23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear person in charge This is a second attempt to ask for your help to resolve our case with Loancare ( COMPLAINT ID XXXX ). 
They said that they would mail us the loan modification document within 45 days, but never did. 
We have been waiting for two and half years for our promised loan modification. We call every month and are told soon it will come. 
We have been paying the trial amount of {$620.00} or more every month at the interest rate of 4.375 % since XX/XX/XXXX. 
ScienceHurricane Maria of XX/XX/XXXX, we have been offered an abatement without penaltyor being reported as delinquent. Yet Loancare / XXXX XXXX / XXXX continued to charge the full interest rate of 6.875 % till XX/XX/XXXX and they reported us as delinquent destroying our credit rating. Constantly promising that we would be sent a loan modification mortgage. We have still not received it. 
We sent our information to the XXXX XXXX XXXX on XX/XX/XXXX. We were told by Loancare we would have a written response to our complaints on XX/XX/XXXX within 30 days. Nothing was ever sent by Loancare. 
Our payoff amount does not reflect all our ( 23 trial ) payments or the new reduced interest rate. 
We are about to sell our house and need an accurate payout statement immediately. 
I feel Loancare has deliberately charged me many thousands of dollars through their lies and stalling tactics. 
Now in the payout statement, it is still not adjusted to the new interest rate or even giving me credit for all my " trial '' payments since last XX/XX/XXXX. 
Our conversation with a worker in the lost mitigation department, XXXX, XX/XX/XXXX, confirmed that our interest rate has been 4.375 % and all our trial payments have not been deducted from the payout document. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX, XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This site takes all personal information and fails to provide a free credit report. 
Data Collection of Personal information including phone # s and not credit report ....

Their only contact information is what is listed below. A po box ....

Big Problem XXXX XXXX XXXX If you have questions or comments about our online privacy policy and fair information practices, please write to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As the consumer, I hereby refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter, including any attempts to report this debt to any credit reporting agency.

Pursuant to 15 U.S.C. 1692c ( c ), you are legally required to cease all collection activities and any further contact with me regarding this alleged debt, except for the purposes of confirming the termination of collection efforts or notifying me of any specific legal actions you intend to take.

Please also be advised that I am keeping detailed records of all correspondence regarding this matter. Any failure to comply with the requirements outlined under the FDCPA may result in legal action against your company for violating my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following items I have been disputing has not been removed from by credit report on XXXX as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX and XXXX XXXX XXXX company the reason why I am disputing these items do not who they are and can not get in contact.
Product: Credit card or prepaid card

On XX/XX/2021 I received a request from Bank of America for income verification and my social security verification. The letter was dated XX/XX/2021. I put together all the requested information, prepared a package and called Bank of America on XX/XX/2021 to ask them if they had a fax # or an email address where I could send the documents they requested, to avoid delays, save time in the mail and avoid sending personal identifying information in the mail. The gentleman I spoke to told me BofA did not have that option. The only option was using the prepaid envelope provided in the request and mail it back to them. I specifically asked the gentleman to make notes in the account that I was placing the paperwork in the mail the same day I was talking to him on the phone. He said he did. I wouldn't know. I mailed the paperwork to them on XX/XX/2021, immediately after talking to the BofA representative on the phone. I did not hear anything back from BofA until today, XX/XX/2021 when I called to follow up on the status of my account. I punched in the last 4 digits of my card number, an announcement came up telling me " this account is closed ''. I was furious. I had no idea my account was closed. I received no calls, no emails, no texts, no alerts, no correspondence in the mail. I called BofA, I got transferred, to learn that the reason BofA closed my account was because they received my income and ID verification documents " 2 days late ''. The letter BofA sent me specified that I had 30 days to comply, and I was way ahead of these 30 days when I sent them the paperwork in their own postmark paid envelope. The mail went out on XX/XX/2021, 2 days after receiving their request, and I diligently made a note of that. This is illegal practice by this bank. I did everything in a timely manner, I received the letter on the XXXX, and mailed the requested documents out to them on the XXXX of XXXX. Somehow, my paperwork fell through the cracks within BofA organization, or was sitting on someone's desk under a pile and got forgotten, and for that reason I am being penalized by BofA because they failed to process my information in a timely manner on their end. This is UNACCEPTABLE. This bank is clearly not practicing within the boundaries of their own time regulations. They have no right to close my account without properly checking their records, reading notes, checking the dates. They simply closed my account. End of story.
Product: Debt collection

I called to ask about the account that I saw in collections and informed the company that they had the wrong address. I never received the bill. I did n't know what it was. I asked to have a bill sent to me so I could review it. I was told that if I did n't pay immediately it would stay on my report no matter what. I ended up paying for it and I 'm not sure if it was my debt. They would n't give me the doctors name or anything. When I contacted the original creditor they did n't have my information. No social security numbers nothing. I 'm not sure who I gave my credit card information to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached letter dated XX/XX/2022 was mailed via USPS to Equifax and delivered on XX/XX/2022 per the tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Equifax then proceeded to submit a dispute on XX/XX/2022 that I did not authorize or request. The investigation of this unauthorized dispute was completed on XX/XX/2022. Though previous disputes have been submitted for this account on file another dispute was not my request. My request was for the validation of debt that Equifax holds on to my consumer file to be able to legally furnish this information on my consumer report. Per the initial rep during my 1-hour phone call with Equifax, they do not have any substantial proof of evidence or validation of the debt and acknowledge that it should not be on my account, however, they will not remove it. As a reminder pursuant to 15 USC 1681B, any account that a credit reporting agency continues to report without being able to substantially validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separately. In light of recent investigations brought upon Equifax, I find that my consumer file is being tampered with. Over the past two years, I have made several attempts to remind Equifax of their duty pursuant 15 USC 1681. It appears that they are intentionally and willfully neglectful in remedying my affairs. 15 USC 1681 e ( b ) assures that I am due, and promised accuracy in my report based on federal law. 15 USC 1681 i ( A.5 ) says that after a reinvestigation all unverified information must promptly be removed. Equifax is refusing to remove XXXX XXXX XXXX XXXX - XXXX from my consumer report though they acknowledge that they do not have substantial evidence to furnish the account. I am demanding that this account be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for the XXXX Visa Card from Barclays Bank and was approved in XX/XX/2019. On XX/XX/2019, I was informed via email there was a change in terms to the rewards structure. This change occurred so quickly that I feel like the advertised card and benefits that were marketed to me to entice me to apply were misleading and deceptive because the company significantly changed the reward structure immediately on me. This is unfair because I closed another account when opening this new card which impacts my personal credit via the credit inquiry and the decision to close another long standing account based on the advertised rewards Barclays offered. Barclays at the very least should grandfather existing account holders. I contacted Barclays regarding my complaint but no resolution was offered.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

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 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 XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Debt collection

In response to XXXX XXXX XXXX statement on XX/XX/XXXX. According to the contract uploaded by XXXX XXXX, the address used to open the account is not my current address. The contract lists XXXX XXXX XXXX XXXX, XXXX, FL XXXX as the address for the account with an IP address of XXXX. I have lived at my current address since XXXX. I have attached a copy of my Electric bill from XXXX showing my address. Therefore, this information is inaccurate and XXXX has failed to notify each consumer reporting agencies of this inaccurate information. Furthermore, the contract was electronically signed therefore it does not contain a valid signature which is a sign of possible identity theft. A letter was sent to XXXX XXXX XXXX on XX/XX/XXXX which was received and signed on XX/XX/XXXX. The letter requested information that was used to obtained the loan. According to the Fairs Credit Report Act and Debt Protect Act, the furnisher is required to provide me with any and all information used to open the account if provided an Identity Theft Report. XXXX has yet to comply with the request as well as a cease and desist request. A letter has also been sent to Credova, the company XXXX stated on their last CFPB response which was assigned to them. A final letter will be sent on XX/XX/XXXX ( 30 days after receipt of first letter ). If the furnisher does not comply I will take legal action against XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge.

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX. 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Mortgage

I just had my home refinanced and the loan was purchased by Freedom Mortgage. I attempted to make my payment via ACH payment using my checking account online only to find out the payment was reversed days later. I began to get calls regarding a late payment and I explained that I made the payment and they said it was reversed for the wrong account number. I made another payment attempt and even removed the payment type and re-added it copying it from my banks online account portal. It was reversed again. I made another attempt and it happened again. 

I called each time about this and was told I input incorrect information. I spoke with several agents yesterday and was told I needed to speak with my bank because it is an issue on their end. I spoke with several agents there and they said no payment attempt has been made and there are no issues. I spoke with someone again at the mortgage company and they suggested I add the zeros before my account number, so I attempted to make another payment. I was called by a supervisor regarding this issue today and they continued to suggest the account number was being input incorrectly when I explained that the full account number is being used. I use this same account for all of my other ACH payments and have had no issues besides with Freedom Mortgage. I am now worried that this will impact my credit rating for non-payment when I have made multiple attempts to make the payment with confirmation numbers and the payments are not being processed. Their support has been lackluster.
Product: Prepaid card

XXXX/XXXX/15 airline ticket for {$190.00} was purchased rushcard declined the purchase, i cancelled the XXXX airlines faxed a merchant authorization released letter twice to them .. i have called over XXXX times since friday XXXX to get the funds reversed and they are still holding the money also while taking funds from my account in the amount of {$170.00}
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These loans have been in consilidation but showing close on credit reports. I would like for the item to be removed. 

15 US CODE 1692 ( C ) If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer, the dept collector shall not communicate further with the consumer with respect to dept.
Product: Credit card or prepaid card

To Whom It May Concern, When I applied for a Personal Loan with American First Finance, I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that American First Finance engaged in fraudulent behavior ( unauthorized use of credit card ).
Product: Debt collection

I had previously obtained internet services with Spectrum, for myself and my dad. I contacted XXXX to have the services disconnected due to my dad passing away. I also requested that the services at my home be disconnected due to the rising cost, and the poor internet service. The representative I spoke with disconnected services at one residence but failed ro disconnect service at the second residence. I made several attempts to contact XXXX to resolve the issue, but was informed that due to the representative not closing both accounts I was responsible for the balance. Spectrum finally resolved the concern of the balance of XXXX ( number XXXX ). However, XXXX is still attempting to collect this debt. I have made several attempts to contact XXXX, and spoke with an unprofessional supervisor, who refused to accept the information given by XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$620.00} THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX