23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase Mortgage has said that it mailed me a letter according to them XX/XX/2021. I did not receive this letter or any other letter mailed to me. I have asked Chase to remail this letter to my home address. Chase has not remailed the letter. 
Archives Research is said by Chase Mortgage to have completed its research begun in XX/XX/2021 and mailed me their conclusions. I did not receive this mailing or letter. I have asked Chase to remail the letter or mailing to my home address. Chase has not remailed the letter or mailing. 
I want Chase Mortgage to resend all my mail to my correct home address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This is my fourth attempt to try to get Synchrony Bank to honor the terms of the promotional purchase that I made many months ( years ) ago. The one and only purchase I ever made on this card was at a promotional rate and terms. The purchase of {$7900.00} was made under the agreed upon terms of equal payments for 72 months at XXXX interest. The minimum payment was {$110.00} ( rounded up from {$7900.00} divided by XXXX ). I have been paying that monthly amount for the life of the account using automatic payments and I have not made any other purchases or other transactions. Several months ago, Synchrony began trying to get more money out of me and tried to change the terms of the account to get paper statement fees and late fees out of me. After previous complaints, several fees/charges have been reversed, however, the Company continues to try to require a higher minimum payment than the one that was agreed to years ago in a continued attempt to get late fees from me. As of the statement closing date of XX/XX/year>, Synchrony had entered a bogus/fabricated transaction with a promotional balance of {$1.00} that seems to have caused the minimum monthly payment to increase to {$110.00}. I filed a complaint about that issue with the minimum monthly payment and that complaint has so far been ignored. Now, most recently, Synchrony has imposed late fees and minimum interest fees totaling {$43.00} and has now increased the minimum monthly payment to {$150.00}. Because of the unjustified fees based on bogus account entries, I am now filing this complaint as a monetary ( fee related ) issue. For the fourth time, I ask the CFPB to help me get Synchrony Bank to honor the terms of the promotional purchase that I made with this credit card years ago. Please help. The previous complaint numbers are XXXX, XXXX, and XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I reported a fraudulent purchase of {$9600.00} on my fidelity visa credit card for XXXX  XXXX. On XX/XX/XXXX, the credit was reversed on my card. This is despite the fact that I have never received XXXX  XXXX and never agreed to pay this XXXX  XXXX  for anything ever. I have never requested the services of this plastic surgeon nor any XXXX XXXX for that matter. Likewise, I have never signed any agreement with this XXXX  to pay for any services in my life. I have never even been to this XXXX XXXX office but I am still being held liable for the charge.
Product: Credit reporting or other personal consumer reports

Ive sent in multiple complaints about closed accounts that have not been proven to belong to me. I requested to have the accounts removed but they are still showing and causing me to have negative and or diverse discussions against my credit profile. 
My next step will be filling complaints and requesting to charges for penalties at {$1000.00} per repeated offense through the Supreme Court. 
XXXX credit reporting agency is still reporting closed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account also has been requested to be proved or removed with no progress. 

These are four closed accounts and they have not sent any contract with my signature to prove ownership of any accounts..

I need theses accounts fully removed from my credit profile with all reporting agencies immediately please.

They are illegal actions and if these accounts are not removed as requested I will proceed with legal action. 
XXXX, Experian, and XXXX XXXX.
Product: Mortgage

Select Portfolio Servicing XXXX Inc., is the WORST company I have ever dealt with in life! Since XXXX, XXXX, I have been trying get the mortgage ( in my deceased father 's name ) lowered. I have consistently filled out paperwork, and sent in requested documents over and over again. ( I have those documents as proof along with dated receipt emails from Select Portfolio Servicing , Inc. ) My latest attempt has been to go online and request a modification/assumption ( or whatever the latest option ). However, I received a letter from Select Portfolio Servicing stating that my home would go into Foreclosure and up for sale on XXXX XXXX XXXX. I am attaching a letter I wrote to them in XXXX XXXX. It pretty much sums up the situation. I believe Select Portfolio Servicing has deliberately put me off, by loosing documents, and requesting them over and over again. I had an appraisal done on the home. I contacted them about it, they said it was no long valid because it was over 90 days! I did n't know that! They have done checks on my credit so much that I asked them not to do it anymore because they were Hard Hits! I have met with a XXXX XXXX XXXX to help me with my troubles. I feel somewhat of a relief, but I still have foreclosure hanging over my head. This mortgage company seriously needs to be investigated. I 'm sure other people are experiencing, or have experienced somewhat of the same thing.
Product: Credit reporting or other personal consumer reports

I received yet another letter on XX/XX/year> case XXXX, and rthey are refusing to mail it to my home address. i have asked to have my report mailed to my home address multiple times. Please have them mail it by certified mail to my address. iIdo not want online access. I need it mailed thru the XXXX XXXX XXXX. They have failed to comply with my request to have my credit report mailed to me as I do not have an online account and never had one with them and dont want one with them.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 



Resolution : Delete this these accounts unless you want to be held accountable for {$1000.00} per account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX. All medical bills are paid through them. But yet I have a collection from XXXX. I didnt give anyone the right to look at my medical records. I would like this removed
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the ongoing issue of inaccurate late open accounts on my credit report. Despite multiple attempts to rectify these inaccuracies, the issues persist. This letter marks my fifth attempt to resolve this matter, and I am seeking immediate and effective action. Despite providing all necessary documentation and evidence to support my claim, these inaccuracies remain on my credit report, adversely affecting my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and your agency is obligated to investigate and correct any inaccuracies within 30 days. Please help me correct the late open accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} ; XXXX XXXX Balance Owed XXXX XXXX
Product: Credit reporting or other personal consumer reports

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX, which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations . This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : TransUnion Consumer Relations File, charged off amount is {$1800.00} and closed as of XX/XX/year>. 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, This letter serves as a formal, legally binding dispute of the collection account listed under [ XXXX ] on my credit report. This account is reported inaccurately, is unverifiable, and must be removed immediately pursuant to the laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

As mandated by 15 U.S.C. 1681e ( b ) of the FCRA, you are required to maintain maximum possible accuracy in the information reported. The presence of this collection account on my credit file violates this requirement, as the account has not been verified as accurate or legitimate by the furnishing party.

Legal Violations and Reasons for Removal : 1. Unverified and Inaccurate Reporting ( FCRA 1681i ) : Under 15 U.S.C. 1681i, I am demanding a complete investigation into the accuracy and legitimacy of this collection account. You are required to verify all aspects of this account with the original creditor. Failure to provide verifiable proof within 30 days obligates you to delete this account from my credit report.

2. Lack of Valid Proof of Debt ( FDCPA 1692g ) : According to 15 U.S.C. 1692g, the collection agency must provide concrete evidence of the debt they are attempting to collect, including a signed contract or legal documentation binding me to this obligation. To date, I have not received any such validation, and I assert that no such proof exists. Without this, you are legally required to delete this account immediately.

3. Violation of Accuracy Requirement ( FCRA 1681s-2 ) : Under 15 U.S.C. 1681s-2, furnishers of information are obligated to report only accurate and complete data. The discrepancies in the reporting of this account ( e.g., wrong balance, incorrect dates, or account status ) render this account unverifiable and inaccurate. This violates the law, and if corrections can not be made within the legally mandated time frame, this account must be removed.

4. Failure to Notify of Dispute ( FCRA 1681i ( b ) ) : If this account remains under investigation or is disputed with the creditor, I demand that this status be updated on my credit report. Failure to comply with this requirement is yet another violation of federal law and will be reported accordingly.

Legal Consequences : I am giving you 30 days from the receipt of this letter to complete your investigation, as required by 15 U.S.C. 1681i. Should you fail to comply, I will have no choice but to escalate this matter, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I will pursue legal action for damages under 15 U.S.C. 1681n for willful non-compliance and 15 U.S.C. 1681o for negligent non-compliance, which could result in statutory and punitive damages.
Product: Consumer Loan

I filed a request to Fifth Third Bank as to why the bank charged me late fees above what was listed on the payment coupon. I filed this request XX/XX/2016. The bank never got back to me.
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the account 's high balance, nor do I recognize the later payments associated with it. Everything reported here does not meet the FCRA.

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Due to these violations, I have a right to sue per violation.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have had a Gap store credit card that is not associated with XXXX for several years. Today I received a notification that Gap was sending me an " upgraded '' new Gap Visa Card. This appears to be an unrestricted Visa card. This was completely unsolicited. In the letter there is information that I must call on opt out of the program if I do n't want to receive the new Visa card. I feel this is predatory behavior on the part of Gap or the bank that represents them, Synchrony Bank. Not to mention it has an APR of 25.24 %! If I did not pay close attention to this letter I would not have known I was required to call and opt out. It should be the other way around. The consumer should be required to opt in if they want to issued a Visa card.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this hard inquiry which was a result of identity theft which must be removed no later than 4 business days as per 15 U.S.

Code 1681c-2 made on my credit report for Capital One Bank USA on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage was sold in XX/XX/XXXX from XXXX to Specialized Loan Servicing LLC ( SLS ). I contacted SLS regarding an application for a loan modification due to some unforeseen circumstances that had happened regarding my home. They mailed me out an application and I also printed one from their online website. I contacted them regarding how I should return the application. The lady said I could mail it to the address on the application, email it to the address on the application, or fax it to the number on the application. Since I had pictures to attach to the application I decided it would be best just to send it via email. The email address they gave was XXXXXXXXXXXX. Every time I sent an email I got a confirmation email back saying my documents were received and waiting to be processed. Starting on XX/XX/XXXX, I started receiving calls from SLS 's main number XXXX the caller identified herself on my voice mail as XXXX XXXX with the underwriting department at Specialized Loan Servicing. After a few days of phone tag, we were finally able to touch base. I spoke with XXXX on XX/XX/XXXX and she was wanting to discuss my modification approval for a HAMP modification. She also said the paperwork had been mailed out but since I had n't gotten it she would email it to me and that I would n't be able to open the email without a code and the code would be my social security number. She said this was for my protection. I received the paperwork and looked it over. The loan number on the paperwork was mine, the amounts added up, the phone numbers were to SLS so everything seemed legit especially since the only people who have my loan number were me and SLS. Remember loan numbers are NOT public information. I signed the document and sent it back to SLS 's email at XXXXXXXXXXXX and got a confirmation email back saying it was received and being processed. I also made 2 payments towards my trial period payments totaling {$1200.00}. On XX/XX/XXXX, I received a call from SLS touching base to see how things were going and to let me know they were missing some documents to finish up a loan modification. I told him I always spoke with XXXX, he said that XXXX worked out of their XXXX office and it was only by chance that I always got her. I explained I had already signed a modification agreement with them that XXXX had sent me and made 2 of my three trial period payments. He looked at the agreement ( 6 days after they received it ) and told me it was n't something they had sent me. Then tells me the numbers on the agreement were n't to SLS he said that the number for where my loan was at was XXXX. Obviously, XXXX did n't have very good XXXX because that is the exact number that was on my papers. I have made a report with my local sheriff 's office, the white collar crimes division of the FBI, and the fraud department with HAMP.
Product: Mortgage

Currently, our home is in the final stages of foreclosure and our repeated attempts to modify our loan have been denied by XXXX and the investor that bought the loan from XXXX XXXX. We request your help in obtaining a modification of our mortgage. 

The beginning of XX/XX/XXXX my wife lost her job and our household was suddenly without an income as we were both unemployed. We were able to remain current with our mortgage for a couple of months and received temporary relief from our current mortgagor, XXXX XXXX, under the HAMP program. Our mortgage was dramatically reduced for a period of 6 months to provided time to find another job. At the end of the six months the difference between the reduced payments and the full payment as instantly due. Since neither of us had a job yet, a modification was not feasible and shortly thereafter XXXX filed a foreclosure action. 
In XX/XX/XXXX XXXX sold the loan to XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX. The loan was serviced by XXXX XXXX. 

In XX/XX/XXXX we filed for a loan modification and was denied because our loan to value at 21.35 % was too low. It is true that the loan to value for the XXXX loan is only 21.35 % but the overall loan to value of the combined first ( XXXX ) and second ( XXXX XXXX ) mortgages is much higher. 

The principal, interest and real-estate taxes and fees due XXXX currently amount to {$170000.00} and the amount due the XXXX is currently {$460000.00}. The total due of {$630000.00} is 112.5 % of the appraised value of {$560000.00}. The existence of the XXXX loan makes it impossible for us to refinance the first with any lender because of a combination of loan to value and a low credit score.  XXXX refuses to take into account the second loan in determining loan to value of the property. 

In XX/XX/XXXX my wife obtained a job that pays {$170000.00} per year plus a 30 % bonus. This income alone can service both loans if we were able to modify both loans. XXXX XXXX has indicated that they are willing to modify but that we need to get the first modified first. 

We are looking for any help we can get to get XXXX to modify our loan so we can stay in our home of 24 years and get back in track financially.
Product: Credit card or prepaid card

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on DISCOVERBANK with account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/1991 XXXX To whom it may concern XXXX XXXX is showing on my credit report this is not my account it was open fradulently and as the letter attached states it is supposed to be removed from my credit report. Please remove and send me a copy of my credit report after thank you