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

Im trying to sign in with the forgot my password button but it won't go to next tab .I 'd like everything on that report fixed so I have great credit for all the credits and time they benefitted off my son thank you
Product: Debt collection

I received an attempt to take me to court by XXXX XXXX but I do not know if the account is true.
Product: Debt collection

I initially contacted XXXX regarding the vehicle I purchased and was immediately told with me surrendering the vehicle my credit score would severely be impacted. There was no way for them to work with me regarding the vehicle. I started calling them on XX/XX/2019. They turned the debt over to a collection company. The company has now started to call my family members. They should also provide to me how much they purchased my account for. I would like the information in writing.
Product: Debt collection

There has been an invasion of my individual privacy pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 by the debt collection company Synergetic Communication Inc. Congress states and has declared abusive debt collection practices contribute to an invasion of individual privacy. The debt collection company Synergetic Communications Inc, has violated the following list of federally protected consumer rights : Pursuant to 15 U.S. Code 1692b ( 1 ), Synergetic Communication , Inc. requested my location information without direct permission instead of confirming and refused to identify themselves.

Pursuant to 15 U.S. Code 1692b ( 2 ), Synergetic Communication , Inc. stated that I owed debt.

Pursuant to 15 U.S. Code 1692b ( 3 ), Synergetic Communication , Inc. attempted to communicate using my location information several times resulting in harassment without direct request.

Pursuant to 15 U.S. Code 1692b ( 4 ), Synergetic Communication , Inc. communicated to me by post card using my location information without direct request.

Pursuant to 15 U.S. Code 1692b ( 5 ), Synergetic Communication , Inc. used several envelopes with their language, symbol, and contents of mail stating the collection of a debt without direct permission.

Synergetic Communication , Inc. did not have my direct permission or consent to contact me pursuant to 15 U.S. Code 1692c ( a ).

Synergetic Communication, Inc. inconveniently contacted me several times throughout the day pursuant to 15 U.S. Code 1692c ( a ).

Pursuant to 15 U.S. Code 1692d ( 4 ) Synergetic Communication , Inc. continued to call and make threats of repossession, which is obscene language and harassment.

Pursuant to 15 U.S. Code 1692d ( 5 ) Synergetic Communication , Inc. made my phone ring repeatedly and at inconvenient times without direct permission.

Pursuant to 15 U.S. Code 1692e ( 2 ), Synergetic Communication , Inc. gave a false representation of the character and amount.

Pursuant to 15 U.S. Code 1692e ( 7 ), Synergetic Communication , Inc. implicated that I committed a crime, as a consumer.

Pursuant to 15 U.S. Code 1692e ( 10 ), Synergetic Communication , Inc. used deceptive means to obtain information.

Pursuant to 15 U.S. Code 1692j ( a ), Synergetic Communication , Inc. furnished a deceptive form and is liable pursuant to 15 U.S. Code 1692j ( b ).
Product: Credit card or prepaid card

Account was opened on XX/XX/XXXX Terms of promotion are Card Members who apply through this offer and are approved for the XXXX XXXX XXXX can earn XXXX Membership Rewards points after spending {$15000.00} in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership starting from the date of account is approved. 

Eligible purchases is defined in XXXX & XXXX 's as " Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of traveler 's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents. '' No purchases outlined below fall outside eligible purchases categorization. 

In my first 92 days I spent {$16000.00}, saw {$690.00} in fees, had {$87.00} of returns, had credits/offers of {$260.00} - XX/XX/XXXX statement - {$8800.00} spend, {$690.00} fees, {$0.00} returns, {$0.00} credits/offers - XX/XX/XXXX statement - {$6700.00} spend, {$0.00} in fees, {$9.00} returns, {$250.00} in credits/offers - XX/XX/XXXX statement - {$950.00} spend, {$0.00} in fees, {$78.00} returns, {$0.00} in credits/offers - Between XX/XX/XXXX and XXXX - {$170.00} spend, {$0.00} fees, {$0.00} returns, {$15.00} in credits/offers I contacted AMEX on four occasions via chat to inquire about enforcement of this promotion on : - XX/XX/XXXX - inquired about having satisfied the welcome bonus. Was advised " I can see that you have met the spending threshold and bonus points will be automatically credited as per the offer terms. '' - XXXX - was told " I am opening an investigation on the account, so that our backend team will review details an update spending towards welcome bonus offer ''. Escalated and was told I would be contacted in XXXX days. 
- XX/XX/XXXX - was told " It is a known issue, the offer is not showing but you are eligible for the welcome bonus ''. " Our team is working on the issue. '' - XX/XX/XXXX - was told " the status of the bonus is not available on our end but I akready created a case for escalation, so we can follow up on this. '' Additionally, I had contacted AMEX by phone once in XXXX where I was informed there is a nondescript issue with bonus offers and all should be resolved by end of month, provided an escalated case number, etc. 

As I am planning travel in XXXX, and a factor in securing this card and spending nearly $ XXXX was to leverage AMEX points for this travel. 

Attached are my statements evidencing over $ XXXX in purchase transactions within offer terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wrote me that my Social Security number is inactive due to death! I am alive!
Product: Debt collection

I had a rented instrument from XXXX XXXX XXXX and returned it. Upon checking my credit report I noticed an item in collections for {$2700.00} and it was from XXXX XXXX XXXX. I called them and they sent me a copy of the receipt showing my returning the instrument, I them filed a dispute with XXXX XXXX toTranswrld ( the debt collector ) and when the decision came back it was unchanged although I attached a copy of the receipt to the dispute. I am trying to repair my credit and definitely do not need derogatory items that do n't belong there. Any help you can give me would be greatly appreciated. 
Kind Regards, XXXX XXXX
Product: Mortgage

I am a consumer and I believe that I have been a victim of a signature fraud on a loan modification that I recently just found out about. This loan modification agreement was supposed to have been filled out by 2 borrowers in the year of XXXX. And this is where I believe that my signature was taken from a sign document that I have signed in the past. And the signature was added on a false statement to make it look legal with stamps and dates on it including a notary stamp and signature.I the consumer did not signed this loan modification that Mr.cooper claims. I have many questions, it has been said to qualify for a loan modification a borrower would have to be behind in payments. And all of my mortgage payments were current. And how can they add a second borrower to the modification loan when there was only one borrower from the beginning of the FHA loan that started in XXXX of XXXX. As a consumer I continue to see that Mr. Cooper is saying that the loan started in XXXX. That information is false and incorrect. I don't know why Mr.cooper is reporting false information about my loan. Again if I took out a FHA loan in XXXX of XXXX with country wide home loans {$62000.00}. And then XXXX XXXXXXXX XXXX ended up with the loan and I sign a 15 year term. Now Nationstar Mortgage LLC/Mr.cooper debt collector. Is now the company that I send payments to and they want to say that I now have a 30 year mortgage term. When I asked for a copy of my original contract agreement.I was told that Mr.cooper destroy documents after so many years for the protection of the consumer to prevent fraud. I also asked Mr.cooper. for an amortization schedule and Mr.cooper sent me a schedule starting XX/XX/XXXX. This document has no header or anything showing that this came from Mr.cooper. So this is why, I also feel that this mortgage company took my information and falsified documents to try and make me take a 30 year mortgage term to keep getting money. This loan has been paid double already. And I ask why would I start a loan for another 30 years when I already was told in writing that the loan would be paid in full on XX/XX/XXXX. I wish that these companies would stop stealing from the lower income people life is hard enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit file has been really compromised. I have been submitting multiple written appeals to Equifax regarding the fraudulent account being reported on my file. The last letter I sent to Equifax was XX/XX/2022, with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess Equifax is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. What else should I provide? Did I miss something? Again, I am a victim of IDENTITY THEFT and I do not remember having this account with this company so please DELETE this damaging account from my file IMMEDIATELY! 

XXXX  XXXX XXXX
Product: Checking or savings account

XX/XX/year> Returned Item fee XXXX {$29.00} XXXX ( XXXX ) XXXX XXXX Returned Item fee XXXX {$29.00} XXXX XXXX Returned Item fee XXXX {$29.00} XXXX XXXX Charge off XXXX {$430.00} Total Returned Item fee ( XXXX ) {$110.00} XXXX Returned Item fee {$29.00} XXXX XXXX Returned Item fee {$29.00} XXXX XXXX Returned Item fee {$29.00} Total Overdraft fee charged {$20.00} Total Returned Item fee ( XXXX ) {$110.00} XXXX XXXX Returned Item fee {$29.00} XXXX XXXX Overdraft fee {$40.00} XXXX XXXX Overdraft fee {$40.00} XXXX XXXX Returned Item fee XXXX XXXX XXXX Returned Item fee {$29.00} XXXX XXXX Total Overdraft fee {$80.00}
Product: Credit reporting or other personal consumer reports

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRES XXXX  open date XX/XX/
Product: Checking or savings account

I have had a checking and savings account for many years ( since they bought Washington Mutual ) with Chase Bank. My savings account was set up as a Basic Chase Savings account that required me to transfer {$25.00} per month to not charge fees for having the savings account. I just discovered they have been charging me {$20.00} per month since XX/XX/2017 when my savings account was changed to a type that required {$15000.00} daily balance. I escalated and spoke to three people there that all said they see no record of me changing the savings account type and they are not sure why that happened. 
They have now taken nearly {$1000.00} and have no record of me changing the account type. They changed back to Basic Chase Savings today and fees should stop but will not and can not refund anything over {$100.00} they said. 

So while they feel bad, they can not help me. Chase has done something under-handed here and I am guessing I am not the only XXXX. I do watch my checking but have been very busy and have not paid a lot of attention to the savings since I didn't expect any real change. And it can be a little confusing with the monthly transfer. I do not get paper statements. 

I feel they should refund the whole amount since they have no record of me changing the account type and they have practiced in a shady manner. 
The managers I spoke to were XXXX XXXX -very nice but could not help so transferred me to another manager XXXX XXXX . I believe they are in XXXX Ohio. ( Please remove names of Chase reps for publishing thought could be helpful for research is all ) thanks very much. 

*I had a similar issue with checking some years ago there and believe this could be intentional at some level for revenue.
Product: Checking or savings account

on XX/XX/XXXX a navy Federal Credit union Bank ( NFCU ) account was opened under my name I immediately took the card and letter to the NFCU the account was closed but on XX/XX/XXXX there was a {$700.00} of purchase made but it got declined. I went back to NFCU on XX/XX/XXXX I was told that the account was opened on line. A XXXX police report was made on XX/XX/XXXX also a report was made by NFCU
Product: Mortgage

We completed a trial modification in XX/XX/XXXX that we were offered through Select Portfolio Servicing. SPS took 90 days to finalize the modification and then changed the terms of what we were offered in the trial. We were offered a Home Affordable modification. SPS sent a letter stating that they offered that incorrectly and offered an in house modification. We submitted 2 more payments in addition to the 3 trial payments in XXXX and XXXX. SPS sent us permanent modification documents and requested we return them by XX/XX/XXXX and the first payment would be made on XX/XX/XXXX. We returned the paperwork and made the XXXX payment. We are waiting for SPS to finalize the modification. We requested principal forgiveness because the house is not worth the amount of money. XXXX XXXX is the noteholder and is refusing to honor principal or interest forgiveness. SPS did 3 different appraisals. In XX/XX/XXXX, the house was appraised at {$440000.00}. In XX/XX/XXXX they appraised the house at {$740000.00}. The house could not have gone up {$300000.00} in 6 months. We received a notice that there is a status hearing on XX/XX/XXXX at XXXX. We have submitted all this paperwork to the court. Now we may have to have the additional expense of hiring a lawyer.
Product: Mortgage

In XXXX 2010 we filed an official application for HAMP with Bank Of America and provided some XXXX pages of documents with the application.For an entire year, even though they confirmed receiving the documents each time, they continually lost our file. And they continually gave us false information about the HAMP Program.Then they sent us to another dept. and did a HARP refi and told us it was a prerequisite to HAMP-the refi cost us {$8000.00} in closing costs and did not lower our payment enough to stay in the home and we defaulted.When we reapplied for HAMP they told us the HARP refi made us ineligible for any further modification with HAMP-the opposite of what Bank Of America told us.Now we are facing foreclosure and have no modification programs available to us because Bank Of America cheated us out of getting in the HAMP Program and sold us the worthless expensive HARP.
Product: Debt collection

this is about a collection agency letter who sent a letter to take negative action i attachd a collection agency letter and a letter from me to consumer protection burea and to the collection agency company they are very dangeroues collection agency company they will put me in the road
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account was not reporting accurately. 
I have XXXX late payments on an account that was last paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments. 
I've attached a copy of my reports to the complaint on the following dates. 
( XX/XX/year> ), XX/XX/year> XXXX I'm now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need assistance in requiring the credit reporting agencies XXXX, Transunion, and XXXX to stop ignoring my oral and written instructions to correct errors on my consumer report. I have mailed XXXX notices by mail with instructions and called twice on XX/XX/2022 and XX/XX/2022. I should have a lock on all XXXX reports and yet there are over 25 hard inquires for XX/XX/2022. There are accounts listed that are not mine and I require the CRAs to remove them. There are addresses not personal to me that I require the CRAs to remove. There are many unauthorized hard inquiries not once authorized that I require to be removed. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the information listed in the section below be corrected, updated, and deleted permanently. I have not given my written consent allowing them to provide or furnish any of the information in question. But I have given them oral and written instructions to correct the invalid information and accounts. They are not following my instructions and this is a violation towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please HELP! I have submitted info to everyone I could think of, nobody has been able to help or able to tell me where to go next! Quick summary, in 2019 my mortgage was a month and a half passed due, in fear of foreclosure, I agreed to sale my home of +20 yrs to a man who called me from local court House whom explain to me I could rent the home from him stay in the home and have the option to purchase two years later while that day came and when I went to go purchase the home again I found out that the mortgage was still in my name you cant get a new mortgage on a home that you already have a mortgage on so then I went to the title company and there were a few title pages that I had never seen before but had supposedly had my second signature on them but I believe they were added at a later date without my knowledge also I keep getting informed that Im late or behind on payments for the home and that the mortgage company had changed and the information had also changed he had gone in and change the addresses so that I wasnt getting any of the statements or so I never found out about it and he changed it to his address in southern Utah well now he has stopped making the payments on the home XXXX late at least the last 10 months in a row and finally there is a notice from the bank on the door for repossession and it is killing my credit. I cant even rent an apartment or do anything with that on my credit report that is so not fair I want my house back and thats off of my credit it is out of my control and was not my fault please somebody help me thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent validation letters for debt attached to my name to XXXX XXXX XXXX XXXX XXXX Comenity Bank ( Kay jewelry ) and XXXX XXXX XXXX XXXX None of these institutions validated the debt in the legal amount of time they are given to do so. They have received more than 1 letter to remove the debt along with all derogatory remarks over 5 months ago and still have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : You are reporting this collection on my credit report. I have no knowledge of this account. This is inaccurate reporting and needs to be deleted immediately. 
Please mail me a physical copy of my credit report when the above deletion has been executed. 

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

Started a dispute XXXX of 2024 for the following creditors : XXXX XXXX XXXX XXXX XXXX Contract Callers INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The mortgage servicer failed to foreclose on an abandoned property in a timely manner. This caused negative impacts to the XXXX XXXX ( XXXX ) and its residents in several ways : - Delinquent assessments and collection fees. XXXX assessments have not been paid since XX/XX/2019. Delinquent assessments currently exceed {$2000.00} and continue to accumulate. The home has degenerated into a poor condition with associated loss of value so the XXXX does not expect to recover these assessments when foreclosure eventually occurs. These costs will ultimately be paid by the XXXX and its members. 
- Security issues. After the property was abandoned, it became a magnet for squatters who broke windows, stole parts of it, and aggravated surrounding neighbors. The XXXX expended resources to board up the doors and windows to discourage squatters. These costs will ultimately be paid by the XXXX and its members. 
- Property maintenance. To reduce blight, the XXXX continues to expend resources to mow weeds in the front yard. The XXXX is now considering considering turning the water back on so it can restore the front lawn. These costs will ultimately be paid by the XXXX and its members. 
- Reduced property values in the neighborhood. The abandoned home is an eyesore and a security risk and we believe it has reduced the value of nearby properties. This is difficult to quantify, but the home next door was recently on the market for sale several months longer than expected. 

The XXXX asked the mortgage servicer to help in this matter but without success.
Product: Student loan

This issue is related to Public Service Loan Forgiveness or PSLF. MOHELA is my current student loan servicer and I submitted my final paperwork to ask my loans to be forgiven as I qualified for Public Service Loan Forgiveness to both Mohela and Studentaid.gov in early XX/XX/XXXX. Prior to this date, my servicer was XXXX and every year I submitted my PSLF tool application on-time and was kept up-to-date with my qualifying payment count. Well, this past week ( XX/XX/XXXX ) I reached back out to MOHELA to request more information on my status and they indicated that even though I have 140 qualifying payments ( at this current time ), they would not be able to 'validate/audit " all of my payments prior to new payments starting back up on XX/XX/XXXX. 

This is absurd- for two reasons - first, they said that " if I have any 'payments ' for {$0.00} that those payments would not be counted as qualifying payments. '' ( that is against the the new law that just got passed. ) Second, most of my {$0.00} payments were when my loans had been placed in forbearance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) as I was incorrectly told that I would need to place them in forbearance in order to make sure I would not have to make payments on my loans during my service; however, had they just been placed in a 'Income-based Repayment Plan, ' due to my income being around XXXX XXXXXXXX I would have made {$0.00} payments due to my financial situation. 

Therefore, with Mohela indicating that I will have to start making payments again in XXXX and that I will not be eligible for a refund on any new payments that replace {$0.00} payments within my 120 qualifying payments, they are illegally denying me from receiving payment counts on my XXXX XXXX XXXX XXXX- which is illegal and protected by law. 

I would like for you to support my case in any way possible so that I can receive proper loan forgiveness as I am entitled to receive. 

Thank you!