23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple mortgages with Loancare and XXXX. I have been paying all my mortgages on time for years. In XXXX 2019, i changed my autopay bank account. Payment didn't go through as i autopay kicked off after a month. Upon further checking i was told when switching autopay it kicks off after a month and have to be paid manually first month. This was reported as late payment to credit agencies and it dropped 74 points on report. This is really hurtful. I have so many mortgages and never been late on single one for years. 

This could have been avoided if : - There was an alert/indication during autopay setup - Bank sent any letters on late payments highlighting late payment ( only thing i kept receiving was regular statements ) - Call to notify of late payment All i request the bank is to withdraw this late record looking at my history and nature of the issue with the late payment. 

Thanks
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and XXXX 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 a account without my written instructions
Product: Student loan

In XX/XX/2014 I made a {$10000.00} lump sum payment towards my student loans. When I made this payment, I indicated, online, that this would be applied to all loans. Instead, the payment was only applied to XXXX loan, and the rest went into delinquency. 

When I was contacted ( after accounts were put into default status ), I explained my situation and the representative reapplied my payment to cover all loans and bring my account up to date. 

When I saw these missed payments reflected on my credit score, I tried many times to get them removed. I still have these missed payments on my credit score, and it is a massive impact to my score and my life. 

In light of the new federal lawsuit against XXXX, in which XXXX of the allegations is XXXX misapplied payments and another is XXXX misreported missed payments to the credit beuraus, I believe my loan servicer, FedLoan Servicing, is guilty of the same thing with my account. 

I want the missed payments removed from my credit score. I also believe FedLoan Servicing cost me in terms of interest and fees by misapplying my {$10000.00} payment in XX/XX/2014 and was negligent in fixing the issue.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : NATIONAL CREDIT SYSTEMS INC Account number : XXXX
Product: Debt collection

About mid-September my husband, and I began receiving DAILY robocalls from Monterey Financial Services ( XXXX ). We have no account with Monterey, nor any outstanding debts. The robocall stated that by listening to it, we were admitting to having an account with Monterey ; and when we call, we should make sure no one could hear us before giving them private information. There was no other information given about this alleged debt, and we weren't addressed by name. I looked them up online, could not find any further information except for a phone number ( XXXX ). I called this number, but needed to have an account number in order to be connected to someone. We do not have an account. I then checked the XXXX XXXX XXXX  and got their address. ( Monterey Financial Services, LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). I have made no further attempts to contact them. 
As I stated above, we have no account with them. We have not heard of them or from them before and have received no other communication from them with any specifics. 
All the calls have been made to our landline home phone and continue daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover has been removed from my XXXX credit report. I have contacted XXXX, XXXX, and Discover. They keep telling me that they have verified it. How? How are they verifying it when XXXX removed it off my credit?

Discover keeps sending me a paper to have them verify the account for them which I am not going to do because it is not my job to do it and they should have the information if they are trying to verify. It is not my account.

XXXX removed it and it is not accurate. This is the last final warning. If I do not get this removed off my credit report by the end of the year, I will file suit. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period multiple times. Since you are still reporting this account on my credit report, you are now in violation of the FCPA and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court.
Product: Mortgage

I own a property that has a mortgage on it in my late husband 's name. I am on the deed but not the mortgage, I am the successor of interest. The mortgage servicer was SLS. I was behind on the mortgage. I applied for and was approved for a loan modification. I was told to make 3 trial payments and then I would sign paperwork to complete the modification. I made the 3 payments in XXXX, XXXX, and XX/XX/XXXX. The loan was sold to Shellpoint on XX/XX/XXXX. I called and called them numerous times in the month of XXXX but they said I was not authorized on the account and therefore, they refuse to discuss the account with me. I was told to send in numerous erroneous documents to prove successor of interest. I was told to send in my late husband 's divorce decree from his first wife. I was asked to send in probate documents for a house that never went through probate. I was finally told on XX/XX/XXXX that I needed to send them a picture of my drivers license, I emailed it on XX/XX/XXXX. I received no response or correspondence. I called again on XXXX, spoke with a supervisor who confirmed they had my license. I spoke with him on XX/XX/XXXX and he told me i was confirmed as the successor of interest. He told me not to worry, he had all the documents for the modification which he would process. I asked about making payments. He told me there were no payments due until the modification was processed which he expected my first payment due sometime in XXXX. On wednesday I got an email with a secure message from Shellpoint. The email didn't work and I had to call them. I was told that the email was just confirming me as successor of interest. I was also told that my loan was in foreclosure. I was confused. I told him what XXXX told me, he told me he was sorry that was incorrect. He said I was supposed to make trial payments due on XXXX and XXXX. I asked for something from shellpoint telling me what is due when and where to make payments. He sent me an email with all of this information. I received a callback from a supervisor yesterday who told me that what the previous representative sent me in an email was unfortunately incorrect. I asked for something from shellpoint telling me how much to pay, when it's due and where to send it. He told me I was going to have to trust him and he sent me another email telling me I had a payment due on XX/XX/XXXX and upcoming on XX/XX/XXXX. I asked if he could send me something saying the foreclosure would be stopped if I made the payment. He refused. They will not send me a bill telling me what to pay them, every time I call I get a different answer. How can they foreclose on my house when they wouldn't talk to me for over a month. I was told my only option was to hirean attorney which I can not afford nor should I have to pay for in order to get a bill from shellpoint. I am prepared to make the payments, but I still have nothing saying they will stop the foreclosure if I do make the payments. I am also fairly sure if I call them again, I will get a different answer. I'm at a loss I don't know what to do
Product: Credit reporting

I filed bankruptcy on XXXX XXXX, and my mortgage loan with Bank XXXX XXXX XXXX XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.
Product: Checking or savings account

I opened an account with Wells Fargo XX/XX/22. I gained access through the app that week. On XXXX I sent a XXXX of {$500.00} from my XXXX XXXX XXXX  account to fund my Wells Fargo account. Yesterday on XXXX I lost access to mobile and online banking. I called Wells Fargo who said my balance was {$15.00} and that I will not be allowed access to my account. Wells Fargo not only is not allowing me mobile/online access to my account despite me providing all of my info to them. Wells Fargo has also " lost '' or stolen my {$500.00} which I need to pay bills. I called Wells Fargo again today XXXX to gain resolution and was told to go XXXX myself they can not help me. I am writing to the CFPB to hopefully gain access to my account and get my money back.
Product: Mortgage

Company is now requesting an explanation for an XXXX XXXX monthly expense that I indicated on my loan modification worksheet. 
When I completed the loan modification worksheet, I contacted my loan servicer, Mr. XXXX XXXX, to ask him for guidance. He instructed me to fill in this worksheet with the amount that I expect to pay for my monthly mortgage payment ( on the mortgage currently owned by Mr Cooper ). Before this process began, I was paying {$840.00} per month on this mortgage, so I indicated that I expect to continue to pay {$840.00} on this mortgage. 
To re-iterate : This property only has one mortgage listed on it. This mortgage was previously held by XXXX, and they sold it to Mr Cooper, who instructed me to list my expected monthly payment on the loan modification worksheet. 

Now, Mr Cooper seems to have forgotten their own instructions, because they believe that my XXXX XXXX monthly expenses are for an additional mortgage, or for a separate property. I have told them numerous times that my only expense is for the mortgage that they currently hold, but they seem unable to grasp this simple detail and continue to ask for information to reinforce their mistaken assumptions. 

Mr Cooper needs to validate and complete my loan modification request ASAP, without further delays, excuses, or needless requests for documentation. They have been provided everything they need, multiple times.
Product: Money transfers

i opened a new paypal account and went to my local XXXX and bought a paypal cash card which i put {$100.00} on came home and added the card pin to my account which put the {$100.00} on my paypal then i sent a friend that lives in the XXXX {$99.00} and pay pal charged me XXXX cents to send so a total of {$99.00} the transaction was complete go and log into my paypal account to find paypal locked it saying thisResolution Center - Case Reversal DetailsPayPal is constantly monitoring site activity and reviewing transactions. 

This payment has been selected for review and we have opened an investigation. 

Inquiry by PayPal - Case ID : XXXXXXXXStatus : Being Reviewed By PayPalTransaction ID : XXXXSeller Name & Email : XXXX XXXX, XXXXXXXXTransaction Amount : - {$99.00} USDTransaction Date : XXXX XXXX, 2015Dispute History Log - Most Recent XXXXThe Dispute History Log displays all actions related to your claim.Date Actor Action DetailsXXXX XXXX, 2015 Seller Response received from sellerXXXX XXXX, 2015 PayPal Email sent to sellerso my friend complied to their email needing info and i emailed paypal and got a responce saying they are not taking the hold on my account off that now i have to wait 180 days to even get my money and wont explain to me what is going on
Product: Debt collection

Sent a communication to the AD ASTRA RECOVERY SERVICES company who purchased a debt that was paid in full to SPEEDY CASH ( the original creditor ). The company keep sending presentments and i'm not interested in contracting with that company. There was never a contract with this company they are harassing me like owe them.
Product: Debt collection

Creditor agreed to remove from my credit file. The account is still showing on my XXXX credit report. This debt was discharged through chapter XXXX bankruptcy.
Product: Credit card or prepaid card

Signed up on payment program due to Covid. I gave them my checking account info. They were able to process the first payment but could not process other payments. XXXX XXXX confirmed with a supervisor from Discover that the information given was correct. Also with the type of payment processed the account was valid and they way they processed the payments were correct. Discover is stating that the error was not on their end even after talking to my bank. They are refusing to take late payments off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summit Financial is continuously reporting I owe $ XXXX in debt for a car I never had in my possession at all. XXXX XXXX is the owner of this car he has used my name in Texas I even have a Texas address listed on my credit report I have been trying for over 5 years to get this debt erased and I am sure the statue of limitation has passed please help me get this debt removed. I have disputed this debt yet every month it keeps reporting as delinquent hurting my credit score. I am a XXXX XXXX at this point and I just want all of the harassment and embarrassment from this debt collector to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported fraud to my report on XXXX a few yrs ago. When I found out last XX/XX/XXXX I called BOA and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted XXXX  to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. 
The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with XXXX. So they obviously never investigated nor removed the fraud defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are Inaccurate and I'm seeking litigation please delete at once. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n & 15 USC 1692k.
Product: Debt collection

On XX/XX/XXXX I pulled my credit report and noticed a {$1400.00} hospital bill from LAW OFFICES MBA I am unaware of this collection, therefore I would like this removed.
Product: Debt collection

I have sent XXXX debt validation letters to XXXX Corporation. They have failed to respond to my requests. I do not recognize this debt and I would like to see verification of my debt.
Product: Checking or savings account

XXXX XXXX Scam : I received a phone call on XX/XX/year>, from a guy saying that someone charged my credit card {$500.00} and they wanted to reimburse me. I thought it was a legitimate call because I had just lost my credit card and could not get into my account. I was transferred to a guy named " XXXX XXXX '' phone number XXXX ( he gave me this phone number ). He said his ID was XXXX, XXXX and wanted to show me that my computer was hacked. He claimed to have detected viruses, other malware, or hacking attempts on my computer. He asked me to give him remote access to my computer. XXXX me did. He acted like he was giving me {$500.00} back when he " accidentally '' gave me {$50000.00}. He then wanted me to go to my bank and send him a cashier 's check immediately. I could not do this, so he said he could take back {$25000.00} " today '' and would need to back the rest " tomorrow. '' When he did this, he said if my bank calls, just tell them that you were investing money. That is when I immediately hung up and closed my computer. I checked back later, and he transferred {$50000.00} from my savings into my checking to make it look like it was initially theirs. He gave me his information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX He took {$25000.00} out of our checking account, which we had worked hard for. I am now so stressed out. How do I get our money back? Please, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being taken advantage of by XXXX, Equifax and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card

I used the CareCredit credit card, which is an affiliate of Synchrony bank. The original reason why I opened up this credit card was to pay or to help pay that bills and then I needed to use it a few years ago to deal with medical expenses, but I can not pay immediately out-of-pocket. Well I understand that theres a set interest rate for a certain amount of months that you agreed to pay it back and I could not pay it back in the amount of time that I had requested to have paid it back. This resulted in extreme interest rates being charged not only to previous charges, but XXXX charges post that. so for example, the first charge I had made on it, which I had agreed to pay back in amount of amounts was charged an extreme amount of interest, and then the second charge had me that I agreed to pay in a certain amount of months is also a charge of extreme interest. The point that at one time it was an interest rate of over {$2000.00} posted to my account. I understand interest charges are necessary for credit cards. I think it is absolutely horrendous of a credit card company thats supposed to help people pay medical bills to charge this much interest. Not only do I need to pay back the amount I charge but the interest rate that they charge me annually per month, which is around {$500.00} is now added onto buy the extra {$2000.00} they just charged. At this point I do not know how Im going to pay not only interest charges back but the original amount charged. Had I known this I wouldve never opened up this type of credit card. I wouldve found a credit card with XXXX interest rate and more substantial, attainable interest rate to pay after that interest rate of 0 % was up. I am just a XXXX XXXX  that makes an honest living but unfortunately due to health issues I can not pay back all I owed on my medical bills and thought this card was something that would help me. Unfortunately, its just add on about {$8000.00} more to what I had originally charged which is not helping me financially. I just find this very upsetting at a time where unfortunately I had no other choice but to charge medical expenses. Going forward I hope that people will think twice about using this type of credit card and hopefully I will be able to resolve something in order to pay back this amount of money owed.
Product: Student loan

The student loan company NAVIENT calls my phone at least 6-8 times a day. I have already spoken with them on multiple occasions about this particular loan. They will NOT STOP calling and harrassing me! I have heard that there are many other people experiencing the same issue -- if I block their phone 3 that they are calling from, they just use a different #. They do not leave a voicemail, instead they continue to call every hour ON THE HOUR!!
Product: Bank account or service

I have been asked to send a letter disputing a charge from XXXX FL for {$33.00} on XXXX/XXXX/2015. I did not authorize this transaction or signed any receipts. I can say I was at such place and have been there before but this transaction was not made by me. I put my card down for purchases but did not purchase anything. Please credit account ASAP. 
A concern I have is that I was never notified of denial of dispute. If I would not called today then this dispute would have never been resolved. I was told the reason it was denied it was because " I did not provide any documentation ''. Also I never received any paperwork in the mail. Well there is nothing to provide since I did not sign any receipts. You guys ca n't just go around denying customers claims and thinking nobody will call back and in this particular case deny it on a basis that it needs documentation from me. What happens if the customer does not have any documents you just deny the claim it sounds wrong!!! Somebody is not doing his or her job correctly and this needs further investigation. How about calling the merchant and asking them for signed receipts!!! Why do n't you do that? I did not do any pin confirmation either. Talk to the person who did the dispute and I think this is the person that needs to be looked at. I do n't ' think this person is doing his/her job properly. Maybe is time to let this person go because is causing customers accounts to be closed. 
I want my credit on my account. If I do n't get a credit I will close it and further complaint to the XXXX, FTC, and CFPB and let them investigate your practices and maybe they will find out you are not following proper rules. I will raise hell if I believe you are not handling my account correctly. I will make sure somebody is accountable. You are messing with the wrong person when it comes to my account. 
Sincerely, XXXX XXXX