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

I reached out to our mortgage company in the month of XXXX about deferment plan on our account with Shellpoint Mortgage. a loan specialist looked into our account to see if we have eligible for a deferment plan. He said that my wife and I was eligible for a deferment plan. He told account for the defer months will report our credit report for those months and also will not report late as well. he our account specialist was on the phone and he will setup a call back time for us. our account specialist did try to call me, but she said the call wasn't going through and she was putting in XXXX months deferment for us. We did receive a letter in the mail, and it said the same exact thing the loan specialist said over the phone there will be any late payments on our credit reports. My wife and I receive alert from XXXX saying the is a change on our credit report. Upon looking at the change the change was Shellpoint Mortgage Loan number XXXX reporting late and drop my credit score XXXX points. as of now it's only on XXXX not the other credit bureaus as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$170.00}, XXXX XXXX Balance : {$100.00}, XXXX XXXX Balance : {$67.00}, XXXX XXXX Balance : {$5600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$650.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX : {$1700.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00}, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information as they are trying to collect on accounts without dates, no validation of debts have been provided, additionally these accounts are inaccurate and an investigation needs to be conducted to resolve this.
Product: Debt collection

XXXX XXXX CFPB To Whom It May Concern : I received a notice Dated XX/XX/XXXX in the mail from XXXX XXXX XXXX XXXX XXXX  concerning a timeshare debt " NOW '' naming me as the owner and XXXX XXXX as Co-owner that I am being held accountable for. The timeshare in question was owned by XXXX XXXX XXXX XXXX, my ex-husband and me before we were divorced more than 32 years ago. 
Needless to say I was surprised if not shocked that he is now claiming that this piece of real estate is in my name, if he is claiming that. To make a long story short and simple, in our divorce settlement judgment in XXXX he paid me a lump sum, he kept all five of the properties, making himself the sole owner of All properties moving forward I am incensed, extremely upset, hurt and even after all these years in disbelief that I am being asked to pay a debt on property that was addressed in the divorce judgment documentation and I never had the pleasure of using. For more than 32 years I have not lived in, visited, nor been aware of it. 

I am sure that the records will show that this is solely the property of my ex-husband who is probably worth more than XXXX XXXX dollars, not a XXXX person ( myself ) who is living in subsidize housing and SSI/SSA Benefits income. 

Please review the attached information that was sent to me, investigate, and then proceed to act based on findings. I assure you that the best chance you have at finding the person who is responsible, and can pay, is my ex-husband for all fraudulent acts, and damages against me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I am submitting another complaint against Specialized Loan Servicing for failing to pay my property taxes on time from my escrow account. I received a letter in the mail from the county stating that I had {$22.00} due from interest for failing to pay on time. An additional {$20.00} of interest was paid out of my escrow account that would not have been due if Specialized Loan Servicing had paid property taxes out of my escrow account in a timely manor. I expect for them to pay out of their own funds the {$22.00} amount due to the County as well as reimburse me for the {$20.00} in interest that was paid, but should have been avoided. 

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

I recently applied for a mortgage & my mortgage lender informed me that XXXX  was reporting to collection accounts from First Federal Credit on my report. I called First Federal Credit & they informed me that these accounts were not mine but were my mothers & that they shouldn't be reporting on my report. I attempted to get the accounts removed by disputing them but they are still showing up on my credit report which makes no sense because the collection company is stating they aren't even reporting the information my to credit agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts listed on my TransUnion credit report, which I believe to be fraudulent. I did not open or authorize these accounts, and I have reason to believe that they are a result of identity theft. In support of my claim, I have already filed reports with the Federal Trade Commission ( FTC ), and I have attached copies of the FTC Identity Theft Report and other pertinent documentation. 

I respectfully request that TransUnion : Conduct a prompt and thorough investigation into the fraudulent accounts listed under my credit file. 
Remove any and all information related to these fraudulent accounts. 
Provide me with a written confirmation detailing the results of the investigation and the corrections made to my credit report. 
Enclosed you will find copies of the following documents : FTC Identity Theft Report A copy of my government-issued identification Proof of address Any additional documentation supporting my claim of fraud have all been provided Please address this matter urgently, as the continued presence of these fraudulent accounts is adversely affecting my credit standing and causing financial distress. 

Thank you for your prompt attention to this important matter. 

Sincerely,
Product: Debt collection

I was told that if I did not make my final payment today that the funds I currently paid would be charged as interest towards the original loan and that I would have to pay court fees and attorney costs for the proceedings. I then asked for information regarding their company and how my file ended up in their office. Instead of attempting to help me with this information I was told that I was annoying like a XXXX year old girl or a mosquito. I was also called a terrorist and the gentleman proceeded to ask about my personal details. Such as a vehicle I recently purchased and other personal details in which they should not have access to. I asked if calls were recorded and if I could have a copy and I was told that I was harassing them and that they didnt have to do anything to help me. I have since been repeatedly hung up on when attempting to get information regarding our correspondence.
Product: Debt collection

Hi, My name is XXXX XXXX XXXX XXXX - Original Account # XXXX had an account with XXXX XXXX XXXX for a mobile line, back in 2011. They started raising their prices so I closed the account and paid off what I was told. 
Four years later, XXXX XXXX XXXX reported this account as none paid, to a collection company named " Enhance Recovery company '' ; which reported this account to the major credit bureaus as none paid and damaged my credit in a greatly manner! ERC did not contact me by phone or mail. When I recently contact them ( ERC ), they told me that they were trying to contact me to the phone number that was given by XXXX XXXX XXXX, which I closed back in 2011, so would they contact me? Now, that BAD account will be in my credit report for many years. 
Just this pass week, I called them and I settled a payment in full to get rid of this account. However, they said ( XXXX XXXX XXXX and ERC ) that they can not erase it form my credit account. Is there any way that I could do that? I would appreciate if any company could get in touch with them and inform them that is not right just to damage someone 's credit with out any contact with them. Below, is ERC information:XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX Toll XXXX Hours ( Eastern Time ) :XXXX XXXX XXXX advance, thank you so much for your time.
Product: Credit card or prepaid card

In XXXX, I found out that my Synchrony Home Credit Card credit was being lowered due to outstanding balances/revolving debt. This is due to Covid 19 and the fact that my money seems to come when it feels like it. At minimum, I am making payments on time. On XX/XX/2021 when I went on Synchrony Home Credit Card 's website, it indicated that my account was closed. What is going on? I am being penalized for paying on time or paying the minimum balance? If this company really looked at my credit, they would see that I am paying down my debt and they are next. I really do not think that this is fair considering that I never missed a payment but I am being held accountable due to Covid 19.
Product: Credit card

I rented a car for my son in Florida. The rental was on XX/XX/XXXX for 7 days. I live in Arizona. It was through XXXX XXXX XXXX in XXXX XXXX, FL at XXXX XXXX, for {$190.00}. My son texted me from the rental place and said they would not accept his insurance card ( XXXX ) and were going to charge him $ XXXX/day. extra. I spoke with the manager ( XXXX I believe ) and told him I would contact XXXX to get additional proof that he was insured. My son then left with the car as he had an interview in XXXX XXXX. 

I then called back 3 times to speak with the regional XXXX but never received a call back. I then disputed the additional charges above my guaranteed reservation quote. 

XXXX XXXX XXXX XXXX XXXX The credit card company ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX reversed my dispute saying we had agreed to the terms and despite repeated calls that were escalated ( supposedly ) to a case manager, no one has returned my calls. 

This is my second dispute with XXXX over a car rental. In XXXX I declined a rental in NJ over similar bait and switch tactics. Never again. 

I agree to pay for the rental. I just want the unauthorized insurance charges.
Product: Money transfer, virtual currency, or money service

I sent a friend {$500.00} through the Square cash app. It was never accepted and canceled out automatically. I resent the payment, then reached out to him. He never received it. 

We realized that the money had been sent to an account set up with his old work email. I sent the money again to his new account, expecting the other one to be canceled out automatically. Somehow the old account is linked to his new one though, because when he accepted one, the other one was accepted as well. 

Unfortunately my friend no longer has access to that original account. We have bother reached out to Square multiple times about this, but they will not refund the money nor help him access that account. The money is now permanently in an account that no one has access to besides Square. They have essentially stolen this money and are refusing to work to resolve it. 

The only replies I have received from them are standard form responses saying that payments can not be refunded.
Product: Checking or savings account

My son and I live on {$750.00} per month. On XX/XX/2018 the same day of my ssi deposit ; my account was debited {$170.00} by a XXXX in XXXX XXXX XXXX. I was told I would still have to dispute this charge even though it was a breach on XXXX XXXX. I have disputed just as I was told too. Upon contacting XXXX XXXX XXXX I was given this info and told that I was the third person that had this problem. I have faxed three disputes and mailed there dispute form and still nothing .My acct card number was ran as a credit card, I explained that I was having hardship and needed these funds to pay my light bill that will be turned off if not paid tomorrow. I also told them if they would look at my acct that they could see that I am in XXXX XXXX. This is a nightmare. I have nobody to ask for help and I am so afraid. Nobody from this company will help me. I need a provisional credit. They know I didn't make this charge. Please help me. The dispute number is XXXX. My card was in my possession they have sent me another one. I memorize my pin number. 

Also upon calling the XXXX they told me no charges of that amount at the time I was given by XXXX XXXX had never occurred.
Product: Student loan

Changed payment plan several years ago to IBR. First PAYE then REPAYE. My balances have almost doubled although I've never missed a payment. Customer service can never explain why and the payment plans make no mention of this. How can this happen? I am on a payment plan because I'm a single mother of a severely XXXX child. By the time loan forgiveness hits on these so called plans I might owe hundreds of thousands of dollars. Nelnet is my serving company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to cancel a payment through the app and was unsuccessful. 
I called XXXX XXXX and had a conference call with a XXXXXXXX XXXX representative on the line since XXXX would be the paying agent. I explained that the app was not working and I was not able to cancel the scheduled {$150.00} payment to change the amount. The representative stated that they were having problems with the app and she would take care of the cancellation. However, she did not do so and I called XXXX XXXX after the amount supposedly canceled was taken out of my XXXXXXXX account. I spoke with XXXX XXXX and they reversed it. I made the minimum amount due making sure the payment was on time.The XXXX XXXX representative said she would take care of it. I have a copy of my latest statement where the amount they list is not due until XX/XX/2022. They listed it as past due. I have never been late on this account. On the statement it shows that the last payment was XXXXand the next payment that they listed as past due is inaccurate.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated
Product: Checking or savings account

When checking my mail after a couple of weeks I received a debt card, statement, and a letter of overdraft for insufficient funds transferred online using an account opened in my name with my social security number. 
Bank : TD Bank Opened approximately : XX/XX/2022. 
Letter of overdraft sent : XX/XX/2022 Amount of : {$30.00} for posted items presented for payment on XX/XX/2022 at XXXX for a transfer to XXXX? 
I called TD Bank 's fraud department right away this morning, XX/XX/2022 at XXXX, and they closed the account. They are also sending it out to be investigated. 
They have stated that I have been a victim of identity theft and gave me the numbers for XXXX XXXX XXXX  the FTC, and Social Security to have my S.S # blocked. 
I have also called XXXX, after speaking with TD Bank, to have a lock on all three reporting agencies with extra security on anything that may hit my social security number again. This is good for 1 yr. 
When your office opens, I will be calling the Social Security number given to have my social locked.
Product: Vehicle loan or lease

I cosigned for a car XX/XX/XXXX from Santander Consumer USA. I found out the person who I cosigned the car for wasn't paying the note so I put the car up for voluntary repossession approximately XX/XX/XXXX. The person ended up skipping town with the car and on XX/XX/XXXX he was arrested for XXXX XXXX XXXX in New Mexico. The crime happened in XXXX, Arizona so the car and the young man were transferred there.  The car was involved in the crime thats why they took the car as well. I've been in constant contact with Santander to try and get this issue resolved. I've also been in contact with the XXXX  County police department in regards to the car. They had told me they couldn't release the car until the trial was over. The trial ended sometime in XX/XX/XXXX and I was able to get the location of the car and a case number for Santander to pick it up. I also spoke with the detective who has been waiting for Santander to pick it up. During these past few years Santander has not sent me any mail regarding the car, no bills nothing. Ive had someone work on my credit and Santander was supposed to send a letter back within thirty days and I never got anything from them. I get no type of communication from them. I called Santander today just to get my account number. They explained to me they have been trying to get in touch with the officer who has the car and that they had been calling him when I asked when they called they hung up on me ( XX/XX/XXXX). I I had told them once they get the car back we could work out something because im trying to buy a home and this is the only thing stopping me. in the year XX/XX/XXXX they reported me late on this car payment three times which makes no sense because it hasnt been paid at all. It should be late 12 months. Im trying my hardest with them but I never get anywhere. They dont seem to want to pick up the car and they dont seem to want to communicate with me about it.  The situation is pretty unfair and im trying to resolve it but i keep coming up short with these people. I have no documentation except police reports and a few bills from when I first got the car but other than that they have not sent out any correspondence in regards to the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no purpose for these credit reporting companies to continue carrying information from old accounts on a credit report. It is done as punishment to keep credit scores low, although an account is paid in full and closed. They want people to buy their " products '' that will raise scores. It should be illegal for credit reporting companies to keep anything on a person 's report after an account is paid and closed. Maintaining something on a report for seven years is ridiculous. If you want to believe XXXX sayings about debt after seven years, go ahead but do not force the rest of us to live by it. Also, the credit scores fluctuate a tremendous amount for the smallest amount of activity on credit cards. Credit reporting agencies are a major reason for why people stay poor and are forced to pay higher interest rates. It is all so a corrupt and our government allows this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX for {$140.00} ; # XXXX for {$3200.00} ; # XXXX for {$140.00} ; and # XXXX for {$250.00} XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Systems 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report from Experian, XXXX and XXXX and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Complaint Regarding Unauthorized Hard Inquiry XXXX  Dear Consumer Financial Protection Bureau , I am filing a formal complaint regarding an unauthorized hard inquiry on my credit report conducted by XXXX, XXXX XX/XX/year>. I have never applied for credit with this institution, nor have I authorized this inquiry. 

Under 15 U.S.C 1681b of the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose before accessing my credit file. Since I did not grant such permission, this inquiry is unlawful and should be removed immediately. 

I have already disputed this matter with TransUnion, but they have failed to properly investigate and remove the unauthorized inquiry. Due to their noncompliance, I am requesting the CFPB to intervene and take appropriate action to ensure my consumer rights are upheld.