23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019 XXXX XXXX  notified me by email ( see attachments ) that my loan was being sold ( transferred ) to M & T Bank as of XX/XX/2019. I did not ask for this to happen, neither did I want to do business with M & T Bank, although I realized the sale was legal. 

The email notice said that I " would not have to change any of the terms '' of my payments and simply continue as I had been doing, the only change being payments made to M & T Bank rather than XXXX. On Friday, XX/XX/2019, I received a 2nd email notice from M & T Bank basically stating the exact same thing. 

For the last 5 or more years, I had been making my XXXX XXXX payments through my XXXX XXXX Bill Payment System ( see attachments ). Payments were being made at least twice a month or every two ( 2 ) weeks consistently. I have NEVER made payments late in over 10 years with any mortgage payment and usually make the 2nd payment in a month ( prior month to due date ) at least 1 to 3 days early. My wife and I earn over {$180000.00} per year and do not have any issues making any debt payment!

At the time the transfer became effective, I had already paid XXXX XXXX  for the month of XXXX as I always due before the end of the previous month. M & T Bank sent me a bill not giving me credit for XX/XX/2019 payments that had already been made to XXXX XXXX prior to the transfer. Secondly, since I thought this was an error, I waited for a corrected statement. Instead, I received a pass due notice when my XXXX payment was not even due! 

I called M & T Bank on last Friday, XX/XX/2019 and explained everything above to the representative. Instead of assisting me with the issue, she kept giving me the run around and telling me that I had " to change the way I was paying by logging on and signing up for their every-two-week payment bank draft ''. This was a direct contradiction to what I had been guaranteed in writing that I would NOT have to change the way I had been paying my mortgage properly for years. Secondly, she did nothing to bring my mortgage account current as it should be. 

Lastly, I just received by mail another pass due notice stating that I owe {$2900.00}, when in fact, I OWE ABSOLUTELY NOTHING!!! The M & T Bank bill also included some {$920.00} " Hazard Disbursement '' amount, which has never appeared on any previous mortgage bill, and they never explained it to me. 

My payments are current, and documentation is attached to prove it! If I were not late with XXXX XXXX, how could I now be late with M & T Bank when I have continued to make all payments twice a month or even every two weeks right through their transfer of mortgage process, for which again, I did not ask nor desire? 

This is absolutely ridiculous, and I expect the federal government to take the strongest possible action against this bank. They did not even listen to me or even try to correct the situation. I have been a perfect customer, I always pay all bills on time ( my credit score proves that ), and I will not tolerate this harassment in the lease. 


Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 I have did a thorough investigation and these accounts are inaccurate and I don't recall these accounts. 

In accordance with the Fair Credit Reporting Act XXXX Account, 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 an account without my written instructions.
Product: Debt collection

On XX/XX/2018 at approximately XXXX XXXX I was contacted by a representative at the number XXXX. I was never told the name of the company but was promptly informed that I owed a debt for a pay day loan. I was told 'the comapny XXXX XXXX was looking to pursue 2 separate charges. One for fraud and one for checks fraud '. I was skeptical because of the many phone scams that are currently going around and I had not yet been given the name of the company that was actually calling to collect said debt ( {$470.00} ). I eventually talked with a woman who claimed she was XXXX XXXX. I explained that I in no way tried to defraud anything at the time of the payday loan ( 1.5 years ago ) but that I currently could not make a payment within the 20 minute time frame she was giving me before I would be 'served by a process server '. I would need some time as currently all my money pays for my living expenses and child care. And that if my only option was to pay in 20 minutes or be served then I guess I would tell the same thing to the judge. XXXX XXXX then thought it was appropriate to tell me that, and I quote : 'Better have a really good car because I'll never be able to get a loan again ' as well as insinuate that I am an irresponsible XXXX year old ( like I don't know I have made mistakes ). She was incredibly unprofessional. I was absolutely shocked that this woman would be allowed to berate and harass customers on a daily bases. XXXX XXXX then hung up on me after I asked for her name and then supervisor. I promptly called back and made a complaint with this company. I will admit I talked with 3 other people at the company that were much nicer and were able to act in a professional manner. I also paid my account in full less than 1 week later and only then was I finally informed that the company is Global Recovery. I am still not 100 % convinced it isnt a scam as the XXXX I was given does not pull up any Credit Recovery company when ran. 
My complaints are with the company not clearly identifying themselves with an actual company name and with their unprofessional and rude employee XXXX XXXX who insulted and berated me over the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To Whom It May Concern, I am writing to follow up on previous requests made by phone and mail to all three major credit bureaus ( XXXX, Equifax, and XXXX ) regarding the removal of outdated addresses from my credit report. Despite making contact several months ago, these addresses still appear on my report : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have no association with these addresses, and they should no longer be connected to my credit file as I do not reside at any of these locations. Any correspondence or delivery intended for me will not reach me at these addresses. 

Please update my credit report to reflect only my current address and remove these outdated addresses immediately. This issue has persisted despite my initial attempts to resolve it, and I am requesting your prompt attention to ensure my credit report is accurate. 

I expect this matter to be addressed in compliance with the Fair Credit Reporting Act ( FCRA ), and I kindly ask that you provide written confirmation once the outdated addresses have been removed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am trying to open a bank account but they're saying I can not and I've called a few places to find out why and no one seems to understand why I did report my name social security being used in XX/XX/2019with Bank of America so I don't know if that is the issue.
Product: Debt collection

I get a collection on my account without my knowledge and now received frequent phone calls with a company I do n't even know. The account is closed on my credit report and the balance of {$1700.00} still showing so I do n't really understand why the company keep calling me for a closed account.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against MoneyLion due to their systemic failure to process my payments, their refusal to update my payment method correctly, and their repeated false credit reporting, which has severely damaged my credit score. Despite numerous attempts to resolve this issue, MoneyLion has failed to act in good faith and continues to report inaccurate and harmful information to the credit bureaus. 

Details of the Issue : XXXX. Failure to Allow Payment Method Update MoneyLions app did not allow me to update my funding account, despite multiple attempts.

I reached out to customer support multiple times via email and phone, and their responses were unhelpful and dismissive.

When they finally updated my funding account, they reverted it back to the closed card account without my authorization, causing repeated failed payments.

2. False Credit Reporting & Unfair Credit Damage Due to MoneyLions failure to allow payments, they reported my account as more than 90 days late every single month for the last five years.

This is the only account on my credit report with a late payment status, significantly lowering my credit score and blocking me from accessing credit opportunities.

MoneyLion claims to be a company that helps build credit, but instead, they have systematically destroyed mine through no fault of my own.

3. Lack of Customer Support & Ignoring Disputes I repeatedly informed MoneyLion about their system failure and its consequences for my credit history.

Instead of fixing the problem, they directed me to dispute the late payments with the credit bureaus, which sided with MoneyLion because I had not initially submitted supporting emails ( which I now have ).

At no point did MoneyLion take accountability for their own system failure.

4. Failure to Provide a Fair Resolution I was never given the opportunity to make payments properly due to their app glitch and failure to honor my updated bank information.

MoneyLion illegally attempted to charge a deactivated lost card instead of using the updated one I provided.

They accelerated my loan, charged fees unfairly, and reported me delinquent to all three credit bureaus, even though I was actively trying to pay.
Product: Credit card or prepaid card

Company isnt doing anything to fix the fraud charges on my statements and didnt give me the opportunity to send in a police report or anything else and denied my fraud claim. I never had a doordash account or order any fast food with this card and my credit card account was hacked by a third party and capital one isnt doing anything to fix the problem and resolve it so I can pay the rest of the bill XXXX responsible for half of the charges not the full XXXX and I refuse to pay for this .. unless I have my dispute rights back and they are violating it I will take possible legal actions against capital one for this..
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of birth : XX/XX/XXXX. Contains of complaint : This CFPB has been filed to request pursuant to FCRA section 605B ( 15 U.S.B. Section 1681c-2 ) that you, the XXXX credit reporting agency , Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Buisness days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of hard inquires at XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX And XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I Do Not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquirys appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquirys are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX, # XXXX, # XXXX as Proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections, or hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

The North Carolina State Employee 's Credit Union is adding a forced arbitration agreement to their terms of use, which covers many of the banks services, including online banking. The letter notifying us of this addendum to their terms of use included information about the possibility of opting out. 

Upon contacting them about the opt-out process, they informed me that I must write my own opt-out notice, and mail it XXXX XXXX  XXXX XXXX XXXX Per Statute 1016.7 of the CFPB, this requirement is unreasonable.
Product: Mortgage

On XX/XX/year>, I called Select Service Portfolio Inc located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to request information related to the foreclosure of my sisters house located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX due for auction on XX/XX/year>. I was instructed by their staff to submit payment to their XXXX XXXX XXXX account of {$66000.00} to cure the past due mortgage on the property. Payment was sent via wire on XX/XX/XXXX as instructed on recorded lines by their staff. 

I called multiple times in the following days to confirm receipt of payment, which was confirmed and their online portal was updated to " Current '' status. I set up autopay to avoid any future past due amounts from happening and set off for planned international travel through XX/XX/XXXX. The XXXX mortgage payment didn't go through, so I called and inquired about the status of the property. They confirmed that the foreclosure auction had gone through and the property was now owned by their bank. I requested the {$66000.00} be sent back to me, and they agreed it would be sent back via wire through the account that sent it. I called again on XX/XX/year> and was told by their employee XXXX that the payment would be sent via check to the mailing address on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called again on XX/XX/year> to inquire on the status of the refund that wasn't applied towards the past due balance and was told by employee ID number XXXX that the cashiers office was on lunch break and I'd get a callback on the status of the mailed check. It is XX/XX/XXXX, and I haven't received the requested amount via check or wire and nobody has called to confirm the status.
Product: Payday loan, title loan, personal loan, or advance loan

I was paying more then told or expected when my loan was over with the company
Product: Checking or savings account

In XX/XX/year>, I scrutinized my bank statements and found XXXX instances of an {$11.00} monthly charge for XXXXXXXX XXXX that I did not authorize. On a XXXX XXXX XXXX, call with XXXX at XXXX XXXX XXXX confirmed that it was an erroneous charge to my account, and that the email they had listed on the account did not match my email. XXXX said it was likely an error, and not someone stealing my identity, since it was just this XXXX monthly charge. XXXX assigned it a XXXX ID of XXXX XXXX. XXXX told me to call my bank to have them fix the error. I did, and on XX/XX/year>, my bank, WaFd, confirmed an error had occurred, but the bank only reversed XXXX of the monthly charges. It said it was unable to recover any further funds and would not reverse the other XXXX  monthly charges due to " untimely notice of error. '' So, I've been deprived of {$110.00}. 

I called XXXXXXXX XXXX again on XXXX XXXX and spoke to XXXX at XXXX XXXX. to ask that I get the other months of erroneous payments returned to me. He said he was escalating it to the supervisor team, which would email me. XXXX days later, on XXXX XXXX, they emailed me and declined to help, and again told me to reach out to my bank. In this email, my case number was # XXXX. I did not reach out to the bank a second time, having already been told they would not be doing anything further.
Product: Debt collection

Credit Reporting Agency ( CRA ) is in direct violation of FCRA, FDCPA, Frank Dodd Act and Metro 2 Compliance.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I opened an account with you folk approximately 2 months ago and funded it through transfers {$1400.00} and {$600.00} respectively ( see below ). You sent a confirmation as to receiving these funds. I believe it was on XX/XX/2018 Coinbase drafted an additional {$1000.00} from this account which was totally unauthorized ( theft ). I've been trying to get the funds back now for over 8 weeks to no avail.  The emails continue to say our investigation is underway which is nothing more than stalling. With the millions you, as well as Coinbase have made with these cyber currencies, why in XXXX would you refuse to return a paltry {$1000.00}? Oh, I know as I related to XXXX XXXX that I'm a XX/XX/XXXX-year-old XXXX XXXX and the targets get bigger each day on seniors especially if you happen to be XXXX. XXXX XXXX, I have literally begged these people to put the money back into my checking account and they keep stalling ; I'm aXXXX-year old senior whose income is less than {$1500.00} a month. I need my money, what little I have. Please help me Below are the actual bank drafts from Coinbase which shows  the unauthorized draft of {$1000.00}
Product: Mortgage

I put my mortgage into forebearance. After the forbearance ended in XX/XX/2021 the mortgage lender SPS services recalculated the payment at {$1000.00} higher than it was prior to the forebearance. I am unable to make this payment and I fear my house will be foreclosed. I need help for me and my family.
Product: Mortgage

SLS sent me another request for documents, requesting the same documents which I previously provided several times. I resent those records today, and then sent additional documents. SLS also again personally harassed me today, even after I have reported a similar incident. This morning, a car pulled into my driveway, rang my doorbell and then waited in my driveway for me for several minutes. I went out and asked what was going on, and a woman exited her car and said that she was from " SLS '' and that she had come to see if anyone was living at my home and also told me to call my mortgage company immediately. She also said that she left something on my doorstep. This is the same thing that happened to me a few weeks ago. I asked her if she had ever been at my home before, and she said no, but she looked like the same woman and the same passenger who had come to my home previously. She left me a " confidential '' note on my doorstep, but waited for me to come out of my house to walk up to me and talk to me also. I asked her why she had no identification and she said that she did not have to have any. She had XXXX county license plate number XXXX. She said her name was XXXX XXXX. The note inside says " Urgent Notice : please contact your mortgage servicer immediately, '' but then gives the number which is not SLS ' number. When I tried to contact SLS afterwards, they hung up on me XXXX times, so I could not get through to anyone to see why this had occurred and to ask why I was to contact SLS, and also to ask why I was given another number which was not SLS ' number. This is harassment. SLS has been given my contact information repeatedly. There is no reason for SLS to send persons to come and park in my driveway, wait to confront me personally, and leave me an " urgent '' notice on my doorknob, other than to harass and intimidate.
Product: Credit reporting or other personal consumer reports

To let the credit bureaus know that the inquiries listed in my file are not authorized, I'm filing a complaint. Credit reporting agencies have to remove or prevent any inquiries that were not permitted in accordance with FCRA section 605b. Kindly refer to the documents that are attached to help prevent incorrect information from being put into my report. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX XXXX XXXX customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

There is an alleged student loans and other accounts for which I do not recognize, I have tried several times to reach out to the credit bureaus for valid verification of those accounts and they have not given me adequate information on how those accounts were linked to my profile. Pursuant FCRA 623 I am requesting a removal of the accounts.