23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I had my account on autopay for many months and payments always were collected on time. Just recently I saw my credit score had dropped significantly and I traced it back to CitizensPay. I opened my account portal and it still said autopay was on. I went to the saved payment method and it was my credit card for my business. I paid off the balance that was left for the last 4 months and the payment went through just fine. 

I called them and they said I hadn't been paying and they have emailed me. The emails had been going to spam. I had no idea it wasn't being paid. 

I got this loan through XXXX which is my security system for my business. I have seen all my XXXX payments going through each month. I wasn't even really aware of this loan which was a separate cost for the equipment. This must be why it wasn't on my radar and things were going to spam because I never even interacted with this CitizinesPay company. I was just automatically signed up for it when I signed the XXXX paperwork. 

I also don't understand why this loan is affecting my personal credit when it's for my business equipment and was being paid by my business accounts. 

Now I can't get any business loans because my personal credit score has dropped so much. This is putting me in an absolutely terrible position and I might lose my business because of it. 

I can pay them off completely if necessary. The payments are only $ XXXX. I can pay them {$1000.00} if necessary. I have that available in my account now. 

I was not avoiding payments from them and do have the money. The main problem was their emails are going to spam. That is on their end. Maybe many people are reporting their emails as spam. 

XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items nor the old information from my credit report. Despite my previous XXXX attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional XXXX. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXX/XX/XXXX Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX Chapter XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to open a bank account and have been un able to do so due to my credit report in were I have documentation showing that I am been billed and in were my credit is being effected due to 3 bills from the XXXX XXXX XXXX since XXXX and this is not my debt what so ever and I am requesting to please remove this from my credit file the name of this collector is Sequoia Financial Services it is located in XXXX XXXX, CA and I have already made 3 attempts to get this removed and was not successful due to the very rude collectors that said that they had to be paid in full I tried explaining that these debts were not mine and that they had been effecting my credit since XXXX and that this was a act of illegal and unfair credit reporting
Product: Mortgage

Caliber Home Loans engaged in the prohibited practice of " Dual tracking '' after becoming the servicer of the loan and knowingly violated loss mitigation procedures pursuant to XXXX.
Product: Mortgage

The issue that I am reporting is about an incorrect description on the mortgage note. My wife and I own 2 investment properties in XXXX, FL and we want to sell one of the houses that is mortgage free but the bank LoanDepot incorrectly recorded the entry with the wrong house. This mistake is preventing us from selling the house. 

I reported the problem to LoanDepot on XX/XX/2021 through their portal, and I have followed up on the issue by calling their customer service line several times and also through their online portal only to be told that they are going to look into it. It is already XX/XX/2021 and they have not corrected the issue. 

I also asked for a letter from the bank stating that LoanDepot had made a mistake, that they would fix the problem, and that LoanDepot does not have any financial interest on the property that we want to sell. We have not received the letter yet. If we get this letter from the bank, we would be able to sell the house. 

This issue has been going close to 3 months and LoanDepot has not corrected the problem. We need to sell the house. I desperately need your assistance in resolving this issue. 

We are providing a copy of the mortgage note that contains the incorrect description in the last page. Copies of proposed taxes for each house that contains the correct description. Copy of the portal log showing when the issue was first reported and the correspondence that has taking place.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I found inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these accounts. It is impermissible for them to classify this reporting account as unverified without furnishing evidence within the legally stipulated timeframe. The following accounts require investigation and correction due to erroneous reporting on my credit file, as listed in my credit report : XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$910.00} XXXX XXXXXXXX XXXX Balance : {$27.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX XXXX Balance : {$27.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

Glasser & Glasser out of XXXXXXXX, VA claims to have served me papers that I have not received. They sent them to the wrong address. Furthermore, it is impossible to reach them by phone to update my information and there is no response from them even though I have left messages and sent emails. I did receive an email response that requested I call but when you call the recording says there is high call volume and to leave a message. Endless loop.
Product: Checking or savings account

On XX/XX/XXXX, I called PNC Bank to open a dispute for the full amount ( {$220.00} ) of a transaction that posted to my debit card on XX/XX/XXXX. On XX/XX/XXXX, I received a questionnaire in the mail asking for an explanation " describing the nature of your dispute, and the dollar amount of the error. '' I mailed back the attached explanation the following day. 

On XX/XX/XXXX I received another letter asking for a copy of a receipt or billing statement. I called to inform that I don't have a receipt or billing statement. This was clearly indicated in the written explanation I had mailed earlier. 

On XXXX I received a letter informing me that my claim had been denied. I called, and was told the claim was denied because a receipt would be necessary to process a partial amount dispute. I was confused because I was disputing the full amount of the transaction. The representative told me the dispute was opened in the system as a partial dispute, and I should have noticed that the incorrect amount was temporarily provisioned back to my account. I countered by saying that in my written explanation I had indicated a dollar amount of the error that was the full amount of the transaction, which clearly no one read at any point. The rep refiled the dispute, and told me I may be getting additional questions in the mail. I became concerned that I already received a questionnaire to which I responded previously, and would not want to be receiving the exact same questions again. The rep assured me that all documents from the original dispute would be transferred to the refiled dispute, and I should only receive requests for new information. 

Sure enough, on XX/XX/XXXX, I received in the mail the exact same template questionnaire I had received the first time around. I mailed back the exact same explanation ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I had to do this with XXXX XXXX XXXX XXXX XXXX just sold old information to another credit collection agency which is called Portfolio Recovery Association this summer. I was unaware of this until I got a notification from XXXX. This resulted a decrease in my credit score AGAIN by XXXX points on XXXX. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. XXXX XXXX even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. 

I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in 3 years. If there is anything reflecting a balance it is not me. It is fraud.
Product: Checking or savings account

on XX/XX/2022 XXXX fraud charges were charged to my account from XXXX and XXXX. I did not authorize these charges.. I called the fraud department and was no help. My bank was open and was able to talk with one of the banking managers. She tried her best to help that day to stop the pending charges and refund me the amount that was taken which was about {$700.00} but since it was the holiday weekend, nothing could be done until the next business day, which was XX/XX/2022. 
Investigation was taking place due to the fraud charges and was left with no money for XXXX weeks and was money not fully returned into my account. They stated that I had previous charges that were pending which was not true and did not refund all the overdraft fees which was not to my doing. 
I am very disappointed how this branch took care of me after being a customer for a very long time and just want a review in getting my money back that was taken by a hacker in hacking my account.
Product: Debt collection

I received a letter dated XX/XX/2018 from RMCB requesting a past due balance of {$190.00} for XXXX XXXX. The letter did not advise me of my rights to request documentation to validate the charges. I requested documentation to validate the debt RMCB by phone on XX/XX/2018 at XXXX XXXX for the debt in which they were collecting. I specifically requested the dates of service, procedures performed and by whom. The first representative offered to email me this information which is in violation of HIPAA as this information is medical and private in nature. I requested to speak to a supervisor. I was transferred to a supervisor at XXXX XXXX. I expressed my concern about the letter I received and the lack of disclosure of the 30 days in which I could request validation of the charges and my concern an employee of the company would offer to email confidential medical information. As of XX/XX/2018, I have yet to receive any documentation regarding these charges. 

RMCB placed a collection account on my credit report prior to me receiving any correspondence notifying me of this debt. 

Debt validation is a federal right granted under the Fair Debt Collection Practices Act. I was not even informed of this right in the correspondence I received. 

The collection company 's information is as follows : AMCA/RMCB XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
Product: Student loan

I worked as a therapist for a not-for-profit hospital that provided mental health services to the public and veterans from XX/XX/XXXX to XX/XX/XXXX. The hospital took state insurance and is a certified tricare provider to treat military. Before the loan was switched to XXXX, I spoke to someone from XXXX XXXX  on the phone said it did qualify and my counts would be updated to reflect XXXX additional months. XXXX took over during Covid and there was apparently no documentation of the previous conversation. I just kept getting letters saying they were still trying to determine the status whenever I would request an update. When you look at the flow sheet of my XXXX it is able to go to the bottom. It qualified under public health to people with XXXX and I tried the dispute and was told it did not qualify because it is a for profit, but that is not what my form filled out by XXXX chose. Ive called both XXXX and sent disputes through the department of education with no success. Im attaching all the documents I have related to this period. I worked at an XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX so I can guarantee I was doing public services and Im frustrated that I am trying so hard to confirm the public service I did. I cant speak to anyone on the phone so it just seems like this case is only being reviewed by a robot.
Product: Credit reporting or other personal consumer reports

The following information needs to be deleted as I have disputed this inaccuracy multiple times. I have attached a letter from BK court showing this account they never reported to any third party entity I demand immediate deletion and future blocking of this account.
Product: Credit reporting or other personal consumer reports

I am filing this personal complaint regarding late payments on my credit record. After examining my credit report, I noticed these late payment entries. I sent correspondence about this issue more than 30 days ago but have received no response or adequate validation. I am seeking your help to address this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have a right unneeded 15 USC 1681. 

Equifax is govern by 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I didnt not give Equifax any written, oral and any sort of permission to furnish theses accounts. 

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

This account was removed from my credit reports less than 2 weeks ago due after my disputes and police report sent to the company due to it fraudulently being open in my name. The responsible party is listed on the police report. I see today on XXXX that it been added back to my credit report and I got no notification! I noticed myself when looking on XXXX XXXX. Remove this immediately! Thank You!
Product: Debt collection

I do not own or know these accounts. I demand an investigation and removal of these accounts that do not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due, and Date of Last Payment are missing in this report. I am wondering why it ended up under my name. This is ridiculous and incorrect. I demand this will be deleted.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing on my credit from XXXX XXXX saying I got a loan and I have not I live in NC and payday XXXX XXXX are illegal here
Product: Checking or savings account

A check was deposited in my account the check was no good but money was withdrawaled. My account was closed over this by Early Warning Services LLC. This company wo n't take me off this kid so I can not  make a bank account anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and other credit agencies did not delete a debt reported by XXXXXXXX XXXX of appx {$2000.00} in XXXXXXXX XXXX from an original creditor identified as " XXXX. '' XXXX is a defunct business headquartered in XXXX XXXX and XXXX which sold interests in a vacation club that did not exist. My husband and I personally paid almost {$50000.00} to XXXX but in 2018 legally transferred our interest which had been sold to XXXX, but which ceased to have any value whatsoever. Every effort of XXXX to bill was disputed as was every attempt at collection by XXXX. Neither entity submitted proof that the debt was valid. I also contested with Experian, and they only verified that the debt was valid. They did so only by reviewing information from XXXX as XXXX no longer exists. The owner of XXXX is apparently in XXXX for FRAUD and it is my belief that XXXX is knowingly attempting to collect on a fraudulent debt from a fraudulent company that no longer exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND THIS COMPANY XXXX XXXX IS REPORTING AN ACCOUNT OF DEBT THAT I OWE IN WHICH I DO NOT RECOGNIZE. THIS COMPANY IS NOT LEGALLY LICENSED IN THE STATE OF FLORIDA TO COLLECT DEBT AS WELL. I TRIED TO VERIFY THIS BUSINESS THROUGH XXXX AND THE COMPANY DOES NOT HAVE ANY LICENSES IN PLACE FOR MY STATE. 

THIS IS THE REPORTED ACCOUNT INFORMATION.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
ACCOUNT # XXXX
BALANCE XXXX
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Prepaid card

My employer releseased my paycheck funds to XXXX ( the bank that services my prepaid Rushcard ) on XXXX/XXXX/15. Actual paydate for is is XXXX/XXXX/15. It is now XX/XX/2015 and Rushcard has not posted my paycheck. They wo n't return my emails and when I call the XXXX customer service number, they place me on hold and then it rings twice and they hang up. I live paycheck to paycheck and I am facing eviction if I do n't get my paycheck.
Product: Debt collection

Subject : Urgent : Identity Theft Complaint Fraudulent Bank of America Account Complaint Details : Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint regarding a fraudulent account that has appeared on my XXXX credit report. I am a victim of identity theft, and my personal information was stolen and used by an unknown third party. 

Fraudulent Account Details : Bank Name : Bank of America Account Number : XXXX Account Type : Revolving Bureau Code : Individual Account Status : Derogatory Open Date : XX/XX/year> Monthly Payment : {$0.00} Fraudulent Charges ( Balance ) : {$170.00} I have never opened, authorized, registered, accessed, paid for, or signed any documents related to this account. This is not my account, yet it continues to appear on my XXXX credit report. 

Actions Taken : Filed an FTC Identity Theft Report FTC Report Number : XXXX Contacted Bank of America I reported the fraudulent account directly to the bank. 
Contacted XXXX I disputed this account with XXXX, yet it remains on my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX, XXXX XXXX XXXX obtained a loan with Santander Consumer USA for a XXXX XXXX XXXX with XXXX XXXX. Upon signing the loan, we were not informed of the vehicle service contract sold with the vehicle. After several complaints about the additional amount, the vehicle service contract remained on the loan. 

Four months later, on XX/XX/XXXX, the vehicle was involved in an accident, where it was totaled by the insurance company, XXXX. Upon totaling the vehicle, the claim check for {$19000.00} from XXXX was not credited to XXXX XXXX 's account until XX/XX/XXXX. I filed a complaint with Georgia 's Department of Insurance regarding XXXX 's hesitation in paying the claim to Santander Consumer USA. 

The vehicle service contract was also cancelled and the refund was XXXX XXXX XXXX was told on numerous occasions by Santander that the check had not been received, even when she called Santander on XX/XX/XXXX. After numerous complaints and phone calls to XXXX XXXX and Santander Consumer USA, a letter was faxed to Santander by XXXX XXXX on XX/XX/XXXX informing them of the check sent to Santander by XXXX XXXX dated XX/XX/XXXX. Please note the vehicle service contract was cancelled on XX/XX/XXXX. A copy of the check was also sent in the fax to Santander. After speaking with XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX at XXXX XXXX informed XXXX XXXX that the check was cashed by Santander on XX/XX/XXXX. XXXX XXXX called Santander again on XX/XX/XXXX and was informed that Santander did receive the check for the cancellation of the vehicle service contract. She indicated that it takes 30 to 45 days for it to post to the account. It was very unprofessional for Santander to receive the check and not inform XXXX or XXXX XXXX. 

I feel it is wrong for Santander to receive the check, deposit it and refuse to post the payment. That is very unethical. XXXX XXXX has endured late fees and interest charges for the month ( s ) that Santander withheld the payments and refused to credit the accounts. It appears that this happened with XXXX and XXXX XXXX 's payments, totaling approximately {$21000.00}. Even until this date, XX/XX/XXXX, the check from XXXX XXXX still has not been posted to XXXX XXXX 's account although the check was cashed more than 10 days ago. This is unfair and unethical. The manner in which Santander does business should be investigated.