23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received a letter from portfolio recovery stating it is a response to a related complaint? really? sure its a response, BUT IT IS NOT VALID!!! PORTFOLIO HAS NOT ADDRESSED ONE ISSUE WITH CLARITY!! BECAUSE THEY CANT! THEY ARE CRIMINAL SCAMMERS AND I KNOW THIER GAME AND IM GOING TO EXPOSE IT RIGHT NOW!!! Portfolio is using tactics of deception, dishonesty, extortion, and defamation to collect an amount that was never owed to them they bought this information for pennies on the dollar. this is n't even a debt it is just some numbers that has already been discharged by the bank to my treasury direct account. it 's only a statement and it 's not a bill!!! there is a gross gross difference between the two words, if portfolio can send me a TRUE BILL AND CONTRACT which they ca n't because they know they ca n't!!! they must get out of my life because they are professional scammers and they rip people off and deceive people to steal their money which was never OWED!!!! on one letter is says " this is not an attempt to collect ''? really? then why are you using methode OF EXTORTION ON MY CREDIT REPORT?? YOU PEOPLE ARE SUCH XXXX LIARS!!! LIARS LIARS LIARS AND LIARS!!!!!!!!!!!!!!! PROVE TO ME A CONTRACT SHOWING MY OBLIGATION [ S ], AND HOW WILL YOU RESPOND AGAIN BY SENDING ME A LETTER SHOWING ME SOME NUMBERS THAT WAS ALREADY PAID?? ALL BANKS DISCHARGE AND CHARGE OFF DEBTS THROUGH EVERYONES TRUST ACCOUNT,!!!! THE UNITED STATES TREASURY PAYS THEM!! AND XXXX LIKE PORTFOLIO RECOVERY BUYS THE INFORMATION FOR PENNIES ON THE DOLLAR AND TRIES TO COLLECT THE FULL AMOUNT BY METHODS OF DEFAMATION AND SMEARING YOUR CREDIT REPORT!!! THIS IS THE XXXX XXXX WE ARE DEALING WITH HERE, MY NEXT COMPLAINT WILL BE A LEGAL NOTICE INTENTION TO SUE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is providing false consumer information about me to its subscribers. 

I have been trying to get them to remove this false information for years yet they refuse to and keep coming up with bogus excuses on why they can not remove it. 

I have provided them all of the documents they claim they need to " verify '' my identity but somehow its never enough. 

My family members, including my ex wife who I have not spoken to in 4 years, are being harassed because of the false information LexisNexis is providing. 

The email address XXXX needs to be removed from my profile today and any subscriber who received this info needs to be contacted and made aware this is not a valid email address for me. 

It was used by and ID thief years to attempt to open loans in my and my ex wife name. 

I have attached screen shots of the complaint I filed directly with them over a year ago which show I sent them copies of my passport, drivers license, birth certificate, and even my covid vaccine card. 

They have more than enough information from me to remove this false information. 

my complaint number with them is XXXX
Product: Credit card

I am filing this formal complaint against Comenity Bank concerning the closure of my AAA credit card account and the banks refusal to reopen it, despite my compliance with their security procedures. 

Details of the Complaint : Account Closure : Comenity Bank abruptly closed my AAA credit card account without proper explanation. 
Security Verification : I contacted Comenity Bank to resolve the issue and was required to answer security questions, which I answered correctly. However, even after verifying my identity through their required process, the bank has refused to reopen my account or provide any clear reason for their refusal.

Lack of Resolution : I have made multiple attempts to resolve this situation, but Comenity Bank continues to deny reopening the account without offering a legitimate reason or solution. This has caused me significant inconvenience and disrupted my financial management.

I believe that Comenity Banks actions are unjustified, and I request a full investigation into this matter. I would like the bank to either reopen my account or provide a clear and valid explanation for its closure.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is no need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting angencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protective security and confidentiality of these customers ' nonpublic personal information. '' ( Furnisher of Information to credit agencies ) is a financial instruction by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of whom it relates. '' ( Furnisher of the information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have the my consent to furnish they information and the surely do not have my consent. Any and all consent to Equifax, XXXX ( Furnisher of information to credit to credit agencies ) whether be verbal, non verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing the following items of information Any other adverse items information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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 accurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under section XXXX of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out any time. " I am opting out of your reporting services. ''
Product: Bank account or service

Chase has a bonus code promotion for opening new accounts that they did not honour for a reason NOT stated in the Terms and Conditions. I set an appointment to make the process easy and be certain that there would be no complications but a day after opening the account, the sales representative phoned to say that they could not honour the code due to a charge off from 2001. This exception is NOT in the terms, nor was it brought to my attention before the sales rep. and manager setup the account. This is not acceptable and sounds like Chase will do anything to get direct deposit accounts without approving the bonus codes they send out in email blasts - after the fact. Again, I was told ahead of time that there would be no problem. I am XXXX and mobility is a major complication for me so I try to setup appointments ahead to avoid exactly this situation. Had they told me initially that the offer was conditional on prior accounts, I would have gone to a different bank to use their bonus code. He had plenty of time to call and let me know ahead of our scheduled appointment given that he had to go through all of my documents to have the account ready for my signature when I arrived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this entry with both the credit bureaus and LJ Ross Associates alike. In my letter dated XX/XX/2018, I specifically disputed the inaccuracy of this account with LJ Ross. I never entered into a contractual agreement with this company whereby I would have had terms of 1 month with them. Additionally, due to this entry not being a data factoring account, there should be no payment history attached. Why would only 2 months of payment history be reported? LJ Ross never responded to my request and therefore did not substantiate the validity of the data they reporting negligently. To that end, this entry must be deleted immediately from my credit reports.
Product: Mortgage

NewRez Mortgage Servicing Co. are not paying my county real estate taxes. I have been working with them all of XXXX and still do not have my taxes paid from XXXX XXXX. I understand this company has some serious problems with many other people. I have called them everyday starting on XX/XX/XXXX when I received my Delinquent tax bill. I faxed them 2 copies of the tax bill. My mortgage is paid up. They have taken my money for taxes, put it in an escrow account and not paid the taxes. Their associates don't know what to do, 90 % of the time. I have contracted them at least 30 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors Ally Finical, XXXX, XXXX XXXX and others havent been any help.
Product: Debt collection

XX/XX/2020 I obtain copies of my credit report. I noticed two different accounts that Portfolio Recovery Associates, LLC had one account in collections for {$1000.00} also another account for {$520.00}. I sent a certified verification letters by mail and never received any information to verify that these debts belong to me. I'm in dismay about the way this company will have me in collections that effect my credit worthiness and not verify if these debts are owed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted Experian several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Debt collection

Select Portfolio Servicing has not given me proper credit for payments on my mortgage for the XX/XX/XXXX and XX/XX/XXXX.I sent in {$4100.00} on both these dates to make up for past due payments that I missed. For the past 3 years I have been consistently making payments. My wife has several health issues and I have to spend money for doctor bills and medication. My wife suffered a XXXX and I have tried to explain this to the company. Even though I have been making payments for the past 3 years, Select Portfolio has used aggressive threatening and aggressive tactics to force me to pay more money than I owe. I am attaching the letters from XX/XX/XXXX and XX/XX/XXXX that reflect this. For the past 3 years I have consistently been making payments. Select Portfolio is now threatening to foreclose and sent back a payment I sent in XX/XX/XXXX.I am including the letters which show inconsistent amounts on the principle such as recent statements the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.I also am including an updated payment history dated XX/XX/XXXX.I have included letters from XX/XX/XXXX and XX/XX/XXXX.Something needs to be done to end the illegal practices, the threatening letters and robo calls by these debt collectors.
Product: Mortgage

My name is XXXX XXXX, I'm requesting to have my Loan Modification reviewed for accuracy. 
-XX/XX/XXXX- I contacted my lender Pacific Union to advise of my unemployment hardship. At the time I was current and told I would have to let my account go past due in order to receive assistance. 

XXXX XXXX, XXXX, I received a Financial Package to complete. 

-XX/XX/XXXX- I completed The Request for Mortgage Assistance Application.

-XX/XX/XXXX- I received a letter explaining the Forbearance schedule. I made 3 payments dated XX/XX/XXXX - XX/XX/XXXX. 

After my payments were complete, I called to see what the next steps were. I was told someone would contact me, I contacted the servicer several times due to fear of losing my home. I was told that Pacific Union was closing and my loan would be transferred to Mr. Cooper home loans. 

XX/XX/XXXX- Mr. Cooper acquired my loan From the time my loan was transferred I called several times to get an update, months went by and still no progress was made on my modification request. I was told it's being worked on. 

-XX/XX/XXXX- I finally signed my Modification documents I waited almost a year under distress not knowing if my home would go into foreclosure. I did not receive any type of communication or updates on the status of my modification. 

XX/XX/XXXX- I called in to try to refinance my home to get my rate lowered. Due to the Modification my rate was raise to 5 %. 
I was told I had a {$67000.00} balance from my modification. I was in disbelief what started as {$5000.00} of arrears ends as {$67000.00}. I was never informed of the {$67000.00} balance. 

The process started in XX/XX/XXXX, I was stuck in a waiting period as my loan was transferred and sorted out from the previous lender. 

On XX/XX/XXXX - It took so long that Mr. Cooper sent me a letter apologizing for how long the Modification took with a check of {$500.00}. 

It took over a year for my modification to be finalized due to things that were not in my control and I'm being penalized with a large balance because of it. 

I attempted to upload the
Product: Credit reporting or other personal consumer reports

Dear Equifax Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

Waiting.
Product: Credit reporting or other personal consumer reports

As a borrower of student loans to finance my education, I entrusted Mohela to manage my consolidated accounts to streamline the repayment process. Unfortunately, they have not done a great job at accurately reporting information to the credit bureaus. On XX/XX/XXXX, I received notification XXXX that " MOHELA/DEPT OF ED has flagged your account as Not Paying Off Your Balance and Can not be Located ''. Mohela 's error resulted in a staggering decrease of XXXX points. For starters, none of my contact information has changed since I consolidated my loans back in XX/XX/XXXX. Another thing, is that my account isn't due for repayment until XX/XX/XXXX, per the loan agreement, so how can they flag my account as not paying off balance when I haven't even entered the repayment period? Let alone them being unable to locate me, when I have prooof of correspondence in the form of emails/phone calls/mail from them prior to the inaccurate reportings...? 

I reached out to Mohela that same day ( XX/XX/XXXX ) and was on hold for more than XXXX hours-switching between representatives-until finally the call disconnected and I was unable to get back through as it was after hours at by that point. So the following business day ( Mon XX/XX/XXXX ), after more than XXXX I was able to speak with a supervisor who assured me she would take care of the issue. Now it's been 45 days and the issue has yet to be corrected. I need assistance ASAP, because apparently Mohela is quick to causes damage, yet slow to repair it...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Debt collection

I have been contacting all 3 credit bureaus reporting agencies trying to get validation and proof of this medical collection debt. I have started this process verifying this debt since the summer of XXXX, XX/XX/XXXX ( I have been submitting letters of method debt validation, requesting proof etc. every 90 days to allow them time to no avail ) as I maintain health insurance with my employer and shocked I received this on my credit profile. Every communication from the 3 credit bureaus have only mentioned verified and never provided the source or their method of verification ( which is unacceptable ) I have constantly disputed this with the agencies as they have not provided substantial details of method of verification. 
I then decided to contact the collection agency to possibly get some clarity and validation. I sent a letter priority mail XX/XX/XXXX to ARS requesting proof of this medical debt. I requested to get proof of signature that I stated it was okay to release my information to collect medical debt and proof that I authorize this.

I work for an employer where health insurance is provided and maintain. ARS sends me a letter saying I know they represent physicians NO I do not know this and I need proof from the medical facility and doctors that I agreed to this. 
This is in violation and I would like this removed from all 3 credit bureaus reporting agencies.
Product: Credit card

My payments on this account have always been punctual, and I've never allowed them to be overdue. I'm unsure why there are reports of late payments on my accounts. Per 15 USC 1666b, the billing error should be rectified.
Product: Credit reporting or other personal consumer reports

Capital One credit card will not delete a closed account from my credit report on all bureaus even after it is 7 years and two months in age, and they did not uphold their XXXX insurance agreement after I became permanently XXXX. I had been cleared by their collection agency case manager in XX/XX/2019, and told I no longer was being pursued legally, nor was I responsible for this debt of XXXX due to me being totally and permanently XXXX from injuries sustained in XXXX XXXX, and the XXXX insurance. My report even shows the account was closed XX/XX/2019, however, it shows a last payment date of XX/XX/2019. So those dates are very wrong as well. I have been disputing this for years now to get this negative account deleted to no avail. This is severely impacting my credit negatively, and is unfair. Can someone please investigate this matter as I would like to avoid unnecessary future legal fees.