23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Specialized Loan Services ( SLS ) has been using multiple tactics in an attempt to steal my home. Let me explain.. When I provided proof & documents showing that funds I paid in excess of over {$10000.00} were never applied to my account, I was disregarded and passed from Agent to Agent. This issue was never resolved, so after multiple attempts, it seems I have been robbed of my funds with no accountability from my Mortgage holder. 
In 2023, XXXX of XXXX, provided funds to clear my past due balance and provided me with a few months of payments going forward. SLS stole those funds. They took the money and would not apply it to my mortgage. It was not until I reported the theft to XXXX XXXX XXXX that the money was then applied to my account. That incident was in XXXX, XXXX. 
SLS is purposely misreporting the late months on my credit report.

SLS tricked me by changing my MIR from 3.5 to over 7 %. I had the same interest rate for over 23 years. SLS, never mentioned once that they changed my interest rate, i just found out in XXXX of XXXX. In XX/XX/, SLS marked my home with a Vacant sticker, all while communicating with me once a week and assigning me to a person named XXXX. SLS, hired a 3rd party company to post a notice on my door all while I'm living here! This was an attempt to humiliate and embarrass me among my neighbors, family & any visitors. Another attempt to Bully me out of my home. I reported the Vacant Sticker issue to FHA and per usual, SLS lied & denied but I had my proof. My glass door is also permanently damaged from whatever agent was used to seal it to my door. I have requested for my Lender to replace my door but that has not happened either. SLS, every month, for as long as they have had my loan, has charged me a {$20.00} field service fee to my account. 
I am currently in the XXXX  program and SLS will be issued a check for my past due balance. SLS is very aware that I am in the program and of the process time that it takes. SLS, put me into foreclosure a few days ago, in an attempt to garner more money from the program through fees. SLS has over 8,000 complaints against them. I honestly do not understand how this predatory company is still able to practice and has not been stopped. Everytime I let them know that I am going to report them. I am thrust into or threatened with foreclosure. My Lender has even shamed me for getting additional assistance, The more I complain. The more SLS retaliates against me.
Product: Debt collection

( PORTFOLIO RECOVERY ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UP TO {$1000.00} PER VIOLATION UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( PORTFOLIO RECOVERY ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.
Product: Checking or savings account

I filed a dispute on a transaction made in XX/XX/2023 with Citizens bank in the amount of {$620.00}. I paid for XXXX concert tickets and the tickets were invalid/fraudulent. Citizens bank has NOT provided me a provisional credit and it has been over 10 days from the date I filed a dispute!
Product: Debt collection

Midland Credit Management Inc. has contacted me via telephone and contacted me via mail about a debt owed by another company not related to midland credit management Inc. There was no valid contract between me and Midland Credit Management Inc. They have not file suit in the state of Virginia in the XXXXXXXX XXXX XXXXXXXX, VA the amount of {$1000.00}. I wasn't properly served the Debt in Warrant paperwork and not being forced to go to court for a debt I do not owe to Midland Credit Management Inc. They are now reporting this information to all 3 credit bureaus and damaging my reputation and credit.
Product: Debt collection

This company called me twice in XXXX days and left voice mails where they did not identify themselves but saying they were calling in reference to an " active order vlocation being processed against me. '' I called back and they informed of a debt for a Citibank card that I dont recall ever having. They said it was opened with an address in XXXX, NJ where I never lived. They offered me a settlement and when I requested documentation regarding the original debt, they sent me the settlement offer and said if I didn't agree they would turn my case over to the state of NJ and first I would have to go to court, but then they were going to garnish my wages. I told them all I wanted was documentation so I could verify that the debt was not mine, and they kept saying they were going to turn my case over to the state of NJ. The company calls themselves XXXX XXXX XXXX and the person who kept calling me is named XXXX XXXX of XXXX XXXX XXXX XXXX. Phone numbers he called from include XXXX or XXXX and a local number XXXX.
Product: Debt collection

XX/XX/XXXX, we purchased a car from XXXX XXXXXXXX XXXX  XXXX XXXX, and paid portion with a credit card and a check. {$5000.00} on the Credit Card, and {$14000.00} by check. 
The check was fully collected on XX/XX/XXXX without an problem. 
Qualia Collection Services XXXX XXXX XXXX XXXX, CA XXXX Sent us a collection of {$700.00} in th of XXXX XXXX in forformerr check us returned, and this is a penalty for the default on the check. 

I have contacted the collection company and informed that my bank never rejected the check. 
Qualia Collection Services, where persisted that we must pay the account # XXXX if we don't want this collection on my credit report. 
So I come to you CFPB, to help stop this and protect others from this scam.
Product: Debt collection

I received a threat to sue me and get a judgment for and foreclose on my HUD reverse mortgage because the accrued interest and charges are exceeding the original loan amount. A reverse mortgage is exempt from any such action and can only be foreclosed if the borrower does not pay all the required property taxes and insurance. This company has illegally and improperly force placed additional insurance on my home even though each time they have requested additional insurance I have increased the amount and paid the additional premiums to my insurance company. My last statement from them includes an amount of {$110.00} charged to my account and {$100.00} refunded for the alleged " shortage '' in my insurance.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Owed : {$390.00} XXXX XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$0.00} 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: Mortgage

PNC Bank improperly removed XXXX  from my account to pay a mortgage payment that was not due. I have done automatic bi-monthly payments on the due date and have been 1/2 payment ahead for almost 5 years.  Although I know its a glitch in their system, they have refused to reverse the payment prior to an investigation even though they are well aware that my regular payment has already been made. I have never missed a payment and this change to their procedure on my account was unnecessary.  Since they will not immediately return the money that was not due them, I think from a legal standpoint, they have converted my money and have committed theft. They have now advised that the funds will be returned to my checking account in 5-7 business days.  I am questioning the method on how this is being handled.  If this was a third party fraud, the funds would have been conditionally returned to my account immediately.  Since it was PNC who committed the fraud, it make no sense that they are keeping the funds pending their own investigation. PNC is well aware that no payments are due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a settlement offer from XXXX for Loan # XXXX to settle the account as paid in full for {$210.00}. They advised they would reduce the principal loan balance by 30 % and wave the remaining balance fees and interest. The offer had an expiration date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a payment for {$210.00} and received a confirmation that the payment had been received. When I login to my account the loan status reflects that the loan has been 100 % paid off as of XX/XX/XXXX. 

My credit report with Experian and XXXX  reflect that I still have a balance pending of {$93.00}. I submitted a dispute and they came back saying the balance pending is {$110.00}. XXXX continues to reports this incorrect information on top of that saying my payments are past due and reporting a late payment every single month which is destroying my credit. I reached out to XXXX directly on XX/XX/XXXX and they refuse to remove and fix the issue. I submitted the documentation such as settlement offer and proof that the loan has been paid. I also submitted bank statement showing the payment cleared and even a screenshot of my XXXX account showing it's been paid off 100 % I emailed back and forth with at least 4 people and they all refused to fix it. Experian also refused to fix it even when I submitted documentation proving it had been paid off.
Product: Checking or savings account

My XXXX XXXX Account was defrauded of {$1000.00} and my Bank, Bank of America is not willing to help me with this fraud claim. I have attached a police report and fbi report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit dispute is in regards of account number XXXX for a XXXX XXXX XXXX. This account was assigned to XXXX and XXXX XXXX. We created autopay so we would avoid any late payments. When autopay was set up they did not inform us about the last payment not being accepted by autopay. In which the last payment on XX/XX/2018 was missed. If this would have been stated, we would have made that payment to avoid any negative reports sent to the credit bureaus. During our account we have not missed any payments, so our history demonstrates that we had a good credit standing until the last payment.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I made a transfer from my Venmo account ( XXXX XXXX ). It automatically transferred an account connected with my Venmo account. However, the account was closed. I was able to get the bank statement which clearly shows XXXX returned the money. However, it was not returned to my Venmo account. 

I talked with Venmo three times, and they are telling me they have power to help resolve the problem because the bank received the transfer. Venmo sent an email, with instructions. ( I attached the email from Venmo as well as the statement from XXXX XXXX. ) However, that was an account my ex-husband had prior to our marriage so I still can not get answers. I was forced to borrow the money from a pay day loan place to pay my rent. I had to borrow money from a pay day lender to make my payment. 

I believe that Venmo has the responsibility and the capability to trace the transaction and ensure that it is returned to my account since XXXX returned the " transfer ''. 


The deposit on the bank statement is for {$2200.00}. 

Please help me resolve this. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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

Dear TransUnion There is information on my consumer report that is a result of identity theft. I did not provide written permission for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be block and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

BANKRUPTCY filed XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$670.00} XX/XX/XXXXXXXX XXXX {$600.00} XX/XX/XXXX XXXX - XXXX XXXX  {$300.00} XX/XX/XXXX XXXX XXXX {$700.00} XX/XX/XXXXXXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXX  {$300.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX$380.00} XX/XX/XXXX DEPT OF EDXXXX {$1700.00} XX/XX/XXXX DEPT OF EDXXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX {$140.00} XX/XX/XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I was applying for a mortgage loan. When I pulled my credit report I saw there was an error reported by Capital One credit card. Capital One reported a " Late Payment '' on all three major credit reporting agencies that cause my scores to drop more than 100 points from XXXX down to XXXX. 
I contacted Capital One consumer department to find out what happened with the error in reporting. I spoke with a customer representative name XXXX. 
XXXX told me that the late payment was reported due to the fact that they billed me for annual membership fee. However, Capital One admitted that they never notify me nor send out any statement billing to allow me to pay for that fee. 
I paid for the fee ( payment confirmation # XXXX ) to keep my account status open. In addition, I complaint to XXXX about the reporting errors with the credit reporting agencies. XXXX went on to apologize for that error and told me that he went ahead and sent an update to the 3 major credit reporting agencies to " remove '' the late payment status. 
However, I just recently order a new credit report to find out if the errors have been remove but those errors are still reporting as 30 days late. I have a recording of our conversation with XXXX from Capital One.
Product: Debt collection

I had XXXX XXXX as my electricity provider. When another resident went to move out and call XXXX to transfer/cancel service from XXXX some how XXXX took my apt number and turned off my service with them. I did not authorize this and I was not moving and or switching service to anyone else. XXXX then turns around and informs me all total charges and my balance billing charges had to be paid upfront before I could continue my service with them. I spoke to supervisor after supervisor I've filed a complaint with the XXXX. I am still currently working with XXXX  on trying to from a resolution to this mix up and error that had occurred. Because another resident who was moving out gave the wrong apt number. Today this date I still have not been told by anyone or any collection company about this account going into collections I've never received any type of notices or anything about this account being charged off and sent to collections. But the collections company who took this account has decided to place this account on my credit report without giving me notice and or validation and before a resolution being provided by XXXX.
Product: Credit reporting or other personal consumer reports

How is XXXX & Experian verifying the information listed as XXXX XXXX when the account has been deleted from one report. The consumer agencies must maintain 100 % accuracy and it must match across the board but this account can not be verified because the current account is involved in litigation with me and therefore this account can not be included on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had missed payments on a couple of accounts, but there were discrepancies in the payment history, date account was opened, highest balance, last payment made, credit limit, and account closed date. Consumer Reporting Agencies have a responsibility to report consumer information with maximum accuracy and to the best of their ability. According to 15 U.S Code 1681e of the FCRA, if any information is not reported with maximum possible accuracy it should be corrected. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I request that these payments be updated to paid on time, as I believe I was never late. 

If it is proven that was in fact late on these payments and the discrepancies are updated on my report, please be advised that according to 15 U.S Code 1681a ( 2 ) ( a ) ( i ), transactions arent supposed to be included in my consumer report. Therefore, late payments should not be reported on any consumer report. Please remove the late payments associated with the accounts. 


The accounts that reflect the inaccuracies and discrepancies are listed below : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information has not been validated. They have caused me to be denied and not been able to secure financial stability for my family. I have disputed this information more than 4 times and it does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file.

This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Product: Credit reporting

I had paid for credit bureau freeze service from Equifax a while back. I was then provided with a PIN that would allow me to unfreeze my credit report and allow the Equifax credit score to be accessed by a lender. That PIN has been lost. On XX/XX/2016 - as outlined in the bureau 's procedure I sent copies of D/L and Passport and a {$5.00} check to request a replacement PIN. On or around XX/XX/2016 - the check was cashed ( cancelled check image attached ) BUT I have not received a replacement PIN as yet. I have applied for a mortgage on XXXX so I desperately need the replacement PIN. I had the same issue of lost PIN with all XXXX bureaus : XXXX and XXXX had adequate customer service to solve the issue on the same day. Equifax is an outrageous outfit that should not be allowed to earn any revenue on value added services such as file freeze UNLESS they have adequate customer service to support them. Lost PIN is a common customer experience instance and Equifax has no adequate / fair way to address it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed over  3  online disputes regarding  XXXX   XXXX  showing up on my credit report when I have not used their service in over 15 years. I have had a different phone  carrier  for 15 years or more and the credit bureaus have failed to listen and validate the debt. I want it deleted so that I do n't escalate this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.