23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX : Complaint against Loan Servicer Specialized Loan Servicing Loan # XXXX Dear Sir/Madam : This is a formal complaint mortgage loan servicer Specialized Loan Servicing ( " SLS '' ) that services the mortgage for my property located at XXXX XXXX XXXX, XXXX XXXX, NJ. My mortgage was transferred from XXXX XXXX on XX/XX/XXXX. SLS finalized the loan modification started by XXXX XXXX and there was an agreed upon monthly payment barring any changes in escrow. The monthly payment memorialized in the loan modification is {$2200.00} per month, including the escrow of taxes and insurance. 

After the payment of the first mortgage payment of {$2200.00}, SLS immediately increased the monthly payment to {$2800.00} without any notice to me and against the terms of the loan modification. I have called SLS over ten ( 10 ) times over the past eight ( 8 ) months to try to resolve this issue. On XX/XX/XXXX, I finally got SLS to run an escrow analysis. In the escrow analysis ( attached as Exhibit A ), it shows that the monthly payment went from {$2200.00} to {$2300.00} due to an escrow shortage. Even though the reason for the increase from the modification amount concerns me as neither taxes nor insurance on my property had changed, I agreed to make that monthly payment. 

However, again, SLS did not abide by their own Escrow Analysis. As of XX/XX/XXXX, they have increased my monthly payment to {$2900.00} ( see Exhibit B ). This increase was made without notice and directly contradicts both the loan modification monthly amount and the amount from their escrow analysis. This is causing my payments to be held in suspense and is further causing my otherwise timely payments to be reported late. I am further being charged interest on a higher balance because they are holding my monthly payments in suspense. I am sending {$2300.00} monthly in accordance with their escrow analysis. I can not afford to pay the almost {$3000.00} they are demanding without any notice and against their escrow analysis. 

I pray for government intervention to investigate the unscrupulous dealings of Specialized Loan Servicing and to force them to abide by the law in servicing my mortgage. 



Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the ( FCRA ) Fair Credit Reporting Act, XXXX XXXX XXXX AZ XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) States I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I got my check garnished from d credit card debt that was over XXXX XXXX XXXX in va which is past the time they cab take it. And they never provide me information that the debt was mine they took the money before my court date in XXXX
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Debt collection

I receive a minimum of XXXX calls per day. Sometimes XXXX after another.
Product: Checking or savings account

I have been a Chase ( Washington Mutual ) customer for 20 years and have never received such disappointing treatment as a loyal customer. On XX/XX/XXXX I went into the Chase bank in XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit my income state refund check into my account and make a withdraw. After being asked several questions by the supervisor XXXX and treated as though my check was fraudulent I was told that they would have to place a hold on my check until the following morning when funds would be available. Although a little unusual because I have never had this situation with Chase I was left with no choice. The following morning I received a Chase alert via the chase app that there was a hold on my checking account. I called chase bank where my call was forwarded to the loss and prevention department and was informed that Chase has to verify my check through the IRS website but the site was down. I later called the local bank where I deposited the check and spoke with a teller at first and asked anonymously on what grounds would a hold be placed on a check. She listed several reasons of which none applied to me. I then asked her to look into my case and explain to me why a hold has been placed on my check. Upon looking she sends the call to the supervisor XXXX who informed me that the check was going to be on hold until XX/XX/XXXX because the check was presented to another bank for cashing. I informed her that is impossible because I'm the only one who has had the check and I took it straight to the bank upon receiving it. I also asked her where was the check supposedly attempted to be cashed and she could not tell me. I called chase loss and prevention a second time and was told the check was flagged by IRS saying the check may bounce. In the same conversation she informed me that the check was presented to another bank for cashing. At this point I received 4 excuses as to why a 2 week hold was placed on my check. I also asked the representative from loss prevention for something in writing saying my check was presented at another bank because now I am worried that someone is possibly using my personal information and identity. She refused to provide me a written explanation. This is ludicrous. I would think being a loyal customer to a bank for 20 years I would be treated with some decency. I do not believe my check was presented at another bank or any of the excuses I was told. I have missed payments on bills that resulted in fees it is unbelievable. I am seriously considering closing my account and banking somewhere else. I have never even written a bounced check in my life. I can not see any reason that would warrant mistreatment as a customer from a bank I've had for so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and seem to been a victim of the dark web, after careful review of my credit files I'm demanding that the following accounts be removed and blocked from my credit files immediately. 

1. XXXX XXXX XXXX {$57.00} 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. Dept of ED/ XXXX {$22000.00} 5. Dept of ED/ XXXX {$18000.00} 6. Dept of ED/ XXXX {$15000.00} 7. Dept of ED/ XXXX {$10000.00} 8. Dept of ED/ XXXX {$10000.00} 9. Dept of ED/XXXX  {$8300.00} 10. Dept of ED/XXXX  {$7800.00} 11. Dept of ED/ XXXX {$7700.00} 12. Dept of EDXXXX XXXX {$7500.00} 13. Dept of ED/ XXXX {$5900.00} 14. Dept of ED/ XXXX {$5500.00} 15. Dept of ED/XXXX {$5500.00} 16. Dept of ED/ XXXX {$4500.00} 17. Dept of ED/ XXXX {$4300.00} 18. Dept of ED/ XXXX {$4100.00} 18. Dept of ED/ XXXX {$3700.00} 19. Dept of ED/ XXXX {$3700.00} 20. Dept of ED/ XXXX {$2900.00} 21. Dept of ED/ XXXX {$2600.00} 22. Dept of EDXXXX XXXX {$2200.00} 22. Dept of EDXXXX XXXX {$1200.00}
Product: Debt collection

Hi, Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement each month I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors ( The payment includes the total Credit Debt $ + Lower interest rate ). 

I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying 600 $ + to this company every month from XX/XX/2016. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
( Reference Link - https : //www.ftc.govXXXX ) For all this time as the company " XXXX XXXX XXXX XXXX' never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters to verify my accounts. After the company recieved the letters to delete false reporting information. They told me they felt all my information was accurate. 
Under 15 U.S. Code 1681I ( XXXX ) Cases under title XXXX or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( XXXX ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( XXXX ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. 

I did not give permission to any agency ( XXXX, XXXX, Transunion, XXXX XXXX and XXXX XXXX ) to report any information ; especially inaccurate information. I have called numerous of times and sent numerous letters. failure by a consumer to provide sufficient information to investigate the disputed information.
Product: Checking or savings account

Someone got my social security information and started up a debit account in my name fraudulantly. It was with Arvest Bank.
Product: Prepaid card

I received ( 2 ) letters dated XX/XX/2023 from PNC with an address of XXXX XXXX XXXX XXXX, PA XXXX. 

The letter heading stated " A check was Mailed to You in Error. '' Copies of the letter are available. I will try and attach them. 

Both letters have the same verbiage but reference ( 2 ) different card numbers. 

The first paragraph states : " HERE 'S WHAT HAPPENED. '' Checks with serial number XXXX ( letter # 1 and letter # 2 serial # XXXX ) were mailed between XXXX and XX/XX/2023. 

The letters explain that the {$20.00} balance on each card was for a XXXX expired XXXX incentive card. 

Per the letter, funds are not eligible past the expiration date. A Processing Error sent out refund checks in error. 

The letter goes on to state that XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) " requires PNC to request that the funds be returned. '' I called PNC asking for copies of the cashed checks showing my signature. 
I just needed confirmation that I in fact did receive and cash them. I am XXXX and do not always remember correctly. 

PNC told me to contact my health provider. At the time it was XXXX XXXX XXXX XXXX XXXX XXXX NY. I called them and was told that if I had cashed the checks that I did not need to reimburse PNC.
Product: Mortgage

I was approved for XXXX partial claim loan modification and resumed regular monthly mortgage payments per the modification arrangement. The home was still sold at a foreclosure auction on XX/XX/XXXX. Freedom mortgage said the resumption of payments with the loan modification would cancel the foreclosure and auction. They sent me paperwork in the mail saying I was approved for the modification, and also a separate notice prior to that approval that I had until XX/XX/XXXX to pay the default loan amount to avoid foreclosure. I also have an email saying I was approved and had to call and accept the loan modification approval which I did. I made my mortgage payment on XX/XX/XXXX on the phone with a rep from Freedom Mortgage and they said nothing about the upcoming auction on the home and took my payment.
Product: Credit reporting or other personal consumer reports

I went to the XXXX Police Department to file a police report in regards to me being a victim of identity theft, a checking account with XXXX XXXX XXXX Bank, {$960.00} and XXXX fraudulent inquiries viewed by others currently listed on my Chex Systems credit report. The XXXX Police Department informed me to file a complaint with the Federal Trade Commission XXXX XXXX XXXX XXXX and told me Chex Systems is required by Federal to accept the Federal Trade Commission XXXX XXXX XXXX in regards to unauthorized and fraudulent inquiries and accounts. Chex Systems keep telling me I need a police report and they can not accept the Federal Trade Commission XXXX XXXX XXXX. I want Chex Systems to immediately delete and remove the following fraudulent and unauthorized Inquiries Viewed By Others currently listed on my 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 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 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

i have never been late on this timeshare mortgage account number XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Security Credit Services contacted me about a collection account from the appliance service XXXX , XXXX. They stated it was for small amount of {$39.00}. My wife talked to the representative and agreed to pay the debt as long as it would not be reported to my credit. The representative agreed and took the payment. This was the first phone call received from this collection company so no other attempts were made by them and none ignored on my part. Security Credit Service collected payment from me for the debt and proceeded to violate a verbal agreement, which is legally binding in the state of Georgia and still reported the collection to my credit as a PAID collection with a XXXX balance. How negligible to report a small balanced collection after a payment was received without fuss and we were told it wouldn't go to my report. Technically, I didn't received what I paid for and this is considered FRAUD. I'm will be taking legal steps to file in small claims court if this matter is not resolved and removed from my credit. A claim with my bank will also be made for the small figured amount since it's a fraud transaction if I do not receive what I paid for.
Product: Credit reporting or other personal consumer reports

unauthorized inquiry on report XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account numberXXXX  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  In accordance with the Fair Credit Reporting act 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Due to divorce situation, i couldn't able to afford making the payments only myself, so I have been tried to sell the home on the market in order to avoid foreclosure, and I would like need help from the lender to stop the foreclosure, to get more time to sell the house asap. 
Thank you so much for your consideration. 

XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Responding to Chase 's FALSE claims of us not submitting the declaration, we submitted it on 3 DIFFERENT OCCASIONS! 
On XX/XX/XXXX 2 wire transactions took place out of our account from Chase in the amount of {$92000.00}! 
I have been ran around in circles by Chase since then, handed over to department after department. I went through a mental health breakdown and am on the verge of losing my business! I can not afford a lawyer at this time. 
CAN SOMEONE PLEASE HELP ME GET MY MONEY BACK?
Product: Credit reporting or other personal consumer reports

During XXXX XXXX XXXX was servicing my mortgage. I was on forbearance for all of XXXX and part of XXXX. Sometimes in XXXX Shell point mortgage started to service my mortgage loan. I believe in the acquisition process my account information didn't transfer corrected and Shell point mortgage report XXXX late payment on my mortgage. I made a large payment to catch up with my account while it was in forbearance, I have not been late or missed any payments on my mortgage for more then 12 months since my forbearance was lifted. The XXXX missed payment is incorrect reporting on my credit report. It is damaging my credit reporting and it is enabling my ability to purchase property. I am in the process of opening a business and I can't until this is fixed. Please delete the XXXX late payment in XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act XXXX5 U.S.C 1692, XXXX XXXX XXXX has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX companies for the past XXXX  years have been inaccurately reporting late payments on my accounts and refuse to investigate and correct or update accounts to paid as agreed. Companies have listed accounts as " was a collection, but paid '', " sold '' or " transferred ''. Creditors refuse to correct these inaccuracies and have left me paying higher interest, being denied for credit, and left me no other choice but to report their illegal activities.
Product: Student loan

I have had issues with Navient. I applied for a loan back in 2007 and XXXX school when I was a XXXX that left me XXXX. I have been trying to repay my loans but due to the XXXX it has been hard to maintain employment. Because of this I have a limited income that is barely enough to even live on with none left over for anything else. The have continually pushed for deferment which only makes it cost even more in the end keeping me in the loop for an even longer time than usual. I have also asked that they remove the co-signer from the account be cause it is unfair to them to have their credit effected due to me being XXXX. I have also learned that Navient is under investigation for doing these very things to XXXX patrons of Navient.
Product: Credit reporting or other personal consumer reports

I made a payment but money was took out the account after 5 days and made the payment late and dropped my credit score
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CAsh App ( Block , INc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8000.00}