23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have filed a complaint with LoanCare Services twice already. It was closed stating they answered my concerns, no they did not. I am not the only one that is having issues with this mortgage company, I am just not able to fight them in court and they know it. They said they stated in my letter we take allegations seriously, but did nothing, nothing about anything. It states that LoanCare does not do anything unethical but yet they didn't even look into the case or the complaints or phone calls that I made to this company. I did this mortgage in my name only once I got divorced and for years was able to do whatever I needed too when it came to making decisions. I was informed that my ex was off my mortgage and he was, then LoanCare comes in looked at the original documents from XX/XX/2006 and poof he is back on the mortgage. No matter how many times myself or my ex-husband called the run around we got was horrible. We did get one person that was helping us once we had a lawyer call and was involved but then that person was not in the department any longer and we were back to square one. Since this was an issue for 2 years and payments were an issue we had to put the house for sale to get out from under this whole mess. That would not of happen if we had help from this company. You know what I got after I placed a complaint while I was in the process of selling my home a re modification notification, that was to cover their butts. In the letter they said they sent that I never received that I found on this site, they informed it was not in foreclosure and it was a part of a bankruptcy and debt not reaffirmed. It has been on both of our credit reports. I don't know how this company gets away with the way it does business. 

What did it do with the allegations? Did they even look into it? I say no they did not. 

I also over paid on the sale of my home by {$2000.00} and never received that when I called the mortgage company to see what happen they said I wasn't due anything. I pressed further and well look at that I am due money because it was sent out in XXXX which I never received. I know this doesn't seem like a lot of money to some but its a lot to me. This company has the worst customer service. You get the run around unless you know what you need to say, but for people that may not they would just hang up.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft resulting from a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit report without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit bureaus are showing I was late on this account which I wasnt I paid this account in full and closed it but the mistaken reporting actions this debtor is took has caused my credit score to suffer I want it fixed immediately or removed from my report being its paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXX  Account number XXXXX XXXX XXXX XXXX Account number XXXXX 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 an account without my written instructions.
Product: Debt collection

Received notification thru XXXX XXXX that CCS collections was trying to collect an alleged debt of $ XXXX also stated that CCS is the original creditor. I state my demand for proof of this debt specifically the alleged contract or other instruments bearing my signature as well as the proof of your authority in this matter.Absent such proof you must terminate this collection and correct erroneous reports of this debt as mine.For the record I have no account with CCS collections nor am I your customer nor have I entered into a contract with you.. U.S.Code 6802 obligations with respect to disclosures of non public information in good faith to resolve this matter amicably. I must ask for the following information please evidence your authorization under 15 U.S.Code 1692 ( e ) and 15 U.S.Code 1692 ( f ) in this alleged matter? What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On Monday, XX/XX/year>, I received an unsolicited Cash App XXXX XXXX XXXX in the mail with an accompanying paper asking me to scan a QR code to activate my account. I do not have an account with Cash App and I never have in the past, and I certainly did not request a card from the company. The card was in my name and was mailed to my home address. After verifying that the Cash App customer service number listed on the card was the same one on the Cash App site, I called it around XXXX EST on XX/XX/XXXX. I explained to the representative that I never opened an account with them or requested a card, and that I believed someone had fraudulently used my information to open an account. The representative asked me if I could answer the security questions in order to verify my identity, and I said I could not because again, I was not the one who created the account. They said that the next step involved sending me an email to get more information from me. I thought this seemed odd as this company already has my personal information that I did not consent to giving them, and I did not feel comfortable giving them even more information including my personal email address. I asked what email they have on file for my account, and they refused to tell me since it " wasn't [ my ] email address ''. They seemed more interested in protecting the criminal than helping me. I explained again that the account and the debit card were fraudulent. I requested that I speak with their supervisor. I was told that they could not do that unless I gave them my email address so they could ask me more information. I then requested to be transferred to the fraud department, which the representative told me does not exist. I find it highly suspicious and frankly unethical that a financial institution would not have a fraud department. I asked the representative if they could close the account, since it was fraudulent and I believe that I have been the victim of identity theft. They again refused. I ended the call and the account is still open and this company seemed completely unbothered by the fact that the account was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing a Hard Inquiry from Capital One Auto Finance on my XXXX  Credit Report from XX/XX/2020. I was looking at financing a car at the time but was only seeing if I was pre-qualified, not seeking actual financing.
Product: Credit reporting or other personal consumer reports

I looked at my transunion credit report on XXXXXXXX XXXX, and noticed some things are incomplete and not accurate.and according to fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts ( XXXX XXXX acount # XXXX XXXX XXXX ) account # XXXXXXXX XXXX XXXX  ) account # XXXX ( XXXX XXXX XXXX XXXX ) account # XXXX ( XXXX ) account # XXXX ( XXXX ) account # XXXX are not complete and accurate. ( XXXX XXXX account # XXXX opening date is not reporting correctly, date of last activity, date of last payment is not correct, this account is not accurate. XXXX account # XXXX open date is not reporting correctly, date of last activity, date of last payment is not correct, this account is not accurate. XXXX XXXX XXXX account # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. ( XXXX XXXX XXXX XXXX ) account # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. ( XXXX ) account # XXXX open date is not reporting correctly, date last active, date of last payment is not accurate. ( XXXX ) account # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

This is not my debt this item has been removed several times for months or years and keeps reappearing without knowledge or communication.
Product: Checking or savings account

The company that I've been dealing with is Fifth Third Bank there was a bill taken out for them out of {$180.00} that was put in for a dispute the bank denied dispute and I had to redo this dispute after 34 days several overdraft fees and 700 hours out of my own pocket the issue was fixed now when I'm facing with this company is my account is way overdrawn I'm trying to catch up from their error when this happened and now they're refusing to take a payment plan for me to pay back the money to my checking account and will not dispute an item in my account
Product: Credit reporting or other personal consumer reports

Dear human being, To whom it may concern, Listen I am going to be brief with here. 

Do you think that messing with people 's financial life is a joke or is fun. 

Ever since XXXX  when I first when I first became that there were corrupted items on my consumer credit report and I file complaint about them to you ( Entities : Equifax, XXXX and XXXX ) this the same response that you have always given " Company is still working on your issue. '' All the all you have done is using stall tactics even I hired multiple credit repair agencies to help deal with those corrupted items that you had placed on my consumer credit report. So you used all kinds of stall tactics and even blocked me from having access to my consumer credit reports. Till when are you planning to keep on working on my issues and never doing anything worthwhile. Listen, I have plans to start a business I haven't started because I need finances but with all those corrupted items on my consumer credit report the interest on any loan would be to high and also the loans are hard to get. 

My question is till when are planning of working on my issues and never doing anything worthwhile? 

Listen, I am disputing any negative items that is fraudulently reporting on my consumer credit report.
Product: Debt collection

Hello, I had a debt to XXXX XXXX XXXX because I lost my job and had to break my lease. I was never served or notified but then was garnished by their attorney Vinci Law Office. But then I filed for bankruptcy and this debt was covered under that. 
years later, my husband who was not listed on the debt, didn't sign the lease, but he is now being garnished. Just like me, he was not served or given any notice of court proceedings. I am not sure how they got past the statute of limitations or how they were able to pursue a debt against him that he had no responsibility for. They likely are doing this to a lot of people and need to be investigated. 
When it was against me they waited until the statue almost ran, then filed an extension and let the interest accrue to an extremely large amount before garnishing. It looks like they did the same to my husband because the interest is very large and he was given no notice. 
Court filed date:XX/XX/20Interest : {$9000.00} ( How can there be interest when it was just recently filed ) Taxable cost : {$390.00} Less any amount paid : {$950.00} Principle Balance/Total Amount Due : {$12000.00}
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Product: Credit card or prepaid card

When I opened my account, it was through a rewards program with XXXX - Immediately after the bank decided to close the account ( without notifying me ) all of the accumulated rewards were deleted on the XXXX website. I consider this to be a breach of contract. Eventually, XXXX was able to recover the account that was removed when the credit card account was, but not before the loss of earned points. After this, I also started to have problems with making payments. I go to make a payment online, and their system says : " MAKE PAYMENTS Error Unfortunately, we are experiencing technical difficulties at this time. We apologize for any inconvenience this may cause you. Please try to access the site again later or call Customer Service for assistance. '' And, miraculously, there are no problems paying AFTER the payment is late and they have charged me a late fee. I neglected to print every occurrence of this error, but I have proof at least that on XX/XX/2019 I attempted to make a payment prior to the due date of XX/XX/2019, and was prevented from doing so in this way, resulting in a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this letter to have inaccurate information deleted that's reporting to XXXX, XXXX and XXXX. I've tried to have Regions Bank and the credit bureaus to delete numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX when my account was closed on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information Civil Liability for Negligence under 15 U.S.C. 1681p Dear Sir/Madam, I am writing to formally dispute certain information appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681p regarding civil liability for negligence.

On [ Date of Notice or Event ], I reviewed my credit report and discovered that [ describe the inaccurate or negligent information, such as incorrect account details, incorrect balance, or wrong status of an account ]. I believe this information is incorrect and has been reported negligently, as it does not accurately reflect my credit history or standing.

According to Section 1681p of the FCRA, any
person who reports inaccurate information, whether negligently or willfully, may be held liable for damages caused by such incorrect reporting. The negligence demonstrated in this case is detrimental to my financial standing, and I am requesting immediate correction of this inaccurate entry. 
The specific item ( XXXX ) I dispute are as follows : * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX * The account, listed XXXX, was previously reported by [ Original Creditors XXXX XXXX and has since been sold to XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
* I believe this information is inaccurate because the collection account has been transferred, and I am not responsible for the debt as stated. I request that you remove the collection entry from my credit report, as it no longer reflects the correct status of the account. 
* In accordance with the Fair Credit Reporting Act, I ask that you investigate and correct this information accordingly. Please provide written confirmation of the outcome. 
* XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Please investigate this matter as required by law, and kindly provide me with written confirmation of the outcome of your investigation. If this information is found to be incorrect, I request that it be corrected immediately and that any negative effects on my credit score be rectified.

Additionally, should you find that this information was negligently or willfully reported, I will be pursuing civil liability under 15 U.S.C. 1681p for damages caused by this error. 
Thank you for your prompt attention to this matter. I expect a resolution within 30 days as stipulated under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this debt with XXXX XXXX XXXX XXXX ( XXXX ) with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 (  b ) of the FDCPA. I received a letter stating that this account number XXXX was sold to XXXX XXXX XXXX ( XXXX ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/XXXX and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the deb. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Product: Debt collection

This is not my first time seeking help with the Consumer Financial Protection Bureau. Chase, having taken my extension of credit via acceptance of my open ended credit plan via my Credit Card ( SSC ), used a third party company to base my credit worthiness, which I only consented too because I was not nade aware I did not have too. I was never offended an opt out option. The use of credit of was never clearly and conspicuously make aware to me. This is only a handful of the violations tgey performed against me. I then sent a notarized affidavit of consideration plus cease and desist that they have failed twice now to rebut and thusly violent. They also, prior to the notarized affidavit, failed to comply with my verbal cease and desist request.
Product: Debt collection

This account is closed and was purchased by someone I no longer owe this.
Product: Money transfer, virtual currency, or money service

I applied for and received a mortgage through XXXX XXXX, a company in Utah. After receiving my loan, they sold my mortgage off to XXXX with the stipulation that I paid my first months mortgage ( Due XX/XX/XXXX ) directly to XXXX. I wrote and sent my check on XX/XX/XXXX for the amount of XXXX. It was processed and went out of my account on XX/XX/XXXX. There was also another payment that went out on the same Check number for the amount of XXXX. I did not authorize this amount and never wrote a check for this amount, nor is it possible to write a check for a different amount using the same check number. After contacting my Bank and XXXX XXXX on XX/XX/XXXX, It was made known to me that Wells fargo, the lending company 's bank, was the one in error. It was said that they possibly paid someone else 's mortgage with my Check information. My bank said there is nothing they can do, such as a stop payment, because the check went through. I am not sure why this is possible that that same check number was used twice. I was told to be patient and that Wells Fargo would fix the matter. I contacted my bank and again was told that there is nothing that can be done on their end, meanwhile my account is overdrawn and I am missing XXXX $ from my account. I called XXXX on XX/XX/XXXX and am told that they can do nothing unless the mortgage company calls in. I am still without my money, that I did not authorize to be taken from my account, and I am unable to pay bills or even deposit money into my account since it is in the negative.
Product: Credit reporting or other personal consumer reports

I disputed this account due to inaccuracy with all three credit bureaus, but they said it was accurate. There are clearly multiple discrepancies such as : account status, date opened, term, last reported, date last active, and date of last payment. How this information was found to be accurate is baffling as this clearly is a violation of the FCRA. There are so many discrepancies to the point this information can not be reliably updated, the only option is removal of this account.
Product: Credit card

Dear CFP, I am writing to express my complaint regarding Chase Bank 's handling of dispute fees, which I believe is indicative of corrupt practices. They have also used various means to avoid opening a dispute. During my initial conversation with them, they instructed me to upload certain documents. However, after doing so, they changed their stance and requested that I mail the documents. It appears they are unsure of how to properly address the issue. Sincerely, XXXX