sending me a bill that THEY said establish validity. A bill does not make it my debt.

They have not provided any documentation with my signature or a contract.

Because I am trying to remove incorrect entries and debt from my credit report, I called for a settlement amount in order to remove it from my report. I didn't think to file a complaint until during the CSR call. I advised the CSR that I would make a complaint.

This is not my account and this is not my debt.

I am attaching a copy of their verification documents they sent me.
Product: Debt collection

I have tried several times to dispute XXXX of my XXXX XXXX report. Ask to validate the date, send proof. Got nothing showing this is my debt. Ive tried for years to have this remove of my report
Product: Mortgage

Loan Depot agreed to refund my {$490.00} down payment to expedite this loan. This was on XXXX XXXX. I filed with the XXXX this was their response. However the interest I lost while my money was held. An investigation needs to uncover how many others have lost money under these pretenses. Shortly after receiving my down payment my loan was denied. I missed a mortgage payment from which I borrowed the money thinking my approval was imminent. I was turned down because of that late payment. Tried reaching out with a recommendation, to OK my application or reimburse my down payment plus interest compounded daily. After all they've made money on my money compounded daily from XX/XX/XXXX. As yet there has been no funds replaced on my card. Contact ; Loan Depot LLC ; XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX. Concerning Loan : XXXX # XXXX or Loan Depot LLC, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. I am requesting that this account be removed from my Equifax credit report : XXXX
Product: Money transfer, virtual currency, or money service

Pay Pal LLC invoice scam. Legitimate email from actual true Pay Pal that is a SCAM invoice. XXXX Hello, PayPa Client Here 's your invoice PayPa LLC sent you an invoice for {$360.00} USD View and Pay Invoice Buy now. Pay over time. 

Simply select PayPal Credit at checkout and enjoy No Interest if paid in full in 6 months. Subject to credit approval. See terms. US customers only.
Product: Debt collection

Between XXXX and XXXX someone open a credit cart account in the name of XXXX XXXX NOT my legal name. For the second time in less then two years XXXX XXXX is using XXXX XXXX XXXX t to take my Social Security or VA benefits for a depth that is not in my name through the XXXX in XXXX XXXX, MI! First time was through the XXXX MI court! Judge shopping? 

According to what XXXX told the XXXX of XXXX attached they have no account in my legal name. They seem to be running a scam on an elder person I am XXXX and I am a XXXX XXXX 

This depth is wall over XXXX old!
Product: Mortgage

I am writing to request correction of the error described below and to STOP the Trustees Sale scheduled for XX/XX/XXXX. This is in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per the Consumer Financial Protection Bureau, your company must respond to letter before the foreclosure sale.

Because the trustee assumes the liability in auctioning the property in California a non-judicial foreclosure state, it would be in the trustees best interest not to foreclose on the property due to the following potential violations discovered before the Auction Sale Date.

- The Trustee failed to issue a notice of default. The notice of default was done prior to ( you ) the trustee being assigned. This is a clear example of foreclosure laws and procedures.

- Your company has violated the Consumer Finance Protection Bureau by Duel Tracking a foreclosure date after a complete loss mitigation application was received more than 37 days prior to a sale date. Your company denied my loan modification appeal on XX/XX/XXXX ( see attached ).

- Your company duel tracked a foreclosure date during this process of XX/XX/XXXX. You are required to provide more than 37 days after such denial to the consumer before scheduling such foreclosure sale date.

The CFPBs existing rules prohibit servicers from taking certain actions in foreclosure once they receive a complete loss mitigation application from a borrower more than 37 days prior to a scheduled sale. However, in some cases, borrowers are not receiving this protection, and servicers foreclosure counsel may not be taking adequate steps to delay foreclosure proceedings or sales. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement. The clarifications will aid servicers in complying with, and assist courts in applying, the dual-tracking prohibitions in foreclosure proceedings to prevent wrongful foreclosures.

- Your company has failed to acknowledge receipt of a NEW complete loss mitigation application received XX/XX/XXXX on your website loanhelpstatus.bankofamerica.com and open a new loan modification process.

-Your companys customer relationship manager XXXX XXXX onXX/XX/XXXX said that none of the documents from XX/XX/XXXX have been reviewed. The documents need to be resubmitted. The same documents were submitted and completed on XX/XX/XXXX.

-Your company must stop the foreclosure sale date on XX/XX/XXXX to prevent wrongful foreclosure a complete violation of the dual tracking regulation by the Consumer Financial Protection Bureau .

If you need to contact me, I can be reached at : Phone : XXXX email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below companies have violated my rights. 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XX/XX/year> I contacted Robinhood through email and chat. My account was closed with no explanation and my funds are being held way longer than they can hold them. I can not contact by phone anymore or chat only email with no results.