23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A XXXX XXXX XXXX is calling / harassing my wife, me, and now my wife 's mother. He is calling on behalf of Feldman & Stern, LLC out of Florida, which I believe is a company created for just these types of scam opportunities. He is telling me that I have 24 hours to pay this debt that we have never heard of. Apparently the $ 100+ debt is from their client, XXXX XXXX, which we have n't been members of for about 5 years now. We contacted XXXX XXXX and are hoping they take this to the top. This debt collector email us a letter which we asked for and it look so un-professional with many errors. FAKE ... The address listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX which is different than the address for this LLC on the secretary of state 's website for Florida. Anyway ... they gave a phone number which is XXXX
Product: Debt collection

CMRE Finance. XXXX XXXX. {$94.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Product: Credit reporting or other personal consumer reports

I noticed inaccurate information roughly XX/XX/XXXX. I disputed but was ignored. Now 2 years later, there are further inaccuracies, in addition to knowledge that I have never given my wet ink signature towards authorization of reporting. 

Violation of 15 U.S.C. 1681c-2 Alleged Identity Theft According to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft. This blocking must occur no later than four business days after the receipt of such notice. 

This letter serves to supply the FTC affidavit number and relevant documentation related to my identity theft claim. The accounts listed below are part of an official FTC filing, and I demand that these fraudulent accounts be deleted immediately from my consumer report. 

FTC XXXX XXXX : XXXX -- -- -- - Violation of 15 U.S.C. 1681b Unauthorized Furnishing of Consumer Report Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible circumstances, one of which requires the written instruction of the consumer. I hereby declare that I have never provided written ( wet ink signature ) consent for any consumer reporting agency to furnish information regarding the accounts in question.

Without my written permission, you do not have authorization to include or share these accounts on my consumer report. This unauthorized furnishing of information constitutes a violation of my rights under federal law. 

All inquiries, reported credit lines that can not provide a wet ink signature ( not digital ) to the Big 3 be removed immediately. Any reports should be scrutinized for compliance with verifiable wet ink signature on file. 

An example is included below : One reporter claims {$600.00} is agreed upon, while this document attached below, current as of XX/XX/XXXX, shows that my " obligation '' is {$280.00} bi-weekly. As these numbers are inaccurate, and the reporting unauthorized, it needs to be removed. 

This holds true for all accounts. All of them have discrepancies in credit line amount ( I was issued no credit, and have had no access to these funds at any point in time ), payment information, and certainly have no wet ink authorization from me to report.
Product: Debt collection

The company 's name is Integrated Recovery Services and they are trying to collect a debt and using and somehow getting my personal information and contacting my employer, my family members, and emailed me a letter. These people are scammers and are trying to collect a debt and pocket the money and state they are BBB accredited and they are not and that they are going to send the sheriff to my job to pick me up and/or to my place of residence.
Product: Credit card

Capitol One refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. Capitol One reports an open Capitol One Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with Capitol One briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. Capital One kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at Capital One and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet Capitol One continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.
Product: Mortgage

Follow feedback that I was not allowed to post with SPS due to CLOSED STATUS of initial complaint of response dated bellow ....
I will start my feedback by quoting that SPS states in its letter dated XX/XX/XXXX, under the Origination section : In your inquiry, you question several issues relating to the origination of the loan. While SPS services this account on behalf of the Note holder, we did not take part in its origination and we are unable to respond to the issues raised relating to the origination of the loan.
But SPS is doing just that. By accusing me of being late before I even made my first payment with them. I am not beginning with a " clean or new slate '' but forcibly picking up where XXXX erroneously placed me.
In this same letter SPS states that " I was given an introductory phone call ''. I was not. I called SPS because I looked at the reviews online and knew I better not wait for any information. I THEN CALLED SPS to get my account number to make the first payment and did so.
Lastly, this letter states erroneously that I did not pay my XX/XX/XXXXbill but then stated that my initial payment with them will be used as the XX/XX/XXXX payment.
But SPS did not regard the 3 payments that were made : One on XX/XX/XXXX through XXXX XXXX to XXXX with a fee One on XX/XX/XXXX through XXXX XXXX XXXX XXXX to SPS with a fee.
One on XX/XX/XXXX through XXXX XXXX XXXX XXXX to SPS with a fee.
I am left to believe, as I have eagerly paid SPS without fail that they are intentionally following the same chain of errors as XXXX.
Not only have I INITIATED and followed through with every payment to SPS but have sent these payments to them throught XXXX XXXX by XXXX XXXX and paying all fees associated with the most efficient, direct, and fastest form of payment.
Product: Mortgage

My lender started a escrow account in XXXX of 2021 and i have complained about it several time without any sucess. I was not deliquent in taxes nor for insurance. I did not agree to restart escrow account. Asking them to remove the escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items. ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX , GA XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$1200.00} ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX  XXXX XXXX  from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX  XXXX XXXX  from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank previously sent ftc violatons
Product: Bank account or service

My debit card was stolen by my babysitter and she overdrafted my account. I have turned in my police report and would like my monet returned to my account.
Product: Credit card or prepaid card

I have a CareCredit card with Synchrony Bank for as long as I can remember, and never made a late payment or went over the limit. The cars currently sits with XXXX balance. My credit scores are over XXXX depending on the bureau and my salary is over $ XXXX per year. 

Now. I applied for a Verizon Credit Card issued by Synchrony Bank on XX/XX/2020. My credit bureaus are usually frozen as a personal choice to protect myself. I unfroze XXXX  and applied. I got a credit pull but the application said Id receive a letter. They didnt mention approval. 

I had to spend about 30 minutes calling different numbers at Synchrony Bank and getting transferred, until finally I was connected to the department in the bank that deals with the Verizon card. After a while, and using my social ( not the confirmation number ), the lady said the credit check was not done and to please unlock XXXX, so I did. I got another hard pull on XXXX  this time. She immediately transferred me to another person who then told me Id receive a letter in the mail, but no answer. So far I have 2 hard pulls on my credit reports and no answer. 

I called again and a person finally told me my application was denied, without providing any information. I asked to speak with the lending or reconsideration department because the bank could easily either convert my CareCredit card to a Verizon Credit card, or transfer enough credit line to open the new account. This person stated there was no such thing and there was nothing that could be done. 

Synchrony Bank acts like a XXXX it seems. They ruin your credit by doing 2 hard pulls and at the end you dont get anything. This is completely unacceptable and they should be held accountable.
Product: Credit card or prepaid card

I purchased a washing machine from Sears. When I received the first statement it was advertised that if I opt for a " paper-free statement '' I will get {$5.00} statement credit. O made that selection through the Sears credit card website but did not receive any credit. I called the Sears credit on XX/XX/XXXX and talked to operator by name XXXX who said that the credit would appear after XX/XX/XXXX. I printed my statement from the website yesterday, XX/XX/XXXX and there was no any credit.
Product: Checking or savings account

I was contacted yesterday ( XX/XX/year> ) via text message from number XXXX identifying as a Chime alert text claiming a transaction for {$420.00} was attempted at XXXX and to confirm or deny whether it was me. This has happened before with fraudulent charge attempts with my chime account so I thought nothing of it and replied no. I then received a text that I was going to get a call from a Chime representative. I got a call from Chime Financial phone number ( XXXX ) and spoke to a supposed agent for 32 minutes before being scammed out of XXXX dollars. Come to find out it was actually a scammer mirroring Chimes number that called me. They claimed there was 3 attempted charges made using my account and that there was automatic transfers to XXXX XXXX initiated. They claimed they were going to help me reset my information and resecure my account. They then gained access to my account and transferred {$640.00} dollars of my money which completely drained my bank account of all my money. My money was transferred to a chime account by $ XXXX without my consent. I have no idea who XXXX XXXX is. As soon as the money was transferred over I was hung up on and the phone call was cut off. I contacted chime and filed a dispute so I thought they were going to help me get my money back as Ive used them as a bank for over 4 years. Within 24 hours they have denied my dispute and told me that I was at fault for authorizing the transaction. I never authorized this transaction and never intended on paying anybody any money, I simply thought I was securing my account so that no other fraudulent transactions were made. I dont know what to do at this point. I contested the dispute denial and reopened another dispute today ( XX/XX/year> ) but I dont have much faith that Chime will make this right as they pretty much called me a liar and said I was responsible for getting scammed. Please help me to get my money back.
Product: Credit reporting or other personal consumer reports

*To update status to all credit reporting * delayed processing Equifax XXXX XXXX XXXX
Product: Mortgage

I have a va loan through pennymac mortgage. For the past 6 months since the covid 19 benefits have started to be taken away, the forbearance plan that my house is in since XX/XX/XXXX, is set to end on XX/XX/XXXX of this year. I separated from the XXXX in XX/XX/XXXX and I started working out of state in Texas. My home is located in XXXX Mississippi, unfortunately this out of state working has cost me more money and I have taken a significant pay cut since I left the XXXX. 

When covid hit, I put my home in forbearance and haven't had the money to be able to make a payment for the entirety of the plan. For the past 6 months pennymac has been contacting me through an automated phone service. I applied for a mortgage assistance plan with the basis of it stating that I wanted to extend my mortgage out and bring my loan current so the payments could lower. 

They recently told me, for the first and only time that I was called by a human, that my application for modification was denied. Because of insufficient cash flow. Which was the entire reason I submitted the application in the first place. I can not for the life of me get ahold of an actual person at pennymac or anyone on my point of contact team. The numbers they list on their website either don't work or never get to an actual person. 

I'm sorry that this complaint is so long but this has been unbelievably frustrating not being able to get any kind of help from the company that promised to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are a few inquiries on my credit reports that are fraudulent. It is for XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

At the beginning of XXXX, I went to send my son XXXX XXXX some money when I tried to send it, my account was blocked from receiving and sending. I was a little taken back when the customer service gave me a code 1007 and told me to call the western union. I called WU on XXXX and they gave me an email XXXX and I sent them all of my information, new address, date of birth and everything else. There is not a number to call and speak to someone in that department. So basically one is sharing personal information with an email. I would really appreciate some response. Very disappointed they still have yet to call me and explain that my account has now been unblocked. I have worked so hard and I send money at all times, still have not heard from anyone. I started from XX/XX/20 through to XX/XX/20. I have spoken with an XXXX XXXX also, I am very concerned not getting a response.
Product: Credit reporting or other personal consumer reports

I presented All 3 credit Reports to the CEO of Experian, XXXX, and XXXX detailing all inaccuracies in detail with the derogatory and wrong information circled and specified in full disclosure circled each item, date, and inaccurate account. There were over 99 errors between my 3 reports alone, I sent all the appropriate codes to support my claim in affidavit form, I have not heard or received any Remedy, but I am being retaliated against by the Creditors and the Credit Bureaus. One of my accounts was closed for exercise my Federal rights. I ask that you as the number one credit agency come in and bring closure to this situation through a thorough investigation and have all information updated for accuracy across all 3 bureaus and negative information removed per the CFRA. And I am also requesting a updated copy of my report ( s ) once investigation is finalized?
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance {$1700.00} XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX Balance XXXX {$1800.00} XXXX XXXXXXXX Balance : {$52000.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Balance XXXX {$1600.00}
Product: Debt collection

The said accounts were not open by me. And any contract bearing my signature was not signed with my own hand and is fraudulent and COAST PROFESSIONAL continue to attempt to collect on a debt thats fraudulent after notified.
Product: Vehicle loan or lease

I bought a car from US auto. In XXXX of XXXX pointing in in XXXX, they apparently went out of business and sold all contracts to under the XXXX when I was contacted by Westlake inc. The amount of the balance that they told me that I owe was the amount that I paid for the car so I reqtest it a copy of the original contract. The car was a XXXX XXXX XXXX, which cost me {$12000.00} and. At the two and a half years, they're saying that I still owe that amount on the car even though they have repossessed the car Period I was never contapped it by USA auto 's telling me that they were selling my loan to another company. And the company that they sell the account to XXXX XXXX. When they contact me, they were telling me that I still. Oh, almost {$13000.00} for this car that I have been paying out for. The last two and a half years which my I should have only had XXXX XXXX dollars left on the car
Product: Debt collection

Hello My Name is XXXX XXXX, I bought a used car XXXX XXXX on XX/XX/XXXX from a XXXX dealer called XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, IL XXXX. 

I checked the car ( XXXX XXXX ) outside the dealer and it had lot of issues and tried to return it by the first month but the dealer convinced me that they will do a huge discount on it, thats why my loan started after 6 months since I bought it as compliment from the dealer to me, but later on I was behind for one time and the car was broken, I fixed it and paid more money so I was late gain in my payment one more time but not consecutive, I went back to their web site as I used to pay the payment that I missed I could n't find the car account on the website, I called them they said they want to take the car because they are doubting my ability to pay and they will put it into auction. I called them again and again to take the money for it and every time they say ok we will tell you how much exactly since we don ; t have the full payment on it because other dep. involved in it since I 'm paying for another one from the same dealer and have no issues with it. 

later on I was out using it and I could n't find it, they towed it without my notice at a private area XXXX in XXXX XXXX, and moved it to the auction without my consent and sold it for pennies, I was owing XXXX on it since the dealer scammed me and did n't lower the price a penny, now I do n't know how after they sold it without even calling me or send me any mail or email I still owe them $ XXXX. 

I found them made a charges on my credit file while they did n't contact me by any mean, I have been trying to call the creditor that on my credit report file but they have a wrong phone number for a summer camping resort! I called the dealer that this is wrong and I 'm welling to delete it and pay installments but unfortunately every time I call the dealer they transfer me and they hang up on me. 

creditor data as on my credit file from credit wise ( screen shot ) to prove is attached by wrong number
Product: Mortgage

I have been unemployed and faced hardship with my mortgage payment. During that time I have been a full-time student working toward my XXXX license. With COVID-19 and my experience, I have been able to gain full-time employment checking temperatures of workers entering the building. On XX/XX/2020 I contacted Shellpoint to discuss arrangements on my past due balance and was advised they couldn't help me and that my property was in foreclosure. My past due amount is {$12000.00} I would like to pay {$7300.00} today and get assistance with the remaining {$5100.00}. Please help to resolve this issue. 
Thank You XXXX XXXX
Product: Credit card or prepaid card

I asked Fifth third bank to investigate certain irregularity regarding a credit card account. 
The Bank replied in a letter ( see attached ). They informed me, that I am " responsible for this account and any payment due ''. 
This would apply if it was my account or a joint account. 
However, the owner of this account is my ex-husband. My name is shown as 'User ''. ( see attached printout of the Bank 's internal document ). 

Just a small detail : The owner re-opened this account ( XXXX XXXX ) after years of inactivity, he did not name me as authorized user. The Bank did not send me a card for this account. 

Authorized user - is someone who is approved to use the credit card, but is not responsible for the credit card balance. 

So, the Senior Vice President of the bank ( he signed the letter ) is holding me responsible for something he simply can not. And he should know it. 

This account was provided to the credit agencies, which drastically decreased my credit score, because the owner of the account failed to make payments.

Because of the drop in my credit score, Fifth Third Bank drastically reduced my credit limit on my own credit card, even though I always keep low balance, have no late payment and always pay more than the minimum monthly payment.

My credit score before the Bank falsely reported this account to the credit reporting agencies, was : XXXX : XXXX XXXX : XXXX XXXX : XXXX. 
Now my score is XXXX.
Product: Vehicle loan or lease

I went in and looked at my account and saying that I had a late fee. That shouldn't be on there. It says that if I didn't make a payment by XXXX. Third I will be charged {$25.00}. However, I see it on there today that there is a {$25.00} charge and each month. I have had a XXXX XXXX dollar late fee on there. When I spoke to the representative XXXX. He said that it's because I had an unpaid late fee on my account. I asked when and he told me back in XXXX and then again and XXXX of XXXX. However, I told him I made those payments and even had a refund of a late payment fee that was not supposed to be charged on my account. And he said it was just the system and the way it is. And I would need to make a payment before the late payment fees due. And then everything will work itself found and I still didn't understand.
Product: Consumer Loan

This debt collector calls and comes to my home and harasses me at my place of living..