23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan # XXXX XXXX XXXX My loan was sold, transferred from XXXX XXXX XXXX XXXX. to SPECIALIZED LOAN SERVICING ( SLS ) XXXX, XXXX. I received no notice of this transfer either in writing or by phone. I continued to make payments, on time, to XXXX XXXX through XX/XX/XXXX, when I was notified by my bank onXX/XX/XXXX that my last payment of XXXX was returned. 
Spoke with a representative at Loancare XX/XX/XXXX regarding status of account. Rep XXXX notified me of the transfer. She verified my correct mailing address but had an incorrect phone number for me on file. 
Call Specialized Loan Servicing XX/XX/XXXX to verify them as the new servicer. Spoke with representative XXXX and she verified new account. SLS had an incorrect phone number and address on file for me. Somehow, my correct information was not transferred along with my loan. If letters were sent, they went to the wrong address. If SLS attempted to call, they called the wrong phone number. I know XXXX had my correct address ; I have a statement from them with the correct address. 
I was promised a phone call by the representative XXXX on XX/XX/XXXX from a manager since one was not available XX/XX/XXXX, and did not receive a call. 
I called SLS ( Specialized Loan Servicing ) XX/XX/XXXX and spoke to a representative regarding a payment made that did not apply to my account. Found that the funds went to a Suspense account and did not apply to my payment. Representative sent me a statement regarding my escrow funds which I did not receive by mail or call since all my contact info with SLS was incorrect. Without notice or reason, that rep dropped my call or attempted to transfer me to another department. Another representative answered, I went through the verification process again and explained the purpose of my call. This agent could see that attempts to correct my contact information, mailing address and phone number, were not correct in SLS system. I had called on XX/XX/XXXX to correct this information. This rep promised a call from a supervisor team, and escalation team regarding why all my contact information was not correct and I was not receiving statements or calls regarding account status. This call was also dropped without notice or conclusion. 
I was not notified of a loan transfer ; I continued to make payments on time, which were processed. Once I learned of the transfer, I immediately made a payment to the new servicers, XX/XX/XXXX through my bank. I do not believe I am responsible for any late fees, nor there any negative reporting to my credit standing.
Product: Credit reporting or other personal consumer reports

I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as usual, but this time there were discrepancies out of nowhere. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXXXXXX XXXX XXXXXXXX please delete any other names I HAVE REQUESTED SEVERAL TIMES TO HAVE PAPERWORK OR PROPER DOCUMENTATION FROM THE COMPANIES I FOUND ON MY CREDIT REPORT. I AM NOT FAMILIAR WITH THE UNKNOWN ACCOUNT. I have already filed a complaint over a fraudulent account from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXXPlease delete this account at once from my credit file! I choose to opt-out of your disclosing future information until further notice.
Product: Credit card or prepaid card

I applied for and received a Loews XXXX consumer credit card through Synchrony Bank. I made two separate purchases with this card in the amounts of {$120.00} and {$260.00} respectively. I attempted to make a full payment on the first charge on XX/XX/2021 debited from my checking account at XXXX XXXX XXXX XXXX For reasons unknown to me, it was rejected. The account and routing numbers were correct. Thinking that I possibly erred the first time, I resubmitted my banking information and submitted the payment a second time on XX/XX/2021. I was subsequently notified that this payment had also been rejected. I contacted my financial institution and resolved the problem by having anything charged from Loews on this account forced through by the individual in charge of verifying routing and account numbers on charges to my checking account. I was told that other members had similar problems with Loews. Bear in mind that after this had been done, this charge of {$120.00} was paid in full on XXXX, 2021 and the subsequent charge of {$260.00} paid in full on XX/XX/2021. Even so, Syncb/Loews saw fit to close my account due to the initial rejection of payments. Also, bear in mind that this company is the only one that I have dealt with that has had any problem whatsoever in debiting my checking account for bill payment. I pay all my monthly bills in this manner. The closure of this account has appeared on my credit report. I have an XXXX credit rating. My payments were on time and in full. In doing this I feel that Loews and Synchrony Bank have impugned my good name, regardless of whether or not my credit rating is adversely affected!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

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

I HAVE SUBMITTED A NEW AND COMPLETE MORTGAGE MODIFICATION PACKET THROUGH MY HOUSING COUNSELLOR 'S ORGANIZATION CALLED OPERATION HOPE TO WELLS FARGO BANK ON XXXX XXXX, 2015. SEE EMAIL BELOW. 
XXXX To XXXX ( WELLS FARGO 'S SINGLE POINT OF CONTACT ( SPOC ) ) CC XXXX XXXX/XXXX/15 at XXXX Hello XXXX, Attached please find a new modification request that the borrower would like to have reviewed. 
Thank You, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Office : XXXX ext. XXXX Fax : XXXX ON XXXX XXXX, 2015, I RECEIVED A LETTER FROM WELLS FARGO BANK CONFIRMING RECEIPT OF MY NEW COMPLETE MORTGAGE MODIFICATION PACKET AND WELLS FARGO HAS FOR WELL OVER ONE MONTH IGNORED THIS NEW AND COMPLETE PACKET AND HAVE FAILED TO REPLY OR REQUEST ANY ADDITIONAL INFORMATION FROM ME CONCERNING THIS NEW MORTGAGE MODIFICATION REQUEST. 
WELLS FARGO HAS VIOLATED THEIR OBLIGATION TO ENTERTAIN ALL FORECLOSURE RELIEF ALTERNATIVES AND THEY ARE RETALIATING AGAINST ME FOR ALL OF MY PAST CFPB COMPLAINTS. 
THE ATTACHED COMPLETE MODIFICATION PACKET INCLUDES NEW INCOME INFORMATION THAT WAS NEVER AVAILABLE BEFORE AND MUST NOW BE CONSIDERED BY WELLS FARGO BANK OR WELLS FARGO BANK WILL BE LIABLE FOR VIOLATING CALIFORNIA HOMEOWNERS BILL OF RIGHTS FOR FAILING TO DO SO.
Product: Credit card

Was notified by WellsFargo that XXXX XXXX has applied for card. He has previously applied for XXXX account in my name. I did not authorize this person to apply for joint account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to TransUnion regarding this false information on my credit 3 months ago and they have yet to correct the issue these following items should not be on my credit and is not true 1. XXXX/XXXX XXXX and XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 2. XXXX/XXXX XXXX and XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 3. XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 4. XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 5. XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 6. XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 7. XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 8. XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 9. TRANS UNION Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 10. XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 11. XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 12. XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 14. XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate This is my accurate address XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit card or prepaid card

Every month its the same story with Capital One. I goto the one click that is sent via email and it doesnt work. I try for a few days to go online, it lets me see my account, etc but not make payments. 
On the last day due this past month in XXXX of XX/XX/XXXX it took me two days of going online in between working and life to get the payment to pop up/the box that allows me to make a payment. 
It then stalled and timed out, then shut down. 
I called the next day and made a payment over the phone as I was at work, I work graveyard at the XXXX department. 
So I sleep during the day and then am at work by XXXX XXXX. 
I need the payment processing to work due to my schedule. 
This has happened a few times, I have to call which takes about an hour by the time you sit on hold, etc .... and that is time I dont have with my sleep and shift schedule. 
They have credited my account before but would not this last time charging me XXXX $! 
That needs to be reversed. 
Also, I want to know why this is an issue, but surfing my account with all other items like account summary works?
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to XXXX XXXX The information listed below, which appears on my credit report, is the result of identity theft and trafficking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company claimed that they were able to verify the bankruptcy but that couldn't have been possible due to the fact that I have a security freeze with the company that they use to alleged " verify the information ''. Even if I would have filed for bankruptcy, the Bankruptcy Courts do not provide any information to anyone. I have a copy of a letter that clearly indicates that they do not provide any information to anyone. XXXX uses XXXX to " allegedly provide verification of information ''. In my case, XXXX couldn't have provided verification to them due to the fact that I have a letter ( enclosed ) which clearly states that I have placed a security freeze placed on my file.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report recently and found a bankruptcy and am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( this information should come directly from your credit report ) Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. Which document you obtained to verify the bankruptcy.

Attached is a letter from the court stating that the courts do not verify any information to LexisNexis, and a copy of my state ID/Social Security card.
Product: Debt collection

Hello, I received a summons to court By this collection agency and I am unaware as to why. I have not received anything prior. I do not know who this debt is from. It just stated that it is a XXXX account with XXXX owed. Also it states that the last payment on this account was XX/XX/2013. That was 3 years ago. I have no recollection of an account with this amount owed. I have paid many of the debts that I owed from when I was going to school. I would like to have verification of this debt as I am unaware of this. I would also like to have this summons to court revoked as I have not received any prior contact before this. I was just hit with a summons via mail through the court and am very upset. Thank you in advance.
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 IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$3500.00} end of XX/XX/XXXX, I've made {$1900.00} in payments as of this date XX/XX/XXXX. I called to get my payoff amount today ( XX/XX/XXXX ) and was told it was still {$3400.00}. I told them this couldn't possibly be correct and was told they were sorry for the inconvenience, but I missed the " early payoff off discount '' that was in effect until XX/XX/XXXX. I was told that I could pay off this loan early at anytime but none of my payments other than a few cents have been applied to principle and the APR rate is an astonishing 170 %. This loan was taken out for a necessary car repair at a XXXX dealership. This is the very definition of predatory lending, the victim is in a high stress situation, and didn't fully understand that none of the payments would be applied to the actual principle even when paying off early after 4 months. Its insane that any company would accrue {$2000.00} in interest on a {$3500.00} loan in 4 months. No reasonable person would agree to this.
Product: Credit reporting or other personal consumer reports

A fraudulent account was opened in my name on XXXX XXXX with XXXX XXXX. Ive contacted the creditor and attempted to have it removed as well as disputed the account with the credit bureau. The account now reports as XXXX XXXX with no Validation of contract and existing business as requested. Nothing was received within 30 days or ever therefore my consumer rights were violated and Im prepared to pursue litigation. The account is reflecting a balance of {$810.00} and XXXX is allowing the account to report without proof of my business dealing with this company.
Product: Bank account or service

I overdrew off my checking account at a bank about 4 years ago, and they went through the proper channels and had me garnished from my work, approximately one year after. The full amount that was due was taken.Courts sent me notice that the garnishment was finished and the amount was paid in full, yet it does not show on my credit report. Ive been trying to rebuild my credit but I unable to in certain areas dues to this misinformation. I would like it rectified, and closed please.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Mortgage

I sent a check for {$2900.00} to XXXX on XX/XX/XXXX. I called 2 weeks later to check on bill and receipt for the {$2900.00}. The mortgage co. said they put the money on 3 house payments in the future with {$120.00} left overbalance. I said that was wrong and I filled out bill for a principal payment of {$2000.00} plus one house payment with no money left over, and again asked for receipt and new bill for mortgage. We then waited and no bill or receipt ever came we then repeated process 5 more times and 5 more times no bill or receipt ever came until XX/XX/XXXX bill came only one with tax information for income tax which they did not include the {$2000.00}. I called they said they put the {$2000.00} on XX/XX/XXXX. payment which would have be next year taxes. They cashed check in XX/XX/XXXX not XX/XX/XXXX this years taxes this years accounting. We have a FHA loan and we feel that they were not happy with our principal payment and put us thru XXXX on purpose or they were trying to steal our {$2000.00} since no receipt ever came, and gave us faulty tax papers and late. Mortgage papers so messed up you don't know where you stand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REPEAT THAT THIS IS NOT A REQUEST FOR VALIDATION/VERIFICATION NOR A DISPUTE. On XX/XX/2022, I the consumer notified the CFPB ( Consumer Financial Protection Bureau ) about XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), VIOLATING 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to XXXX XXXX XXXX XXXX, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT TO MY CONSUMER REPORT. XXXX XXXX XXXX AGREED IN WRITING THROUGH RESPONDING TO MY CFPB COMPLAINT THAT THEY WILL CEASE COMMUNICATION PURSUANT TO TITLE 15 USC 1692c ( c ) OF THE FDCPA ( Fair Debt Collection Practices Act ) CFPB complaint # ( XXXX ) Pursuant to title 15 USC 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( XXXX ) ( Experian ) and ( XXXX ) are in serious violation also. XXXX, Experian and XXXX fraudulently furnished account XXXX XXXX XXXX on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. Here 's other Violation of the FCRA as well : ( 1 ), 15 USC 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 USC 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living are impacted. 
( 3 ), 15 USC 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. 
Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand this account ( XXXX XXXX XXXX ) be deleted Immediately or I will file for litigation in accordance with the FCRA and FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n - title 15 USC 1681o ) regarding the continued willful and negligent noncompliance and 15 USC 1692k civil liability section of the FDCPA.
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 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

In accordance with the fair credit reporting act, XXXX XXXX XXXX account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A, states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various XXXX loans it shows as if I have various late payments its not accurate or fair that this is on my credit report