23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LoanCare, LLC is a mortgage lender who makes loans secured by real estate in New York, including the law requiring it to pay borrowers a minimum of 2% interest on money put in impound escrow accounts. LoanCare appears not to do so, and the complaint claim that the company has violated New York's Unfair Business Practices Act and breached its contracts.1) I kept asking Loancare to remove me from having an escrow account and wanted to pay the property taxes and insurance myself. They refused to comply with my request, stating it was mandated. When asked to show where this is specified, no one provided specifics and my follow-up requests were ignored.My account history shows the following:XX/XX/18 $XXXX Interest on Escrow applied and then deductedXX/XX/18 $XXXX interest on escrow, but it's not applied.I called Loancare stating that the escrow was not paid and asked they correct it and apply interest on escrow towards the principal. Specifically, to NOT place it in escrow, as I was continuously trying to get Loancare to remove me from having an escrow account, so that I can pay the taxes and insurance myself. They did not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit Bureaus are inaccurately reporting my bankruptcy as dismissed. Bankruptcy was Discharged in XX/XX/2012, Credit Bureaus have said that the Bankruptcy court told them my case was dismissed. Bankruptcy Court told me they did not talk to the Credit Bureaus
Product: Credit reporting or other personal consumer reports

I have XXXX collections on my report that should no longer appear as per the recently passed law regarding medical collections no longer appearing on credit reports. It appears on my XXXX as well as XXXX. I also have a collection account that I have fully paid off that is still showing on my report. I requested it be removed months ago and no changes have been made. The collection name is " XXXX XXXX '' I will post it last. 

XXXXXXXX XXXX XXXX XXXXXXXX Name XXXX XXXX  XXXX Date Assigned XXXX XXXX, XXXX XXXX XXXX, XXXX Original Balance {$660.00} {$660.00} Current Balance {$730.00} {$730.00} Responsibility Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Placed for collection Original Lender XXXX XXXX XXXX Share XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Share Agency Name XXXX XXXX XXXX XXXX XXXX  Date Assigned XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Original Balance {$1000.00} {$1000.00} {$1000.00} Current Balance {$0.00} {$0.00} Responsibility Individual Individual Individual Status Paid Payment after charge off/collection Paid account/was a collection account , insurance claim or government claim or was terminated for default Comments Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Account Previously In Dispute - Now Resolved - Reported By Subscriber
Product: Debt collection

My medical bill from XXXX XXXX dated XX/XX/2018 was written off through XXXX both from the hospital and the attending physicians. The original credit XXXX XXXX XXXX also wrote off this bill to XXXX and they sent an email on XXXX to ARS telling them that the debt is not owed and to remove the debt from my credit reports. ARS continued and continues to report this debt as VERIFIED AND ACCURATE AND CONTINUES TO REPORT FALSE INFO TO THE CREDIT BUREAUS. I have disputed this account many time and they continue to cause me great emotional harm and financial harm. I am now seeking attorney advise on possible lawsuit. I do not owe this debt and it should have been deleted already
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate items on my credit report and reporting identity theft involving the unauthorized use of my Social Security number, which violates federal laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Under XXXX XXXX. XXXX ( b ), credit reporting agencies must ensure maximum accuracy in consumer reports. The following fraudulent accounts, inquiries, and public records must be removed immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I request expedited removal of this fraudulent information. The misuse of my Social Security number also violates 15 U.S.C. 1692e, which prohibits false representation.

Additionally, under 15 U.S.C. 1681s-2, furnishers must report accurate data and conduct proper investigations. I demand a full review under 15 U.S.C. 1681i, with the removal of unverifiable or inaccurate items.

Failure to act promptly may lead to legal action to enforce my rights under the FCRA and FDCPA. I have attached supporting documentation and request confirmation of your investigation within 30 days. 

Thank you for your attention to this matter. 

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

According to 605B, this account should be removed promptly. It's bothering me on my credit report, and it's not even my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these very accounts last month however the 3 major credit bureaus have ignored my request for physical valid certified documentation in support of their reporting efforts. These accounts have been placed upon me and my report fraudulently and I'm demanding that they be removed immediately. I would like your reporting agencies to provide me with the Method Of Verification used in this process., and/ or remove this accounts as of my consumer rights. 

1 ) XXXX {$870.00} 2 ) XXXX XXXX XXXX {$1200.00} XXXX ) XXXX XXXX XXXX 4 ) XXXX/ XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX  XXXX XXXX 8 ) XXXX XXXX 9 )  XXXX/ XXXX Please block the above accounts.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

To whom it may concern, I recently checked my account and noticed PAY PAL has been withdrawing {$44.00} from my account monthly for 3 months listing the charge as " XXXX ''. I contacted them and I informed them I did not authorize these charges and they have not helped me to resolve this. Thank you very much for your time and help in resolving this.
Product: Money transfer, virtual currency, or money service

Good Afternoon, I am respectfully requesting your assistance to recover funds from TransferWise of XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. 

I hold 2 accounts with them a business account and a personal account. 

1. On XXXX XX/XX/2021 I received an email from TransferWise support advising me that an incoming wire for US {$63000.00} was on hold pending additional documentation being sent. I complied immediately and sent the requested documentation. 
2. On XXXX XX/XX/2021 TransferWise support contacted me again requesting invoices for 2 incoming wires for XXXX XXXX XXXX  and XXXX XXXX XXXX. Again, I complied immediately and sent the requested documentation. These wires were returned to my XXXX. 
3. On the XXXX XX/XX/2021 support contacted yet again advising me that my accounts had been suspended. No notice period was given nor any reasons for their actions. 
4. TransferWise support then advised me that returning my account balances could take up to 90 days due to your compliance procedures. 
5. The balances suspended are US {$780000.00} in my business account and US {$2400.00} in my personal account. 

I am extremely frustrated by the fact that you suspended my accounts with zero  warning, which I consider to be totally unprofessional and extremely unethical. 

Most of the funds in my business account were earmarked for my XXXX  and now I find myself in a position whereby I can not fulfill my financial obligations in a timely manner thus affecting my credibility and good standing. 

I have since complained and appealed for a refund and received the below email on XX/XX/2021. 

Hello XXXX XXXX, Weve decided to keep your TransferWise account closed. 

Because you still have money in your TransferWise balances, we'll work on sending it back to your bank account. But first, we need to carry out due diligence checks. While we do that, your money and information will be safe and secure. 

This can take up to 60 working days. Please get in touch with us after that time so we could give you an update about the money held in your balances. We wont be able to provide any info on this in the meantime. 

Unfortunately, we cant tell you the specific reason why weve closed your account its because of how were regulated. But you can read our Terms of Use, where we explain how were allowed to close accounts. 

Thanks, The TransferWise Team I have a full set of emails from TransferWise should you require these. 

I have grave concerns about the way this organisation is conducting their business activities and how they can treat consumers in this way. 

I really do need your assistance with this matter. 

XXXX, XXXX
Product: Debt collection

Called my XXXX on XX/XX/2022 about my loan he said the I had owed them money from a loan that I had with them also they are calling all hours and the payment is not going to the principal just to the products
Product: Credit reporting or other personal consumer reports

After carefully investigating the company, XXXX XXXX XXXX XXXX, This company is not even licensed to collect in the state that I live in Georgia.

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ).

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Georgia Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.

Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I have changed my email address to XXXX and number is XXXX. I am having trouble getting Credit Karma to update my account information so I am able to login.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

someone has been using my ssn to apply for credit its over 20 hard inquiries on my credit i noticed none of which i did
Product: Debt collection

Lvnv funding is claiming I owe them money and it's on my credit report. I've asked for the original documents that were signed and have not gotten a response back. This debt does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this credit reporting agency request for change in my personal information along with disputes and verification request About in for incorrect information that is posted to my credit with file. I've sent them multiple disputes about inquiries and charged off accounts. On a few occasions they have updated information but giving me no proof or verification as to how They gained that information and who they gained it from. 

They have shared my report without my consent and at least one case they have placed a security freeze on my account without my consent. 

On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent certified affidavits disputing information on my credit report and requested Verification and information on who and how the verification was done. All Requests were signed and dated in front of a Notary Public. 

Almost every time i sent letters it took over 30 days for a response. 
I also sent multiple requests over the past one year and 6 months requesting this information be corrected and verified that was not sent first class mail. 
They Have Allowed XXXX XXXX, and XXXX XXXX XXXX, to Post incorrect And unverified information on my credit report for over 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter of dispute to Experian Consumer Assistance Center in XXXX, Tx disputing items on my credit, after calling Experian to dispute inaccurate items on my credit file by phone and being told that I could not make a dispute by phone because my credit file is being handled by one person. I stated I wanted my file in the regular department as any other consumer calling in. I was told because I filed a complaint with the XXXX XXXX XXXX regarding Experian very poor service, my credit file is now being handled by only one specific person. And that if the one specific person is not available, then I can not dispute any inaccuracies on my credit report. This person name XXXX XXXX, calls by blocking his number, and leaves a message saying he is with Experian and when I call Experian again, this person is not available for me to dispute inaccuracies on my credit report. I never did receive any notification from Experian regarding the letter I mailed regarding disputes on my credit file. My rights according to the Fair Credit Reporting Act, is being violated. I have the right to be able to call in and speak to any representative in the dispute department at Experian and dispute inaccuracies on my credit report and Experian is refusing me this right. My Federal right is being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see hard inquiry in TransUnion Credit report from XXXX XXXX  dates XXXX XXXXXXXX XXXX I contacted XXXX XXXX and they confirmed that there was no application or account with my name or SSN. 
I contacted TransUnion and they told me to file a complaint here.
Product: Debt collection

Portfolio recovery calls all the time I have no debt other than a student loan which is taken care of via XXXX. They called on XXXX XXXX never leave a message and I am ill as is my mother these calls are disruptive and they threaten legal action that day if you dot call back.
Product: Debt collection

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Product: Credit card

I submitted a dispute over a fraudulent charge via the phone. There was no place to do it online the person says that they submitted the dispute, gave me the credit because the charge was fraud. I ended up canceling the card because they do not have good buyer protection whatsoever and what a headache. It was just a dispute a fraudulent charge. Well, the person lied to me over the phone never even disputed the charge and was making anti-Semitic remarks. This company needs to be shut down.
Product: Credit reporting or other personal consumer reports

I filed a with XXXX XXXX asking for 1st date of delinquency and they were unable to provide this information to me. This is for credit reporting purpose. My account # XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REMEMBER : the account name and account number goes in the parentheses. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX Account # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, HARVARD COLLECTION SERV add a derogatory mark on my credit report per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA HARVARD COLLECTION SERV has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.
Product: Student loan

I have been a customer ( in goid standing ) with Navient. On XX/XX/XXXX I was suddenly diagnosed with XXXX XXXX XXXX XXXX I immediately contacted them to see how to defer my loans. I was told I couldn't but could request a medical forbearance. I sent them the XXXX XXXX XXXX form. They refused it, saying I needed to use their form. This would require me to download, print, go back to the doctor to complete then upload. The site was not user friendly, and I was in the hospital. I emailed them to ask that they accept the Federal form and they refused. Basically said too bad. I kept in touch and let them know I was being considered for SSID and once that went through ( it was being expedited ) I would pay my bill. They started threatening calls, emails. They even called family members, and my aunts ex husband whom hasn't been in our family for 30 years! Now they are threatening credit reporting- all while I am in treatment fighting for my life. AND my arrears are only {$300.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making my mortgage payment online and have never delayed my payment. However, in XXXX my mortgage processer " fifth third bank ' notified the credit agencies that my XXXX and XXXX payments were late, They did it the same again in XXXX XXXX and XXXX. In both instances, I was traveling overseas for over six months and I had no knowledge of the change in escrow on my mortgage, which apparently increased my payment without my knowledge. I have subscribed for the online statement with Fifth Third Bank, yet in no time did Fifth third bank Notify me of new payment in email as a result of the change in escrow. I tried to log in to Bank 's website while overseas but I was frozen out of my account. Despite that, I had paid my total mortgage payment for those two months in both instances through online banking payment on time, minus the escrow difference. In addition, In XXXX, I was stuck overseas from XXXX to XXXX XXXX due to covid. Since I returned to the US in the first week of XXXX and discovered these discrepancies while checking my credit on XXXX XXXX, I made several attempts to call the Fifth third bank to resolve the matter but they are giving me a cold shoulder. My question to CFPB is, should I be penalized despite making my payment on time? Why should I be penalized when the bank failed to notify me and didn't allow me their web access that would have allowed me to see new payment after escrow changes?