23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted in XX/XX/2019 by The Professional Bureau of Collections of a Maryland via phone. I had never heard of this company before! I was informed that my student loans were in collections and that I now owed roughly {$150000.00} to their company. A man informed me that {$300.00} a month isnt going to cut it. So I offered to pay {$250.00} in bi weekly payments- a stretch on my finances already. He agreed to help me set up this plan and I provided my information. I asked for a written explanation of my loan amount and he stated that it would be mailed to me. I never received anything from this company. I have yet to receive any written communication from this company. I had to XXXX it to find that it was even a legit collections company. I am beyond mortified that the US Dept of Education would set me up with such a shady company. The first two payments were made in XXXX. I figured I was making my auto payments. However, just right before XXXX, I was contacted AT MY JOB by this collections company. I had never given them permission to contact me at my employment. As the phone was answered by a colleague, it was disclosed that a debt collector was looking for me. I was horrified, especially because I figured that we had handled this privately. I found out that this company has been contacting my previous employers phone number. Please note : I have been faithfully paying my other student loans and I have been enrolled in auto payments for years. Email me, send me a letter, but calling my job is harassment. I set up a auto payment with XXXX for {$500.00}. This time he refused to do bi weekly payments and was, once again, supposed to send me a written statement. I had to call them in XXXX to ask for the amount to be lowered to {$300.00}. I was informed this month that, no matter what, any tax refund that I get back will be theres to take ... even though I am making auto payments. I do not trust this company, as I have been frequently lied to about the amount of my debt and about my repayment options. It feels predatory and abusive. I am still waiting for a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I received a letter stating an account had been open with my social security number in XX/XX/XXXX. I had been in the hospital all through XX/XX/XXXX until XXXX  XX/XX/XXXX. The accounts continued all throughout XX/XX/XXXX and continued to receive letters every month. My name, social security, old home address and new home address where used. All the accounts showing on my credit report do no belong to me. Please remove the items. 

XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX/XXXX   XXXX {$3500.00} XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$17000.00} US DEPT OF EDXXXX XXXX {$4800.00} US DEPT OF EDXXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$420.00}
Product: Mortgage

Original application was submitted XXXX XXXXNo communication on what is needed for next steps causing important documents we are sending in to expire and having us reapply and resubmit the same documents. It has been a little over three weeks with all final Task being completed and we were advised to wait for next steps. Reached out today and was advised by the rep once again my documents have expired and needed to reapply to be considered.Have asked multiple reps within the past month to escalate my matter with a manager or someone higher up and still have not received any communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Weltman Weinberg Reis collection agency bought my debt at a discount from XXXX XXXX. My credit report states the balance on the student loan the day it was closed is {$3400.00}. XXXX  is trying to collect {$4900.00}. Under the law, collection agencies are not permitted to collect interest or late charges that may have incurred on the account before it was sold to the collection agency.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report today and discovered a hard inquiry from several companies. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Also, my information was part of a data breach with several companies XXXX XXXX XXXX XXXX, XXXX XXXX ). 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response. 


Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress.

Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it.

The late open account issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open account on my credit report to accurately reflect my payment history and prevent any further damage to my credit score.

A written confirmation of the resolution, including the date when the correction was made.

An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities.

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. 

I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX  Balance Owed : {$12000.00}.
Product: Bank account or service

I had started a loan modification process with Suntrust, they immediately started reporting damaging and wrongful information about my account while being under loan modification process, which by law they ca n't! XXXX Suntrust requires you to NOT pay your loan for the XXXX 6 months to qualify for loan modification, so that they can start loan modification process, meanwhile they were submitting to credit bureau that i was behind 160 days then XXXX again and on & on. I got fed up with their loan modification process, I ended up selling my home and " paid off '' Suntrust in full along with their hefty loan modification attorney fees and any other fees they conjured up to rack more money. I informed them numerous times to correct the wrongful damaging, negative & hard hits placed, they said they would, to date they never have! I have letter from them saying was an " error '' they need to correct this and fix my damaged report along with all hard hits & negative hits once and for all!! And I want more then an apology!
Product: Payday loan, title loan, or personal loan

Hi, I am writing in regards to the Company Goodleap who teamed up with a fraudulent company XXXX XXXX XXXX to take advantage of consumers. We were sold solar panels in XXXX XXXX and Goodleap approved a loan for a substantial amount without having a loan application. We feel they falsified a loan application just to get us approved for equipment that did not work. We were lied to from both of these fraudulent companies, and after finally finding where the loan was thru I contacted them and told them I wanted a copy of the loan application and to see what help we could get since the faulty equipment the loan was for didn't even work and the promise that it would save me on my electric bill. They advised me I would need to pay $ XXXX by XX/XX/XXXX in order to keep my loan from increasing. Our current payment for Goodleap is XXXX $ and my electric bill is over {$400.00} so we are struggling to make ends meet due to paying almost {$1000.00} just in electric. I have contacted them several times without any follow up. Goodleap has been sent a letter from the Attorney General from XXXX different states asking to hold and defer the loans due to XXXX XXXX filing bankruptcy causing havoc for so many consumers.
Product: Debt collection

On theXX/XX/XXXX company called portfolio recovery associate has reported an amount of {$1600.00} to a all 3 bureau I contacted them that it s not my account I have never ever open that account it s a fraudulent account someone open it under my name but they did not resolve the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit reports and found out that TESLA is reporting to the credit bureaus that I have a debt with them, with a balance of {$23000.00} with a monthly payment of {$110.00}. 
I have NEVER purchased anything from Tesla. 
In 2015 I installed solar panels in my home from Solar City.

Tesla bought Solar City, I was notified that the contract would remain the same, but clearly it did not.

Tesla has added a new debt to my credit report instead. A debt that does not exist. 
My original contract with Solar City is for the usage of electricity solely, produced by the solar panels. ( Panels are free of charge ). 
My contract was for 20 years, at XXXX cents per kw. " With the option '' to purchase the panels at the end of the contract at a fair market value determined by an appraiser at that time, Or, have them removed free of charge.

I contacted Tesla, they told me " they are calculating '' the electricity I will use between now and the next 20 years and that's how they came up with a figure of $ XXXX. That sounds insane, I might not even live another 20 years, let alone, predict the future to know how much electricity will be used in my home. (? ) Solar City never reported any amount to credit bureaus. Tesla needs to honor original contract.
Product: Debt collection

Still moving forward with forcloser while in review, this is a complete disregard of the law, these people are gangsters, think they are beyond the law
Product: Credit card

Ref : GAP VISA/SYNCHRONY BANK TEL : XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT HOLDER : XXXX XXXX ADDITIONAL CARD HOLDER : XXXX XXXX Dear sir/madam, this is the 3rd time with-in two years ; some one used our credit card. 
Last some one used our card {$1900.00} on on XXXX/XXXX/2016 XXXX XXXX & XXXX XXXX # XXXX XXXX MD ALL of unauthorized used affected our credit report. 
Specially my Husband 's report ( XXXX XXXX SS # *********** Would you be kind enough to help us? 

Thanks XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX NY XXXX.
Product: Credit reporting or other personal consumer reports

I trust this message thinks that you are well. I'm writing to communicate my XXXX  and present a protest to TRANSUNION with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. 
Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection.

Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, TRANSUNION will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint
Product: Credit reporting 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 XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name XXXX XXXX XXXX has violated my rights.

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: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( SLS ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although SLS is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.

Therefore, because SLS has been the designated loan servicer, I am asking that you look into the following issues :
Product: Checking or savings account

For the last 4 years, I have a checking account with US Bank, which I seldom use. For the first time ever and most likely last, I encountered a negative balance because I accidentally specified the US Bank account as the account to pay my credit card balance. This is where I found about the deceptive, predatory, cunning money making practice of US Bank through overdraft fees. So I got email alert that my account has negative balance because of the credit card payment. I immediately transferred money from XXXX XXXX account into US Bank account to bring my balance positive. But it took 3 business days for funds to post to my US Bank account. During these 3 business days I found out about the disgusting tactic of US Bank for the first time to prey upon unsuspecting consumers and snatch their hard-earned money. They were charging me a overdraft fee of {$36.00} every day until my account balance became positive. Here 's how they did it. The very first time my account went negative balance, I got charged my first overdraft fee. The transaction was cancelled but then the same transaction got initiated 2 more times automatically and subsequently charging me {$36.00} in overdraft fee each time. And worst thing was that my credit card account was not even paid. Every time the money returned to my US BANK checking account. I have banked with other banks including XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and none have ever done this scam ever in the name of overdraft. They charged a one-time overdraft fee and cancelled transactions. But US Bank kept automatically initiating that transaction and made a total of {$140.00} from an economic hardship suffering account holder in the deceptive practice. I was furious and called their customer service. After being on hold for 1 hour and 7 minutes, I got connected to an agent. After spending another 39 minutes with the agent, I only got one of 4 overdraft fees reversed. I filed complaint with XXXX XXXX XXXX and instead of fixing problem, US bank after 3 weeks sent me a letter that they did the right thing and instead sent me 50 or more pages of their phony agreements and marketing stuff, asking to open savings and credit card accounts to link to checking account for overdraft protection. This company keeps bragging about being the most ethical bank but their practice in my experience has been worst than XXXX XXXX and other banks. I simply want the unjust overdraft charges reversed. Please see attached image of transaction details. It is evident that they kept authorizing the same transaction to make money in overdraft fee where no other bank I have account with does that.
Product: Debt collection

XXXX XXXX XXXX shows up on my caller ID number XXXX calls all day and night to connect a credit card debt owed to XXXX XXXX XXXX. I answered two times both times explaining i am now out of work and will pay ASAP but ca n't do anything to i get another job which i am actively searching for. They told me that 's understandable and asked if they could check in from time to time. I replied fine but do n't call me more than maybe once a month which was agreed on. Ever since then from XXXX XXXX till XXXX XXXX everyday i recieve countless calls harassing me about the same thing and everytime i ask for this to stop they say it 's not possible. I tried everything but they wo n't allow any peace at home.
Product: Credit reporting 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. 
I told Experian, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

After a recent divorce and the reasons leading up to it, I was advised by my attorney to pull a credit report only to realize that there were many accounts opened in my name that I did not open, sign for or authorize. I have file the identity theft report with the FTC and the police report and notified the creditors and the credit bureaus. I did not hear anything back from a couple of the creditors so I followed up with a phone call to verify that they had received paperwork and to ask if they needed anything else. I was told by CapitalOne that because my wife and I had a joint checking account and that we lived at the same address that I would be liable and that they would not remove from my credit report. They could not provide me a signed document where I had opened account, was opened by wife online, and they also told me that the card had been used by me at a hotel, by me, and that they verified, also justifying that I benefited by the card staying there. I asked for hotel and date used, location and phone number. I never stayed at that hotel and was n't in that city at that time AND the reservation was made on XXXX. CapitalOne told me that it was a civil matter and to sue my x wife. It is not civil, it is fraud and I have done what I am legally required by law to do. There are 2 account numbers that were opened by her in my name with CapitalOne. CapitalOne also told me that an incident report was not evidence enough, that is what was filed when I called the police to report.
Product: Mortgage

I applied for a mortgage with Rocket Mortgage in XX/XX/2022. The loan was pre-approved and I purchased a home in XX/XX/2022. The house was supposed to close on XX/XX/2022. I was told by my broker on XX/XX/2022, the loan was cleared to close and that the mortgage closing team had contacted the lawyers to set up the time and place. this was a lie. The lawyers never received a clear to close or any contact. XX/XX/2022, I contacted Rocket Mortgage and they are not ready to close on XXXX XXXX. I was also told on XX/XX/2022 that the underwriters contacted my insurance agent XXXX times to change the effective date of home owners insurance to XX/XX/2022. My agent, XXXX, never received any contact from them. I changed the date myself. Throughout the process my mortgage broker has blatantly lied to me several times and delayed the loan due to errors by Rocket Mortgage. The latest is asking for a XXXX year residency history 3 days before closing. Information which they already had. I have contacted them to investigate all the problems and am awaiting a return call today on XX/XX/2022.