23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan care llc is my mortgage servicer for my second trust deed. 

I have been under review for a modification since XX/XX/XXXX. For the last 4 months they have been asking for proof of rental deposits. We have explained in four letters of explanations LOEs, that there are no rental deposits, the business that rents the property pays the mortgage directly to the first trust deed servicing company. 
We have sent in the letters of explanation since XX/XX/XXXX. Attached you will find the chronology of our correspondence, including evidence of emails and copies of the letters sent. 
I XXXX XXXX am sole Owner of XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I do not write myself rental checks. I pay the mortgage directly from my business account. It is noted on the profit and loss of XXXX XXXX XXXX XXXX as a business expense. 

It is a simple concept that they do not seem to grasp. I have written letters we have explained it to several supervisors who claim they understand then when we call back they again ask us for proof of rental deposits. 

They have also asked for my XXXX tax return I have not filed yet. However, I have sent in a letter from my accountant stating he can not file because he is waiting on information from the IRS, On every phone call they request proof of rental deposits and we explain every time. There are no deposits but evidence of the mortgage being paid directly to the first trust deed servicer through the business bank statements. 

It behooves us to understand how they have not either read the explanation or they do not understand such a simple concept. As of the second of XX/XX/XXXX, we have escalated the case 2 times and again on the XXXX of XXXX the 3rd escalation. Finally on the XXXX of XX/XX/XXXX we were told. The business bank statements show expenditures not deposits. ( yes this what the LOE explains ) Since we do not have proof of deposits we are going to foreclose. 

We dont understand why they cant or dont want to get past the deposits. If there are no deposits, we cant show any. If they need to remove the rent as income, they could do that and not count it as such. But to continue to demand something they have been told several times doesnt exist is nonsensical. And to threaten to foreclose because they dont have proof of something that they dont have to count, or can be explained simply is beyond nonsense. It is hard to believe this is a mere oversight or a misunderstanding when it has been explained several times. I do not want to believe but I have a suspicion that this may be a planned action to foreclose since there is so much equity in my home. 

If they offer modifications and they agreed to review for the modification. They should accept the application and the supporting documents and review as promised. Not look for an excuse to foreclose. 

We have attached the chronological time line including evidence of emails sent with the letters and the time and date of the several conversations explaining there are no rental deposits.
Product: Debt collection

RE : XXXX - ONEMAIN FINANCIAL XXXX XXXX XXXXXXXX XXXX ( E-CASE ) AND RE : XXXX - ONEMAIN FINANCIAL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( E-CASE ) I can not find a better way to address this, as i have never received an Initial demand letter of any kind from this firm in relation to either of these cases. 

The firm did in fact violate FDCPA by filing both of these cases in separate courts and or counties and did so by never ( to this day ) having my corrected address. 

The firm never sent an initial demand notice providing me 30 days for a hearing, they never served me, nor did they serve a responsible party that would convey the signed affidavit waiving my rights and or that legal action was going to be taken against me. Case XXXX signed by " XXXX '' This person is not someone I would trust with my light bill, let alone a debt that is worth more than the vehicle I drive. 

The fact of the matter is that I showed up in court on multiple dates ( RE case XXXX ) to explain that I don't live in XXXX XXXX anymore, and im back in XXXXXXXX XXXX ... .. and the attorney never once stated i was already had garnishments executed against me XXXX RE Case XXXX ) AND that they are trying to execute a garnishment for a company I never worked for initially. 

-Harassing process servers influencing a roommate to sign for me, resulted in me never getting knowledge of the debt. 
-Never getting initial demand notice from collectors at ANY address. Including the newly updated address in the correct county - XXXX XXXX -Multiple attempts to hand attorney my new address when in court cases in XXXX XXXX XXXX try to assist -Communication several times with the firm that Bankruptcy was going to have to be the end result ( when I could afford it ) -The origin of the debt is of unsecured nature However, upon questioning the need for additional funds .One main had knowledge this was a purchase for an Engagement ring that is no longer / has not been in my possession for several years ( my ex fianc did not give the property back and sold it for a lessor value and kept the funds ) -See XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Never did I work there, and you all should have had returned mail for any address associated with that Credit union ( as this was a bank that held a lien for a prior repossessed vehicle ). 

The practices are predatory, and even to someone like me that knows the FDCPA you seem to be able to pull one over on the consumer by slide of hand. 

I tried to even provide this attorney my new address, and it was declined .... I can not believe you are allowed to deal this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a collection on my credit report that pop up and its not mines its fraudulent and i want it removed under the fair credit reporting act ( FCRA ) XXXX XXXX XXXX also i have 5 inquiries that is not mines and i want it removed as well asap under the FCRA cXXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX - XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2015 with a balance of {$23000.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are inaccurately reporting the payment history of my student loan account. I have been enrolled in school and is erroneously reporting late payments. I sent XXXX  and Experian   documentation from the loan service provider verifying that my loans were under forbearance for the time period the loans are reported late. XXXX  removed the late payments initially but placed them back on my report without notifying me. Experian never responded to my request. XXXX  and Experian are violating the law by reporting inaccurate information.
Product: Mortgage

I applied for a mortgage with Amerisave for a refinance of a condominium in XX/XX/XXXX. Because the condominium was in a new development, I had been unable to get a 30 year fixed loan with other lenders as they said the project had to be completed first. I had used Amerisave before, so I called the loan officer who had done my other loans and mentioned that I was unable to get a loan on this particular condo until the remaining units were completed. He told me that Amerisave could do the refinance, a 30 year fixed rate loan. I told him that I did not want them to run the credit check and the appraisal unless I was assured that Amerisave could do this particular loan -- a 3.75 % 30 year fixed loan with no points -- on a condo development that was not completed ( although my condo had closed in XX/XX/XXXX ). XXXX XXXX, the loan officer, assured me repeatedly that Amerisave could do this loan. He also assured me that since we had just completed a refinance on my other condominium that he knew I was personally well qualified for both loans. With this assurance, they ran my credit ( which was excellent ) and I paid the {$450.00} for the appraisal. The appraisal came back within a week, and the value of the property was much higher than we expected. The condo appraised at {$1000000.00} and the loan was only for {$560000.00} -- a much better loan to value percentage than when I originally applied. For the next four and a half months, I produced every document requested the same day. I complied with every single document request immediately. The 60 day lock on the loan expired on XXXX XXXX, and leading up to that I continued to inquire why the loan had not been approved and why we were not going to closing. They either would not respond to me, or would request yet another document. I was repeatedly assured that the loan would be approved, they were just swamped. By XXXX I was calling them almost daily to figure out what the problem was. I went to XXXX supervisor, his supervisor 's supervisor, all to no avail, until one day in mid XXXX I was told by his supervisor that Amerisave would never make a loan on a condo development that was not completed and had not yet been approved by XXXX. I told her that this was precisely the threshold question I asked XXXX XXXX before I agreed to pay for the appraisal and go through months of agonizing document production. She told me he never should have told me that and that they would refund my appraisal. I asked her in mid XXXX to process the refund. she then stopped taking my calls/emails. I then reached XXXX XXXX by calling from a different number, and he said I would have my appraisal fee refunded " within a week. '' that was almost a month ago. XXXX XXXX now will not answer my calls, return my calls, or respond to my emails.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE HARD INQUIRIES AND REQUEST THAT THEY BE DELETED... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I spoke with a representative in the XXXX XXXX XXXX department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( Hood & Stacey ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time XXXX XXXX verified the debt and stated they were still collecting on the debt. 

On today, XX/XX/XXXX I contacted XXXX ( Hood & Stacey ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for XXXX XXXX. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.
Product: Credit card

On XX/XX/year>, a XXXX XXXX was triple charged to my credit card in the amount of {$430.00}. I filed a dispute with the CITI credit card. CITI claimed that the reason for the dispute was paid by other means, which I disagree with. It's a simple credit card transaction that was triple charged and I'm not sure why CITI is claiming the " other means '' reason and requesting a copy of the check. 

I contacted CITI credit card on several occasions and spoke with XXXX a manager in the disputes department who told me that I'm out of luck. Unless I provide a copy of the cancelled check there's nothing, she can do for me. CITI credit card is refusing to do anything about this dispute.
Product: Money transfer, virtual currency, or money service

Cash app is not trying to give me my money back
Product: Credit card

I ordered a prepaid Capital One credit card to help with my credit report. Back in XX/XX/XXXX I was the victim of identity theft and reported this issues to Capital One while trying to make payment on my credit card. XXXX XXXX gave me a due date to pay by XX/XX/XXXX or the credit care would be permanently closed. I called on XX/XX/XXXX only to find out the Capital One closed the account and asking me to pay a balance of {$460.00} of money that was never grants to me. I use the money that I put on the credit card and pay it back in a timely manner to help my credit. Capital One is now reporting this on my credit report as late and sent to collections.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed three hard inquiries I did not authorize. Under the FCRA Section 604, a credit inquiry can only be made with the consumer 's explicit consent. I did not provide such consent for the following inquiries : PRESTIGE FINANCIAL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These unauthorized inquiries are negatively impacting my credit score and are a violation of my consumer rights. I would like to ask that these inquiries be removed from my credit report immediately. 

Please consider this letter as a formal notice that you have 10 days from receipt of this letter to remove these unauthorized inquiries. Failure to comply with this request will leave me with no choice but to pursue all available legal remedies to resolve this matter, including filing a formal complaint with the FTC and possibly pursuing legal action.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> made multiple attempts to contact Experian by phone for a credit freeze lift. Automated phone system has no option to speak with a person. The same system states " you can lift a credit freeze anytime by visiting the website or on the phone '' It then offers me the option to initiate a freeze, or request a credit report, and nothing else. No automated option to lift the freeze, no option to speak with a human. 

This is preventing me from obtaining mortgage approval and causing me financial harm. 

This is abominable service from a company that has total control over aspects of our lives. CFPB Please do something to correct this terrible corporate behavior.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i submitted a complaint through CFPB in regards to XXXX XXXX XXXX being on my credit file. I received response back from Equifax on XX/XX/year>. Which is over the 30 days allowed by law to get a response. But equifax submitted the response as XXXX XXXX XXXX being deleted from my Equifax profile. I have screen shots of the response. It has still not been removed from my credot file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX OF XXXX  XXXX XXXX : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

These hard injuries below need to be removed from my credit report immediately due to identity theft XXXX XXXX XXXX- on XXXX as well as all the soft injuries ran by XXXX without my permission and I demand a XXXX refund for the XXXX app i have been asking over and over again
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection that appears on my credit report that I have no knoweldge of nor have I ever been contacted about this previosuly. The reporting is by a company named XXXX XXXX XXXX in XXXX California. I have called to Experian and disputed the information. I also placed a call to XXXX XXXX XXXX on Monday the XX/XX/XXXX. I spoke with someone who transfered me to the voice mail of a XXXX which I left a message. Ny Thursday the XXXX I have not had my call returned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND WESTLAKE PORTFOLIO {$1800.00} I INFORMED CREDIT BUREAUS OF IDENTITY THEFT VIA PHONE AND REQUESTED THE CONTRACTUAL OBLIGATION TO THESE ACCOUNTS TO VERIFY MY SIGNATURE. I ALSO DISPUTED THESE ACCOUNTS WITH XXXX AND XXXX MULTIPLE TIMES AFTER MULTIPLE DENIALS.
Product: Debt collection

On XXXX XXXX, XXXX of XXXX, a lawyer for the plaintiffs in XXXX class actions pending in New York bankruptcy court, confirmed Monday that the XXXX banks agreed last week that within the next three months, they 'll either report this debt as included in bankruptcy and remove any negative information or will delete it entirely from credit reports. 

The lawsuit, filed in XXXX Bankruptcy Court in XXXX, accused the banks of engineering what amounts to a subtle but ruthless debt collection tactic, effectively holding borrowers ' credit reports hostage, refusing to fix the mistakes unless people pay money for debts that they do not actually owe. 

Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against JPMorgan, he said, " The complaint sets forth a cause of action that Chase is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. " As it is now XXXX XXXX, more than the three months agreed upon in the settlement, I am requesting IMMEDIATE deletion of the zombie debt reported by CHASE that appears on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX CHARGE OFF XP Late Dates : XXXX, XXXX XXXX  XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} REV {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX/XXXX/EF The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, FCRA must block the fraudulent information and the victim must be identified within four business days  after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX