23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am filing this complaint to report multiple ongoing violations by LoanCare LLC relating to the servicing, collection, and handling of my mortgage loan. Despite repeated lawful requests and formal notices, LoanCare has failed to comply with federal servicing regulations and has accepted disputed payments under restrictive endorsement, constituting an accord and satisfaction under UCC 3-311.Below is a timeline of relevant actions : - XX/XX/XXXX I issued a formal Notice of Rescission and Opportunity to Cure citing a bona fide dispute regarding the loan. - XX/XX/XXXX LoanCare received the notice. - XX/XX/XXXX I mailed XXXX # XXXX via XXXX XXXX XXXX  XXXX with a restrictive endorsement stating payment in full accord and satisfaction. - XX/XX/XXXX I mailed XXXX # XXXX ( Check # XXXX ), also under dispute. - XX/XX/XXXX LoanCare received XXXX # XXXX and accepted it. - XX/XX/XXXX I mailed a formal UCC 9-210 Statement of Accounting Request. - XX/XX/XXXX LoanCare received the request. No sufficient response was provided. - XX/XX/XXXX I mailed Payment # 3, again under the accord and satisfaction notice. - Subsequent Payments ( # XXXX ) Made under duress, including Payment # XXXX sent with Check # XXXX on XX/XX/XXXX. - XX/XX/XXXX I mailed a formal Notice of Fault. - Throughout XXXX LoanCare responded only by sending copies of the note, deed of trust, and my payment history. They never validated ownership, chain of title, servicing authority, or responded to the restrictive endorsements. - XX/XX/XXXX I mailed a Qualified Written Request ( QWR ) under RESPA ( 12 U.S.C. 2605 ( e ) ; Reg X ). - XX/XX/XXXX XXXX was received by LoanCare and their registered agent. - XX/XX/XXXX LoanCare responded but failed to address key issues : no complete chain of title, no proof of securitization, no transactional accounting, and no legal justification for servicing or collection. - XX/XX/XXXX I mailed a formal follow-up letter ( Final Demand ), citing continued non-compliance and intent to escalate. - XX/XX/XXXX LoanCare mailed a Notice of Error Acknowledgment stating they would respond in XXXX business days. However, no extension was granted, and my dispute remains unresolved.As of today, LoanCare has : - Failed to validate the debt as required under RESPA - Failed to provide a full accounting or securitization disclosure - Failed to rebut a properly tendered accord and satisfaction - Failed to respond in good faith to repeated, documented disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Collection/Chargeoff Closed on XX/XX/year> {$9100.00}. My information was exposed in a data breach and currently reporting inaccurate last payment dates. I would like to know and receive in black and white how this account was verified and the last date of payment.
Product: Credit reporting or other personal consumer reports

Transunion is supposed to investigate the information of the consumer before the post information on a public record. If an account is not a court record, it is not public record. Therefore, no charge off or collection should ever be on a consumer report without the written consent of the consumer which it concerns. If a consumer reporting agency had done a proper investigation, they would have found NO written consent from the consumer at all. This is now my 3rd time addressing this matter. I need the account for XXXX XXXX removed from my consumer report promptly. This is a notice to go to arbitration next.
Product: Debt collection

I am not liable with this debt with XXXX XXXX. I do not have a contract with Plaza Services. Plaza Services has opened on my credit report as of XX/XX/XXXX and last reported XX/XX/XXXX and have not provided the original contract as requested XX/XX/XXXX. I have been threatened multiple time with contacting 3rd parties and seizing assets. I want my credit report corrected. I demand this account this account that was opened XX/XX/XXXX to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexis has several inaccurate and fraudulent accounts on my credit report. Ill list them below : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX  XXXX XXXX, XXXX XXXX, and several student loans from an address I never lived at. This is influencing the credit bureaus to give me a negative credit rating and I need this removed.
Product: Credit reporting or other personal consumer reports

I did nit authorize these companies to run my credit to place these hard inquiries on my credit and im not getting anything out of it
Product: Vehicle loan or lease

Re Loan number : XXXX I have a perfect relationship with US Bank since 2014. Paying all my bills on time means a lot to me and I am always very on top of it. I recently Leased a new XXXX XXXX with US Bank but I did not receive any statements in the mail due to it being a new account or someone stole the statements out of my mailbox. I also had trouble logging in to view my statements and make payments online. I am currently applying for a mortgage, but the 30 days late reported by your bank is hurting my score very much. In an email exchange with Mr. XXXX XXXX, he confirmed that I was not sent any statements for this loan as it was a new loan and there was some type of system error. ( please see attached ). Therefore I was not aware that a payment was due. Please remove the late mark from my credit report ASAP. Therefore I was not aware that a payment was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate and unverifiable public record information about me on my equifax consumer credit report and file. These unverifiable bankruptcies are listed on my equifax consumer and file as file/docket # : XXXX and file/docket # XXXX XXXX. According to the FCRA, in order for Equifax to furnish these alleged US BANKRUPTCY COURT public records, they would need to be able to both VALIDATED and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, Equifax is violating my federally protected consumer rights. In addition to that violation Equifax is also committing fraud since they claim to have verified this bankruptcy but their sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ) and 15 USC 1681C ( A ). I DID NOT give Equifax neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day Equifax RECEIVES this demand. Should Equifax choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against Equifax.
Product: Debt collection

Portfolio Recovery Associates Breach of Arbitration Clause : Based on information from my credit report, I identified the alleged original creditor. While I am unfamiliar with this account, I discovered through the CFPB database that the creditors agreement includes a binding arbitration clause. 


I am 100 % certain that I have not participated in any arbitration arrangements or mediations regarding this account. 


The debt collector refuses to provide the original contract containing the arbitration clause and has acted in bad faith by initiating collection and reporting activities in violation of the agreement. 

XXXX. 
Failure to Validate Debt ( FDCPA 1692g ( b ) ) : No valid documentation has been provided to establish the debt collectors legal right to collect. Validation requires : The original signed agreement identifying me as the debtor. 


A chain of title proving ownership transfer of the debt. 


Billing statements alone do not constitute lawful validation of a debt. Courts have consistently ruled that debt validation requires contractual evidence showing liability. ( See XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 2001, which holds that a billing statement is insufficient validation as anyone could generate such a document without proving a legal obligation. ) XXXX. 
Lack of Debt Validation Notice ( FDCPA 1692g ( a ) ) : The debt collector failed to issue a validation notice within XXXX days of initial communication, depriving me of my right to dispute the debt. 

XXXX. 
Improper Credit Reporting ( FDCPA 1692g ( b ) & FCRA 1681s-2 ( b ) ) : The debt was reported to credit agencies without proper validation, violating FDCPA and FCRA requirements to ensure accuracy before reporting. 

XXXX. 
Failure to Respond ( Estoppel by Silence ) : The debt collectors failure to respond to lawful requests for validation bars further collection efforts. 







Billing statements are not valid debt validation. Proper validation requires the original signed agreement and proof of assignment, as billing statements can be fabricated using personal information. Without these documents, the debt collector can not prove their legal right to collect. Furthermore, the arbitration clause in the creditors agreement invalidates collection or reporting activities unless arbitration is pursued, which has not occurred, making these actions unlawful. 



Resolution Sought : I request the CFPB to take immediate action to compel the debt collector to provide the required documentation and ensure compliance with all applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I have disputed Jefferson Capital numerous times and I do not believe XXXX is investigating this properly. I demanded to see a debt validation and notice of assignment showing the debt collector was assigned to collect on this. I do not have any knowledge of ever having sprint services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per CarMax, On XX/XX/2020, CarMax and I opted for a financial contract ; per this contract, CarMax took my information and reported to third-party companies, i.e., XXXX, XXXX, and XXXX, without my permission. In this process, I was unaware I could have the option to opt out of having my information report to these third-party agencies, XXXX, XXXX, and XXXX. It has been brought to my attention that I can opt and not have my information reported to the third-party agencies per 15 USC 6802 : Obligations with respect to disclosures of personal information. 



( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

Unexplained Credit Limit Decrease and Its Impact on My Credit Score Details of the Issue : Previous Credit Limit : {$1500.00} New Credit Limit : {$290.00} Date of Change : XX/XX/XXXX Notification Received : I was not even notified about this Plus, the sudden decrease in my credit limit has resulted in an increased credit utilization ratio, which has negatively affected my credit score. Maintaining a healthy credit score is crucial for my financial well-being, and this change has caused XXXX XXXX and potential financial hardship. 

They have shared my credit details with other agencies I feel, I have been getting scam calls about loans and financing which was not the case before getting this credit card. 

Also, I have been asking the customer care about the explanation but they didn't provide any clear explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to car lot they ran my credit SO many times!
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I got a mortgage from XXXX XXXX XXXX XXXX in XXXX Ohio. We applied for a 30 year fixed rate mortgage in the amount of XXXX back in XX/XX/2016 to consolidate some mounting debt. Our home was already paid for and had clean title. So all we wanted to do was get equity out of the home to do that. We were told that they don't offer fixed rate mortgages. We didn't know about fha loans at the time. So we were given a 30 year adjustable rate mortgage. Also we applied recently for a refinance through another lender to get a fixed rate mortgage, just to find out that XXXX XXXX XXXX XXXX isn't reporting the mortgage to all 3 credit bureaus. My husband can't get a credit card because he has no credit on Experian and we have been paying on our mortgage for 3 years now.
Product: Debt collection

Reviewing credit report Southwest credit systems have placed an collections on credit file. Request written verification via certified mail. Company failed to comply according to FCRA guidelines.
Product: Credit card or prepaid card

Im accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX credit card, has violated my rights. 15 U.S.C. 1681 section 602 states that I have the right to privacy. 15 U.S.C. 1681 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B A creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

TodayXX/XX/XXXX I called eqifax 's sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from XXXX XXXX wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. XXXX blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! XXXX clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

no creditor : remove it Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account US DEPT. OF EDUCATIO {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment US DEPT. OF EDUCATIO {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$40000.00} XXXX XXXX {$0.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance on XX/XX/XXXX Loan Amount {$0.00} {$100.00} Payment Info remove : XXXX XXXX XXXX {$14000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment XXXX XXXX XXXX  {$19000.00} Balance updated XX/XX/XXXX 3 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment remove the late payment : XXXX XXXX XXXX XXXX {$9600.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment Paid Off : 29 % XXXX 2 late payments {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving account XXXX {$9600.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice of several laws being broken under FCRA by your company. This has caused financial injuries on my credit report. It has also caused me defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. Under this crisis you have hurt my ability to obtain credit.
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 Account # XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX Accout # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, DP OF EDUC Account XXXX XXXX, DP OF EDUC Account # XXXX, XXXX Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, DP OF EDUC Account # XXXX, DP OF EDUC 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I have reached out to all 3 credit bureaus multiple times to bring to their attention the presence of inaccurate charge-off accounts on my credit report, which are negatively impacting my credit profile and hindering my ability to secure financing for purchasing a home. I believe that these accounts have been improperly furnished onto my credit report, and I am now seeking assistance from the CFPB to rectify this matter. 

Firstly, I want to emphasize that according to the Internal Revenue Service ( IRS ), charge-off accounts are considered ordinary income and cancelled debt. As such, it is crucial that any charge-off accounts reported on my credit profile be accurate and compliant with applicable laws and regulations. However, I have discovered that the following accounts have been inaccurately reported as charge-off accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX Furthermore, I would like to highlight that I have not received a Form 1099-C for any of the aforementioned accounts. The failure to provide a Form 1099-C, as required by U.S. Code 15 U.S.C. 1681eb, is a violation of my rights as a consumer. I firmly believe that the absence of this required documentation further invalidates the accuracy and legitimacy of these charge-off accounts on my credit report. 

In light of these discrepancies and violations, I kindly request that immediate action be taken to investigate and rectify this situation. Specifically, I request that the CFPB promptly assist with removal of the aforementioned accounts from my credit report, as they have been inaccurately reported and are causing significant harm to my creditworthiness. 

Thank you for your cooperation and assistance in resolving this dispute. I look forward to a favorable resolution and the removal of these inaccurate charge-off accounts from my credit report. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Dear Dir/Madam, In XX/XX/year>, PNC bank decided to end the relationship with us. They closed multiple personal accounts and 10 business accounts. In XX/XX/year> they closed the accounts, they mailed us some checks, however the amount we received didn't match with what they owe us. 

Moreover, PNC was also the merchants services in all our business. after they closed the bank account, the merchants was still active for less than a week. since the bank accounts were closed we didn't get the merchants payment for the last week. 

We tried to contact them, and since then no clear answer.
Product: Debt collection

I was contacted this morning, at XXXX on XX/XX/XXXX, 2015 by the number XXXX. The caller claimed I owed a debt to XXXX XXXX University. They confirmed the last 4 digits of my Social Security and my birth date. They declared an address they would be sending information to in Colorado, but I am not a Colorado resident. 

I did not accept any attempt to pay the debt, since I do not currently know what the debt is for. My understanding is that this debt is in error. 

Further, it is my understanding that the caller may have performed an illegal call at XXXX, since this is before XXXX.
Product: Debt collection

SOUTHWEST CREDIT SYSTEM LOCATED AT : XXXX XXXX XXXX XXXX, TXXXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$390.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.