23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SLS Specialized Loan Serving is my mortgage service provider. 

I reached out to them back in XX/XX/XXXX to inform them I was directly effected by the Covid-19. 

They gave me a 6 month forbearance and then I asked for another extension and they gave an additional 3 months which brings my account due for payment XX/XX/XXXX I called to Make my XXXX payment and they mentioned the past balance plus my XXXX payment was due immediately and I explained we are senior citizens on a fixed income and couldnt afford to make that lump payment and asked if the past due balance could be moved to the end of our loan and we were ready to make our one month XX/XX/XXXX payment. 

They mentioned we would need to fill out documentation but to me it looked just like a traditional loan application and we were not told in the beginning that this would be a requirement to get the past amount moved to the end of the loan. 

I asked if we could have another extension that President Biden extended for all people who were effected by the Covid 19 and the rep mentioned they dont know anything about that and he just became President a few weeks ago. 

This is causing more stress on my husband and I we are elderly and we are trying to stay healthy and just want to pay our mortgage and have the balance that we owe put on the end. 

I feel like they arent operating under the Cares Act and need to follow the guidelines Thanks
Product: Debt collection

I received a call from Chapman Financial Services last week XXXX  about a bill from XXXX or XXXX not sure. From XXXX XXXX XXXX XXXX XXXX a local newspaper. I had gone in personally hopping mad because I went on their erroneous website to get a quote for an ad to find a place to rent. The website wouldn't calculate the words so I literally backed out of the ad not giving any credit card or final okay. Didn't think anything of it. Then a bill came to my XXXX XXXX XXXX how sketchy is that. I went into their office and gave them my piece of mind. I got hijacked by a web page they illegitimatly billed me from anyway! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on one of my consumer credit reports in the name of Spring Oaks Capital LLC, which is supposedly a collection account being inaccurately and illegally reported on my XXXX credit report. I have never had any type of account or ever signed any contract with XXXX XXXX XXXX. I have tried disputing this account with the credit bureau directly and no proper investigation has been conducted. This collection agency has no right to report an account on my credit report as they have no original contract, they do not have my wet-ink signature on any agreement for any type of product of service. This violates the Fair Credit Reporting Act and the FDCPA. They have never responded with any documentation I have requested in my disputes, nor have I ever received any correspondence from Spring Oaks Capital LLC. There are multiple violations in the way they have reported the account along with the fact that this is a fraudulent account unbelonging to me, which they have not dismissed in any matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. I am writing to dispute certain inconsistencies and potential Metro 2 violations regarding an account listed on my credit report. 

After recently submitting my 3rd dispute to your agency I see that these following accounts have come back verified when theres nowhere on my consumer report that states when the account was verfied. As a consumer it is my right to know what methods of validation was used to verify these accounts are in fact because these accounts are very much giving fraud and are not mine! If you can not provide the MOV to the below questions I must immediately demand the permanent removal of this/these items from my consumer report!. Your company is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has done nothing to my FTC violations with all the proof giving
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed unauthorized/fraud accounts XXXX XXXX XXXX XXXX in the amount of {$21000.00}. XXXX XXXX in the amount of {$1600.00}. XXXX XXXXXXXX XXXX XXXX in the amount of {$13000.00}. XXXX XXXX XXXX XXXX in the amount of {$10000.00}. Accounts are collection or closed accounts that I do not recognize. I have put a Fraud Alert on all with all credit bureaus. I asked for Method of Verification or deletion from EQUIFAX after the dispute results stated that the account verified it belong to me. It has been past 30days. Please delete unknown account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

I received a notification of XXXX XXXX drop from XXXX XXXX that a collection had been added to my report by Wakefield & Associates. I have never received anything about an outstanding debt and I know that it is not my debt but that of my ex-wifes that occurred after our separation when I legally had to keep her and her son on my insurance and the default occurred after our divorce was final. I attempted to contact Wakefield & Associates and they wanted to charge me money to investigate a collection that should never of been on my report and that I had never signed for or been a part of. There have been no phone calls and no letters directed to me by Wakefield & Associates or the company that is in default XXXX XXXX. I should not have to pay a credit agency to have something that should have never been on my credit report to begin with taken off of my credit. Wakefield & Associates was very aggressive in telling me I had to pay and did not offer to send me proof of this collection being mine. They are not a reputable company and for them to attempt to exploit someone who is not in default or should even be in there records is deplorable.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove all accounts from my report. They are hurting my ability to obtain credit.
Product: Checking or savings account

My saga begin XX/XX/2021 when I innocently open an online account. 
The opening of the account was fairly easy - I receive an email notification, log into my account and as suggested I transfer funds into the account. About a week later I wire more funds into the account. 
A couple of weeks later - when I am outside the US and I can't log into my account. I call TD, after being bounced around - they tell me I need to verify myself personally ( why have an online account you ask - good question ). I explain to them, that I am out of the US and am stuck because of the pandemic. They say no problem. Silly me I believe them. 
Come XXXX I am still out of the US - ( but my physical mail is forwarded ) - I see my account is closed. Why - I don't know. No communication, no email. NOTHING. 
Once again I call customer service and am bounced around. No one seems to know what to do. The folks mean well, but are useless. They said go down to a branch when you get back - they will help you. They also mention the mysterious demarketing department ( like area 51 ) - who I call - but no one ever answers or returns my phone call. 
Fast forward to today XXXX XX/XX/2021 ). I am back in the US - I go down to a local branch ( XXXX XXXX XXXX XXXX NY ). I speak with XXXX. To say they are unhelpful is the understatement - they throw me back to the XXXX number. I press them and they give me a XXXX number to call the demarketing department - ( remember I did call them - they never called back ). I tell him they never returned my call. He says sorry!! 
I sit in the back over 2 hrs on the phone w/customer service. I am tossed around like a sack of potatoes. No one can help. No one can return calls. Is this customer service in our day and age??? 
TD Bank basically stole about $ XXXX from me and I can't figure out how to get it back. 
I have done some research and apparently this is a known problem. 
Please help.
Product: Checking or savings account

I had XXXX deposited they told me I couldn't access any of my money, then told me my account was closed but I still get login and info changed emails daily
Product: Credit reporting or other personal consumer reports

In regard to items, Account number XXXX According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. XXXX, Experian, and XXXX XXXX are consumer reporting agencies 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 the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) a financial institution 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 to whom it relates. ( Furnisher of information to credit agencies ) whether it 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 on 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 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. 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 inaccurate. 15 U.S. Code & 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintain reasonable procedures. Also 12 CFR & 1016.7 states that A consumer may exercise the right to opt out at any time.

I am opting out of your reporting services.
Product: Student loan

I want a payment I can actually afford. I have had my loan for years and been on the income driven repayment plans. Every year the payment goes up to an amount that is difficult to afford. I have had to resort to taking XXXX loans and even cashing in some of my XXXX with the XXXX % penalty to afford the payments. There are now new plans that base repayment on 10 % of income but I am being told that I do not qualify as I am not a new lender although the site that estimates payments show me that I do and shows a payment I can afford. I have repeatedly sent the servicer notes and the never take the time to review the questions and provide a full response. At no point, even after asking, have they indicated they have a true loss mitigation program that would lead to lower interest rates and truly look at debt to income and the actual expenses a borrower has to determine their ability to repay. I do n't understand why student loan servicers are not held to the same standards as mortgage servicers. The payments are so significant that making them could impact the ability to pay a mortgage payment and thus will have the same potential impact of costing someone their home. This servicer and all other student loan servicers need to be forced to develop true loss mitigation and loan modification programs.
Product: Debt collection

I had canceled XXXX  phone/cable/internet and the associate had not completed the transaction. There is record that I had called to cancel and that I switched service providers. I reported the fraudulent charges as they continued to charge me for services without my knowledge. XXXX XXXX reversed the charges and agreed they were considered fraudulent. XXXX then billed me again for the reversed charges. I refused to pay and they sent the bill to collections with Prince Parker. I received a notice from Prince Parker on XX/XX/XXXX via email.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I applied for and received a loan from rise credit for {$1500.00}. Shortly after receiving this loan I noticed the fees/interest/charges that would result in me having to pay the company back over {$3000.00}. I contacted the company to cancel my loan request and for them to take back their funding. 
At this time they scammed and lied to me explaining if I made my payments on time that my pay back amount wouldn't be anywhere near $ XXXX that was " worse case scenario '' if I paid late/missed payments etc. 
This company is PREDATORY LENDING at its finest, in addition their representatives provide false information leading consumers to believe we are actually getting a great deal. 
After making my first payment of {$190.00} every two weeks, I realized what was explained to me was not accurate AT ALL and at this point, it was too late to cancel the loan agreement. I called several times and sent multiple letters attempting to work out a FAIR and reasonable payment arrangement to which I was met with nothing but hostility and refusal. This company scammed me over a {$1500.00} loan and has been reporting to my credit in the amount of {$3600.00} IN ADDITION to this Rise Credit/XXXX XXXX was also trying to double dip and reporting two accounts on my credit report that I NEVER had using the creditor name of XXXX XXXX XXXX XXXX.in the amount of {$2500.00}. This fraudulent account was opened on XX/XX/XXXX conveniently weeks after my account with RISE was closed on XX/XX/XXXX with only a {$20.00} difference in loan amounts I have sent all of this information to RISE/XXXX XXXX XXXX XXXX XXXX XXXX, I did not receive a response, however shortly after XXXX XXXX XXXX XXXX was removed from my credit report as if they knew I was on to them, how long would this have negatively affected my credit had I not caught on to what they were doing. ( See attachment with screen clipping from credit report showing BOTH accounts. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Bad business practices- I made several complaints directly over the past two years with correcting the payment amount, name change after speaking with manager ( s ) directly ; XXXX  legal documents, new ID card, copy of XXXX card, emailed and faxed docs. And, the results are always none of the information was received. The very reason I chose to get away from this company XXXX XXXX The vehicle was PAID IN FULL in XX/XX/XXXX ; XXXX. This company refuses to report the correct information for the payoff. Instead it totally deleted the account from the report, like before in correcting the monthly payment, which was incorrect. Ive called the company many times on this issue ; to reflect the correct balance of the est. $ XXXX + instead of a diff amount of $ XXXX. I called the credit bureaus, it shows there is no record of the company ; business started in XX/XX/XXXX, now its as if the account never existed. PLEASE REPORT THE CORRECT INFORMATION. BOTH NAMES ( XXXX XXXX ) REFLECT WITH TRANSUNION. 

As of XX/XX/XXXX, I called TransUnion and the account was closed/deleted for XXXX, which is still incorrect. Deleted all reporting history from XX/XX/XXXX, as if it never existed on the report. TransUnion advised It does not reflect on the credit report. TransUnion also advised because of this type of status, it will need to be re-added, then another dispute can be filed. The company/XXXX  tells XXXX to wait and there is nothing more they can do and its on Transunion. TransUnion stated it is NOT their issue and it needs to be corrected by XXXX, whoever they are today. - THERE HAVE BEEN MANY NAMES. This company has not provided a paid in full letter, received a XXXX payoff from the dealership. They made attempts to block my number from calling customer service at XXXX and No response from the escalation requests. Outcome : TO CORRECTLY REPORT THIS INFORMATION TO TRANSUNION WITH THE CORRECT BALANCE AS PAID. THIS IS THE ONLY BUREAU THE COMPANY REPORTS. Attaching the XXXX  company response.
Product: Money transfer, virtual currency, or money service

This is a complaint against Zelle for not putting in a policy for money to be returned. They have since changed, however money is lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX : {$16000.00}
Product: Credit card or prepaid card

Hopefully you can restore the value of my gifted  XXXX   XXXX   XXXX  program {$100.00}  XXXX   Visa  gift card back to $  XXXX . I selected this card ( attache d ) a  year or so ago and, like many gift card users, the card was forgotten in a drawer. I found it on  XXXX   XXXX ,  2017  and noticed that it had an expiration date of  XXXX . I noticed on the front of the card that it says Funds do not expire so I called the  XXXX   XXXX  number on  XXXX   XXXX ,    2017  to get a replacement card. The call center advised me that a replacement card would cost $  XXXX  and that the balance on the card was deteriorating at a rate of $  XXXX /month after the  XXXX  date for card maintenanceso my replacement card would now be worth $  XXXX !   Needless to say I was shocked since I received no warning ( no mail, email, phone calls , etc..Im not su re what other maintenance is involved ) that my $  s  were evaporating ( or being stolen  XXXX  ).     Would you please help me get my $  XXXX  restored?     Thanks for your help!
Product: Checking or savings account

IreceivednotificationonXXXXthata $ XXXXunknowntransactionhadbeencarriedoutonmyCashAppcard.Itappearsthatsomeonegainedaccesstomyaccountandtransferredmoneytothemself.Theyattemptedtomakeasecondtransactionof $ XXXXbutwereunableafterIreportedthe $ XXXXasstolen.Thefirsttransactionwasfor $ XXXXandwassuccessful.WhenIcontactedCashAppaboutit, theyadvisedmetofileadispute, whichIdidthesamedayitoccurred.However, onXXXX, Ireceivedwordthattheclaimhadbeenrejected, despitemyassurancesthatIhadnevertransferredmoneytothatindividualandthatIhadnoideawhothe person was. Theyhaven'tbeenhelpfulatallduringthisstressfulsituation, andIdon'tknowwhatelseIcandotoseekhelpgettingmymoneyback itwasforasignificantexpensethatI'mnowseveraldaysoverdueonpaying. There's also other devices logged into my CashApp account that I'm not aware of and I am unable to delete them. I want to shine light on this issue in hopes that it doesn't happen to anyone else because people work too hard for their money just to be scammed for it.
Product: Credit reporting or other personal consumer reports

The inquires & addresses needs to be removed immediately. I can confirm that those inquires were not made by me I would like it removed along with my public records being removed.
Product: Mortgage

Hello, XX/XX/XXXX my mortgage was reinstated from a foreclosure ... and I was told that if I make the payment in full what I owed that my mortgage company would wave all legal fees and reinstate the mortgage, I did so, then I made a regular mortgage payment the next month and everything was fine, then I got a call about a recording fee and I told my mortgage all fee were waved, they said to me since all fee were waved that I have to write a letter asking for this low amount recording fee to be waved also, I did, then later that month my mortgage company contacted me and said I owe a large amount in reinstatement fees, I said over and over again that I was told all fees were waved, they said they would look into it and get back to me { all phone conversations are recorded when my mortgage company calls } I told them talk to the lady I talked to and listen to recording but in the end my mortgage company has tact on what they say I owe on the end of my mortgage this is wrong they told me no fees and they went back on their word, please help