23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I in the beginning of the Covid pandemic applied for a forbearance and was approved because of the cares act and was then later presented with a modification in which I thought was going to provide me with being able to put the payments missed during the forbearance at the end of the loan by extending the mortgage end date. On XX/XX/2021 I signed and had notarized and then sent the documents back to Loan Care LLC. I then received a copy back from loan care LLC dated XXXX XXXX, almost 6 months later, notarized by Loan Cares Notary saying that enclosed is a copy of your executed document. Please retain this copy for your records. We are pleased to have been able to work with you on this matter. I then received another copy dated XXXX XXXX of the same thing. I then make 5 payments of the agreed {$700.00} payment. And then receive another package that looked just like the package I signed in XXXX of XXXX. I then call Loan Care LLC to figure out why I received another package and I received several different vague answers from multiple agents at loan care. I spoke to supervisors in their leadership department that told me it all looked good and Payments were made as agreed to and there notes said that no further action is needed from me but they would email the underwriting department to see whats going on and that they would call me back. This happens approximately 10 different times and all 10 times never received a response back. I then start receiving letters from loan care LLC saying my house may go to foreclosure soon and I should call to settle this matter in which I did. Every time I called on this matter to see what was happening the agents told me that things were in process with loan care LLC and not to worry that it was just crossed in the mail and I need not to worry. 
I then receive a letter from an attorney both by regular mail and certified saying that I am in foreclosure and I had 30 days to contest. I immediately call loan care LLC and they said its because I didnt respond to the second document package that they themselves told me not to worry about and they would work this out and call me back which they never did. After 2 weeks of stressful worrying and calling them back almost everyday during that period was finally able to get the foreclosure suspended pending review. I then with no calls from them ever was sent a package regular mail that extended my mortgage by 20 for years so a total of 40 years at double the interest rate and {$220.00} more a month even though I was 10 year into a 30 year mortgage making me only have 20  years left. I call them back after the XXXX holiday and they tell me Im past my date of approval to put the remaining payments at the end and I wouldnt be if they didnt mess up the original paper work. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint to solved this matter. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The three credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held by them. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$17000.00} XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; 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 : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8100.00} ; XXXX  XX/XX/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 XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX 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

I have an account Texas Office of the Attorney general ( listed on Trans Union as XXXX XXXX XXXX ). TransUnion is showing me 30 days late In XX/XX/2019, 60 days late in XX/XX/2019, 90 days late in XX/XX/2019, 30 days late in XX/XX/2019, 60 days late in XX/XX/2019, 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I called the Texas OAG and they report I was never late and they did not report me late and I am current and they reported me current each month where TransUnion is showing me late. I have filed 2 disputes with my payment documentation and although TransUnion shows me Latest Status : Current, they have not removed the 7 negative notations in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/2019. XXXX has it correct, why can't TransUnion get it corrected?
Product: Debt collection

I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 

This letter is to inform you that I have the right to request a validation and verification of this deft and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or collection activity and remove it all together. 

Please attach copies of the following documents : -Agreement that you have authority to collect on this alleged debt. 
-Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
-Complete payment history on this account, to prove that the amount you wish to collect is correct and when was the last payment made. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Thank you, XXXX XXXX
Product: Debt collection

NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX, PA XXXX Debt Validation Request Pursuant to 15 U.S. Code 1692g To Whom It May Concern, I am writing to formally request validation of the debt you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g. I do not acknowledge this debt and demand the following information be provided before I take any further action : 1. Proof that I owe this debt, including a signed agreement or contract with my signature.

2. A detailed account of the debt, including the original creditors name, the amount owed, and how the balance was calculated.

3. Proof that your agency has the legal authority to collect this debt, including a copy of the assignment or transfer of the debt from the original creditor.

4. Verification that this debt has not exceeded the statute of limitations for collection in my state.

5. A copy of any judgments, if applicable, related to this alleged debt. 

Until I receive this documentation, I am disputing the validity of this debt, and you are prohibited from reporting it to any credit bureau or continuing collection efforts, per 15 U.S. Code 1692g ( b ).

Please respond within 4 days of receiving this letter. Failure to provide the requested validation may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. Any further contact must be in writing.
Product: Debt collection

I had XXXX service bundled with XXXX phone service. When I canceled my account with XXXX they said I owed {$38.00} still for XXXX portion. I initially disputed this as I had paid my XXXX bill separately. XXXX said matter was resolved. 

Many months later, I received harassing phone calls and letters from XXXX XXXX XXXX regarding this supposed debt. In order to get rid of them, I paid {$38.00} to XXXX XXXX XXXX again, and was told that matter was finally resolved. 

Recently, I have been receiving harassing phone calls from ERC regarding this same 'debt ' that I have already paid twice. 

XXXX is harassing me and trying to extort money from me for a debt that has been paid twice. XXXX and ERC are threatening my credit unless I pay them this {$38.00} again. This is harassment and extortion and I want XXXX and their practices investigated. Even after I pay the collection agency of the month, XXXX finds another willing partner to attempt to extort money already paid. Please help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX & XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  Date of inquiry XX/XX/XXXX 1 XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

I have a collection account of {$700.00} from the collection agency listed as Southwest Credit Systems. I have contacted the agency by phone calls, emails and certified mail asking for debt verification and for the account to be removed from my account. I have also disputed this account with the three credit bureaus. I have been unsuccessful and this collection is extremely hurting my credit score and now my livelihood ; I have been denied housing and transportation because of this false account.
Product: Credit card or prepaid card

I made a purchase back in XX/XX/2021, paid my Comenity Bank bill in XX/XX/2021 a day late. Therefore, I never received another statement to state the late fee, and if I did I would have called to discuss removing the late fee, as my payment is history is great. I NEVER received another statement until there were XXXX late fees on a statement, when I called to discuss the representative was nasty, stated they could only remove XXXX late fee. I explained that I never received an email statement nor paper statement, cause I would have called to have them the late fee. It sounds like a scam to get money from me or others. They are harassing me at home and cell, an my husband told them to stop calling. He unfortunately, was and still is going for XXXX treatments. Now they are harassing me at work, I tried to settle this but they do not want to hear about the statement never received. Look at my history never have I had a problem any company with payments. Now the bill keeps getting higher and higher.
Product: Checking or savings account

I open a U.S. bank checking account online on XXXXXXXX XXXX XXXX with promo code XXXX, the promo code terms and conditions say " Make two direct deposit and earn {$500.00} when your direct deposits total {$6000.00} or more ''. I made two direct deposit from my employer e-paycheck on the day XX/XX/2022 and XX/XX/2022, $ XXXX each which makes me believe all the requirements to earn the bonus are met. Unfortunately, I haven't see any bonus in my checking yet. Contact the bank customer service couple of times and today I receive a mailed letter telling me that my request has been declined just because this checking account is co-branded with State Farm XXXX which is not eligible for the bonus. I don't get it, are you telling me this account is not U.S. bank checking account? If it's not eligible for the promo, why the online system honor the code and let me go through account open process? I have the letter scanned and attached here, it says the promo code XXXX is on file.
Product: Checking or savings account

I applied for US Bank account on XXXX XXXX XXXXpplication ID is XXXX ) and was approved on XXXX The deposit of {$25.00} was posted on XXXX XXXX Confirmation number : XXXX ) Besides the approval email, I did not receive any other documents or debit card. Therefore, I do not know the checking account number. 
When I called to request service, I was asked for either account number or debit card number and I do not know both numbers, therefore, I was unable to use the account or close the account. 
Please help me close the account and refund the {$25.00} deposit. 
Thanks
Product: Credit reporting or other personal consumer reports

There is an account under my name that says XXXX that says something about a car loan. Its so confusing because it also say a student loans. I dont understand, but I dont have no XXXX XXXX XXXX XXXX I only have a XXXX XXXX. I received something from XXXX and I replied and told them its not mine. I only buy XXXX car at a time. Im barely paying off my XXXX. Why would I jump from a XXXX to a XXXX while still having a note. Can you please see who purchased this car in my name or clear this error. I am working on it as well so I can file a police report. Thanks
Product: Credit reporting or other personal consumer reports

company is refusing to properly investigate and removed said items on my credit report. this has been going on for 2 years or more. they would get a dispute and come back the same day with results. they are not doing their job.
Product: Mortgage

PNC foreclosed our home in XXXX of 2012. PNC also owned the second which was a successive loan secured by a separate deed of trust on the same real property. PNC sold our debt to XXXX XXXX. This was a nonjudicial foreclosure. 
According to XXXX and XXXX PNC should have filed a deficiency judgment against us within 3 months of the foreclosure. 
PNC is now saying they did not have control over the second at time of foreclosure but we have emails that support the fact that they did have control over the second. 
We had a buyer for our short sale. The PNC the second agreed to settle the XXXX loan amount for $ XXXX. The XXXX agreed to the short sale amount. California XXXX stated that the XXXX had to be settled in escrow. That meant the XXXX had to agree to let this happen in escrow. PNC the XXXX would not agree to it. PNC the XXXX wanted all the money. Therefore PNC the XXXX foreclosed. This is all supported in the copy of the emails.
Product: Checking or savings account

I am a customer with Clesius, the crypto currency exchange that recently froze withdrawals. I had no loan products and only bought a stablecoin, USDC, which is pegged to the US dollar and has not been depegged. Celsius misled me when I deposited approximately {$5000.00} USD into their exchange with the promise that it could be withdrawn at will. My most recent balance is approximately {$5300.00} USDC. Attached is a recent spreadsheet of my account transactions from Celsius for proof of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX Re : Continuous and Blatant Violation of FCRA and Consumer Rights To Whom It May Concern : I am disturbed that you continue to intentional list on my Equifax credit report an alleged filed and discharged Chapter XXXX bankruptcy public record as being verified by your agency when in fact I have NEVER filed a Chapter XXXX bankruptcy nor was ever part of any alleged Chapter XXXX discharge action. 

I have written to you four ( 4 ) times disputing the alleged Chapter XXXX bankruptcy filing and discharge information on my credit report but you continue to blatantly ignore my request for verification and removal of this very damaging information on my Equifax credit report. Further, you continue to state in your follow-up correspondence to me that you verified the disputed public record on my Equifax credit report with a third party vendor, XXXX, and have updated the bankruptcy in your records to report as discharged/completed Chapter XXXX on my Equifax credit report. 

Oddly, I contacted XXXX Consumer Center to ascertain why they were reporting to you, as your third-party vendor, a filed and discharged Chapter XXXX bankruptcy about me when I never took such an action. XXXX responded to me via written letter dated XX/XX/2019 ( see attached letter ) that after searching their companys databases they were unable to locate a file in their system on me. Since XXXX verified that NO file exists in their databases on me, how then can you declare you verified the alleged Chapter XXXX bankruptcy filing and discharge information showing on my Equifax credit report as accurate and belonging to me. 

Please delete the unverified and unsubstantiated Chapter XXXX bankruptcy public record from my Equifax credit report immediately as you have been dishonest and untruthful in your investigation and reinvestigations of my credit report dispute. ( As a side note, I was also affected by your data breach that exposed my personal information and am a class action participant in the Equifax Data Breach Settlement agreed to with the Federal Trade Commission, the Consumer Financial Protection  Bureau, and 50 U.S. states and territories. ). Per FCRA regulations, you have no right to maintain false, incorrect, inaccurate and unverified information in my credit file. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an ( re ) investigation, I would appreciate your response within 14 calendar days from receipt of this letter. Thank you for your instant cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I have opened a loan account with XXXX XXXX XXXX for buying a used car from XXXX dealership XXXX my monthly payment is {$740.00} for XXXX payment was paid on XX/XX/2022, at that time I was sick with XXXX and was not able to go out until few days after. the total late days were only 13 days but XXXX XXXX XXXX reported it as 30 days late payment which is totally wrong. I have written up a request ( XXXX ) to XXXX XXXX XXXX asking them to remove that from my credit report with all XXXX credit bureau but they rejected my request. Also, I did dispute it with the credit bureau but the result came back as accurate info. I am attaching a proof from my account page with XXXX XXXX XXXX showing the payment has been received on XX/XX/2022 which means only 13 days late from the initial payment scheduled date. 
Their intensionally wrong report caused me losing my eligibility for home Mortgage XXXX weeks ago, where I was buying a house to my family and elderly parents.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Santander owes me a {$220.00} bonus as of XX/XX/XXXX : Here 's the ad : https : //www.santanderbank.com/us/pages/personal/checking-accounts-acq? XXXX & utm_medium=XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX Here are the steps to get the bonus, per the ad : 1 ) Open a new and eligible checking account by XX/XX/XXXX using the unique promotion code shown on this page after you provide your name and email address. 
- I opened my account on XX/XX/XXXX 2 ) Have direct deposits totaling {$1000.00} or more post to the account within the first 90 days, starting the first business day after opening the account. 
- I had a direct deposit of {$1100.00} on XX/XX/XXXX 3 ) Keep your account open for at least 90 days and open at the time of the payment. 
- 90 days from my account opening is XX/XX/XXXX 4 ) Get paid! Once you have met these conditions, and your account has been open for 90 days, your {$220.00} bonus will be paid within 30 days. 
- 30 days after that is XX/XX/XXXX I phoned Santander a few days ago and they created inquiry # XXXX but they never solved the problem.
Product: Student loan

I had taken a loan several years ago with   XXXX   XXXX  , which was transferred to Navient. I paid Navient a payment of approximately {$100.00} per month, which was increased to {$210.00}. per month. I then received a letter on  XXXX  XXXX /17 that my payment would be increased from {$210.00} to {$650.00} a month. I called Navient and was told there are no options to lower my payments-my options were to take a forbearance or pay the high payments which were unaffordable, especially since I have federal loans which I pay as well. I was told there were absolutely no options to make my payments any lower. I immediately had to take the forbearance ( dated  XXXX / XXXX /17 ), and had to quickly apply to refinance the loan through   XXXX   XXXX  . The loan was secured through  XXXX , and I was forced to pay off my loan to Navient dated  XXXX / XXXX /17.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to add a personal statement to my report when I was hung up on 3 times and lied to about the description of my statement. The accounts are unverifiable and I have requested disclosure from Equifax and XXXX and the process of the reinvestigation procedure and they are still reporting the account has been verified even tho I contacted the creditors and they cant verify them. This was on XX/XX/2021. I have been sending letters since XXXX XXXX.