23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX, XXXX Dispute Late Charges -- Specialized Loan Servicing -- Loan # XXXX To Whom It Concern : servicing company is Specialized Loan Servicing. The underlying lender is XXXX XXXX. It was a 10 year interest only with a balloon payment due XXXX/XXXX/XXXX. Due to a number of unforeseen circumstances including the housing bust, we experienced a difficult financial period. We had XXXX collections that were on our credit report for quite a while. Finally in the XXXX, we were able to pay off the collections and start to rebuild our credit scores. We understood this would be necessary in order to obtain a loan modification. Finally, in XXXX XXXX, our scores were above XXXX after being in the low XXXX. We were advised to contact the servicer of our HELOC loan and negotiate a modification with them. We did this. On XXXX XXXX, XXXX, the first package of documents were emailed to Specialized Loan Servicing ( SLS ) requesting a modification. Over the next eight months documents were submitted when requested. Finally on XXXX/XXXX/XXXX we received a notice that our request was denied due to the loan being a HELOC. 
It is our contention that SLS failed to negotiate in good faith. They knew from the very beginning that the loan was a HELOC and could have advised us of not being able to modify it in XXXX XXXX or XXXX at the latest. Instead they chose to prolong this over eight months while charging us with late payments each month. They have now single handedly destroyed our credit to the point that we are not able to obtain another loan to pay this XXXX off. We have contacted several lenders, including private money lenders, and due to the late charges, we can not obtain a loan. It appears that their goal is to put us into foreclosure. We do not want to lose our home of 14 years. We could have easily obtained a loan in XXXX or XXXX had we know they were not going to modify the existing HELOC. 
As a gesture of good faith, we continued to make the interest payments for XXXX and XXXX based on the bills we continued to receive from SLS during the negotiation period. A payment was made on XXXX/XXXX/XXXX in the amount of {$300.00}. A second payment of {$250.00} was made on XXXX/XXXX/XXXX. The XXXX/XXXX/XXXX payment was returned to our account on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX payment returned on XXXX/XXXX/XXXX. When I questioned this, I was told by a SLS representative that they would not accept any payments that were not the full amount. They could have easily told me at that time that they would not do a modification on a HELOC. 
Again, we do not feel that SLS has negotiated in good faith, they knew from the start the loan was a HELOC and their policy not to modify a HELOC and they deliberately prolonged the negotiation period to allow them to systematically destroy our credit rating with late payment charges. 
We respectfully request these late charges be removed, our credit ratings be restored and in order for us be able to obtain a new loan to pay off this HELOC.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America submitted a application in which I didn't apply for. They Maliciously went into my. Credit account without my knowledge
Product: Credit card or prepaid card

Received an unsolicited email from Synchrony Bank saying I had a payment due for for purchases made on an Amazon credit card, but I have NO such account/balance. I believe this is a deceptive advertising tactic or outright fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX THIS ACCOUNT IS REPORTING A 30 DAY LATE XX/XX/XXXX THIS ACCOUNT IS REPORTING A 60 DAY XX/XX/XXXX THIS ACCOUNT IS REPORTING A 60 DAY XX/XX/XXXX THIS ACCOUNT IS REPORTING A 60 DAY XX/XX/XXXX THIS ACCOUNT IS REPORITNG A 30 DAY XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Hello, my name is XXXX XXXX. I co-signed a loan with XXXX XXXX at a XXXX dealership. On XX/XX/XXXX, we opened a loan agreement with Chrysler Financial in the amount of {$33000.00}. It has an APR of 21.53 % As of XX/XX/XXXX, we owe {$25000.00}. Our monthly payments are {$840.00}. Regardless of interest, paying {$840.00} just shy of 6 years, This company will have made {$61000.00}. That is equivalent of 2 brand new cars that we have given this company. 

At the rate things are going, we will hand them at least another 3 brand new cars. I have pleaded and pleaded with Chrysler financial, and there is nothing they can do. This loan is so upside down that no one wants to touch it for refinancing. If it does get refinanced, me and XXXXXXXX XXXX are divorced. Her credit is horrible, so I would have to refinance it making my names still on the loan. 

In the meantime, this secondary auto loan is holding me back from a mortgage. Please help me with this predatory lending practice.
Product: Debt collection

I paid this debt a year ago, and it was removed from my credit report. Then a new amount was added two months later. When I attempt to contact the company it says the phones are not in service, and the pay my bill link on the website is a false link. I want this derogatory remark removed from my credit history, especially after paying {$200.00} to this company. It seems as if they dont even exist however, aside from on my credit report.
Product: Debt collection

The reason for this complaint is for inquiry into the Collection item listed on my credit report from Military Star, This account was opened back in XXXX, I've spoken to a representative from Military star about the two missing payments that I located none of which were capture on my account. The payments are- XX/XX/XXXX and XX/XX/XXXX both for {$260.00}, when I read off the address that I mailed the money orders off to ( AAfes. Attn : CP operations XXXX XXXX  XXXX XXXX TX XXXX ). 

The representative from Military Star stated, Oh you were given the wrong mailing location, I stated even if so I'm sure the items would have been forward to the correct department? Somehow these two payments we're never credited to my account the receipts for these two items where missed placed and could not be found until just recently, The first thing I did was to check to see if the items were cashed this took some time due to the time that had elapsed. 

As shown in the attached paperwork these items were cashed but not applied to my account, when my account went delinquent I'm not sure where these payments would have placed my account, now I do understand that I did owe money to Military Star and because these were cashed and not credited to my account I do not want any funds back but could my account be cleared of the collection or removed completely. Please feel free to review the information that I have submitted and the actions that I took to ensure completeness of all issues to show good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Debt collection

On XX/XX/XXXX, I opened a letter from the debt collection agency Hunter Warfield attempting to collect a debt for {$160.00}. The debt was the XXXX XXXX XXXX XXXX  in XXXX, FL, where I had previously applied for an apartment. The XXXX dollars was the price of a fee after I rescinded the {$380.00} payment I had made to process the application. Why was the payment rescinded? The {$85.00} application fee and the {$300.00} administrative fee were paid to PROCESS an application, however, the XXXX staff failed to process my application. In fact after submitting my application, the XXXX was never heard from again. So, no, I did not allow them to keep my payment. For them now to attempt to collect a fee after making no attempt to earn my application fee is absurd. 

I verified this information with both the debt collector and the apartment complex yet the debt collection account still stands.Instead, of removing the collection account, the apartment complex promised to call me back with a resolution, failed to provide a callback, and instead manually changed the application status to denied post-notification of the issue via phone call ( as I assume that they think people are too dumbt to check on these things ) with the representative CONFIRMING the application had not been processed. 

I hope anyone reading this will stand clear of both apartment complexes like the XXXX XXXX and their debt collector, Hunter Warfield.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against the three major credit bureausEquifax, XXXX, and XXXXregarding significant discrepancies across my credit reports. Each of these bureaus has reported different information, which is inaccurate, misleading, and potentially damaging to my credit profile. Despite my attempts to resolve these discrepancies directly with the credit bureaus, I have not seen a resolution or even a satisfactory explanation for why these errors persist. 

Upon reviewing my credit reports from each of the three bureaus, I have noticed the following discrepancies : Different Collection Accounts : Each credit bureau is reporting different collection accounts, some of which I have no knowledge of or responsibility for. 
Inconsistent Information : The same account may be reported differently ( in terms of status, balance, or date of last payment ) across the bureaus, leading to confusion and a lack of clarity in my credit history. 
Unverified Entries : Some accounts listed are not verified, and I have not been provided with documentation or verification from the creditors or debt XXXXollectors involved.

These discrepancies are causing severe harm to my credit standing and making it impossible to get a clear and accurate view of my financial history. The lack of consistency across the three reports is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also creates an environment where I am unfairly penalized based on inaccurate and incomplete information. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure the following : The credit bureaus comply with the legal requirement to report accurate and consistent information. 
The disputed items are corrected or removed based on the results of an independent investigation by your office. 
The credit bureaus are held accountable for failing to maintain consistency in their reporting of my credit information. 
Enclosed, you will find copies of my credit reports from Equifax, XXXX, and XXXX, highlighting the discrepancies I have outlined. I have also included any communication Ive had with the bureaus, as well as any responses or lack thereof. 

I request that you keep me informed throughout the resolution process and provide me with a summary of the actions taken to address my complaint. 

Thank you for your attention to this serious matter. I look forward to your prompt resolution of this issue
Product: Credit reporting

I had disputed this Bankruptcy and requested validation that this Bankruptcy belonged to me and I requested the name of the persons who validated this information. Experian ' s response was they verified it.. First of all verification is NOT validation and the law requires the consumer is entitled to validation and what process to do so. Is used. The Bankruptcy court does not validate to the credit bureaus. That was made very clear to me when I inquired through the United States Bankruptcy court. I was not provided any information regarding validation which is proving something with my signature. I am requesting that the Bankruptcy listed under my credit file be deleted immediately since they can not validate it. Also since I disputed it with the credit bureau, they have my online access to my credit report and stated I have to get it through the mail. This action is deliberate because I disputed this issue with them online.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : US DEPT ED Account number : XXXX Account name : US DEPT ED Account number : XXXX Account name : US DEPT ED Account number : XXXX
Product: Credit reporting or other personal consumer reports

MOHELA fraudulently reported my XXXX XXXX balance XXXX  to credit bureaus, thereby XXXX  the balance on my credit report. My XXXX credit confirms XXXX duplicate reports from MOHELA of XXXX, for a total of XXXX, with the only difference between the XXXX reports being the reporting XXXX. My total XXXX XXXX balance should only be XXXX. MOHELA 's fraudulent XXXX  reporting of my XXXX XXXX balance has substantially harmed my credit score and ability to qualify for a XXXX XXXX  by incorrectly altering my debt-to-income ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ). 

I did not provide any of the listed companies with consent to share my credit card ( ID, SSN, etc ) with another entity ( I.e the credit reporting agencies. This is a violation of 15 U.S Code 1681s-2 15 U.S Code 1602 ( I ) says any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit is by definition a credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Reported to the Credit bureaus that I owed them XXXX $ but that was In correct because they Agreed to have it removed from my credit report. They Also stated that they will send me a letter to confirm that the amount was paid off. 

The issues are I ended the contract so they had no business adding a loan. Because I didnt owe them any money. I asked XXXX to remove but instead they came back and stated that it was an actual charge. But it wasnt it was in correct
Product: Credit reporting or other personal consumer reports

There are some inquiries that I do not recognize and I did not do them. I would like to know if you can eliminate them XXXX  XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

A derogatory remark and reporting on my credit report from an alleged debt from XX/XX/XXXX. I have requested validation of debt and collection agency has not responded to me. I also submitted a dispute with credit bureau 's and they have not fixed the issue all they did for me, they added a remark on my account that reads " Account information disputed by consumer, meets FCRA requirements '' How could this meet the FCRA requirements when I have never received any notification from any agency regarding this alleged debt. I been residing at my current location since XX/XX/XXXX and never received any letter from them.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of a situation in which credit cards were opened in my name without my knowledge or consent. I recently discovered that my mother opened several credit accounts under my name, and I did not authorize or apply for these accounts. 
The affected accounts are : XXXX XXXX Wells Fargo XXXX XXXX XXXX ( XXXX ) I have filed a police report regarding this matter, but I am hoping the situation can be resolved without needing further legal action. If my mother is able to pay off the balances on these accounts and transfer them into her name, I believe this would resolve the issue without the need for ongoing legal involvement. However, if this solution is not possible and the accounts remain in my name, I will need to proceed with the police report and take the necessary legal steps to clear my name and credit. I kindly request your assistance in investigating this matter, ensuring that any fraudulent charges or debts are removed from my credit report, and that the accounts are either transferred or closed. 
I would appreciate your prompt attention to this situation and would be grateful for any advice on how to proceed while the matter is being resolved. Please let me know if any additional information or documentation is required. 
Thank you for your understanding and cooperation.
Product: Vehicle loan or lease

Creditacceptance has aquired full rights title interest on a vehicle that ive purchased through XXXX XXXX. Theyre operating fraudulenly and they know it. 

Facts : on XXXX ive purchased a vehicle from XXXX XXXX/credit acceptance. I've entered into this contract without full disclosure. XXXX XXXX credit acceptance knowing and willingly took advantage of me and my consumer credit. I was given false and deceptive information. I was told that a downpayment of {$1900.00} was needed in order for me to drive off the lot. XXXX XXXX/ Credit acceptance, failed to clearly and conspicously disclose to me that a Finance charge, WAS the SUM OF ALL CHARGES, and never informed me of my RIGHT to include my insurance into the finanace charge. I was never given notices that comes along with consumer credit transactions. I was never informed of my right to rescind either, full disclosure of my right to rescind.2 ). Transparency regarding the process of the consumer credit transaction/application being the financial asset. 12 CFR 360.6 ( 2 ) as well as self liquidating paper, 17 CFR260.11b, False and deceptive information 15 USC 1692e and 15 USC 1605 and 15 USC 1635 ( a ) and 15 USC 1611 ( 1 ) ( 3 ). Due to the facts of said violations affiant rescinds the contract with XXXX XXXX Creditacceptance , wgich was sent via certified mail return reciept. Credit acceptance knowinlgy is damaging my reputation has caused me extreme emotional distress and placed me in a state of XXXX, fear, and uncertainty of the financing system. I have wanted to buy a house but now i can not due to the negative actions of creditAcceptance and thier reportings on my consumer report, which ive never given written consent for them to do so.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Brueau I am writing to formally dispute certain inaccurate and incomplete information that appears on my credit report. Upon reviewing my credit file, I have identified several items that I believe are incorrect or incomplete, and I request that these entries be thoroughly investigated and removed if they can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not been allowing people to Freeze Credit for at least 3 days now! 
On XX/XX/2019, I went to all 3 credit bureaus to freeze my credit. Two worked quite easily. However, the Equifax website would continually give an error. I was able to set up my account with Equifax properly, but I could not freeze my credit. The error message said " We can not complete your request at this time. '' We have tried for both my account and a separate account for my husband and receive the same error for both. 
So I tried again today, Sat, XX/XX/2019 and received the same error. I called the Equifax Consumer Care team at XXXX ( per the welcome email I received after setting up my account properly ), and the person who answered the phone said " I apologize but our systems are down and we can not access any information today. '' In summary, for over 3 days, Equifax is not allowing people to freeze their credit as they are required to do by law.
Product: Debt collection

I was never aware of the problem or medical bill. The clinic never attempted to reach out to me in terms of paying for any owed premiums. I do n't even know which clinic or facility it was since it was 3 years and 2 months ago. I paid any medical fees in the past out of pocket when I did not have insurance, and used my insurance when I was covered.   Please help me remove this charge off of my credit history. It is false and the amount is far from accurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 

Per 15 USC 1681c-2, it is mandatory for consumer reporting agencies to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. I kindly request that you adhere to this legal requirement and expeditiously remove the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in disputes along with the police report and EXPERIAN, XXXX, & XXXX continues to report these accounts that I do not recognize. Some of these accounts were reported as fraud with the police.