23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted Discover over a separate issue than in this complaint so don't think its a duplicate, this IS NOT A DUPLICATE. When on the phone with the customer service rep, she taked to taunting and condescending that i said I should close my account and go elsewhere, but i won't i want my issue resolved. XXXX days later i found my card closed without my permission. I have called the company over this matter several times and they have not helped me fix this. They never offered to look into the matter and have not helped me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management has been calling me asking for XXXX XXXX and stating a birthday of XX/XX/1985. I spoke to the person that called my phone and told them I do not know why they are calling me. They continue to call and I have called back and they said I have no right to call their number. They want my information, name, birthday, social. They call me XXXX although I have not verified my identity in any way. They blocked me from calling back even though I was trying to ascertain what this is about. I was passed around to XXXX people who told me I owed them money. 

I can't believe it is okay to call someone at XXXX and tell them they owe money and hang up on them when they ask what is going on. I told them that they were violating the FCRA, and they told me good luck proving that. I am not being stalked by a company that I never chose to engage with. They just hang up on me and call me from other numbers. They have shared a full name, birthday, and financial information with me without verifying whom they are speaking to. I have the calls recorded. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX ) XXXX ) ( 2. ) XXXX XXXX XXXX {$1900.00} ( 3. ) XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Consumer Loan

Wells Fargo financial services is reporting a late payment history incorrectly. I mailed in my payments. They issued XXXX account number to me initially then did not inform me until this past XXXX. Also, they charged me for forced placed insurance when I had insurance on the car. I have made all attempts to correct however, theyou only partially corrected it. I also request that the XXXX they changed me be credited to my paments, they refused and credited to my principle balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX XXXXXXXX Account XXXX Account Name : Untitled Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have a loan account with Paramount Capital Group that originated in XXXX of XXXX. The loan terms were on a monthly payment basis for a fixed ( minimum ) amount that would span for a duration of 5 years. During the XXXX  year, the monthly payments were made on-time. At the start of the XXXX  year, the COVID-19 Pandemic caused a major disruption in the work force ( causing many people to pause- or end- working ), including my particular work industry. As a result, during the month of XX/XX/XXXX, it was initially reported that I became late on the monthly payments ( but not delinquent on the monthly payments ). After some major " push-back '' from telephone representatives that wouldn't allow me to speak a supervisor at Paramount Capital Group about COVID-19 Hardship options to have the late payments removed from my XXXX, XXXX, and XXXX  credit reports, I continued to make monthly payments and I continued to contact the customer service department at Paramount Capital Group ( about COVID-19 Hardship options to have the late payments removed from my XXXX XXXX and XXXX  ), but ( on numerous occasions stemming from XX/XX/XXXX to XX/XX/XXXX ) the customer service representatives gave me the strong impression that they were insensitive to my COVID-19 Hardship request to have the late payments removed by being very dismissive and inconsiderate ( even after the discovery of the 5-year loan account being " paid-in-full '' with a {$0.00} balance 1-year after the reported first late payment ). PLEASE KNOW, I never stopped paying on my loan account and within 1-year after the first reported late payment, I paid the loan account " in-full '' with a {$0.00} balance after recovering from the harsh hardships from the COVID-19 Pandemic.
Product: Mortgage

We have payed over {$80000.00}. on our rental property this year. The mortgage balance is now {$3000.00}. We sent in our payment of {$1500.00} on XXXX XXXX. 2015. Check # XXXX. The amount of the payment due is {$500.00}. The payment represented our payment plus extra payment on the principal. Ocwen mortgage put in the wrong account. Our acct. # is XXXX. We have called numerous times but they refuse to give us credit even though we sent proof from the bank that the money was deposited into acct. # XXXX instead of our acct. Now they notified us the house is being placed in foreclosure with all the extra fees plus late charges. We have sent them certified letter explain what they did but they are ignoring us and saying they did n't receive the XXXX payment. We are senior citizens and need help to stop these crooks. We have never been late and we are paying this house off 25 years early. We understand that this a common practice with this company. Please help us or send us in he right direction for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a few personal data that is incorrect, please remove the following wrong address associated with my account. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, submitted a fraudulent Bill of Lading dated XXXX to Synchrony Bank. On XXXX, I never signed a Bill of Lading nor did I received any merchandise from XXXX XXXX. On XXXX, I was induced into a fraudulent sales transaction by sale man " XXXX ''. He fraudulent stated and signed a XXXX XXXX leaflet stating the recliner in question had a 3 year parts, labor and material warranty on a recliner. Within XXXX minutes of signing the sales invoice, I called the retailer and spoke to " XXXX '' and told him per the recliner manufacturer policy, they only provide 1 year parts, labor and material warranty. I requested a written 3 year parts, labor and material warranty on a company letterhead letter. " XXXX '' refused to supply the letterhead. I then informed him that I would have to cancel the recliner. On XXXX, I enter into a sales agreement with XXXX XXXX XXXX XXXX XXXX for a recliner with a 5 year parts, labor and material warranty at a lesser price and better warranty than XXXX XXXX. Within XXXX minutes of my sales with XXXX XXXX XXXX XXXX XXXX I received numerous calls from a XXXX XXXX driver and " XXXX ''. I informed both parties that I had cancel the XXXX transaction on the same date. On XXXX, I filed a complaint with the police department about the forged XXXX Bill of Lading. I provided Synchrony Bank with my phone record, " The Room Place '' sales invoice ( dated / time stamped ) and a copy of " The Room Place '' Bill of Lading dated XXXX for a recliner and a copy of XXXX, XXXXXXXX XXXX XXXX complaint against XXXX XXXX I'm a Senior Citizen and per federal Elder Justice InitiativeXXXX XXXX XXXX is defrauding a Senior Citizen. Synchrony Bank is required to report this abuse to the government. Synchrony Bank is not taking into consideration any of my submitted evidence. Therefore, I have and will contact the 3 major credit bureaus, FDIC, Illinois Department of Financial and Professional, OCC and the Federal Reserve about this matter. 
XXXX XXXX '' XXXX '' made, induce, signed and submitted fraudulent statement and documents to myself and Synchrony Bank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$14000.00}
Product: Mortgage

SPS Refuses Mortgage Payment SPS XXXX XXXX XXXX XXXXXXXX XXXX ( 2 minutes ago ) to Ombudsman SPS does not have a brokerage license and therefore is a collection servicer for XXXX XXXXXXXX XXXX XXXX SPS can not change the terms of the mortgage loan. 

SPS is not accepting payment for mortgage. 

SPS refuses to unlock client 's account and allow correct payment of {$450.00} SPS has changed contract without notice and current signature of client. 

SPS is in violation of Modified Order XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX ( 7 days ago ) to Ombudsman Hi, SPS stopped my escrow account this year and sent me a refund. Now SPS is attempting to charge me for said escrow. Without telling me you opened another escrow account. 
I am continuing with the " escrow account closure by SPS. '' I am not opening another escrow account or any account with XXXXXXXX XXXX XXXX XXXX or any other bank. This is theft of money and I have sent the Colorado AG office a copy of this. I DON'T HAVE AN ESCROW ACCOUNT WITH SPS. SPS CLOSED THE ESCROW ACCOUNT AND SENT ME A REFUND AND NOW ALL OF A SUDDEN WITHOUT MY KNOWING THEY OPENED ANOTHER ONE. I DO NOT OWE SPS ANY MONEY OTHER THAN A MONTHLY PAYMENT. SPS STOP STEALING FROM ME ONCE AGAIN. 

XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX SPS is Refusing my payment XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX PM ( 7 days ago ) to Ombudsman Given that SPS is refusing my payment, I notified the Colorado Attorney XXXX office. 

If SPS continues to refuse my payment I will take that as SPS is committing theft and will respond legally. 

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

Equifax negligently handled my personal data. According to Equifax, I have been effected by the recent breach of data. The company did not take proper precautions to my name, dob, ssn, address and drivers license information. 

It is not possible for this to be undone. My information is out there and I will be at risk for have my identity stolen from now on. 

I have put a freeze on my credit information in an effort to protect myself. Nothing has been done my Equifax to resolve this information.
Product: Checking or savings account

On XX/XX/XXXX I contacted via phone Merrill Edge at XXXX and spoke with representative XXXX XXXX of a discrepancy I noticed in my account activity. I believed there was approximately {$10000.00} missing in my latest transaction. XXXX investigated and found the culprit- {$10000.00} was withdrawn from my account balance to pay a margin fee. I was charged a {$1.00} American Depository Bank ( ADR ) fee in XX/XX/XXXX, which put my account balance in the negative and thus considered a margin balance. That {$1.00} ballooned to {$10000.00} in XXXX of XXXX! I was not aware of this fee at the time or any time in between then and today, XX/XX/XXXX and I asking for forgiveness out of the kindness of their hearts and hopefully a common sense approach. I requested to have this balance forgiven but was told by their representative, XXXX, there was nothing he could do. Despite a longstanding XXXX year relationship and have maintained a " preferred '' status due to my high account balance with Merrill Edge XXXX he informed me there wasn't anything he could do. I have now requested an in-person meeting with a Merrill Edge advisor and I will explain the situation to them soon as well. Between this, and filing a complaint with the Security Exchange Commission ( SEC ), I may also consult a lawyer to advise on my rights and options for recourse.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed Accounts : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX - XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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

Please assist with this situation involving Wells Fargo Home Mortgage. Requesting removal of inaccurate information all three credit bureaus because of start/end dates are totally false ; No payment started ( XXXX ) from the first last payment date which lead to the foreclosure ( XXXX ) ; foreclosure is noted to be reported ( until XX/XX/XXXX ) beyond the reporting XXXX year period. 

After numerous attempts, finally spoke with XXXX representative XX/XX/XXXX, about Wells Fargo situation and person stated- XXXX ) the information was reported & verified, and XXXX ) credit bureau do not know why it is beyond the XXXX year limit and XXXX ) it will remain on my credit report ( until XX/XX/XXXX ) because that is what reported by Wells Fargo company . 

I have not been able to make contact with a knowledgeable person from Wells Fargo that can assist me. I have repeatedly disputed the situation over the years and receive a reply of verified and the information remained inaccurate.
Product: Vehicle loan or lease

In XX/XX/2020, company known as " Exeter Finance '' charged off an account in the amount of {$15000.00} on my credit report. The company sold the vehicle to another individual and is still trying to force me to make payments. I disputed the debt through credit bureaus because I am no longer responsible for making payments on an automobile that belongs to another individual.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved an no action has been taking upon my recent disputes. ive noticed all data listed is reporting illegal an fraudulent information that is hindering my credit report. please review an remove the data listed to help clear my credit report asap.
Product: Debt collection

My parents were contacted about a supposed legal action against me for a debt. I called the number they were given on XX/XX/XXXX which was XXXX and gave them the reference number of XXXX. I was told I owed a debt from HSBC and was being sued by another collection company. I have no evidence of the debt on either a credit report from XX/XX/XXXX or XXXX of XXXX. The collection company refused to tell me what the debt was for and claimed I was mailed a notice in XXXX of XXXX, which did not happen. 

I called on XX/XX/XXXX and asked for more company information and was told that they worked for XXXX who buys debt and uses XXXX to collect. I asked for a license number, which was refused. I was told this was from an HSBC credit card and I do not recall ever having a card from HSBC and have no record of one on my credit reports over the past 2 years. I asked to be forwarded to someone with a license number and was told this could not be done as this was not in litigation, which is not what I was told on XX/XX/XXXX. I asked for a validation notice to be mailed to me to show the debt originator and chain of custody and was told it would be mailed in 30 days. I said this was illegal and it was due in 5 days and was told there was nothing to be done. I asked about when the debt was purchased and was told there was no information. 

These people had my SSN, drivers license number and address. Other phone numbers I was given were XXXX & XXXX. I was told not to contact these two companies directly as well.
Product: Debt collection

I have never received a letter from One Advantage, just a phone call. I called them back and explained my situation and I can only borrow {$1000.00} from my brother to pay this off. I spoke to XXXX twice and she refused to ask XXXX XXXX XXXX if they would accept my offer. Im not employed and Im XXXX XXXX XXXX and cant work any longer. 
The collection agency is in XXXX, Illinois and XXXX XXXX XXXX is in XXXX XXXX part of XXXX. The balance is about {$3300.00} and I was told it will go on my credit by XX/XX/2022 and possibly sue me if not paid in full, or settled for {$2300.00}. My spouse is on XXXX XXXX XXXXXXXX and gets {$1900.00} a month. Can you help me? Thank you.
Product: Credit card

My card was stolen all of my money gone and. America Express Serve denied my claim XXXX $
Product: Mortgage

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 Dear CFPB Team, I am writing to formally dispute the actions of M & T Bank regarding my mortgage account and to seek your assistance in resolving a distressing situation that has escalated due to their inadequate communication and refusal to address my requests. 

I have lived in my home since XXXX and have consistently made my mortgage payments until I suffered a car accident in XX/XX/XXXX, which resulted in the loss of my job and, subsequently, my ability to keep up with my mortgage payments. As my account became three months overdue, I proactively reached out to M & T Bank to discuss my options. However, I was informed that due to an old password set in XXXX, they would not speak with me or provide assistance. 

Despite my numerous letters requesting the removal of this password, M & T Bank has consistently ignored my requests. It is my understanding that their policy regarding password removal changed in XXXX, yet when I contacted them in XXXX, I was still met with refusal to engage in any discussion about my account. 

Furthermore, I sent two payments via mail during this period, both of which were returned with the demand for three months ' payment instead. Upon calling to make this payment, I was informed that my account is now in foreclosure status, and they are demanding additional attorney fees and other costs. It is disheartening to note that my account would not have reached this point if M & T Bank had honored my request to remove the password and maintained proper communication. 

I am requesting that M & T Bank adhere to their updated password policy and remove the foreclosure status from my account. I would like to make the three-month payment necessary to resolve this issue and prevent the loss of my home, where I live with my XXXX small children. 

Thank you for your attention to this matter. I hope for a swift resolution so that I can continue to provide a stable home for my family. Please feel free to contact me if you require any further information. 

Sincerely, XXXX XXXX XXXX # XXXX