23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX, I had some XXXX work done on time payment and was forwarded a credit card right away from a company called Care Credit to make my payments. Everything was fine for awhile until I started receiving notices and robo telephone calls from Care Credit staff stating my payments were late even though I made my payment through the mail and sometimes on line, If I though I 'd might be late by mail. Sometimes Care Credit would bill me and others times I would not receive a bill. When I inquired as to what happened to my statements for payment, Care credit mentioned that they had sent me an email ( who would sent a bill to a consumer via email and not notified the consumer? Now, they are trying to make me pay late fees and have gone up on my premiums without proper notification. I have notified Care credit that I can not access their computer systems anymore to pay my bills, but that does not seem to fazethem. Meanwhile, I continued to make the same payments I had agreed upon in my original papers ( which is {$160.00} and late fees if I am ever late but this is not enough for Care Credit. I have all of my paid receipts and all correspondence received from Care Credit from XXXX through XXXX, and will be appreciative if you can assist me in any way that you can. Incidentially, a class action suit was filed against Care Credit/GE Capital Retail Bank/now called Synchrony Bank in the U.S. XXXX XXXX for XXXX XXXX XXXX XXXX XXXX California and the final hearing was on XXXX XXXX, XXXX. In reading the transcript ( which is online ), the defendants won this suit for XXXX XXXX dollars and maybe more. Any legal services you can recommend to me will be appreciated. I do need to mentioned to you that I am a retired senior and also a XXXX student, and I need to clean up this matter as soon as possible so I can go on with my education.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permissio
n. 

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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX an inquiry for Wells Fargo Dealer Services was made without my permission or knowledge. I have tried to reach out and handle this issue to no per vale. Last dispute Wells Fargo sent information for a credit card I had and not with proof of approved inquiry for auto loan. Please provide proof of approved inquiry or delete off my credit report immediately.
Product: Debt collection

PROFESSIONAL DEBT MEDIATION is attempting to collect a debt that unverifiable and I do not recognize. I expect a cease and desist and delete all negative information reported on credit bureaus which is unverifiable and hurting my score. I have never business with this company and have no agreements with this Company.
Product: Mortgage

My mortgage servicer, Seterus, Inc has not been able to explain material mis-calculations on my pay-off statement. Most recently, it refused me access to my account information such us the form XXXX. A representative of Seterus ( XXXX ) refused to talk to me and asked me to communicate to my lawyer when there has always been an authorization on file for me to speak with the representatives directly. I asked for the manager ( XXXX ) who XXXX also refused. Seterus, Inc has had a long track record of making errors, for example, my loan modification process was delayed by more than six months because of its internal process error. When I questioned the manager, he threatened me with not giving me the modification. This is a very bad loan servicer who does not care about the XXXX of money they are entrusted by the home owners. Seterus, Inc can easily cost a homeowner XXXX of dollars if it is not watched very carefully.
Product: Credit reporting or other personal consumer reports

Experian failed its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts, unresolved the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experience, alleging, systematic issues, such as failing to forward consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian, has neither corrected nor removed Disputed items. Despite the evidence I provided causing ongoing harm to my credit standing Im requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law, and my rights as a consumer.
Product: Student loan

Sent certified Letters to the credit agencies on 3 different occasions, letting them know that the student loans should have been discharged based on me filing XXXX XXXX Bankruptcy. Netnet is the service provided and I contacted them several times as well to no avail. 

I have filed an Identity Theft report on the FTC which I will attach to this complaint also. 

The total amount of the fraudulent student loans = {$47000.00} I legally changed my name to XXXX XXXX XXXX which will be the name listed in the report below.
Product: Debt collection

The company ( XXXX ) DID NOT threaten me! I chose the best option that contained " credit ''. 

The medical debt owed is for a Date Of Service of XX/XX/XXXX, collection has it dated in its office for XX/XX/XXXX. They can not provide " an original delinquency date ''. 

While XXXX is ignoring credit reporting rules for medical bills, it states '' they send to collections after 45 days in their office '' and " they do not remove from credit, even if paid under the {$500.00} threshold '' The Credit Bureau ( Experian ) is deliberately ignoring it's own rules volunteered XX/XX/XXXX ) which states ( see below ) This bill should not have been reported to my credit report in XX/XX/XXXX. I am in agreement to pay this bill, with its removal as stated by the rules. Credit Bureau is not standing up to its word. 

How many other people are the Credit Bureaus ' doing this to?
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXXXXX XXXX -XXXXPORTFOLIO RECOV ASSOC XXXXXXXX XXXX-XXXXPORTFOLIO RECOV ASSOC XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious XXXX XXXX -XXXXPORTFOLIO RECOV ASSOC XXXXXXXX XXXX-XXXXPORTFOLIO RECOV ASSOC XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

This Company Money Lion is claiming they loan me XXXX. I have never received any monies from this company. I have requested a written sign contract along with my ID and the copy of the check that was sent and cashed. I have not heard from this company since items was requested. I have spoken to my attorney and they agreed i have a case if they do not comply.
Product: Mortgage

We bought our home in XX/XX/XXXX and our first payment was supposed to be due in XX/XX/XXXX.  When the loan was sold to Lakeview Loan Servicing , LLC, we attempted several times to make our XX/XX/XXXX payment. We were told that the payment was moved to XX/XX/XXXX and that no payment was due XX/XX/XXXX. We were hesitant to accept this change as our note stated that the payment was due XX/XX/XXXX. We made calls prior to 5/1 and again on XX/XX/XXXX. All documents received from our new lender, including a mortgage statement dated XX/XX/XXXX, show our payment due date is XX/XX/XXXX. However, on XX/XX/XXXX, my husband received a phone call stating that we were late for our XX/XX/XXXX payment. Apparently this was an error made at some point in purchasing the loan and it was fixed on XX/XX/XXXX. If it was fixed on XX/XX/XXXX, we received nothing in writing regarding this change. Now, 2 weeks after the change, and one week after we are already late, they called demanding payment. We have attempted to request that this mistake be cured and our loan modified but were only told that we need to make 2 mortgage payments within the next 20 days to avoid penalties. My husband spoke with a supervisor yesterday who admitted to having made the mistake and told my husband " it shouldn't be a problem to adjust our payments and add a month to the end of the loan ''. When I spoke to them today, the company was clear in offering no cure to their mistake. The last person I spoke to was XXXX, her ID # XXXX. Any assistance in the matter is appreciated. Thank you
Product: Debt collection

I am getting called daily from XXXX. Caller ID identifies them as Leading Edge Recovery. I have never heard of them and a quick google search identifies them as a shady debt collection agency also going by the names of XXXX XXXX or XXXX XXXX & XXXX. 

I have answer this call several times to ask them to stop calling, but whenever I answer there is no one on the line, just silence
Product: Debt collection

Coerced me to bring credit card current and took a promise to pay and closed my card the day before my payment is posted
Product: Checking or savings account

On XX/XX/XXXX, I put in withdrawal to get money from my XXXX XXXX 401K retirement account. I filled out the paperwork and XXXX XXXX stated the money should be in my Chase checking account within 2-3 business days. When 5 days passed and I did not see the money in the account, I contacted XXXX XXXX and they stated the money had been send via ACH to Chase on XX/XX/XXXX. They stated that I needed to contact Chase because they had the confirmation detail that stated the money was accepted by Chase. When I contacted Chase they stated the money was never send over. We then later realized that the account number on the XXXX XXXX from was missing a digit therefore, Chase went ahead and credited the ACH for {$2800.00} into the incorrect account number despite the Payee information provided. Such as my name, SS Number etc. When we realized what happened, XXXX XXXX submitted a recall request and was unsuccessful because the Owner of the incorrect account withdrew the money out of the account and put the account into nonsufficient funds. XXXX XXXX 's supervisor and I contacted Chase together and let them know that we were trying to recall the money and we were unsuccessful. Chase then asked XXXX XXXX to fill - Reclamation form electronically again. XXXX XXXX did and again, the recall request was again unsuccessful due to nonsufficient funds in the receiving account. XXXX XXXX contacted me and I then contacted Chase again to follow up and speak to someone. Today, XX/XX/XXXX, after over a month of trying to get this resolved, contacting supervisors, Fraud department, ACH departments, etc., they are stating they are sorry but they are under no obligation to verify any account information to ensure they correct account is credited when they receive a ACH and there is absolutely nothing they can or will do. Please help, I find it totally bazaar that Chase hold no responsibility for depositing money in a incorrect account when none of the ACH details ( such as my name, etc. ) match the receiving account. I attached all the document I have. Thank you!
Product: Credit card

I have been trying to update my phone number on the account that I opened but have never used with Affirm and I have submitted all the documents they requested to confirm my identity since I am unable to remember what the phone number is that I opened it with or even when I opened it due to having health issues since doing so and they have escalated the issue twice now but still have not updated my phone number yet.
Product: Credit reporting or other personal consumer reports

Back in XXXX, I noticed my XXXX score came down from XXXX to XXXX in XXXX and XXXX in XXXX. After I investigated the problem, I found out that my XXXX Credit card was canceled for no payments. I checked with my office XXXX here at my clinic and she reported to me she has not seen the XXXX monthly statements for over XXXX months. I called Synchrony Bank about this and they informed me that the bills went out every month. I explained to them we had not received the statements in our office. On a side note, we have also experienced loss mail previously, particularly when we moved our clinic to the new location. I requested a history of my payments and I noticed that according to their records, there were no payments for XXXX and XXXX, but the balance for XXXX was {$52.00}, which we paid {$240.00}. In XXXX the balance was {$900.00}, for which we paid {$59.00}. The total balance between these XXXX months was {$61.00}, for which we paid {$300.00}. In XXXX the balance was {$39.00}, but there was no payment on that month from us, but they had a {$300.00} credit, which they did not apply to the current balance. On XX/XX/XXXX, the balance then was {$100.00}. They had plenty of credit to apply towards the balance. In XXXX there was a {$0.00} balance, but yet we paid {$150.00}, which they said we owed. I am reading this payment history from the report we received from Synchrony Bank. Finally, they canceled my account for non-payment and reported to the credit bureaus that I was late 90 days, which is incorrect. I contacted XXXX and XXXX about this situation. I filed a complaint to have them remove the derogatory information on my credit, which until then was almost a perfect score. I contacted them about their results and all they could say was that they could not delete this information from my records. It was a young lady from XXXX, who suggested contacting your agency because you could be the only one, who could clarify this situation for me and the bureaus so they can delete derogatory information from their records. I hope you can review the merits of my claim and favor my petition. I do not want my perfect credit to be damaged as a result of inefficiencies from the XXXXSynchrony Bank and the Bureaus. I thank you for taking the time to read this rather lengthy complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
1. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 


10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent the collection agency a debt verfication letter and they refuse to get back with me.
Product: Debt collection

on XXXX XXXX, 2017, received a collection letter from Receivables Performance Management , LLC,, trying to collect {$2000.00} for my debt..I did not contact RPM because it was in dispute.. The XXXX Georgia BBB settled {$880.00} on this account because I was charged anyway after I was cancelled..I did not pay the {$2000.00} because I did not know the correct amount or whether the {$880.00} was ever deducted. 

RPM, LLC. XXXX XXXX. XXXX XXXX, XXXX, WA XXXX XXXX Office Hours M-F XXXX ; XXXX XXXX to XXXX XXXX Pacific time Sat - XXXX XXXX to XXXX : XXXX PT Thank you.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$360.00} XX/XX/XXXX XXXX XXXX Balance : {$470.00} XXXX FIN XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian has failed to give me the XXXX partys true method of verification of the investigation. In pursuant to 15usc 1681a ( e ) as stated before the 3rd party organization must provide an individual of the consumer, friend, neighbor or associate who knows information on this XXXX XXXX XXXX XXXX  account. The XXXX partys information on the investigation may not include factual information stated by the law. Since They did not provide this information, I demand you to remove this account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - I already disputed this account and filed a complaint thru FTC last XX/XX/2021 and this account was removed from my credit reports. The said previously disputed account was XXXX XXXX XXXX and was deleted from my credit reports as a fraudulent account. However, when I got my monthly updated credit reports last XX/XX/2021, a new negative account appeared in my reports under the name of XXXX XXXX with the same account number XXXX. So the same XXXX account re-appeared in my reports. I want this to be removed as it is very illegal to add on removed fraud accounts. I have contacted them before to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.