23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019 - I received a Default Notice from Specialized Loan Servicing on Loan # XXXX. That letter stated that in order to prevent foreclosure of the home and bring account up to date, I would need to submit the amount of {$40000.00} within 33 days of the dated letter. 

I had finally gotten all my finances under control so I decided to empty my XXXX and savings to get this account current. I called SLS to confirm the exact amount needed the cure the loan and was provided with the following number {$41000.00} which included the month of XX/XX/2019. I sent a cashiers check for that amount and confirmed receipt within the allotted time. 

A couple of days after I confirmed receipt of payment, I logged into my account to confirm my account was current, instead it showed that I still owed more than $ XXXX in the account. This was around mid XX/XX/2019 and ever since no one at SLS has been able to explain where the additional $ XXXX came from. They acknowledge that the payment was not properly applied yet, theyve proceeded to foreclose on my home based on that additional $ XXXX. 
I have sent letters to the CEO and EVP of operations and no one ever responds. When I call the resolutions department, they always promise to open up a ticket to get the matter resolved but it never does. 10 days later the ticket is automatically closed with no resolution. 

I have copies of the letters Ive sent, the emails and copies of statements and Its been now almost 5 months and my home is still in foreclosure. 

PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc.police was sent about the inaccurate in formation with
Product: Credit card or prepaid card

I am writing this complaint because I previously had an XXXX XXXX credit card. I mailed in my payment in full to XXXX XXXX in 2017 and a week later I received a letter from XXXX XXXX saying I owe the debt but I informed them that I had mailed the amount owed to XXXX. They told me I needed to call them because XXXX never received a payment from them. I immediately called XXXX and they stated they had not received a payment from me. I had sent them two payments on the same day. So I called XXXX back and we agreed to wait awhile but and almost two months later of going back and forth they stated they just received a partial payment from them. I then called XXXX again to inquire about the other half of the payment and they said they had no record that they received any payment for me ( which was crazy because XXXX had gotten a partial payment from them ). XXXX said they would look into the matter but no one ever called me back. After going back and forth with XXXX I just paid the remaining balance and filed a complaint with CFPB to have XXXX removed from my credit report because it should have never been put on there. They responded that they would remove it from my report and that XXXX was working to recall it from my credit. This debt has been paid in full and I would like XXXX removed from my credit report because they stated they were going to recall it to XXXX XXXX  and because they state they never received a payment from me but they sent XXXX a partial payment. I dont know what they did with other payment I made to them since they quote had no record that I sent in a payment. I havent heard anything else from them and would like this resolved as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX is being reported on my credit report even though it was a loan taken out in my name fraudulently and I was told by them that it didnt matter and the only way to get it removed was to repay it even though I didnt open it, since I didnt know better I paid it and was told it would be removed and it never was even though its due to identity theft. 
The credit bureaus claim they cant find my account, but I provide all identifiable information, but they dont want to do their jobs I want all correspondence done through the CFPB
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.
Product: Bank account or service

Re : Citibank ( Citigold ) accounts ending in XXXX ( {$25.00} ) and XXXX ( {$25.00} ) We were recently notified by Citibank that we have XXXX small inactive accounts ( " Insured Money Market '' and " Savings Plus '' ) each containing {$25.00} ( total of {$50.00} ). We called Citibank XX/XX/2016 and were told to submit a letter with identifying information and Citibank would send us a check to close out the accounts. Instead of sending a check for {$50.00}, we received a letter stating that, because the account is inactive, we would have to go to a Citibank branch to get the {$50.00} and close out the accounts. 
There are NO Citibank branches near either where we live in XXXX XXXX XXXX, XXXX or in XXXX, XXXX where we are visiting from XXXX XXXX, 2016 to XXXX XXXX, 2016. They have only ATM 's, and we can not get the money and close out the accounts through an ATM. 
I called Citigold Services ( XXXX ) this morning ( XXXX/XXXX/16 ) and spoke to an XXXX ( ID XXXX ) and her supervisor XXXX ( ID XXXX ) to attempt to resolve this matter by having them send me a check for {$50.00}. I was told that I would have to go to a branch, and THE CLOSEST BRANCH is in New Jersey. I COULD NOT BELIEVE MY EARS AND I ASKED XXXX TO TRANSFER ME TO HER SUPERVISOR, XXXX, WHO REPEATED THE SAME DIRECTIVE. 
PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I am writing to express grave concerns regarding the handling of my personal information by your agency, which appears to be in direct violation of the Fair Credit Reporting Act ( FCRA ) and its associated regulations. As outlined in Section 602 ( a ) of the FCRA ( 15 USC 1681 ), there is an explicit need to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a deep regard for consumers ' privacy rights. XXXX and XXXX, being consumer reporting agencies, are bound by this mandate. As a consumer, I assert my right to safeguard my private information from unwarranted disclosure. Furthermore, Section 6801 of the FCRA ( 15 USC 6801 ) underscores Congress 's policy that financial institutions must affirmatively and continuously uphold the privacy of their customers ' information. The entity furnishing information to credit agencies falls under this category of financial institutions. It is imperative that my personal data is handled with the utmost care and confidentiality. In accordance with Section 604 ( a ) ( 2 ) of the FCRA ( 15 USC 1681 ), consumer reporting agencies are only permitted to furnish consumer reports under specific circumstances, notably with the written instructions of the concerned consumer. Neither XXXX, XXXX, nor the furnisher of information to credit agencies have obtained my consent, written or otherwise, to furnish my information. Therefore, any prior consent given is hereby revoked. Moreover, Section 6802 ( b ) ( c ) of the FCRA ( 15 USC 6802 ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options regarding their nonpublic personal information. However, I was never notified of this right by the furnisher of information to credit agencies. Additionally, Section 1681c ( a ) ( 5 ) of the FCRA prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. It has come to my attention that an adverse item is being reported without my consent, contravening the law. Furthermore, Section 1681s2 ( a ) ( 1 ) of the FCRA stipulates that information furnished to consumer reporting agencies must be accurate, and Section 1681e mandates that these agencies maintain reasonable procedures to avoid violations. It is evident that XXXX and XXXX are failing to meet these statutory requirements. Lastly, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services effective immediately. I demand prompt action to rectify these violations of the FCRA and related regulations. I expect confirmation of the deletion of the accounts listed and assurance that my personal information will be handled in accordance with the law moving forward. 

XXXX XXXX XXXX bankruptcy discharged XXXX Inquired on XX/XX/XXXX CREDIT ACCEPTANCE CORPORATION XX/XX/XXXX XXXX XX/XX/XXXX CREDIT ACCEPTANCE CORPORATION XX/XX/XXXX
Product: Debt collection

they called my husband and said I owed them for a cell phone bill. We paid it six years ago ( 6 ), a XXXX internet card. We also sent them a dispute letter via XXXX signed receipt. Thy reported it to the credit bureaus XXXX 2015. I called them and told them I disputed this and no communication has been received by me. I have requested a deletion of this account # XXXX, Enhanced recovery corporation XXXX FL XXXX ( XXXX ) XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX
Product: Student loan

I am in the process of repayment under an income based repayment plan. Upon renewal, I submitted the application but the information was input as deferment/forbearance instead of renewal. I then began to receive calls about information I had already submitted. My monthly payments then doubled beyond what my income can support, and I was unable to make online payment as I did the prior month. I am in the process of resubmitting this information again but the web-site has changed and is less friendly than before. I am now having to mail this information, prolonging the handling time
Product: Vehicle loan or lease

I applied for vehicle loan from this company and was denied and company could not give me a factual reason for my denial. They claim I was a high risk with a XXXX XXXX XXXX with over 6 accounts over 2 years with no late payments. I only have one car loan on my consumer report and I was using on trade in. I spoke with several supervisors and no one could give me a straight answer, I strongly feel I am being racially profiled by this bank. This bank really needs to be investigated.
Product: Mortgage

We have an equity loan with XXXX XXXX that was started in XXXX on XXXX XXXX and it was sold to SLS shortly afterwards. The loan was supposed to mature to convert to principle and interest in XXXX, however there was a modification on the loan in XXXX which transferred XXXX to the end of the loan and a adjusted payment. The draw ended and in XXXX SLS STARTED TO SEND US NOTICES THAT THE PAYMNET FOR THE AMOUNT OWED WAS GOING TO CHANGE TO XXXX A MONTH to include principal and interest in XXXX XXXX. They sent this starting in XX/XX/XXXX, and every XXXX months afterwards to show us the amount base on the balance. In XXXX the last SLS notice was sent to say in XXXX payments will increase to XXXX since the draw has ended. In XXXX notice came that Shellpoint will be the new servicing company. First payment to Shellpoint was the XXXX for XXXX. In XXXX without notice on a new bill the amount increase to XXXX without notice and or communication. We call Shellpoint numerous times they cant give us an amortization schedule they cant get us a a reason for the increase. at XXXX interest rate which the rate is variable and will go down, XXXX at XXXX for 20 years loan will be paid off. We don't know how they came to XXXX, it would appear they are given us 9 years, based on this the amount will be paid in this time frame but they said 20 years from draw ... at XXXX that will be over the amount owed. This is ridiculous and when were were getting notice for XXXX yr of what the payment would be and planned but no NOTICE no communication and they admitted they did not communicate, they just said pay this on the next statement. This need to be corrected and what was expected and possibly lowered. This has caused great stress and will affect credit. XXXX do not have and extra XXXX a month out of no where to pay. We always pay before the next payment is due is way you see the late fee of XXXX we pay that as well. We have not been 30 days late. The modification change our payment and we will be paid in XXXX yr with this loan or soon with he interest rate or lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a credit freeze on my Equifax credit information yesterday as well as the other two bureaus and was charged {$10.00} for both XXXX and XXXX freezes. The Equifax website confirmed that I was impacted by their breach. I should not have to pay for their poor data hygiene. I spent 30 minutes doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Product: Credit card or prepaid card

I've been with this credit card company for many years but got really disappointed on they had set up a cheating scam in the balance transfer offer, that all the purchase balance if ever happened after the balance transfer, will be charged with a high interest rate until you pay off the ENTIRE balance transfer with 0 interest rates. This is totally a scam as the reason you want the balance transfer is about the time to pay, so I made XXXX  of dollars purchase after the balance transfer and I did made XXXX  of dollars of payment try to cover the purchase balance, however these had been putting towards the balance with 0 interest rates. Right now I got a XXXX dollars purchase balance subject to 18 % interest rates forever before I totally pay off the balance transfer because none of my payment had been allocated towards that balance!! 

This is a common cheating scam that few of the small credit card company would do that people should be aware. I've been using balance transfer with other credit card companies for years and I never had that problem. ALL THE PAYMENTS SHOULD BE ALLOCATED TO THE PRIORITY OF BALANCES SUBJECT TO HIGHER INTRESET RATE FIRST!!!! THIS IS THE GOLDEN RULE OF THUMB!!! YOU DON'T TEND TO CHARGE THE CUSTOMER MORE BY SETTING UP SUCH TYPE OF SCAMS!!! 

And even think about this, the customer trust you guys using your card to setup for stuff like autopay, you are going to make them pay for high interest for those purchases forever before they finished paying those balance transfer offers with 0 interest rate? 

The cardmember service stuff who answered the phone had a nasty attitude, refused to help and being very proud of they are doing the right thing, also claiming that's the standard in this industry! Why you are saying that!!! That's so funny. By the way, I think throughout my experience, the customer service attitude for Fidelity credit card is always the worst!!!
Product: Checking or savings account

I deposited a check for $ XXXX at my local Truist location. As she gave me the receipt, she told me that there would be a 10 day hold. I called later to find out why there would be a hold and they said they needed to verify the check. The check came from the XXXX of Minnesota. I asked if we could call together and they said no, they have to call on a recoded line. I asked what number they were calling and they said they couldn't give it to me. I told them that I found a number online with the State to verify checks. They told me they would work on it and get back to me. I called later in the day and they said that no one would help them verify it. I asked which number they called because I called the one on the website and that lady said she could verify and she answered on the first ring. I was told they were too busy to help and to call back tomorrow. I called back the next day and was told again, that no one would help them. I asked if they could verify the number they were calling or if I could give them a different number where I spoke to someone. They said no, and to stop calling. They said they would keep trying and they would call me when they spoke to someone. This is a government check, with multiple verification items on the actual check. This money was for my wedding that is in XXXX weeks and vendors need to be paid. They were rude and because I went to the branch, the XXXX customer service people said they can't help only the branch because the branch is the one who put the hold on. Online it shows the deposit and then right after they removed it and put the hold on.
Product: Checking or savings account

I opened a new checking account with PNC Bank online. The company mailed me a debit card, but I didn't receive it. A few days later, I found that someone used this card to withdraw {$2000.00} from my account at an ATM machine. I contacted PNC Bank immediately after I found out and asked them to lock the card. I explained the situation to them and asked them to return the {$2000.00} to me. They said they would investigate it. In the end, they decided to refuse to return my money. The case number they gave me is : XXXX. I hope you can help me. Thank you!
Product: Credit card or prepaid card

Ive been a customer from American Express since XXXX. I applied for a business credit card back in XX/XX/XXXX. I was able to use my card for the first two days after that all purchases started to decline. I called American Express multiple times my employee call American Express multiple times, in which we were told the account was fixed, however purchases were still declining. I was a little aggravated so I decided to ask for a supervisor the supervisor explain to me that there was a concern with my identity, which I totally understood. He gave me a website in which I had to do, an online notarization for my identity a couple of hours later I received an email stating to print out this attached paper and to go into a financial institution to get the paper notarized in person. I did it send it and was advise that it was gon na take about 3 to 5 business days to verify the legitimacy of the paper, its been almost 2 weeks now when I call instead of telling me 3 to 5 business days theyre telling me they dont have a timeframe to verify my paperwork. I requested to speak with a supervisor multiple times and their answer is theres not a supervisor available at the moment. That supervisor is going to call me back, nobody called me back nobody fix the problem with my account. Ive had a lot of patience and Ive provided all documents that American Express has requested from me. I open this account because I want my business expenses away from my personal expenses. I expect that if I am approved for a credit card, Im going to be able to use it, the customer service, the way agents treat me have been horrible. I want to remark XXXX with user ID. She was horrible disrespectful and very unpolite with the amount of money that American Express charges for fees, annual charges, and every type of charge I expect to be treated with respect and courtesy every time that I call. I ask the CFPB to act in my behalf and ask American Express to please lift the restriction of my account as is in violation of my rights. Thank you. attached, please find documents submitted to American Express verifying my identity.
Product: Checking or savings account

I have been trying to open a Well Fargo bank account. When I have to do it online, it reads unable to verify please go into a bank w. identification & the amount requested to deposit. When I go to the bank, I am still unable to open the account & am not being told why or how to rectify what ever it is that is causing this. I have attempted to figure this out & open an account over & over again & am being denied w/o any information nor indication as to why.
Product: Credit reporting

Hello, I have disputed an account with Experian to validate the accuracy, In return they sent me a letter stating they have validated the information, I sent a letter to XXXX XXXX via Certified mail requesting validation which no response was ever sent back. I contacted Experian again via mail and they refuse to investigate the account stating they have already validated. I have made multiple attempts to contact XXXX with no response. I have attached the following communication between Experian and XXXX as proof.
Product: Checking or savings account

My money got taken away and they charged me insufficient funds to my accounts to where I can not use my account anymore and they never called me back about this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about mid XX/XX/2019 my identity was stolen and accounts opened in my name at XXXX XXXX XXXX and XXXX XXXX XXXX. These issues were resolved. Several months later I received a bill from Capital One for over {$2000.00}. I had filed a complaint regarding my identity as well as spoke with a Capital one representative. My credit report currently shows a Charge off of this amount but states the dispute was determined to be my responsibility. Obviously, there was NO investigation as I never opened a Capital One account. They do not have my signature nor was my identity verified. There must be some one to determine who opened this account and who used the card. There are cameras everywhere and it should be simple to look up a purchase and determine who is using the card. 
I have disputed the addresses listed on my credit report 3 different times and yet they remain. I have NEVER lived anywhere other than XXXX XXXX XXXX XXXX   XXXX, & XXXX XXXX XXXX XXXX. both located in XXXX, WA. 
I need this resolved and I need a REAL investigation. People should not be able to open up credit without a picture ID & verification that the individual is the person seeking credit. The burden should not be on the consumer with these types of reckless policies.