23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said he needed my SSN so he can do a soft pull on my credit to make sure I have good credit. I was never made aware that I was applying to a credit card and that the company under would be mattress firm. I called a phone number provided by XXXX credit report and found out that I have a credit card that I never authorized to open.
Product: Mortgage

My complaint relates to the mishandling of escrow account funds. 

Since the loan origination in XXXX the escrow account was not setup correctly. In the closing documents it clearly states insurance funds are not to be included. My account payment was setup for auto payment and the oversight of being charged the insurance funds wasn't recognized until XXXX of XXXX. Since that time I have made nearly 100 calls to have this matter resolved transferred from the departments of escrow, insurance and general information. 
For almost a year I have been speaking to XXXX, a Manager/Supervisor almost weekly to try and resolve this matter. All of the said documents and calls are documented on their system. XXXX has been nothing but patient and helpful in resolving this matter but it is on the back end of their company that is not doing the work to correct this matter. Most recently after a so called review of my account they refunded me {$50.00} for escrow but failed to correct the initial error of charging me for insurance and failing to refund me the {$780.00} they paid for insurance that they should not have done.
Product: Consumer Loan

WE HAVE A LOAN WITH A COMPANY CALLED LENDMARK FINACIAL. WE ARE CURRENTLY WORKING WITH A XXXX PERSON AS PART OF THE XXXX AND HE ADVISED US TO CONTACT YOU. WE GOT BEHIND ON A PAYMENT BECAUSE MY HUSBAND WAS GOING INTO THE VA HOSPITAL FOR XXXX AND ANOTHER COMPANY CALLED XXXX XXXX XXXX REPOSSED OUR TRUCK ILLEGALLY AND THE DLLR REGULATORS AT THE STATE OF MD HAD THEM RETURN IT BUT IN THE MEANTIME DEPENDING ON FAMILY TO GET AROUND WE BECAME BACK BEHIND WITH OUR PAYMENTS TO LENDMARK AND WAS WORKING WITH ANOTHER FINANCIAL READINESS PERSON THRU THE XXXX AND WE SIGNED THE ATTACHED FORM WITH THE UNDERSTANDING THAT AS LONG AS WE DIDNOT GO IN DEFAULT ON OUR PAYMENTS THAN THEY WOULD NOT PUT A JUDGEMENT AGAINST US. WE NOW OWE XXXX AND THEY NOW WANT ATTORNEY FEES IN THE AMOUNT OF XXXX. WE DO N'T OWE THEM THOSE FEES. WE ARE WITH FINACIAL READINESS TO ASSIST US WITH BILLS. WE ARE ON A FIXED INCOME. WE RECIVED LETTERS ATTACHED INDICTING OUR BALANCE WAS XXXX SO WE DIDNOT PAY THAN WE WOULD RECIVE A LETTER WITH A BALANCE DUE. WE GET THE IMPRESSION THAT SINCE THEY WOULD NOT NEGOIATE WITH OUR XXXX PERSON THAT WE WERE BEING SCAMMED. I RETURNED A CALL AND THEY NEGOIATED THE AMOUNT DOWN A XXXX DOLLARS AND THAN DENIED THEY DID IT. WE WILL FAXS YOU A COPY OF THE LETTERS INDICATING WE HAD A XXXX BALANCE
Product: Credit card

Request to withdraw credit application Dear Synchrony Bank, CFO XXXX XXXX XXXX, I hope this message finds you well. I am writing to formally express my written and affirmative desired for an extension of my principals credit. I was recently denied an extension of my principals credit and this letter is a request of withdrawal of my credit application submitted on XX/XX/year>. Please confirm the retraction of my application within 3-5 business days after receipt. If you refuse to do so, I am demanding that you send me the Care Credit Card that the Collateral Security Application was for in the amount of XXXX XXXX XXXX ( {$30000.00} ) as requested. 
Sincerely XXXX, XXXX XXXX ( agent ) XXXX XXXX ( principal ) XXXX ( XXXX ) XXXX Application Reference # XXXX I requested to withdraw my application from synchrony bank because I am being discriminated against although I have the capacity to contract. I have stated and sent in a Power of Attorney that I am able to contract. They have not responded nor withdrawn my application which would indicate my collateral security application has been accepted but I have not received a benefit in good faith.
Product: Mortgage

I am writing because I am totally disgusted with loanDepot and all of its employees. 
I will NEVER EVER do business with you because you are all a bunch of incompetents XXXX XXXX! 

First, I spoke to XXXX XXXX who told me that there was no way he could make a loan offer that would make economic sense. Rather than drop it he sent me an application and disclosures for a loan. 
The Loan included Points in the amount of {$4200.00} and closing costs in the amount of {$3400.00}. The net monthly savings would have been {$22.00} per month. That is to say, it would take 28.88 years to recover the added costs of {$7600.00}. My current loan will be paid off then. Since the new loan was a 30-year loan I would have the distinct pleasure of paying an additional year so there would be an additional 13 payments in the amount of {$700.00} after my break even point. The new loan providing I paid to maturity would therefor cost an additional {$9100.00} providing I lived until I was XXXX. 

Why on Gods green earth would anybody refinance their loan when the new loan would take longer to pay and result in additional COSTS. The only reason is to benefit loanDepot and XXXX XXXX. I spoke to the Customer Retention Department and told them I was completely dissatisfied and reflected so in my evaluation. I suggested that the Loan Officer should be terminated. She agreed with me but did not have the authority to end his employment. 

I took one more call from an executive. He said he would close the file, put me on the do not call list and mark the file Insufficient tangible net benefit. I just got a letter indicating Credit application incomplete. A total cover up and complete XXXX XXXX. He too should be terminated.
Product: Debt collection

There is a company that shows up on my credit report XXXX times. XXXX XXXX  XXXX alleges that I owe XXXX  {$150000.00}. I have received XXXX letters stuffed in my mailbox from XXXX and XXXX, a law firm claiming to handle accounts for XXXX. I have never had an account with XXXX. I also don't understand why I would be receiving letters from XXXX and XXXX law firm but have another law firm show up on my credit report. I called XXXX  and they stated that they do not have an account for me. This has affected my credit report tremendously in a very negative way. I really need help with this.
Product: Debt collection

This company robocalls our landline number to attempt to collect a medical debt owed by an individual who does not live here and has not lived here since 2020. We have answered the call and indicated that the individual does not reside here, is homeless somewhere in California, and continue to call. They purchased the debt from the Emergency Room physicians who operate the ER at XXXX XXXX XXXX XXXX in XXXX, Alaska. 

The company is Optimum Outcomes, INC they purchase debt from medical providers, including XXXX XXXX physician operating companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint about ChexSysstems. They asked me to dispute items on the ChexSysstems report to the tune of which I have I have also asked to see if XXXX  understand and be the liaison to the fact that I am disputing the entire report the entire report is incorrect all XXXX pages every bank of the United States on there plus a fraud alert none of that is accurate and XXXX asking that all be removed or for them to explain why its on there and I keep getting the same XXXX redundant statement we are ChexSysstems XXXX creditor. That has nothing to do with my dispute its just passing the buck like they always do. I have tried to get this cleared for XXXX years and it doesnt go any further than where we are now because ChexSysteXXXX refused to prove that I have these erroneous accounts and they just go with what their XXXX XXXX  collector says deliver credit check systems other data collector is wrong give me a break XXXX speeding every item on that report all XXXX pages that should be an indication. Who has a report XXXX pages long and has no bank account he cant get XXXX but doesnt owe
Product: Money transfer, virtual currency, or money service

XXXX Account - XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Illinois XXXX Phone : XXXX Google XXXX decided to terminate their business relationship with me and no longer allow me to make purchases using Google XXXX/Google XXXX. My account has a balance of {$6.00} in my Google XXXX/Google XXXX XXXX. Google is refusing to allow me to spend my funds I paid cash for, refusing to refund the Google XXXX card the  money was added from and refusing to issue me a refund to my bank. If a bank does not want to do business with me, they can not just take my legally earned money, they must give if back. Google is no exception. I am requesting Google refund my balance in aforementioned account, XXXX and others.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deleting Inquiry Due to Data Breach I am writing to formally request the blocking and deletion of the following inquiry from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that this inquiry be removed from my credit file : Inquiry to be blocked and deleted : XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/year>
Product: Debt collection

Dear LVNV/Resurgent, I am writing to address a matter of utmost importance regarding a debt purportedly associated with your organization, which has been reported on my credit report. This debt, as communicated by LVNV/Resurgent , has significantly impacted my creditworthiness and has caused reputational damage. 

In 2022, upon receipt of correspondence from LVNV/Resurgent claiming an outstanding debt, I immediately disputed the validity of the debt and requested validation, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts, LVNV/Resurgent has failed to provide any documentation or evidence substantiating the validity of this debt. This lack of validation not only violates the FDCPA but also raises serious concerns regarding the accuracy and legitimacy of the reported debt. 

Furthermore, the continued presence of this debt on my credit report has resulted in significant harm to my reputation and financial standing. It has affected my ability to secure credit, obtain favorable interest rates, and pursue various opportunities that rely on a favorable credit history. This situation has caused undue stress and hardship, constituting a form of harassment and unfair treatment. 

In light of the aforementioned circumstances, I hereby request that LVNV/Resurgent take immediate action to remove the disputed debt from my credit report. Additionally, I demand that all collection activities related to this debt cease until proper validation is provided in accordance with the FDCPA. 

Please consider this request as a formal appeal for resolution and a necessary step to rectify the unjust impact this debt has had on my creditworthiness and overall well-being. 

Thank you for your prompt attention to this matter. I expect a timely response and resolution.
Product: Debt collection

In XX/XX/XXXX, we closed our XXXX account via phone from XXXX and made our final payment. I even asked for documents confirming that the account was closed, which I cant recall if we received. Now a debt is appearing XX/XX/XXXX for that account that was closed 2 years prior.
Product: Mortgage

I have been trying to get loan modification assistance with SPS for the last few years but SPS has denied my request within a few days without a fully proper review. I last submitted to SPS on XX/XX/2022 and was denied on XX/XX/2022. I received the denial letter including the NPV results in the documents which I have attached it states My income was not considered for the evaluation of my request it also stated, in performing their underwriting of a potential modification my modified payment would not be reduced and did not meet the payment reduction as required. However in further review of the documents it stated my new potential rate would be 5 % @ {$280000.00} which would give me a payment of {$1300.00} increasing my payment by {$320.00} which is SPS looked at my financial and used them during the evaluation they would see I have a disposable income of {$840.00} which even if my payment went up I can still afford it. I am simply asking SPS and its investors to help me in any which way even if my payment goes up I have no problem making these payments. Also I ask if SPS can review my information to help me further qualify if an increased payment will not work, please consider me for a Balance Partial claim or Principal forbearance to make my payments more affordable
Product: Credit reporting

This account supposed to be closed and has a XXXX balance. please fix this issue with Equifax crdedit report.
Product: Credit reporting or other personal consumer reports

This fraudulent crooked company is trying to get dump complaints by marking as duplicate WONT WORK AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

I have no idea what this debt is there has been no debt valadation letter sent no communication from these people. I had items removed from my credit report a couple of years ago from a different named debt collector but same address. Tried to call agents very rude no mini meranda was stated and threatened they would tell my employer, they could not verify a address I ever had I never even lived in the state they had of record.
Product: Payday loan, title loan, or personal loan

I have contacted the company numerous times to update my checking account for the automatic withdraw payment. I have called used the chat feature on the app and emailed. I get put on hold for almost an house to get hung up on. The chat they dont respond for over 45 minutes. I then gdt contactes by XXXX who keeps telling me to call. I have called and i get put on hold. They don't speak English or they hang up on me. I have filed a XXXX complaint and Money lion lied in attempt to make me look bad. Stating I never contacted them. They keep trying to debit my old checking account resulting in overdrafts. My correct checking account is on file. They have it and blatantly refuse to update it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that one specific account was erroneous. It is not acceptable to treat this reporting account as unconfirmed information without producing proof, please investigate the unverifiable account : XXXX XXXX XXXX XXXX : {$4900.00}
Product: Debt collection

A child support account that is delinquent is on my Experian consumer report. I wrote them a dispute letter and sent it to Experian, XXXX, and XXXX XXXX notified mail XXXX, and XXXX XXXX did the right thing and took the false not accurate information off my credit report within 30 days. Experian never even answer my notify letter. To Update information and make sure the accounts I asked to be accurate to be accurate, which is not accurate I never got a response. I called them also and got the run around. Experian is really violating my consumer rights. permissible purpose
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that I had three late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX  XXXX XXXX. Account number : XXXX. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX. The Federal Trade Commission recently took action against a XXXX XXXXXXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Checking or savings account

Email address associated with my PayPal account is XXXX My name is XXXX XXXX and I will attach my ID here too I will attach the error message i got when I tried to access my account too. 

Whenever I want to log in it says " We are sorry, something went wrong on our end '' I have tried for months without success and whenever I tried to reset my password, it will send a code to my phone number which is XXXX but when I put the code correctly it will say " Something Went Wrong on our end '' This has repeated for months and I am not able to access my PayPal account with over {$2000.00} I contacted a customer service representative on XXXX known as XXXX and the response I got didn't help any issue as he was very rude. 

I need PayPal to resolve this and also to allow me to add my bank or card to my PayPal account so as to withdraw my funds.

I need to be able to log into my PayPal account so as to see my balance because I believe PayPal might have taken it to themselves as I have read thousands of other complaints from other PayPal users how PayPal take people 's funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collection Original debt XXXX XXXX is list twice on file. Notified you numerous times to delete duplicate but Transunion refuses to remove duplicate. The accounts original debt was also included in 2018 bankruptcy as I included all my timeshare in the bankruptcy however Transunion is saying an account included in my bankruptcy is accurate. It is not it was settled in 2018.
Product: Credit card

Chase continued to allow a charge for a phone service to be charged to my credit card even though I no longer had the service and had disputed the charges with Chase multiple times One of these disputes is attached. I ended service in XXXX of XXXX. I want a refund from XX/XX/XXXX- XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are showing accounts that do not belong to me. I filed a police report about the identity theft or incorrect information months ago. There have been some of the inaccurate things removed but others still continue to populate the reports. There are also inaccurate prior addresses that they still have not removed as well as some inquiries. There is a company " XXXX XXXX '' saying I owe two different accounts XXXX*** and XXXX*** both on my XXXX  and Transunion Reports . There is also an XXXX account XXXX**** that was never mine..
Product: Credit reporting or other personal consumer reports

RE : Bankruptcy Dear XXXX, After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. 
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, XXXX, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). 
An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. 
Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

You, CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.