23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX-1, by XXXX XXXX XXXX XXXX, as Legal Title Trustee c/o Specialized Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX has filed a mortgage foreclosure against me and I never executed any agreement with them nor can XXXX XXXX XXXX XXXX furnish documents from the original creditor enclosing my on time payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX-1, by XXXX XXXX XXXX as Legal Trustee do not have the following legal authority : 1. Collect payments from borrowers 2.  Initiate nor have discretion to authorize a mortgage foreclosure 3. Reluctant to oversee mortgage servicers to confirm if the foreclosure has merit.

4. Does not manage or maintain properties in foreclosure 5. Not responsible for the approval of any loan modifications 6.  In short, XXXX XXXX XXXX XXXX XXXX DO NOT have no advance knowledge of payment history nor the clear chain of title from the originator creditor demanding XXXX XXXX XXXX XXXX and servicers to execute foreclosure for payment. 

Plain and simple, XXXX XXXX  as Trustee does not exist thru my discover. 
1. The " Trust '' NEVER entered into any transaction in which the Trust paid for assets. Nor have any third parties SLS ( Specialized Loan Servicing, LLC ) executed monetary interest. 
2. Through deception, XXXX XXXX XXXX XXXX never execute foreclosures. They use servicer 's to conduct the dirty work to deceive consumers. 

This is not a duplicated complaint ... .should all parties be reluctant to respond. 

My complaint is toward Servicers using XXXX XXXX XXXX XXXX as a shield from liability in fraudulent foreclosures.
Product: Debt collection

I have addresses tied to my credit report that I've never live in my life. One account is from XXXX XXXX  as well as XXXX ; Those accounts opened at a time when I was incarcerated for 4 years. The inaccuracy on this account shows the date the account was opened on XX/XX/2021 currently on XXXX ; However, on XXXX it shows this account was opened on XX/XX/2021. According to the FCRA inaccurate information must be removed. Currently I am awaiting compensation from the XXXX data breach that took place during the pandemic my personal information was exposed. Also, there are accounts on my profile that has been sold to debt collectors during my 4 year period of XXXX  and by law I never received a debt validation letter. Also, I've sent in multiple dispute letters and also identity fraud accusations with an open dispute with identitytheft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my credit monitoring service that my name, address, and SSN was compromised. I pulled my consumer report and noticed Experian is reporting some fraudulent accounts and inquiries on my consumer report. Furnishing, deceptive, and fraudulent information on my consumer report violates my rights as a consumer. Delete these accounts and inquiries immediately. 

15 USC 1681c-2 ( a ) '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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. '' - XXXX  XXXX  ( XXXX ) - XXXX XXXX ( XXXX ) - XXXX XXXX ( XXXX ) - XXXX XXXX ( Fraudulent Inquiry ) - XXXX  XXXX ( Fraudulent Inquiry ) - XXXX XXXX ( Fraudulent Inquiry )
Product: Student loan

I tried to help my son further his education and I was misinformed of all the interest etc. my son enrolled in XXXX XXXX in XXXX. The school has now closed nationally. My son was failing his classes and only needed to 2 months to complete his course. We tried to appeal it and he was informed that he would have to take the whole course again. I have been a single mother since 2007 and I can hardly manage providing a roof over me and my children 's head. I feel I was misinformed. If we went to a community school I know that it would be different. Please contact if you need my acct numbers for the FED LOANS. Thank you Sincerely XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX ( XXXX  ) in regards to a charged off savings account that is showing on my credit report. I have tried to negotiate to have the account deleted from my report. However, XXXX refuse to remove said account from credit report as this account is a savings account that was overdrawn. The reporting account is not a loan or installment account. I received documents in the mail as requested from XXXX. In those documents I received, there is no where in any clause, subtitle, or paragraph that states that if there is any indebtness of a savings account, XXXX will report to the credit bureaus in the event of charge offs etc. XXXX is improperly using its authority to report improper account information on my credit report. Said account is overdrawn in the amount of {$350.00}. This savings account dates back to XX/XX/2016. This credit union have on time payments being reported since then. I repeat this is not an agreed loan, installment loan or no account to that nature but a savings account.
Product: Mortgage

I have a mortgage loan with XXXX XXXX XXXX as the lender some time ago i was informed by the bank that my loan will be transfer to a new servicer at a certain date, to ocwen loan servicing, over a long period of time i herad nothing from the bank or the servicer i did try to make communication with the servier for over two years but was told that they had not receive any authorization from the bank as yet pertaining to my account, that went on for almost three years, finally they said they will Create an account for me and process a mortgage modification plan for me which they did and giving me a payment in the area of {$1400.00} .per month which i started to pay but when i tried to make a second payment my payment was refused on the grounds that my account was ivalid. and the payment i made will go in escrow, I made a QWR.of which they responded without any clear explination or to explain if they had authorihy to collect payments from me they eventually transfer the created account to another servicer who has it now i think the bank has violated certain laws by collecting mortgage payment without proper authorithy i am not sure if they have any authorithy to make any transfer.
Product: Checking or savings account

In XXXX aound the XXXX I noticed my ATM way not working so I called the XXXX number and they said it was the activity and they would fix it so they said they did I went to check it and nothing I called again and the person said ok I fixed ot try it now and I did and it worked so the next morning I tried it and nothing and so I called and they said that the fraud unit was investigating and would not say anything about it then in the XXXX I got a letter saying it was a business decision to close the account and it would be on the XXXX of XXXX nothing else about what why or how come then on the XXXX  my social security check went in I got it and deposited in my new account and there was still 2000 in the account in the account they then sent another letter saying that they will try and resolve this by the XXXX of XXXX and then it says it XXXX take longer on XX/XX/XXXX the account was closed and the money stayed in there for a couple of weeks and then with out any notice or anything it was taken out and I dont know what or where it went not my social security check i was to receive for XXXX I have not received and if this account is closed why ate they accepting a deposit from social security when it should have be not allowed into the account i have not heard anything from this company since they sent some letter acting all secretly like i was it was something important and it just said we are looking into this and such
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My employer is : XXXXXXXX XXXX XXXXXXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section XXXX of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Debt collection

This account was fraudulent and never opened by me. It was removed once before and now purchased by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is reporting I have made late payments and failed to pay off the loan but in fact I paid off the loan in full closed account and after XXXX  months they followed up by starting to file there first XXXX day late payment on XXXX - XXXX following by a string up late payments until XXXX - XXXX after XXXX continuous months of false inaccurate payment information from XXXX OF XXXX they continued to charge the account with interest accumulating up to the debt of XXXX they then charged off the account wrote off a balance of {$120.00} and continued to sell the account to a third party debt collector : MIDLAND CREDIT MANAGEMENT XXXX XXXX who XXXX XXXX harass me further more on a debt I was never informed of neither by XXXX or XXXX after fighting to correct XXXX errors and have no such luck via XXXX I paid the debt in full to the collection agency I will be submitting the documentation to you in closed in this email showing confirmation of my claims. XXXX continued reporting the late payments, never verifying the information as requestion I have send multiple rounds of disputes over to them in which I have had no so luck. I feel I was taken advantage of and misguided into paying a debt I didnt owe to the collection company.
Product: Checking or savings account

On XX/XX/20 I opened a checking and savings account online with Bank of America where I deposited {$100.00} into each account for a total of {$200.00}. I received an email stating that my accounts were approved and the money was debited from my account. I went to their website and tried logging in and it said I had to call a phone number to speak to a representative. I call them immediately ( XX/XX/20 ) and the gentleman said that the accounts were closed because upon further review they could not verify my identity and that I would be sent a cashier 's check via regular mail within 7 to 10 business days. I was extremely upset because I dont understand why if the money was taken from my account in seconds that it couldn't be credited back in the same timely manner? I receive my direct deposit from my employer on a BANK OF AMERICA issued card so how is it that they can not verify my identity?! Ok, so here it is XX/XX/20 and still no cashier 's check. I call one of the 1 800 numbers listed online and there's a 57 minute wait for the call to be answered. So I go back online to try live chat, they can not access specific account information online and give me another 1 800 number to call where I am once again put on hold. I spoke to 3 different people and was told my check was sent to an address that does not even exist in the town I live in and that I would have to wait 91 days until the check expires to be reissued another check that will take another 7-10 business to receive. A check that I wont be able to cash because I do not have a bank account! Why and how is it that banks get away with this?! I am a single mother who works hard EVERY DAY to earn every bit of what's leftover after taxes are taken out to help people that DON'T work, so please explain to me why and how this is acceptable?! All they are doing is making interest off of MY money! Money that I can not pay my Bill 's with now because they won't credit it back into my account they took it out of! Why do we have all of this technology then? The last lady I spoke with, XXXX, said they could not stop payment on the check and reissue another one ... WHY NOT?! Please give me some answers as to why financial institutions are getting away with these types of issues on a daily basis? Its robbery.
Product: Credit card

On around XX/XX/year>, I went to the local Chase branch to open my first bank account because I had just turned XXXX and I sat down with a banker. The banker told me that part of the process is to apply to a credit card with XXXX, which I agreed to. After filling out all the necessary paperwork, the banker told me that he doesn't know what decision of the credit card is and that I will receive something in the mail. 

A few weeks later, I receive XXXX credit cards, both XXXX XXXX XXXX, both same credit limit, but XXXX separate accounts. The banker signed me up for XXXX credit cards when I only agreed to a single credit card. I later realized that this is a tactic that bankers use to get commission or meet their quotas
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2020 to the credit bureau regarding inaccurate and unknown items on my credit report. It has been more than 60 days. My identity was stolen in the XXXX Data Breach. As a United States citizen, I do not feel protected and it seems to be that I am being taken advantage based off of my living zip code. According to Section 611 ( a ), it states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. I demand All inaccurate accounts that were mentioned in my letter and on my account with unverifiable/Inaccurate Account Number, Open Date, Closing Date, Date of Last Activity, Last Payment, and Date Reported should be delete at once.
Product: Credit card

I charged a unlimited vacation total of {$11000.00} to my card and subsequently disputed the charge, once I was able to review the website and see prices after falsely advertised. I also charged {$2900.00} to my XXXX XXXX card. XXXX stated I was responsible for the boat trip of {$3000.00}. The charge from XXXX XXXX pretty much covered it. I explain this to Apple card more than 5 times. Over the course of trying to get my money back. It took more than 6 months to settle this dispute. However, my account was supposedly corrected months ago and yet I still don't have access to the {$17000.00} only {$10000.00} at a time.
Product: Debt collection

I received a voicemail today from XXXX from investigator XXXX XXXX with an inquiry about a neighboring address. The name of the company was not mentioned. I figured it was some kind of scam. I called the number out of curiosity just to see what the company was then hung up, did a XXXX search, and found this site. SB Investigators is the name of the company. I have no intention of calling them or answering any of their calls.
Product: Credit reporting or other personal consumer reports

A collection account that appears on my report. I believe that the reporting of this account violates the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in investigating and correcting this matter. 
Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Information : WAKEFIELD AND ASSOCIATES Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of First Delinquency : [ Date of First Delinquency ] I am disputing the accuracy of the information related to the collection account mentioned above due to the following reasons : Inaccurate Reporting : The information provided in the collection account is not accurate and does not reflect the true status of the debt. I request a thorough investigation into the validity and accuracy of this account. 

Violation of FCRA Laws : I believe that the reporting of this collection account is in violation of the Fair Credit Reporting Act ( FCRA ). Section 623 of the FCRA requires that information reported by credit bureaus is accurate and complete. The inaccuracies in this account are detrimental to my creditworthiness and financial standing.

Abusive Collection Calls : I have been subjected to abusive collection calls by [ Name of Collection Agency ]. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits abusive and unfair practices by debt collectors. 

I kindly request the following actions to be taken : Investigation : Please conduct a thorough investigation into the accuracy of the information associated with the collection account mentioned above.

Verification : Verify the legitimacy of the debt and ensure that it complies with all applicable laws and regulations. 

Removal of Inaccurate Information : If the investigation reveals any inaccuracies, please promptly remove the inaccurate information from my credit report. 

Documentation : Provide me with any documentation supporting the accuracy of the collection account, as required by FCRA. 

I remind you of your obligation to respond to consumer disputes within 30 days, as stipulated by the FCRA. Failure to comply with these requirements may result in legal action. 
Thank you for your prompt attention to this matter. I am confident that a fair and accurate resolution can be achieved through your assistance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this, per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

Your Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, Pa XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
15 USC 1681 a XXXX My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 
XXXX Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX Pa XXXX I request several time to have my information updated and its still old outdated information on my consumer report
Product: Credit card

15 USC 1681 and 12 CFR 1002 You can't be denied credit due to credit score or credit history or income. Anyone adverse actions in a consumer credit transaction is Illegal. Also 15 USC 1611 state that i can access my unlimited credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I am concerned about identity theft, I just tried to freeze my credit from the 3 credit bureaus. While 2 of the 3 took only a few minutes and were very easy to do online, Experian was not. It is very difficult to understand how to freeze your credit. It's obvious they hide how to do it on their website. Nothing about it is intuitive. What makes it worse is they try to scare you and upsell you. It's just sad and pathetic attempt to get money from consumers. We don't have a choice. We shouldn't have to jump through hoops to freeze our credit from a greedy company that we don't even have a choice to use. Your executive team or whoever thinks they are so clever by making it difficult to freeze consumer credit are just greedy and disgusting. I am disgusted that I have to use your pathetic service and am disappointed that my government does not protect me from shady, greedy, and shameful businesses like Experian.