23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home mortgage loan servicing was changed by lender to LoanCare in XX/XX/XXXX/ XX/XX/2016. I did not received any mail package from LoanCare as the new loan service company providing the information of new account number or address for making monthly payments However the old mortgage company sent me a letter that LoanCare will be the new loan servicing company. on XXXX/XXXX/2016 I sent out first payment using old account information. I hope that I will get monthly statement or other info from LoanCare in mean time. LoanCare will call and leave message, when called back, the system will ask to put in LoanCare home loan number ( That I never received ) or full social security number. To protect my identity, I could not punch in Full social security number. No live person could be reached untill I provide my full social security number. 
On XXXX/XXXX/2016 I received the payment overdue notice from LoanCare that had necessary account information. I sent payment to LoanCare electronically through my bank ( XXXX XXXX ). 
Now I had my account number, I called LoanCare, they admitted their mistake and wave-off the late fee. 
Around XXXX XXXX, 2016 I needed home equity loan, the lender pulled my Credit report, It had late payment record by LoanCare, citing that reason they declined to lend me money. 
LoanCare is wrongfully reporting late payment ( by 30 days ) on my credit report. 
- Payment was late by 12 days because of fault of LoanCare for not sending me mail package for new payment details. Payment was sent on XXXX/XXXX/16 instead of allowed upto XXXX/XXXX/2016. 
- For Mortgage Loans, the payment can not be assumed late for first two months ( 60 days ).
Product: Debt collection

Received this email, and I have never received one from this company before, contrary to the language within it. I have also never received any phone calls or letters in regards to this alleged debt. I am currently experiencing a household member going through a critical medical situation. Thank you.
Product: Credit reporting or other personal consumer reports

I did not authorize the inquiries from your company that are appearing on my credit report.
Product: Mortgage

My loan became past due in XX/XX/2019 after my husband and I were in a fatal accident. I was in a hospital and rehabilitation for months unaware of my husbands death. In XXXX I reached out to XXXX XXXX of XXXX FL for foreclosure prevention assistance. In XXXX I meet with XXXX XXXX XXXX XXXX XXXX XXXX XXXX who also has a 2nd mortgage on my home. They are ready and have agreed to pay up to {$20000.00} of my past due balance. I've been getting the no where with Synovus Mortgage or the attorney assigned XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX. I've been told in writing by Mr. XXXX that Synovus has agreed to allow me to assume the loan and that no credit report/score is required. Two months has passed I have no information on being able to assume the loan ; the only way XXXX can make the payment on my behalf I must have the loan ( mortgage statement ) with my name on it. When I call Synovus they direct me to the attorney, when I call him he is not available or can not provide any progress on my case. I was notified by XXXX at Synovus XXXX they plan to sell my loan to another servicer. My goal is to bring my account current with Synovus before any transfers happen ; I don't even know if they have put the loan in my name. They also mentioned needed a subordination for the 2nd mtg, the 2nd mortgagee is XXXX XXXX XXXX XXXX and XXXX XXXX. This is the same agency with funding to pay the past due balance, they have no problem subordinating. The issue is the lender and attorney are not communicating in a timely manner and they are not on the same page. I can afford to pay my mortgage going forward ; I just need the proper information to get the mortgage brought current and have a agency willing to help. Can you please get Synovus or their attorney to respond to my requests? XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have taken my student loan account which is in a deferred status, and good standing and is showing it in a bad reporting status XXXX deducted 88 points off my credit score and as of yesterday XX/XX/19 another 58 points for the same factor which should reflect a deferred status because Im still a student   in school, I have tried to ration with this company but its the worse reporting agency within all three, please have them correct my account which should reflect deferred and in good standing and restore my points back which is 146 points that was removed.
Product: Credit card or prepaid card

BK OF AMER is reporting on my personal credit file. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisherhas not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( BK OF AMER XXXX, BK OF AMER XXXX )
Product: Credit reporting

Trans union allowed companies to access my credit report with out my permission. I have sent the unauthorized companies letters that have not been replied to and I have sent Trans union certified copy 's of letters to investigate and delete the unauthorized inquiries and it has been over 45 days and still it has not been done. XXXX XXXX has been discharged for over 7 years mus be deleted. 

I have included a statement of truth to prove I am telling the truth, please delete ALL the unauthorized inquiries from my credit report and XXXX. please do n't force me to sue I have documented every thing and I will win.
Product: Credit reporting or other personal consumer reports

Now I will write you requests for loans and credit cards that I did not make. I requested a copy of my credit report and in the hard inquiries section I saw requests that I did not make. These are fraudulent actions. I don't have any credit cards, loans, or other credit products from these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these hard inquiries from my credit report as they do not reflect my real inquiries and negatively affect my credit report.
Product: Credit card

I am writing to bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, which I have identified on my recent credit report. The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion of the following accounts : JPMCB - CARD SERVICES Account # XXXX XXXX XXXX XXXX Furthermore, the FCRA emphasizes the importance of accuracy and fairness in credit reporting. It acknowledges that the banking system relies on fair and accurate credit reporting, and it underscores the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy ( 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 ( b ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported me having 1 past due account. And they lowered my FICO tremendously compared to the last month. 
I requested my credit report and there is no late payments. 
I called TransUnion and representative confirmed that I don't have any delinquent accounts. 
When I told him about this problem he said he can't do anything about it. 
I need to apply for a credit card for my business and can not do it because of the unfairly lowered FICO score. It is affecting my business and my life.
Product: Credit card

paid bill before I filed Banrupty is should a postive not a negative report want it removed
Product: Debt collection

First Franklin Financial Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit  reporting bureaus.
Product: Credit reporting or other personal consumer reports

Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to tell me how the " verify '' the inaccurate and unverifiable information on my credit reports. I have mailed in numerous request to Experian and they just keep saying " verified ''. I have also contacted the creditors that are appearing on my credit files, and as of today, they have not responded to my requests as well. So if the creditors can not " verify '' the information that I am requesting to me, how can Experian state that they are able to get the information " verified '' in their system? This is a blatant violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

The week of XX/XX/XXXX, I received an alert from XXXX stating : Between XX/XX/year> and XX/XX/year>, an inquiry made by XXXX XXXX was added to your credit report. However, I have not applied for a new line of credit, nor did I give any company consent to run my credit neither has my spouse.
Product: Debt collection

Ad Astra Recovery Associates has placed an account on my credit report that I do n ot owe. I have never received anything in writing from this company nor have I ever seen a contract between the company and myself. I do not owe this debt, I am being held financially responsible for a bill I did not create. I have disputed this account multiple times asking for verification or proof of debt. I have yet to receive any type of information regarding the account.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following inaccurate accounts from my credit report. 


XXXX : XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$20000.00} XXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Phoenix Financial Services is attempting to ask for payment for a debt that is not appropriately described. I do not know what the service they demand payment for is, and I can not fathom how they are allowed to attack my credit and good name with this slander.
Product: Checking or savings account

On XX/XX/year> I received a phone call from Wells Fargo ( a spook number is what its call when I spoke to Wells Fargo that what they told me ) stating that fraudulent transaction on my account they sent me a verification code I gave them the code they then access my account froze my online app and added XXXX recipients to my account and tried to send a XXXX dollar to each XXXX out of the XXXX transactions was denied but XXXX went through someone call money man when my online acces was frozen I hung up and directly call and reported it to Wells Fargo XXXX XXXX the see the transaction and noted that I reported it as fraud as I explain what happen and told the agent why would I try to send XXXX when I didnt even have more then XXXX in my account they said they was going to investigate and then denied my claim when I call they said they would send me the investigation report and the reason why they denied my claim which they never did I was told it would take up to 30 days it been over 45 days and I havent received the report I also call them and gave them the police report # XXXX XXXX Florida police department XXXX XXXX : go XXXX XXXX Money man : XXXX Ashly XXXX XXXX XXXXXXXX Some of the recipients that XXXX added but the only transaction that went through was money man I already told police I would like to file charges and prosecute the person The redress sought is that my XXXX be refunded to me because I dont knew these individuals and I just want my money back
Product: Credit reporting or other personal consumer reports

I had recently disputed this account that COLLECTTECH has furnished on the consumer report without any authorization from the consumer nor with my prior knowledge. XXXX did not remove the account stating that the creditor had verified the account without providing me the proper evidence of indebtedness that I lawfully requested. I, as a living man know that I dam sure don't owe a debt that I never had with this entity COLLECTTECH. Reporting unverified information on a consumer report is a violation of the FCRA. It is your duty as a credit reporting agency to conduct a fair and thorough investigation and NOT the furnisher 's duty according to 15 USC 1681 ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

ive tried to access my yearly credit report with equifax and it will never allow me to do it ... i have to submit via reular mail ... .i just disputed a credit card error and i couldnt access it by regular channels, i had to use their special web email ... ..i have the response back in an email but when i try to access it im declined access ... ..today i tried calling was on the phone for 30 minutes with 2 different agents with no luck..i was transferred to the supervisor who promptly hung up and didnt call bacl..i need help with this .... ( i explained i was in the car and they were asking about every one of my 18 credit cards ... .... )
Product: Credit reporting or other personal consumer reports

The negative XXXX XXXX XXXXXXXX account is more than XXXX XXXX XXXX. I requested Equifax to delete the account and it was not. Both XXXX and XXXX have removed it from my report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I discovered that Bank of America debited my account twice for payment of my bill ( {$1000.00} ). I checked my prior bank statement and discovered that Bank of America also debited my checking account twice XX/XX/XXXX to pay my bill ( {$760.00} ). I contacted Bank of America, and was told that my account did not reflect double payments. I contacted XXXXXXXX XXXX XXXX XXXXXXXX and they provided trace numbers for all XXXX payments. I provided the trace numbers to Bank of America. No refund was issued to my account so on XX/XX/XXXX, I contacted the Bank of America again. I have talked to XXXX different associates or managers at Bank of America and there is still no resolution. Yesterday I was told that the extra payments were credited to my XXXX XXXX XXXX  account and they needed his permission to take the credits out of his account before they could refund the {$2400.00} to my account. We tried to reach him, but he did not answer. The Bank of America XXXX ( XXXX XXXX in XXXX, NY ) told me she would try to call my XXXX  back. No one called him. I contacted him and he offered to give me a check for the {$2400.00}. Now I have decided to accept his offer because when I called the Bank today, the first associate ( XXXX in South Carolina hung up on me ; the second associate ( XXXX in South Carolina ) said I needed to speak to her XXXX ; and the third associate ( XXXX XXXX said I needed to get my XXXX  on the phone to authorize Bank of America to debit his account for the {$2400.00}. I could not get him on the phone, and XXXX hung up. He did not attempt to call me back. I have spent hours trying to resolve this and I give up. I have given the Bank all the information it needs to return the {$2400.00} to my account and I am tired of hearing excuses about why they can not give me the money. They took the money without authorization from my account and were grossly negligent in crediting the extra payments to my ex-husband 's account. Bank of America XXXX XXXX and penalties if XXXX is XXXX day late with a payment so I put my account on autopay, and now I am paying the priceXXXX XXXX XXXX XXXX XXXX If I charged them at my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Bank of America XXXX XXXX me at least {$8200.00}. I have never seen such complete incompetence from a bank. I intend to get the money from my XXXX  and will repay him if Bank of America ever gets around to debiting his account. As soon as this is resolved, I will pay my balance and close my account. I hope you will investigate Bank of America so no one else has to endure what I have endured. Its telephone tree is a hassle. Each time one calls, one has to start over explaining the issue. I am voting with my feet. I will never do business with Bank of America again.
Product: Mortgage

Our mortgage servicer is Mr. Cooper and recently they have been incorrectly applying our additional principal-only payments. It went unnoticed until it happened for the second time. We made an additional principal-only payment of {$2000.00} electronically and instead of Mr. Cooper applying it directly it to the principal balance, they made a monthly payment of {$1600.00} and additional principal payment of {$310.00}. They then reversed both payments and applied them to the principal in the same amounts ( {$1600.00} & {$310.00} ). This same exact thing has happened two more times, consecutively. Doing this pushed our monthly payment back further because it was incorrectly processed and applied. Although the sum of the two amounts equal {$2000.00}, the way these additional principal-only payments are being processed is unethical and frustrating. Upon calling and speaking to customer service representatives, we have been told that there is " a glitch in the system '' and our account is being notated. We were also told we would have to continue to call to get the mishandled payment situated each time we make an additional principal-only payment. I am demanding Mr. Cooper be investigated and chastised because this is ridiculous.
Product: Money transfer, virtual currency, or money service

My account was permanently limited without justification after I sent in the requested documentation to lift my temporary limitation. 
I received an email from PayPal at XXXX XXXX on XX/XX/2019. The email stated my account was temporary limited due to suspicious activity, I sent in my driver liscence because I was told by a customer service agent via phone that I just had to verify my identity. I received an email stating the same thing. After I submitted my ID I also contacted PayPal and submitted my website link just in case they questioned if there was a legitimate business associated with the account. My business has a privacy policy, refund policy, and a terms & condition posted that must be read prior to purchase. I read Paypal 's term & condition and I violated not one condition nor have I been notified what condition that I have specifically violated, this is not a disgruntle complaint. I have over {$400.00} in my account that will be needed to help me survive I have earned that right with how many fees I have paid PayPal for their services. On XX/XX/XXXX at XXXX XXXX PayPal sent me a notification that my account was permanently limited and I would not be able to access my funds for 180 days which is barbaric to say the least. I have no verification of what term I have violated this is no different than receiving a conviction without being explained the laws that you broke and the severity of them. 


I would also like to add that every transaction my business received from clients can be verified and the service they received can be verified if it is ever requested. 

Thank you for your consideration. 
Account ID : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the federal credit report act. The list of the accounts below Has validated my Federally protected Consumer rights to Privacy and confidentiality under 15 usc1681. 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. 15 U.S.C 1681 section 602A States that I have the right to privacy. 15 U.S.C 1681 section 604A secton 2 It also states that 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 the 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 responsible Cause to believe the information is in accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX provided a letter of proof of payment and Experian fail to update and remove the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX