23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We owe a balance on our mortgage of less than {$89000.00}. We have been paying on it for almost 22 years. We are working on a loan modification with Loancare , LLC. They sent us correspondence offering a loan deferment if we had any financial hardship due to the current times. We accepted that and haven't made a payment for approximately 9 months. On XX/XX/XXXX, Loancare sent paperwork that stated " an opportunity to enter into a loan modification trial period plan. '' It showed an incorrect amortization that they had calculated. On XX/XX/XXXX, I called and spoke with XXXX, a team leader who gave me the id XXXX. He stated that he would send an email with the loan modification explanation of the amortization. We never received an email. On XX/XX/XXXX, Loancare called, and I spoke with XXXX and told him I was waiting for an email. He said it was sent on XX/XX/XXXX. He suggested to visit the website and click on COVID19 assistance. I double checked and still no email. I asked to speak with XXXX. XXXX stated he can not put me through to XXXX. I asked to speak with another team leader. XXXX stated that only place he can transfer is to loss mitigation. I was transferred and spoke with XXXX. She said that XXXX can't send an email, because there isn't one. She said to send in a year-to-date paystub and tell them we are not okay with the 480 months of payment. She transferred me to XXXX. XXXX stated she would have someone in underwriting call us. We were on the phone for over two hours at this point. On XX/XX/XXXX, Loancare called ; I didn't answer quick enough, so I called right back. I spoke with XXXX who stated that it was logged that they called and that I hung up. She put in a request for whoever called me to call me back. I stated that we are still waiting for the underwriter to call. On XX/XX/XXXX, we spoke with XXXX and explained again that there was not accurate amortization for the term length of 40 years. He transferred us to a supervisor line and we waited on hold for 45 minutes until it sent us to a voicemail. We left a message explaining what had happened and requesting to have a supervisor call us back. 
We would like to file a complaint against Loancare , LLC stating that they are not following the truth in lending act by not spelling out the terms of an amortized loan showing principal and interest details for a modification. We have followed their process exactly, and they have not returned our phone calls from their underwriting department to help answer. We owe less than {$89000.00} and have an interest proposed of 5.5 % at 480 months. They are proposing the new payment be {$790.00} per month at the same interest rate of 5.5 % which would be them doubling our principal. We have asked how this is possible, and they will not provide the term detail that is producing this high of a workout payment.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX ( XXXX ) has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed individual about whom the report relates according to 15 USC 1681 ( e ) ( b ), And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

I was shocked this afternoon to find inaccurate accounts suddenly appearing on my credit report, and I have no idea how this happened. I check my report regularly, but this time, discrepancies just appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but it wasnt. The errors remained after refreshing, and now Im deeply concerned. Im requesting a thorough review of the documents Ive sent, so I can stop stressing about this issue ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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 XXXXXXXX
Product: Debt collection

I am exercising my right to validate an alleged debt with Credit Control , LLC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX On XX/XX/2021, I mailed via USPS certified letter to Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX. In the letters, I'm REQUESTING they ( Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) provide a DETAILED AND COMPLETE AUDIT TRAIL of their alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into several inaccuracies on my credit report. On multiple occasions, I have disputed the erroneous accounts listed on my report and have requested thorough investigations, but I have yet to receive a satisfactory resolution.

The presence of these incorrect accounts is causing significant damage to my credit file and adversely impacting my financial health and overall quality of life. These issues have resulted in numerous hardships, and despite my continued efforts to rectify them, no corrective action has been taken.

I am now requesting your urgent assistance in conducting a detailed investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to ensure the accuracy of my credit report and to update the information accordingly without further delay.

Please treat this matter with the utmost priority, as restoring the integrity of my credit file is essential for me to regain control of my financial standing. Your prompt action and cooperation in resolving this issue will be greatly appreciated.

Thank you for your attention to this matter, and I look forward to your swift response.
Product: Credit card or prepaid card

Message sent to Barclay Business Card Services : I recently made an error on entering my correct checking account number My XXXX online billing # XXXX The check from my bank was returned and I was charged a {$39.00} fee! It is more than the charge itself! 
You phone agent was very mechanical and non understanding. 
I do not have free money to give away especially now with the COVID-19 situation. 
I do not need a company such as Barclay Business and I will cancel my card! 
Also I will file a report with the consumer Protection Bureau! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX/XXXX/2024
Product: Credit card or prepaid card

While traveling my credit card was locked by Chase bank. I wasnt able to use the card at all, luckily I had one other card ( non-Chase ) with me or else I wouldve been unable to buy food or anything at all. 

Shortly before it being locked I purchased a flatscreen from XXXX. I tried to call chase but was routed endlessly through their answering system and got a message that the offices were closed on the weekend. I was unable to unlock my card all weekend until after I finished travel and returned home. 

When calling on monday, the rep unlocked my card but refused to say what I could do to prevent this from happening in the future. I asked if it was due to travel and he said purchasing a flatscreen was a high risk activity and thats why the auto system locked me out. He was also very rude and condescending, and didnt sound like a domestic US rep. 

A major bank like Chase should have 24/7 support even on weekends, their reps should be US based on the weekdays at least. And I should be able to make normal purchases like TVs for {$300.00} without being locked out. Also, train your reps for a service attitude! The person I spoke to kept interrupting me and couldnt wait to get me off the phone without verifying if he resolved all my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # GLOBAL LENDING SERVICE, Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX, Account name : # XXXX XXXX, Account name # XXXX XXXX XXXX CO XXXX Account name # XXXX XXXX XXXX, Account name # XXXX XXXX XXXX has violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a letter from Credit Collection Services in  XXXX , MA about a debt they claim to have that is suppose to be mine. I reached out to them as soon as I got the letter and sent a debt validation letter where they are required to : Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.  <P/> I also asked for proof of them being licensed in NC where I live and is a requirement for debt collection to be licensed/bonded here in order to try to a collect debt in NC. I only received a letter back with no proof of being licensed, and debt not being validated correctly per the law.
Product: Debt collection

Enhanced Recovery Company put a collection on my credit report preventing me from getting access to credit.

Enhanced Recovery Company placed a collection of {$170.00} with no payment history on my credit report XX/XX/2019. 

Enhanced Recovery Company ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

On XX/XX/XXXX I bought in XXXX Toyota a used car Toyota XXXX XXXX, the purchase was made through a loan ( Toyota XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and I purchase too a XXXX insurer ( XXXX ). 

I adquire a insurance through XXXX policy number : XXXX. 



On XX/XX/XXXX, I suffered a car accident in which I was not guilty. The claim number is XXXX On XX/XX/XXXX, the car was declared total loss and since then I have had multiple problems with both the lender Toyota and the insurer XXXX. 

XXXX declared that the market value of the car was {$10000.00}, but XXXX disccount {$380.00} storage deduction so they only pay {$10000.00}. 

In the XXXX contract agreement appear : " CAR STORAGE AND COVERAGE : We will pay up to a reasonable and customary daily rate fare for the cost of storage of the insured auto in the event of a loss to the insured auto for which coverage is provided under this Part. We will pay no more than {$400.00} total for the cost of storage of the insured auto under the section. '' According with Toyota at the crash day the payoff was {$15000.00} Since the accident day Toyota has not stopped calling me or sending me letters with threats of damaging my credit record unless I pay the remaining balance of the loan, even I sent a email trying to explain the situation but I have never receive any answer or consideration. 

XXXX took more than a month to deliver the payment of the vehicle, according to Toyota 's information the payment was received on XX/XX/XXXX. 

On XX/XX/XXXX, I try to contact UnitedAutoCare, the insurance company that was the original contract agreement but I received the information that the new owner of my contract is XXXX XXXX XXXX XXXX without any notice to its customer. 


Finally I contact XXXX and under its policy only covered a part of the remaining balance of the debt. For them the remaining payoff amount is not the {$15000.00} instead they say that the amount is {$14000.00} and they discount differents items to produce a payment of only {$2800.00} so I should to pay to the lender the difference of the payoff loan for {$1600.00} I visit the web site of XXXX and in the brochure that I attached to this email appear a very interesting example : In the second page " How XXXX works '' give me the reason of my claim, they should to pay the difference the value market and the loan. 


So Im in the middle of the firing line of the companies that use the math in your favor. 


Additionaly I did not receive a pennie for the claim of loss and wage during my excuses work, so I had to arrange between different jobs and charity of my friends. 


I hope someone could give me the orientation to what I can do to finish that issue. 

Thanks
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding an inaccuracy in my credit report. Despite my submitting the dispute, XXXX constantly responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them. For these similar violations, I request that the CFPB take action to ensure XXXX complies with federal laws and provides consumers with the necessary proof of investigations. 
Here are some of the accounts i was investigating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company is XXXX XXXX. The information is all different on each of the XXXX credit bureaus. The payment status and past due amounts are all different.
Product: Debt collection

In XXXX of XXXX, I moved into an XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA. XXXX. Within months I caught my maintenance man, XXXX XXXX coming out of my apt without permission or proper notice. I have him on video vandalizing my vehicles. Police reports, etc. I was assaulted by a neighbor, obtained a CPO in Superior Court, provided it XXXX XXXX XXXX XXXX. they did not give the man notice, instead they continued to harass me. 
They ignored maintenance requests, please during a fire, to call XXXX, when I finally gave notice to vacate in XX/XX/XXXX, they served me a retaliatory eviction two days later. At that time, I had not had a working toilet, shower, washer, dryer? Or dishwasher for 5 months. They had in XX/XX/XXXX overcharged my housing program nearly {$6000.00}. 
As off today, XX/XX/XXXX, I have still not received an accounting of my deposit. Without any communication from XXXX XXXX a nearly $ XXXX debt was added to my credit file on XX/XX/XXXX. With the original debtor names XXXX XXXX XXXX XXXX, immediately dropping my credit score nearly XXXX. This company has NEVER CONTACTED ME, NOT ONCE. I tried contacting them today and was hung up on. 
XXXX XXXX, was notified of my plans to file a civil suit against them for their overcharging of rent, ignoring my maintenance requests, the harassment, and vandalism, and the lack of providing an accounting of my deposit. And once again I believe they are retaliating. 
XXXX XXXX and XXXX did not follow the laws in order to add this collection. 
XXXX XXXX XXXX, claiming to be owed $ XXXX is laughable. As their XXXX unit XXXX XXXX ) does not even exist in the county assessors website 2 ) could not have been inspected as a result XXXX ) made me ill with positive results for XXXX in the drinking water and XXXX XXXX XXXX 
In addition XXXX XXXX XXXX and XXXX XXXX XXXX have blatant committed fraud and theft against a federal housing program, by blatantly and knowingly, with malice, overcharging them $ XXXX month in rent and thousands in fake charges. 
They should be in jail! And the fraud continues here with this unsubstantiated collection they had added to my credit. Never notified me before even doing so!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Equifax IS NOT reporting correct info on my credit history. I am distressed that they have not included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. Add this positive account to my report XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. Add this positive account to my report XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

8. Add this positive account to my report XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


Failing that, these items should be ADD to the report as soon as possible. Please CORRECT this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports duplicate accounts reported by collection agency XXXX XXXX XXXX   XXXX. 
See complaint XXXX. 
XXXX has submitted duplicate accounts admits they are duplicates and refuses to correct the information. 
Please correct information
Product: Debt collection

on XX/XX/2012 XXXX XXXX XXXX XXXX a Paid in Full Letter ... After Obtain This Loan From XXXX Who the Government Shut Down ... XXXX XXXX XXXX, Sold the Note to Stewart Title Company who Title the Home For XXXX originally ... As of This Day, after Paying Funds To XXXX & XXXX  XXXX XXXX ... Stewart Title has harrassed my family..by Phone & Mail ... .attempting to Collect the First original loan of {$62000.00} ... It's Painful to myself a XXXX XXXX  ... Single Father of an XXXX yr old ... XXXX XXXX  XXXX claims Stewart Paid Them {$55000.00} ... .I never knew This until many years Later ... .I 'm not trying to just let these folk take my Retirement Family Home ... I need so real HELP Upon Taken out this Loan, I was Charged Fee 's To cover insurance on Errors Made On this Loan ... So ... This title Company Out to have Wrote this Off ... It's No Error Due To Me or my Family For This Issue or Harassment by Phone and Mail ... It's causing me much Heart ache & Lack of Sleep ... .Thinking Their trying to Rob me out of Money already Been Paid out ... .I Was Never Late And Paid As required ... .Where 's the Already Paid out Money?
Product: Checking or savings account

USAA charged me over {$400.00} in NSF FEES!!! What sense does it make to charge me a FEE for not having enough money to allow a charge ( that the bank DECLINE D ) go through ??? All this unfair and unethical treatment ( which is equal to STEALING from me, and should be illegal ) did was put me DEEPER IN THE HOLE and cause me additional financial hardship.
Product: Money transfer, virtual currency, or money service

I tried to mobile check deposit with chime. I signed my name in the back of the check and took a picture to do mobile deposit. Chime sent an email telling me to endorse the check saying " for deposit for chime only ''. I did that and sent a picture again. They sent an email saying they will not accept the check. I called customer service and they said, " the system rejected it ''. But they could provide me with no other reason. They dont even have a department that can override or do anything about it. XXXX sure many people have experienced this problem.