23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX with account number 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 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

I have reached out to XXXX on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised XXXX that the MPN that was provided was not for the University of the loan that they  stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a fraudulent hard inquiry from SYNCB/PAYPAL, was pulled on my XXXX credit report, and I am trying to have it deleted as I did not authorize it.
Product: Money transfer, virtual currency, or money service

I am writing to bring to your attention a concerning incident involving Bank of America. I fell victim to a scam where they sent me a check of {$1700.00} on XX/XX/XXXX. I deposited the check into my 'bank of America XXXX account. The bank has credited the check amount into my account, after that the scammer asked me to send the credited amount via XXXX in 2 transactions of {$840.00} and {$900.00}. After couple of days the bank has put a hold on the deposited check and later the bank has informed me that the deposited check was counterfeit. And the amount sent to the scammer via XXXX  has been deducted from my personal funds. My reason to raise a complaint here is how can the bank credit the amount for a counterfeit check after processing the deposit.
Product: Mortgage

I started a mortgage loan on XX/XX/XXXX with XXXX XXXX. They ended up transferring my loan so Select Portfolio Servicing , Inc . I have been sending {$140.00} extra every month since the beginning to this company. Like all the other banks/mortgage companies that I have ever had I assumed that the extra amount would go directly to the principal balance. Come to find out, this company never applies the additional funds to the principal. They sit on it ( statements show extra payments as UNAPPLIED ) and end up applying it wherever or however they want. If they would have applied the extra payments to the principal my current balance would be at least $ XXXX LESS. Based on my amortization the goal was to pay it off 10 years earlier and save a lot of interest. Not only has my principal balance NOT gone down as I expected but I paid {$1000.00} more in interest for XXXX than what I paid in XXXX, that is what caught my attention. I know that I should have caught this issue from the beginning but it was my husband making the payments and never looked at the statements. It was just recently that I realized what was going when I saw the XXXX showing ALL the interest we paid for XXXX. I find this company 's practice deceiving and a terrible way to make more money off of us.
Product: Money transfer, virtual currency, or money service

I tried to reach venmo customer service and asked them to fix the problem. They informed they will fix the problem and send the link to fix it. They never did it. I have around {$800.00} in venmo XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion are both reporting a balance on an account that was settled several months ago. The account is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX on XXXX of 2021 I was late on my monthly payment due to XXXXXXXX. Me and my wife where both XXXX  during that time and unfortunately we were unable to make the payment. I called XXXX XXXX XXXX to see if they could remove my late payment and the representative that i talked to said they where unable to remove the payment. He said that even if I sent a good faith letter they would not remove it. I pleaded with him and let him know that the payment was missed due to being XXXX XXXX XXXX XXXX. He went on to tell me that if I would have made the payment 2 weeks before hand this wouldn't have happened. I let him know that getting XXXX where not in my plans and that if I forgot about the payment was because I was more worried about getting out of the hospital alive then making sure I made my payments on time. He then went on to make fun of my illness. That's when I asked him if I could speak to his manager. He took down my number and told me that the manager would reach out to me within 24 hours. Its been a week and still no call from the manager. I'm writing this complaint to see if you can remove this late payment from my report since XXXX XXXX XXXX will not do anything even under my circumstances. I hope you can find it in your heart to remove this for me. I would really appreciate it from the bottom of my heart.
Product: Mortgage

This is the second time I am submitting this complaint because it was not resolved the first time. Here is the info again : BSI Financial Services failed to disburse payments from our escrow account and we received a delinquent tax notice stating our real estate taxes hadn't been paid. Upon further investigation it appears that BSI did not disburse payments for taxes. I called BSI this morning ( XX/XX/XXXX ) and after they tried to blame me for the funds not being disbursed, I finally got them to admit fault and submit the payment. I asked for something in writing saying that they failed to disburse the funds on time and that we made all payments to BSI on time so that I could use that to make a dispute with the credit bureaus if this ends up on our credit report. They refused and said there was nothing that they could provide. They did say that they were going to make the tax payment right away but I haven't received confirmation stating that they have been paid yet. Specific dates : XX/XX/XXXX : We closed on our home through XXXX XXXX XXXX. 
XX/XX/XXXX : We received a notice from XXXX XXXX stating that our mortgage had been sold to XXXX XXXX from XXXX XXXX, XXXX effective XX/XX/XXXX. XX/XX/XXXX : We received a letter from BSI with information for our payment options stating that our payment was due on XX/XX/XXXX. We mailed a check for that payment on XX/XX/XXXX. We set up automatic withdraw for future payments and received a notice saying they had successfully been set up on XX/XX/XXXX with the first payment date being XX/XX/XXXX. We made the XXXX Payment online and the XXXX payment was drafted on the XXXX as promised. all payments have been paid on time. The payments show they are collecting for Principal, Interest, Taxes, and Insurance. 

The company responded with a letter stating that the payment for taxes had been made. This is not what I requested. The response letter did not state that BSI was negligent in disbursing escrow funds on time which led to the delinquent tax notice. It also needed to state that all future escrow disbursements will be made on time. 

Having delinquent taxes appear on my credit report can be harmful to my financial success in the future. BSI stated in their letter that " The timing of that tax disbursement will not influence at all anything that BSI reports to the credit bureaus. '' BSI does not report delinquent taxes to the credit bureaus. The government agency collecting the taxes does. Having a letter stating that BSI doesn't report delinquent taxes to credit bureaus will not help me dispute the delinquent tax payment with the credit bureaus should it appear on my report. Having a letter stating that BSI was negligent in disbursing escrow funds on time which led to the delinquent tax notice will help with a dispute.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please examine and remove the PORTFOLIO RC account from my personal credit file.
Product: Vehicle loan or lease

In XXXX of XXXX  I signed a contract that should be null and void as the dealership and the lending committed fraud on both federal and state levels in regards to the XXXX XXXX XXXX. I'm an XXXX XXXXesident and my drivers license states this as well and I informed the dealership of this information once I realized this as they put a Missouri address on the loan and I've never been able to register this vehicle. I was told they couldn't add that to the loan which isn't true as an XXXX resident that is included in all vehicle sales and I stated this the numerous times I called trying to get this vehicle registered. They are cheating Illinois out of taxpayer dollars and by using a Missouri address they were avoiding the usury law as well as the cap on loans that Illinois has in place to protect their residents. XXXX XXXX sold me a car that had a value of $ XXXX {$10000.00} at the time of sale for {$20000.00}. XXXX XXXX and Global Lending issued me a loan for 72 months and I will end up paying 4 times what the car is worth and double the loan amount which isn't legal under state or federal law. I paid {$2500.00} as a down payment and instead of subtracting that amount from the cost of the vehicle it was taken off the full loan amount. I shouldn't have to pay the full amount as XXXX XXXX got paid the full amount of a vehicle which is committing fraud along with Global Lending. I was under the impression this vehicle had a XXXX mile warranty and wasn't made aware of this until I called to inquire about some issues with the vehicle. I wasn't fully aware of the fraud that had taken place and was unaware what I had signed as I thought the total of the loan was {$20000.00} as I was never made aware the vehicle had a 100 % markup as well as the loan. XXXX XXXX and Global Lending are aware that different states have different laws and that is why they refused to use my XXXX address but instead my girlfriend address. I was scammed and a vehicle that can't be registered is not a valid sale. Illinois has a Usury law and it has clearly been violated and this contract must be voided as they have cheated and scammed Illinois out of taxes and other fees associated with the sale of a vehicle. Both companies need to be investigated as other residents may have endured the same fate and didn't know they had remedies. I'm one resident but there may be other residents in other states who may not be getting the money they are rightfully owed. How many other residents may be owed money because they may have paid the loan off early and my be owed a refund on the gap, warranty or the down payment because the payoff amount was incorrect?
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED AND UNVERIFIED INQUIRIES ON MY CREDIT REPORT
Product: Payday loan, title loan, or personal loan

This account goes back to  XXXX   XXXX . I was mislead and misinformed by the above described company and its online representative about their loan product. It seems to me that this company prey on individuals who they know ahead of time that they are not able to pay these loans. After further investigation into their practice I found out that their interest rate is ridiculous and unimaginable and should be illegal in America after the  XXXX  financial reforms. I have asked the company to close this loan several times to stop it from incurring huge amount of interest.   I am urging your department to investigate this company and others online who are practicing these scams and putting struggling families in debt knowing they are not able to pay these loans.   in  XXXX  or  XXXX   XXXX  CashNetUSA offered me a settlement of paying 75 % of the loan in full and then another settlement of paying 50 % of the loan in full because they knew all along that their practice is shady and their interest rate is beyond imagination.   According to  XXXX   XXXX  the consumers in America have demanded all along the federal government to investigate these companies and shut them down.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The date of this collection appear on my credit on XX/XX/XXXX ; I think it was for at the month of XXXX rent for my apartment which was already paid in full after I moved out. I had no idea that I owed XXXX to my old Apartment complex however they did not even notify me by mail or via phone. I have my document of vacating my apartment without any charges on the statements of my account but now I have a collection that will stay on my credit until XX/XX/XXXX. I paid my bill and the Manager was not nice to me and she tried to threaten to damage my credit report and have me thrown off the premises or take my property with my permission. I paid my rent and the bill for a year and 2 months. They also extend my lease contract for another month to get more money out of me.
Product: Debt collection

Company is engaging in fraudulent activity by trying to collect debt not owed to them, fraudulently opened account and then reported it as a charge off. Have not given consent to this company to furnish anything on my report which is in direct violation of federal laws. No consent is identity theft. Company can not collect monies for a debt that has allegedly already been paid/charged off. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third report towards AMEX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that AMEX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as AMEX refused to help during the time they held my money without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that an old account I had with XXXX XXXX  and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX - XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX has with each credit reporting agency respectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX Account # XXXX, Account # XXXX, Account # XXXX, has violated my consumer rights 15 USC 1681 Section 602 A. - States I the consumer have the right to Privacy.

15 USC 1681 Section 604 A Section 2 - it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that the Consumer Reporting Agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a respect for the consumer 's rights to Privacy
Product: Mortgage

On XX/XX/2021 Specialized Loan Servicing LLC reported a {$10000.00} dollar increase in my mortgage balance. My billing statement states my mortgage balance is {$110000.00} and they are reporting the balance as {$130000.00}. This is the fourth time they have reported an increase in my mortgage balance while I have been on a forbearance plan with them. Each time I dispute the increase, they correct the balance back to the stated balance on my billing statement and then state they are providing accurate information. They also state they are adding the missed payments to my mortgage balance which would imply that I am liable for the payment twice, once under the existing mortgage balance and again by them adding the missed payment amount to the mortgage balance. They then report the increased balance to the credit bureaus even though I am on a forbearance plan with them and the Cares Act makes it illegal to do so.
Product: Mortgage

Please find this message as a formal written complaint about Community Loan Servicing, LLC. On many different occasions, I've used Community Loan Servicing , LLC 's front-facing payment system to make additional payments to my mortgage loan. The system allows you to split the payments to your preference. Multiple times I've had to call the company because they failed to apply my payments as requested. I am very frustrated with their mismanagement. Their system appears to be very deceptive ; allowing one thing but yet doing another. 

I would like Community Loan Servicing to honor my payment requests. Currently, I notice in my suspense account there is a balance of {$5400.00}. Based on the RESPA rules, this should have been directly applied to my periodic payment of {$2400.00}, which it has not. I would prefer since I am up to date on payments, to have this applied to my principle. 

Please have someone help me. 

Best, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

The time agreement they advised me before accepting the credit was inaccurate. They stated that my payment agreement ended on XX/XX/XXXX which they actually ended on XX/XX/XXXX. 
The only remaining amount I owed was suppose to be XXXX in which they charged XXXX of interest stating that it was due to late fees and the 16 percent interest on XX/XX/XXXX they charged me XXXX accounts more then what I actually owed which was XXXX and they charged me again on XX/XX/XXXX XXXX a total of XXXX And they keep charging me interest because they tried charging me again another XXXX dollars which I disputed instead of XXXX now they are trying to charge me XXXX
Product: Debt collection

Portfolio Recovery Associates, LLC has a debt for {$990.00}. I wanted to settle and I offered a settlement for {$400.00} and they agreed. When I ask the Manager XXXX XXXX to draw up a legal letter of settlement agreement he said he couldn't because the company do have a way to do that. That's false, as it is a legal document that says, that the debt will be paid and full, pulled from my credit report and they can not come after me for any future debt pertaining to that specific debt. 

Mr . XXXX  's document he sent suggested, once I pay, I would be on a payment plan until the d {$990.00} is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}
Product: Debt collection

I provided account information which showed debt was paid. To credit Karma. 
And it still is showing as 2 doragetory statements. Hospital bill {$500.00}. And {$300.00}. I sent authorization numbers and account paid numbers. 

And it's still on my credit report.