23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I kept getting denied for credit do to past due accounts, delinquency. I have never had this so I checked my credit reports and XXXX is showing me as to having a synchrony Mastercard through PayPal as of XXXX 2023. Synchrony wrote it off as of XX/XX/2023 do to no payment made. I spoke with PayPal and they assured me I had never had this card. I had a dispute with XXXX that came to the conclusion I was correct and had accurate statements. However this is still on ym credit report. How do I make them take it off??
Product: Checking or savings account

On XX/XX/XXXX an ex of mines stole my card. They also went ahead and stole my phone my wallet accompanied by my debit card. I contacted Wells Fargo Bank as of Monday in order to to inquire about my lost card as well as transactions being made on to my account that weren't authorized by me because my card was stolen. I was told that would be checked into and that funds will be directed back into my account after investigation is done. I checked on my account multiple times throughout the week without any type of reach out from Wells Fargo, then on XX/XX/XXXX I reached out to Wells Fargo claims department and they told me that my claim was going to possibly be denied although it was still open that my claim was going to be denied because the ATM transaction withdraws were authorized because he had my ATM pin beforehand. I have a police report number, I have my attorneys number, and I have all documentation from reporting the fact that my things were stolen on that date. When I told Wells Fargo this they still told me that they were not able to reimburse the charges over to me because they claimed they were authorized and valid I asked to speak with multiple people as well as multiple people to take legal action against Wells Fargo because they are being fraudulent as well by letting these charges go through on to my account.. when I was transferred over to a supervisor and let them know that I needed information in order to take that legal action against them they then told me that they were disconnecting the call and hung up on my face I have recordings of this as well as I have again all documentation of the report and of the theft the amount that I am filing a claim for is {$400.00} I need help with this because Wells Fargo is crooked and they are not trying to help me this has interfered with my rent and my living status as well as my food and my transportation please help.
Product: Debt collection

Collection Bureau of America , Ltd. ( CBA ) is attempting to collect a debt on behalf of XXXX. In XXXX XXXX they sent a collection notice. The notice stated that I owed for water bottle delivery. I called them right after receiving the notice to dispute. Information was faxed as requested. Furthermore, I contacted XXXX directly. They picked up the cooler and was told that the account was going to be credited out. Fast forward 8 months later, Collection Bureau of America never advised of the dispute paperwork sent neither did XXXX. I get an alert from XXXX there is a negative trade line reported to my credit. I called them XXXX/XXXX/XXXX and they told me that they were collecting this debt still. 

When contacting them, they told me they mailed me a notice in XXXX XXXX. A dispute was faxed and discussed with their agent. No followup from them after this dispute was sent ever occurred. 

This is not a fair and in my eyes an illegal way of handling this matter.
Product: Mortgage

On or about XX/XX/ 2019 Specialized Loan Servicing modified my mortgage loan. 

While I was doing research I found Monthly Distribution Reports which are provided by XXXX XXXX, the Master Servicer of the trust that my mortgage loan is said to be a part of. These Distribution Reports are reports report on all aspects of these loans so that the IRS and the Trust can see what is going on. 

Surprisingly to me the information I found has a lot of discrepancies. Either XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and Specialized Loan Servicing are defrauding the IRS and the Trust or they are defrauding me. Either way I suspect some fraud on their part like I have always suspected. 

I have attached the Loan Modification Agreement, copies of the pages of the Distribution Report that is pertaining to my mortgage loan ( note that mortgage identifier is my originating mortgage loan number which is XXXX which you can verify on my Note which is also attached here to XXXX. 

You will note that the Principal Balance also called Actual Balance has a discrepancy of {$52000.00} The Balloon Amount listed on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$500000.00}. 

The Deferred amount on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$140.00}.

It is clear that there is some type of fraud that is involved in these documents. My Modification Agreement should be reflecting the amounts that are listed on the Distribution Report which is suppose to be the documentation everything is based from.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly a collection/charge off in the amount of {$2600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full years ago and should not be reporting on my credit report. This incorrect reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card

There was fraudulent activity on my card. The credit card company did an investigation and it was ruled in my favor. But I cant the these funds returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this creditor to run my credit I have never heard of them nor request credit with them.

Creditor Name : SYNCB/GAP Inquiry Date : XX/XX/XXXX Removed By : XX/XX/XXXXType : National Credit Cards/Airlines
Product: Consumer Loan

My daughter wants to return her vehicle 7 months early and payoff the remaining payments on her lease. XXXX is now telling us that we could be responsible for the difference between what they can sell the car for at auction and what the residual value is. Therefore, I will be at their mercy and could wind up with a bill of {$5000.00} or more. We are totally at the their mercy. I have turned in leased cars before and have never experienced anything like this. They have absolutely nothing to lose. Sell the car for {$5000.00} and stick the consumer with the difference. I do not know how this practice is actually legal. I want all consumers to be aware of dealing with VW and what you can possibly be up against.
Product: Bank account or service

External Bank Transfer of funds from Associated Bank to XXXX. On XXXX XXXX, I scheduled to have {$530.00} transferred from Associated Bank to XXXX. The transfer was selected to go through on XXXX XXXX. I have transferred money a few times and never had issues receiving the funds on the day of transfer. I checked XXXX on the XXXX and saw no deposit. I checked Associated and the funds were pulled out of my account on XXXX XXXX. I waited until the XXXX and still saw nothing. I called XXXX and was told there was no funds being deposited into my account. I then called Associated who told me that the funds had been pulled, and were processing at the Federal Reserve and I wo n't be receiving them until XXXX XXXX or XXXX. I asked for the Federal Reserve number, and was told they do n't have one. I requested to cancel the transfer and was told I could not. I do n't know where my money is. This has never happened in the past, and I know the information Associated provided was a lie.
Product: Student loan

In  XXXX  of  XXXX  I was granted deferment on my loans when I enrolled full time in school.  XXXX  of  XXXX  I began receiving letters that my loan payment was overdue. I tried for one week to get answers in regards to these notifications, but every time I called the " system was down '' and they could not bring up my information and assured someone would call me back soon. Finally, on  XXXX   XXXX , of   XXXX   I was assured that my account had always been in deferment and I was to ignore the emails and letters. Today,   XXXX   XXXX   XXXX  , I was informed that my co-borrower has received notification of payments being over 160 days past due and that consequently their credit has been negatively impacted. When I called the company today I asked to speak immediately to a supervisor. The phone called last for 21 minutes,  19  of which I was on hold. The supervisor came to the phone to tell me the " system was down '' and she could not pull up the necessary account information. I demanded someone return my call today because this was not a matter that could be ignored any further and she laughed and said that would not happen.     Additionally, I have never had a smooth transaction with this loan company. I was so happy to get out of business with   XXXX   and switch to my credit union because I thought I would n't have to worry about being conned. Each time I have requested sums from my loan there has been some sort of issue ( i.e. the database showed I had exhausted funds when I still have {$12000.00} left, the payments were late to the school thus causing me to be locked out of my school accounts  ) . I have always paid my loans on time and with no issues. I would simply ask the same out of the company I will be indebted to for the next  twenty  years of my life. I have always treated representatives with respect and appreciation for their help. But today, enough is enough. My co borrowers have now been impacted but irresponsibility I have no control over.
Product: Debt collection

Written letter XX/XX/2019, saying XXXXXXXX XXXX authorized them to collect half of a debt that I have never seen before in my life. Most recently I was a XXXX customer, it's been years since I've had a XXXX XXXX   account.
Product: Checking or savings account

XX/XX/XXXX I was told XXXX would be processed in my account by the XX/XX/XXXX Never got I got emails saying they sent XXXX checks to my house Did not I need my money A technician name XXXX contacted me but never returned my funds to my account XXXX XXXX at XXXX an {>= $1,000,000} Never seen my funds in my account Then XXXX checks {$70000.00} as XXXX XXXX Never received My email address for chime is XXXX XXXX XXXX on old account XXXX XXXX but my account number is the same
Product: Debt collection

The associate at First Equity Alliance was very condescending and spoke over me in my attempts to get documentation mailed to me for confirmation. He was very rude and unprofessional. To act as if they are mediators yet berate the consumer is uncalled for.
Product: Credit reporting or other personal consumer reports

XXXX offered a settlement for their breach but it is not easy to access services. 

" You may access Identity Restoration Services after the Settlement becomes effective, whether or not you make a claim under the Settlement. For more detailed information, see FAQ 11 '' XXXX does not make these services easily accessible. There are no clear instructions on how to get this. Also they offer free credit monitoring until XXXX. There is no easy way to obtain this.
Product: Credit reporting or other personal consumer reports

15 U. S. Code $ 1681-c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit card or prepaid card

I got a Serve Debit Card. I had it registered and I loaded the card with {$500.00} at a XXXX. I tryed the card three times and it didn't work. I believe the company is American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion add someone else 's collection of {$5500.00} to my credit report. XXXX XXXX XXXX XXXX reported this collection ( Occured in XXXX, in XXXX XXXX ). I totally don't know this collection and I haven't lived in XXXX XXXX. And I am not in the US in XXXX. I disputed to Transunion, but they said the collection is accurate without providing any evidence. I am confused about that. XXXX and XXXX  supported my dispution and deleted the wrong information already.
Product: Mortgage

When we bought our home, we received a letter from National Biweekly Administration promising that if we let them service us, we will be able to pay off our 30 year mortgage in 20 years. We decided to accept their offer. Now a year and a half later we received a letter saying that they can no longer hold up to their side of the deal. We had already paid all the necessary fees for their services, and each month, they charge us a fee for their services. We tried to contact them, but can not get through their phone system. They just simply tell us to call back later and hang up on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my social security card and they try to open or apply for credit card on my name
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

XXXX XXXX, XXXX. Founder, President and CEO Cross Country Mortgage XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/2022 Re : Cross Country Loan Number XXXX Dear Sir- Please find enclosed approximately 40 pages of documentation that we have provided to your company in order to release our balance of {$7800.00} in insurance payments to us for the repair of flooding to our home. We have attempted to collect this amount from your company on multiple occasions since last May. We have continued to address newly generated information requests as they seem to occur to your Loss Draft department. I did not include the documentation we generated for your assigned appraiser who opted to take our pictures in lieu of visiting the residence. 

As of XX/XX/XXXX, your Loss Draft department has not refunded our money and can not tell us what additional information needs to be provided. Rather, she told us we have insufficient documentation but without any explanation as to what that means. Instead, she transferred me to her supervisor for whom I left a voicemail. Consistent with your poor service, I have not received a return call. 

We purchased our loan through XXXX. Typically I think XXXX does a good job of connecting its members with reputable vendors. In this case, I am copying XXXX so that they are aware of your poor performance. 

I would like a response with ALL your documentation needs, Stop kicking the can down the road while sitting on my money. 

Sincerely, XXXX and XXXX XXXX XXXX # XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Consumer Financial Protection Bureau ( via online complaint form ) XXXX XXXX XXXX  ( via online complaint form ) California Department of Financial Protection and Innovation ( via online compliant form )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I started disputing in XXXX with Experian and XXXX concerning a reported late payment with XXXX XXXX from XXXX XXXX. The results of their investigation came back Verified and Updated. 

XXXX, I sent a letter to XXXX XXXX about the late payment and received a quick response from them stating that they have no record of the late payment since they do not maintain records going back that far. I am in shock that these companies claimed to have verified this account since this a clear untruth. I will include the letter sent as proof of my claims. 

This violation is, I believe, covered under FCRA Section 623 by refusing to correct inaccurate information. All I ask concerning this account is for these two companies to correct this account and report it as Paid As Agreed / Never Late.
Product: Student loan

I called all XXXX credit bureau about the loan companies I saw on my credit report. They provided me with navient at the time. I called them sent all my documents in explaining I was locked up. But thats told me on the on the phone I was responsible for it. I felt that was up fair. I had already went to prison at the age of XXXX yrs old because I bounced around from foster home and group homes and caught a charge robbing someone because my white mother was on drugs bad and got sent to witfield the mental institution. I never had nothing in life due to my parents getting on drugs. So I hope you guy can look into my case and remove this. I have proof of everything but keep getting denied. My whole life XXXX couldnt and cant get anything in my name. Due to those students loan and credit cards on my report. Something I never applied for. I even have my documents showing when I finished a paid for trade and the next month I went to prison. I even have when I was released from prison. I walnut grove prison was the worse prison they sent me to for the first time. And we dont have computers to get on there we stayed on lock down the whole time I serviced my sentence. Please reach out to this prison or XXXX XXXX court house or ask for XXXX XXXX he was the guy that drove me to XXXX XXXX to get process. Please look into my case Im begging you guy. XXXX and Im suffering from not able to purchase a house in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam : We have been contacted by consumer XXXX XXXX XXXX XXXX above-referenced matter. In XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) reported negative information regarding XXXX XXXX 's mortgage payment. This negative information resulted in your agency reducing XXXX XXXX XXXX XXXX by XXXX points. In XX/XX/XXXX, XXXX removed the negative information from XXXX XXXX 's file. 

Although XXXX XXXX 's file shows the removal of the negative information, his credit score does not reflect this. Your agency must update his file and restore the XXXX points to his XXXX XXXX. 

Please immediately re-evaluate XXXX XXXX 's XXXX XXXX in light of the removal of the negative information and restore the XXXX points back to his credit score.

Thank you for your cooperation with this request. Should you have any questions regarding the content of this letter, you may respond to our offices in writing to the address above. Please include the intake number XXXX on any correspondence. Should you wish to speak with me, please call XXXX. You will need to provide the intake number when you call so that the matter may be properly routed to me. 

Very truly yours, XXXX XXXX For the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Telephone No. XXXX
Product: Mortgage

Plaintiffs claim is that Nationstar Mortgage LLC are attempting to collect a debt on a fraudulent contract entered into by the Plaintiffs and XXXX Bank XXXX. on XX/XX/XXXX. This mortgage/promissory note has been disputed and the Nationstar Mortgage XXXX and XXXX Bank XXXX N.A. have refused to answer the Plaintiffs request for validation of debt, proof of Defendants being the holder of the alleged mortgage note and proof that the original contract with XXXX was not fraudulent as alleged by the Plaintiffs. Attached is the Affidavit of Truth Affecting Realty which was sent to the Defendants on XX/XX/XXXX and filed with the County Register of Deeds on XX/XX/XXXX. 

The Plaintiffs sent a second Notice of Demand for Payment on XX/XX/XXXX for the illegally collected debt payments of {$140000.00} which the Defendants have not paid. 

The Plaintiffs sent a NOTICE OF DEFAULT CERTIFIED JUDGEMENT OF UN-REBUTTED AFFIDAVIT on XX/XX/XXXX to the Defendant, Nationstar Mortgage XXXX. 

Nationstar Mortgage XXXX are alleging that the Plaintiffs owe {$190000.00} and are putting the property for public sale on XX/XX/XXXX. The Plaintiffs not only dispute this claim by the Defendants but request that the sale be halted and the Defendants provide the court with proof that the original contract/mortgage/promissory note is in fact lawful. 
The Plaintiffs demand that because the Nationstar Mortgage LLC and XXXX Bank N.A. have not proven that a debt is owed and have defaulted on the Certified Judgment of Un-Rebutted Affidavit, the Defendants must send a Certificate of Satisfaction, a Final Mortgage Statement that is zeroed out and an official letter from Nationstar Mortgage LLC declaring that the mortgage is paid off and the return of the cancelled promissory note to the court and to the Plaintiffs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 Creditor tagged my consumer report as derogatory reporting discrepancies each time they update in which I am unable to get anyone on the phone to obtain supporting docs submitted by XXXX referencing settlement of both accounts. Instead of removing the accounts upon receipt of lump sum payment they waited until a dispute came in the way both accounts were removed. They listed as charged off and still trying to collect more monies and damage my credit. 

XXXX reports and update on XXXX reports several times within a month while XXXX and XXXX report same account together as one on TransUnion reports. I feel their practices is unfair. XXXX ( XXXX ) reports a remedy in comment section and tagging TransUnion with XXXX using the same address
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on credit report several different names must remove if reports are not 100 % accurate