23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX was my mortgage holder. LoanCare Inc. was/is my mortgage service company. LoanCare Inc. purchased my loan from XXXX XXXX XXXX. 

When the purchase was made LoanCare Inc. failed to make the autodraft withdrawal on XX/XX/XXXX as it had done for the last 9 months. I tried to call its customer care line to discuss the issue. I wanted to ensure that a payment was made before XX/XX/XXXX so that no late fee would be given. I was concerned for this issue because countless XXXX/XXXX  complaints stated this was LoanCare 's  modus operandi. 

When I called LoanCare 's telephone number I learned that I had no means to speak to an actual operator. Telephone service would just loop you back around to a worthless computer system. I spent 10 minutes to try to reach a real person but to no avail. 

On XX/XX/XXXX I self-remedied the situation by send a one-time mortgage payment through its computer system. I then canceled my auto draft option to ensure that another auto draft payment would not occur. It did this ensure that a double payment would not be made. I took a screen shot of my cancellation to document it so that LoanCare could not deny that it was done. 

On XX/XX/XXXX LoanCare ignored my canceled auto draft order and withdrew a second mortgage payment. I spoke to my bank when this occurred. I gave them the proof to my canceled LoanCare autodraft order. I told XXXX XXXX to reverse this second autodraft. I then emailed LoanCare to tell them what I did. I directed them to contact XXXX XXXX to facilitate the correction of its mistake. 

On XX/XX/XXXX the second mortgage payment was reversed. Yet, LoanCare charged me a {$25.00} fee/fine saying that my second withdrawal " bounced. '' This fact is not true. 

On XX/XX/XXXX I emailed LoanCare to give notice to its mistake and to withdraw its levied fine. 

On XX/XX/XXXX XXXX automatically withdrew my mortgage payment even though I had canceled my autodraft payment. This last event is more petty than its earlier behavior because I had intended to make my payment anyway. Yet, it is still an unauthorized withdrawal and it shows LoanCare 's brazen pattern of malfeasance toward its customers. 

In sum, I deem LoanCare 's continuous flouting of federal and state laws to be analogous to a criminal cartel that believes that its activities are beyond the law 's reach. In today 's dark times ( Covid-19 ) LoanCare consistently demonstrates that it doesn't care about American citizens. LoanCare 's only goal is to take money from us by legal and illegal means.
Product: Credit card or prepaid card

On XX/XX/2020, I received a message in my email from XXXX XXXX, that Commenity Bank had closed my XXXX Visa Card. There was no prior notice. 

This card had a {$0.00} balance for almost 3 years. This was oe of my oldest acccounts, almost 7 1/2 years, and payments, when there was a blalnce, were paid on time. 

When I tried to inquire as to why the account was closed, I received a voice mail that said " if I was calling because Commenity had closed the account, there was nothing that could be done. I would have to reapply. '' Why? 

This action has lower my credit score through no fault of my own. I am consciously trying to build my credit score, and these banks in response either cut my credit limits by the amounts I pay the card down or they close out the cards. 

I feel as if this is done purposely to justify higher interest rates. 
Thank you.
Product: Debt collection

IC System, Inc. is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX Account # XXXX ) The account was opened in the state of Georgia. I live in California. I have never lived outside of California nor have I ever cosigned for anyone to open an account. 
The said action appears on my credit report. At this point, it is preventing me from refinancing my home. I have disputed the action with XXXX, IC System and XXXX Neither XXXX nor ICS has provided me with documentation of the said account, nor the names of the account holders. I am requesting this account be removed from my credit report. The total debt is {$1100.00}. I have been advised by 2 different Mortgage companies ( XXXX and XXXX ) to pay the balance so we could resume the refinance process. It feels like big business extortion to me.
Product: Debt collection

V ALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HA VE V ALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. 
Thank you for immediately cooperation. 
XXXX XXXX
Product: Debt collection

Debt was defaulted in XX/XX/XXXX. Discover continues to fraudulently report that I made payments until XX/XX/XXXX, thereby re-aging the accounts and keeping them on my credit report.
Product: Vehicle loan or lease

Customer Service Department America Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Proof of Funding and Other Documents Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the following documents related to my loan account with America Credit Acceptance : 1. Proof of Funding 2. Notice of Disclosure of Security 3. Currency Transaction Report I initially made this request on XX/XX/year>, and was informed that it would take 7 to 10 days to provide these documents. Unfortunately, I have not yet received the requested information. I understand that providing certain information over the phone may not be possible ; however, I kindly ask that these documents be sent to me in writing at your earliest convenience.

Additionally, I recently received a proof of sale of property document, which I did not authorize. I request an explanation regarding this matter and ask that any actions taken without my explicit approval be rectified immediately. 

Please treat this request with urgency. If I do not receive the requested documents within 10 business days from the date of this letter, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Yours sincerely,
Product: Money transfer, virtual currency, or money service

Someone requested refund and filed a case from PayPal. Me and my friend sold items to her. She had received all the items in XXXX. I have shown PayPal my evidence. But PayPal still closed the case in their favour which is unfair to me. I lost XXXX XXXX Also my friend lost XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and have a address that doesnt belong to me on my file and a bunch of inquiries inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed XXXX XXXX loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and XXXX XXXX. XXXX said I had a XXXX  balance, and I was not attached. All three credit bureaus said that XXXX told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Breach my information last XX/XX/2017. My identity was stole and I have Fraud on my credit report. I check my XXXX XXXX XXXX and found that I have no credit report found ( see attachment ). Equifax refuses and violates the FCRA section 605B by not  blocking my fraudulent accounts. I attached my FTC affidavit and police report but Equifax refuses to accept it and is trying to find an excess to not block these fraudulent accounts. I need the CFPB to set up and put pressure to follow the law. 


Dear Equifax FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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

I HAVE REVIEWED MY CREDIT REPORTS AND I HAVE DISCOVERED THAT SOME UNUSUAL ACTIVITY HAS BEEN TAKEN PLACE THAT I WAS VERY UNAWARE OF. THE ACCOUNTS AND INQUIRIES LISTED ON THE ATTACHED IDENTITY THEFT REPORT, DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM REQUESTING AN INVESTIGATION INTO THIS MATTER AND ALSO A TIMELY REMOVAL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES OFF MY OF MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

This collection account has an OPEN status and that is a violation, because a collection is by default a closed account. Delete this account due to inaccurate reporting. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit card or prepaid card

Dear Professionals, I have this First Bank Credit Card since last year XXXX  and have been using it for a few months now. Starting on XXXX I notice a {$39.00} charge for XXXX XXXX XXXX and XXXX last year. I notified First Bank Credit Card for disputing the charges. After almost XXXX  months now and it has not been resolved and there are XXXX charges in total of ( {$310.00} ) from XX/XX/2022 to XXXX this year and XXXX charges credit it back total of ( {$110.00} ). For some reason, the XX/XX/2022 statement is missing that I can't click on and see if the charges been resolved. I am here to file a complaint because I have been calling and talk to their customer service and they stated that I have to wait until everything to be cleared with the fraud department in order to talk to me. This is the first time that I have this problem with this credit card, it has been XXXX months and there are so many charges and missing XX/XX/2022 statement or charges showing me the disputes. My name is XXXX XXXX, First Bank website is XXXX XXXX XXXX. Their customer service is XXXX. Please help me to escalate this issue and want to clear out this and cancel this card. Thank you. I can be reached at XXXX
Product: Student loan

I am not able to choose the payment date for automatic payments on my student loans, leading to extra XXXX in loan interest during the year. The automatic payments default to the payment due date, and does not allow me to change the date. I am able to make payments before then and loans therefore incur a full month of interest that can be avoided. If I were not signed up for automatic payments, I would make payments early enough where I would incur a fraction of the accrued interest.
Product: Debt collection

This collection agency has taken funds which are EXEMPT I also do not agree with this amount or account and have put in a dispute I do not have record of this account Again the f7bds they have taken are EXEMPT SSI AND STATE FEDERAL FUNDING
Product: Checking or savings account

I file a dispute on XX/XX/XXXX and was informed that I was going to get a provisional credit for transfers that were pulled out of my account from current. And they send me emails about receiving dispute. Current even sent me email informing me that the dispute could ok say longer but a provisional credit will be return if they need more time. They told me that if the 10th day if they need more time. they will credit me. For a total of XXXX they sent me an email after I contact them about my provisional credit. Current closed my account. And I feel that they did that because they aren't following through with the dispute. I have emails and ticket conversation.im not happy with this scam through current.
Product: Debt collection

1 ) About XXXX, 2016 ( when I XXXX became aware of their derogatory report in my Credit File ) I sent a mailed Request to the company [ Midland ] in XXXX XXXX, Calif. to remove the False & Derogatory Report with the ( XXXX ) Credit Bureaus. They Failed/Refused to respond. 

2 ) XXXX XXXX, 2016, I sent a Request to [ all XXXX Credit Bureaus ] to Dispute the False Comment by [ Midland ] and Requesting they Remove it. No Reply to date. 

3 ) XXXX XXXX, 2016, I sent a XXXX complaint on [ Midland ] to Calif. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, XXXX I have communicated with the credit bureaus that these accounts do not belong to my. I have filed an identity theft report and even asked for both the credit bureau and the company reporting it to provide applications, loan agreements or security agreements that were signed by me. They have not provided nothing. The credit bureau then deleted the accounts over a year ago, and most recently they placed the accounts back on my report under a different reporting company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I previously submitted a complaint regarding an Unauthorized Inquiry from Chase Bank on my XXXX  Credit Report via Complaint # XXXX. 

On XX/XX/XXXX, Chase Bank responded to that complaint advising that they sent information to XXXX  to remove this inquiry from appearing on my credit report. However, as of present, XX/XX/XXXX, the inquiry is still appearing on my credit report. XXXX  has stated they haven't received anything to remove the inquiry, I disputed the inquiry, yet chase says it's valid which contradicts the letter that they sent me confirming that they alleged they sent correspondence to XXXX  to have this inquiry removed. 

Please resolve this issue immediately per your letter advising that you requested the inquiry to be removed as per XXXX, they don't have anything from you supporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to XXXX, Transunion and XXXX, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them
Product: Student loan

i Called the number that is on my navient bill and spoke to a gentle man who said that i qualified for a student debt relief program. he said that there was {$600.00} filing fee. i gave him my credit card and social security information and navient account number. he said that he worked for navient.
Product: Credit reporting or other personal consumer reports

My account with the following company was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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.

The following company 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: Student loan

I attended California XXXX XXXX in XXXX. In XXXX, a class action lawsuit named XXXX v XXXX reached a settlement agreement that my student loans would be cancelled and all payments refunded on or before XX/XX/XXXX. To date, nothing has happened. I can't get answers from anyone about this problem. I just want the relief that I am entitled to under the settlement agreement. Navient holds both of my federal student loans and my private student loan. All three loans are for attendance to California XXXX XXXX in San Francisco which is now defunct.