23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIS IS NOT A DUPLICATE, PORTFOLIO RECOVERY HAS NOT COMPLIED WITH THE FCRA OR THE FDCPA. THEY NEED TO CEASE COMMUNICATION IN ALL MEDIUMS INCLUDED BUT NOT LIMITED TO XXXX, XXXX, XXXX, SOCIAL MEDIA, EMAIL ETC. 

On XX/XX/2022, I sent a certified letter to Portfolio Recovery Acct # XXXX, tracking number : XXXX and it was delivered on XX/XX/2022, at XXXX. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and XXXX. I also sent copies of these letters to XXXX, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and XXXX have continued to report this inaccurate and false information. XXXX has failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my credit monitoring service that my name, address, and SSN was compromised. I pulled my consumer report and noticed Equifax is reporting some fraudulent accounts and inquiries on my consumer report. Furnishing, deceptive, and fraudulent information on my consumer report violates my rights as a consumer. Delete these accounts immediately.

15 USC 1681c-2 ( a ) '' Except as otherwise provided in this section, 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. '' - XXXX XXXX ( XXXX ) - XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was showing my grandson a game called XXXX XXXX XXXX  on my phone. He grabbed my phone and within seconds I had 6- charges of XXXX ea charged through XXXX XXXX to my PayPal account and out of my checking account. PayPal has refunded 2 of them but refuse to return the other 4. I am retired on XXXX and these charges expected amount is absurd. And to let 6 go through in seconds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are negatively impacting my credit score, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following accounts and inquiries are questionable or unauthorized, and I request that they be clarified or removed immediately : Lending Club Corp, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXX, Account Number : XXXX - I question the name and number of this account, which may be inaccurate or incomplete. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

XXXX XXXX XXXXXXXX, Account Number : XXXX - I have no recollection of this account and believe it to be frivolous, which may be in violation of FCRA. Under FCRA, I have the right to request that fraudulent or unauthorized accounts be removed from my credit report. 

XXXX XXXX, Date of Inquiry : XX/XX/XXXX - I did not authorize this credit pull and demand that it be removed from my credit report, which may be in violation of FCRA. Under FCRA, I have the right to request that unauthorized inquiries be removed from my credit report. 

XXXXXXXX XXXX, Account Number : XXXX - I do not recall ever being associated with this unfamiliar company and question how this account is being continuously verified, which may be in violation of FCRA. Under FCRA, I have the right to request that inaccurate or incomplete information be corrected or deleted from my credit report. 

I request that you investigate these items and provide me with a written response detailing the actions taken to resolve these disputes within the time frame set forth by FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Debt is for a monthly charge from XXXX XXXX for my husband for equipment. He agreed that payment would to be paid by monthly credit card deductions about {$17.00} per month. XXXX XXXX is trying to collect for year of XX/XX/XXXX. My husband is deceased with death in XX/XX/XXXX and all equipment was returned to them at that time. I no longer have access to credit card information to ascertain if XXXX XXXX actually charged credit card. Assumption was that monthly bill was being paid by automatic deduction. XXXX XXXX never billed us at the time nor since that time nor have they ever tried to contact my husband and went directly to collection. My husband 's assumption was that the monthly payment was automatically paid by credit card as XXXX XXXX had requested.
Product: Mortgage

On XX/XX/20 I began a refinance application with AmeriSave Mortgage Corporation. I was working with XXXX XXXX, who accepted my payment of {$500.00} on this date as an application fee. To this date, almost three months later, my loan has not closed. I have been asked for the same documents on numerous occasions and l little to no communication from the lender. 

XXXX began the loan process with XXXX XXXX and paid {$500.00} XXXX through XXXX numerous issues uploading documents to the AmeriSave portal and asked Mr. XXXX to call me at least five times with no response. 
XXXX asked for an update, no response XXXX was told I did not qualify for the loan but Mr. XXXX would look for other options. 
XXXXDue to no further response from Mr. XXXX I asked to have my {$500.00} refunded. 
XXXX new loan process started over again with new loan XXXX experienced multiple system errors in portal and asked Mr. XXXX to call me. Mr. XXXX told me he could not call me because his headset was not working. 
XXXX more system issues, Mr. XXXX can't talk due to overbooked appointments. 
XXXX asked Mr. XXXX for an update on the new loan - no response XXXXcontacted corporate to get a refund. I was finally able to get someone to get me Mr. XXXX Manager 's name- XXXX XXXX XXXX Mr. XXXX contacted me via email and apologized for all the communication issues and told me he would personally see my loan through to completion. 
XXXX documents that were previously submitted were requested again- Driver 's Licenses XXXX documents that were previously submitted were requested again- photo 's of the house. 
XXXX I called XXXX XXXX and asked him if all of this are just delay tactics to NOT complete the loan and keep my {$500.00}. I again asked for a refund I am now convinced that AmeriSave is only interested in the {$500.00} loan fee and they do not actually process loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA this is account violated my rights.

15USC 1681 604 A Section 2 : states a consumer reporting agency Account without my written instructions 15 USC 1681 section 602A : States I have a right to privacy 15 USC 1666B : states a creditor may not treat a payment on a credit card as count under an open consumer credit plan as late for any purpose
Product: Checking or savings account

I have two issues. At first, someone took my around XXXX without my knowledge and authorization. then another issue is Well Fargo Claim Dept. made error and took the money that I was supposed to paid for it. 

XX/XX/XXXX - {$210.00}, {$210.00}, {$400.00}, and {$270.00} XX/XX/XXXX - {$60.00}, {$27.00}, {$78.00}, and {$14.00} XXXX - {$12.00} XXXX - {$400.00}, {$210.00}, and {$210.00} XXXX - {$59.00} This is part where Wells Fargo Claim Dept. made error and took the money from XXXX that I was supposed to paid for it and my XXXX account is suspended. 

XX/XX/XXXX - {$140.00}, {$21.00}, and {$140.00} XXXX - {$90.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I pulled my TransUnion credit report and noticed more violations. I want the description of the reinvestigation procedure for the below listed accounts. I want to know who you all spoke with to verify that these accounts were complete and accurate. I want the full names of each person, the addresses, what was asked to them, and what was provided by them in order for you all to deem this information to be accurate. Pursuant to 15 USC 1681i ( a ) ( 7 ) you are to provide that information to me no later than 15 days. 
1. XXXX XXXX XXXX 2. XXXXXXXX XXXX 3XXXX 1.XXXX XXXX XXXX 2. XXXX 3 . XXXX XXXX 4.XXXX 5 . XXXX 6. XXXX XXXX 7. XXXX Please note that I am aware that TransUnion ultimately never had my consent to report any nonpublic personal information to any 3rd parties or even house my information. I am aware that credit reporting is completely voluntary and you have taken complete advantage of me by ruining my reputation. You are to permanently delete the above listed accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$10000.00}
Product: Checking or savings account

I deposited a check written to my business into my personal account in XXXX, after providing documentation supporting my business name and providing the information for the check maker chase refuses to release the check to me. I have visited the branch over ten times and have been sent home multiple times being told that all information was verified and I should receive a check shortly only to realize I have been lied to. I am now late on rent for two months and am struggling to provide for my family and pay for my bills.
Product: Mortgage

This is in regard to the entity known as XXXX XXXX / Loancare & specifically their website https : //XXXX.myloancare.com I currently have two mortgages that this entity has acquired. Both mortgages are current but in forbearance with that period to end for both accounts the end of this month which is the 1st 90 day period of forbearance requested. Just like their prior iteration as XXXX XXXX they footdrag, XXXX or deliberately set a client up for problems. I just received two separate mailings from them stating I needed to notify them as to if forbearance period was adequate or I need additional time. They stated request has to be made no later than XX/XX/2020. I just finished wasting over an hour & a half on their website. In addition to website not fully functioning it only allowed one mortgage account to be listed when registering. I did that and went to create a second registration for other mortgage creating new User ID & password along with mortgage account #. It accepted registration, went to next page and states to go to initial account and add second mortgage. As I stated earlier website is not fully functional. When I went back and logged in using first account credentials I get message " Our records indicate that your loan is currently 30 days or more past due. To assist us in better servicing your account, please provide us your reason for the delay in making your payment. 
Delinquency Reason : " None of my accounts are past due!!! Forcing you to make selection choice which is not " forbearance '' or " Covid 19 ''. None of these buttons are active ; i.e., working. There is no way you can add another mortgage account number or other information. 
My Account My Statements Make a Payment My Profile Account Services In short, their website is not fully functional which I believe is deliberate. 
So here 's how I'm going to deal with this. As XXXX Loancare denied me the ability to extend my forbearance any other way consider this complaint to be a demand for extended forbearance for 90 days on both account # 's : XXXX & XXXX. Furthermore I will NOT engage further with your website as I do not trust or expect anything this entity ( s ) to do to be in the interest, letter of or spirit of the CARES Act & forbearance. I will conduct all further engagement with them via USPS mail. In addition, I will not accept any calls from them & will deem any call from them henceforth to be of a harassing nature & will treat as such. You tried calling me twice on XX/XX/XXXX & XXXX. I have no intention of engaging on phone after what happened with XXXX XXXX ever again. XXXX/Loancare, you want something or have questions ; put it in writing & mail it. You've got my mailing address. I will also forward a copy of this to my attorney. I will also contact the Federal & State authorities about this matter. I have had it with XXXX/Loancare & I'm not going to tolerate this XXXX from you. While I have every intention of paying my debt I did not agree to nor will I put up with this. I went thru all the abuse with XXXX XXXX. I'm not going there again!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a fraud alert on my credit report and creditors were still able to obtain my credit report on item I have not applied for. 

XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX XXXX
Product: Debt collection

Information being reported to credit bureaus and attempting to collect debt without a HIPAA release of information form for my medical records from myself. They are violating federal law with out this form. I contacted them about it and then they attempted to get me to sign a release of information form after they have already received the collection account.
Product: Checking or savings account

I am a TD bank customer. Account # XXXX got XXXX  on XX/XX/2022. My debit card was used from XX/XX/XXXX to XX/XX/XXXX. I didnt get out of XXXX  until XX/XX/XXXX. The person put me in the negative over {$800.00}. The claim itself was over XXXX XXXX of transactions. I supplied TD bank with a police report, paperwork stating I was in fact in XXXX and they still denied my claim. I guess the person new my pin. It was my at the time boyfriend who I have broken up with and filed charges on. I still want my money back. All he got was XXXX  with no restitution.
Product: Mortgage

Rushmore Loan took over servicing of my mortgage and discriminated against me. They refused to honor previous modifications they refused to verify the debt claiming I did not owe it because it was discharged in bankruptcy, Affirmations verifying the debt were inaccurate according to their own filed documents. When I called about the modifications that they were supposed to honor they claimed they were not valid that payments were not received despite the fact the ledger from the previous servicer listed them. They claimed they needed my copies of payments which I sent only to have their employee tell me they did not have to honor it and that if I wanted to keep my home I should learn to pay my bills.

They have recorded the 3 payments for the first modification and 2 payments for the 2nd modification and a letter stating an agreement for a modification from XXXX. The modification payments were never applied to the loan and when a ledger was requested from Rushmore they sent one so small no one could read it they only sent one I could read after they filed for judgment. They have purposely continually discriminated against me despite the fact that I am more than able to make payments
Product: Credit card or prepaid card

I moved in XXXX of XXXX. As soon as I moved, I updated my address with my employer. My 1099 associated with this card has gone to my new address for the last two years. My prepaid card expired on XXXX. I was told I would receive a new one in the mail. I waited until XXXX to request a new card. At that time I was told the address was updated and the card was sent. I never got it. I called again on XXXX. I was told the exact same thing and given a case number of XXXX. I called back on XXXX and I was told they could not give me any information on my case number because 7-10 business days actually means they can not discuss the matter until 15 calendar days have passed. Today, XXXX, I was told I never called to change the address, even though I have a case number associated with the request. I was also told I can not request any changes of address due to the fact that I do not know the last deposits made. I have no way of accessing that information because my online access expired with the card on XXXX. Therefor I can not get a card mailed to me. 

In the address information of this form, I had to enter the billing address associated with that card. This however is NOT my current billing address.
Product: Vehicle loan or lease

I have been paying my loan on time until one day my payment did not go through which I have noticed too late. I have paid what is due and even a month in advance. Unfortunately, they have put a negative report in may credit report without warning. I would just want them to talk to me so we can try to get this report off my account. I need to buy my brother a car and I will need to have a very good credit score to get him a new XXXX that he wanted with 0 % APR. I'm really desperate. I have been trying to reach them through the number they left in my voice mail, but I was unsuccessful. Please contact me again so we can work things out. These type of report will stay in my account for seven years. Please find it in your heart to let this one slide.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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

XXXX XXXX, XXXX, XXXX XXXX  XXXX account number XXXX,, XXXX XXXX company account number XXXX have not supplied proof under the doctrine of ESTOPPEL by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the debt, nor therefore any such defect, therefore exist.
Product: Mortgage

On XX/XX/2020, following a merger with Chemical Bank, TCF Bank updated mortgage loan information for customers including new loan numbers and the need to reestablish online profiles. XXXX A letter from TCF Bank to customers dated XX/XX/2020 was ambiguous & contradictory about the steps customers were to take next : noting both " if you have authorized automatic direct payments from a savings or checking account from TCF bank or another bank, there is no need to do anything. We will continue to process your payments without interruption ; '' as well as " Any payments you previously scheduled to be paid on or after XX/XX/XXXX will no longer be paid. You need to reschedule the payments after enrolling in the new service. '' To confirm, despite the contradictory information provided by TCF, all customers with recurring/automatic payments were required to reenroll. // Upon reenrolling, customers have two payment schedule options : pay the statement/invoice amount on pay date ( TCF does not offer another date option ) or pay a fixed amount at a fixed interval. After enrolling to pay the invoice amount on each due date and having the subsequent automatic payment fail, I contacted TCF customer service on XX/XX/2020 to determine the cause of the issue. // After a 1 hour 40 minute hold time, I was informed by TCF that their automatic payment functionality did not support invoice amount payments and that the relevant section of the website was not functional. When asked if XXXX had plans to make this clear to their customers, they made no such disclosures available. // When asked how TCF planned to rectify late charges for customers who thought their payments would be made on time due to automatic payment enrollment, TCF noted that customers had an 11 day grace period to rectify their issue on their own but that the failed automatic payments were not TCFs responsibility. // Finally, when questioned about why TCF statements do not reference the 11 day grace period, the customer service representative responded that TCF intentionally omitted those details, " because otherwise people won't pay their mortgages on time. ''
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO CARD SER XXXX