23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Two years ago, I sent the below message to Senators XXXX and XXXX. I have yet to see any action. Is it time to give up and consider all politicians do not respond? My situation has been resolved after about 6 months of back and forth letters, but what about the unfortunate people who ca n't afford to close their account? SLS actions border on criminal! 
XX/XX/2015. 
Senators XXXX and XXXX : Please have someone look into the unethical/illegal practices of Specialized Loan Services ( SLS ) Corp based in Colorado. In our particular case, our HELOC was sold from XXXX to SLS. After reading about SLS, which is really a debt collection agency, with all of it 's tactics, we decided to payoff the HELOC and close our account. Two months later, we still ca n't get a correct statement from them in order to ensure the lien against our property is satisfied. Rather than give you more particulars, I believe it would be best if your staff googled " SLS Complaints '' and read about their tactics. There are some very unfortunate people being taken advantage of ; some being threatened with losing their homes over a " missed '' {$50.00} payment. I say " missed '' because SLS does n't cash the check and then the " fun '' begins. This outfit has been in business at least 8 years and it is overdue to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX 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 {$4900.00} ; XXXX XXXX XXXX Balance : - 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 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 XXXXXX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business XXXX after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few fraudlent hard inquiries on my Transunion and XXXX report. 

I've contacted all of the financial institutions and asked for removal of those inquiries and they said they don't have tools to do that. 

Institutions I've contacted regarding inquiries : Transunion XXXX XXXX  XXXX 2 hard inquiries. 
XX/XX/2022 XX/XX/2022 XXXXXXXX XXXX 2 hard inquiries XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XXXX  hang up on me multiple times when I've tried to resolve the issue XXXX said they will submit a dispute but member responded back to me
Product: Debt collection

An individual called from ( XXXX ) XXXX stating they represent XXXX. The person stated in a voicemail that I need to call XXXX with reference number XXXX. When I called the number provided, an individual answered stating that XXXX XXXX was filing action against me instead of wage garnishment for the amount of money owed from checking account. ( {$850.00} plus - can not recall exact amount ) I advised the representative that I do not owe any money to XXXX XXXX because I had closed the account in good standing. I attempted to contact the bank concerning the matter and they could not provide proof of the debt. XXXX XXXX merged with Wells Fargo in XX/XX/2008. I called Wells Fargo recently and the representative advised that Wells Fargo was not filing suit against me. The representative did not have information of the company claiming to file suit. They were trying to persuade me to pay the amount over the phone or XXXX would file suit against me ( jail ). They informed me that if I was disputing the matter, I would have to take action in court when my court papers arrived at my place of residency. I advised the individual that I would see them in court, because I am not about to pay without proof of the debt. 

I called the company back later and was informed the name of the company is XXXX , XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX /Account number- Username ( XXXX ) Account name : XXXX XXXX  Mastercard/ Account number XXXX XXXX my rights. 

15 U.S.C1681 section 602 A. states I have the right to privacy. 

15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate.

Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from XXXX consumer on XX/XX/XXXX. I had the car all the way till XX/XX/XXXX when the loan went into default which resulted resulted In a repossession. My loan was at risk for default from the beginning because I was a first time car buyer with a APR of 26 %. After the car was taken I then saw the multistate settlement that was filed against XXXX consumer which included my state ( Georgia ). It said to be included in the settlement you would have had to have a loan with XXXX consumer between XX/XX/XXXX to XX/XX/XXXX. Also your car had to be repossessed within 12 months of getting the loan. I qualified under both requirements so I reached out to XXXX consumer to see what could be done. In the settlement some people were offered restitution, but I didnt want restitution I just wanted the charge off of the repossession to come off of my credit as what was stated in this multi state settlement. When I reached out to XXXX consumer they were not helpful at all and did not want to give me any information about the settlement. I have called them for months trying to get them to remove it from my credit because although it says charged off it still shows negative things on my credit which causes my credit to drop 30 points or more each time they decide to keep reporting. Also the loan was a joint loan so not only was It hurting me but its hurting the person who signed with me which has held them back for qualifying for a house loan. When I reached out to them they said they had sold my debt to XXXX XXXX so I dont understand how theyre able to still report negatively on my credit. But also I didnt understand how they sold the debt when they where suppose to remove It from my credit and give me debt relief. Also when I tried to dispute the matter on XXXX  XXXX  they retaliated on me and reported on my credit as If the account was still open In XX/XX/XXXX which resulted In my score dropping drastically.
Product: Credit reporting or other personal consumer reports

Experian is accepting fraudulent information from a furnisher onto my credit file without permissible use. Experian is also failed to verify with the furnisher, a contract that would enable the furnisher to report an account onto my credit profile. Neither the furnisher nor Experian sent any notice to me prior to placing the alleged debt onto my credit profile in order for me to assert any obligations. The debt reports no payment history, yet in XXXX of 2023, Experian reports this alleged debt as a new collection account. Said action is a FCRA violation. In addition, after I notified Experian of said violation in 2 online disputes, instead of removing the account from my profile per FCRA law, they deliberately sabotaged my profile and compounded said violations by duplicating said fraudulently reported account. After their false dispute and research into the matter, Experian is now reporting the same debt as a duplicated debt bearing the same account number doubling the amount of said alleged debt. This is deliberate inaccurate credit reporting. Experian is now illegally reporting the same account 2 times onto my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax regarding 2 accounts with XXXX XXXX XXXX in the amount of {$970.00} and {$59.00}. On XX/XX/XXXX Equifax advised me that their dispute was complete and the account was verified. On XX/XX/XXXX I contacted the creditor in an attempt to find out additional information about this account. We attempted to located the account using my ss #, dl, address ( old and current ), phone number, account number listed on Equifax report, and name. After searching for the account well over 30 minutes without finding any accounts, I disconnected the call and called back to speak with another representative who was also unable to locate an account using the information provided. I then requested to speak with a supervisor because again Equifax claimed the account was verified and I just wanted to get it resolved. After speaking with a supervisor, who was also unable to locate an account, she requested that I fax over the documentation provided from Equifax. I immediately faxed over the documentation and followed up on XX/XX/XXXX. I was then notified that no account was able to be found. I then asked to fax some letter over to equifax advising that the account does not belong to me and of course they were unable to do that. 

I contacted Equifax again on XX/XX/XXXX and XX/XX/XXXX and requested proof or any documentation provided to confirm that this account in fact did belong to me. I explained to them that after multiple phone calls with the creditor I was unable to verify or locate an account. After speaking with the representative and supervisor I was told that they were unable to provide any documentation that states they are required to validate debt. How am i to resolve an account that does n't exist with the creditor? How is it that Equifax allegedly verified account but the creditor is unable to locate the account?
Product: Checking or savings account

I had a promotional rate for opening a 9 month cd of 5.15 % with Discover Bank. I opened the account online and this procedure gave me the option to transfer the incoming funds from an externally linked bank account connected to Discover Bank. I chose to send {$2000.00} from my XXXX XXXX account to my new Discover XXXX ending in # XXXX ( the full account number has not been made available yet ). The next day my XXXX XXXX account was debited the {$2000.00} but never appeared in my new cd with Discover. It has been more than a week and the first agent with Discover that I spoke with told me that when I opened the cd and authorized the funds transfer, the money was automatically placed into the account at that moment as an incoming transfer, and it has never appeared as an incoming transfer to the account and no one can tell me where the money is and from what bank did I transfer the money from. their answers are blank and I can't get anywhere. Can you please help me locate the XXXX XXXX dollars that is missing. This is very suspicious.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 
I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit card

I attempted to make a purchase on XXXX. On the XXXX of XXXXThe payment was denied. 

As a result, I called " CHASE United mileage plus select '' VISA. 
I was told my account was locked. I asked them why and they said they would send a code to my phone. I gave them the number and they said they could not send a code to a number in XXXX. ( I have lived here for 12 years and they were aware of it. ) They said I should call the security center, and they could send me an email with the code. I called the " security '' department and explained what happened. They said they were unable to send a code to my email. After some time, they said they could ask me some personal questions and if I was able to answer correctly they would proceed with unlocking my account. 
After they asked me the questions, of which I only recognized one, I was told I had failed the questions. 

They told me they would forward my issue to a higher department and I would recieve a " CALL '' within the next 48 hours and to keep my line open! Remember, they told me they could " not call my number in XXXX! '' I would just get another credit card in the U.S, but I currently do not have a U.S. address. I got the VISA when I lived in the U.S. 

I have other issues with this card, but I will address them on future emails to you. At present I just need to have my card unlocked. 

Thanks, XXXX
Product: Checking or savings account

On XX/XX/2023 I made a transfer of {$50.00} from my savings to my checking BEFORE I made a purchase to XXXX  to ensure the money was in the account. On XX/XX/2023 Vystar Credit Union debited my account for a courtesy pay in the amount of {$29.00} ; however, there was nothing for the credit union to cover because I put the funds in the account. I have screen shots of my account AFTER making the transfer and it looks like someone intentionally tried to withdraw {$50.00} from the checking account but the funds were debited from the savings account. This has happened three times in 14 days and the last time I reached out to Vystar to have the fee reversed the customer service representative told me that it would be the last time the credit union would reverse the fee. The financial institution is charging bank fees to customers when no courtesy pay has occurred.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
DOB : XXXX XXXX XXXX XXXX SECURITY FREEZE
Product: Credit card

In early XXXX I made a payment 3 times the amount of my amount due to payoff my account early. My payment applied just to principal and when I asked for a payment reallocation they told me they couldn't do that. Since I thought I was paid up for XXXX I then received a late fee. I asked for a payment reallocation and was told no and now they also charged me a late fee. So instead of owing {$7.00} total on my account I owe {$37.00}.
Product: Debt collection

I dont know which company name plaza Services and XXXX XXXX XXXX This company post some debt on my credit report and I did not own any money with those company. I try to contact them but no one can explain to me where is the account come? They just tell me to pay it, but I have never do any business with those company. Please help me investigate this matter! Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my reports that I did not authorize and do not recognize including : XXXX Report XXXX XXXX Inquiry date XX/XX/XXXX *Equifax XXXX XXXX XXXX date XX/XX/XXXX *Equifax XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  / Inquiry date XX/XX/XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX Report XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX / Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax Report XXXX XXXX / Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry data XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX *Equifax Mortgage Ser / Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/18 I made a payment of {$240.00} for my XXXX XXXX government credit card, I did not receive any confirmation or code so I waited to see if it hit my bank account. The next day I saw it hadnt posted so I thought i may have made a mistake and made a second identical payment for {$240.00} on XX/XX/18. Afterwards both payments hit my accounts, I contacted Citi customer service to see if they could stop one payment they said they could not and told me all I had to do was email them proof and that they would refund me within the next day. I did as I was instructed and received an automated mail that said they were investigating the case and that I would hear from them no later than 2 business days. I let 3 business days pass before I contacted them again via email to see the status update. I heard nothing from them until I called a few days later to be told again that my case was being investigated I let them know that it was a simple overpayment and I had no other balance on the card other than the {$240.00} that I had paid, twice. The woman I spoke to then said if it were approved they would send me a check to my location overseas, which worries me since mail is known to get lost enroute..I asked if they could please just deposit to the same account they drafted from. She said she would note my account but it was improbable. It has now been 10 days since the initial contact and Im still in the dark about whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion refuse to allow me to see my credit reports online. XXXX just started this to me after I submitted the complaint against them through the CFPB. They refuse to accurately verify the accounts in question instead they just update the accounts with the fraud information. As far as Transunion they won't allow me to create an online account either they tell me I already have one every time I try to reset the password it shows an email that doesn't belong to me. I have brought this up which clearly indicates fraud but they refuse to help me. Instead, they send letters to my XXXX XXXX verify my address which I have done several times and yet they won't update it. I will be uploading my pay stub as proof of address on this complaint. It is also against the law to prevent me from accessing my credit report. I have to rely on other sources to get my report. then they try to force me to pay a credit score that they won't even update. XXXX sent me a letter in the mail that said I didn't have a credit file yet here we are still with this information they won't delete.
Product: Money transfer, virtual currency, or money service

My XXXX transfer from XXXX got rejected by a correspondent bank on XX/XX/2022. After 10 months it is still being held by a correspondent with no communication whatsoever. JP Morgan Chase is ignoring all and any inquiries from either myself or a remitting bank. The transfer is also not being accounted for and not declared as blocked to XXXX as is rehired by law. In this circumstances I am left with no options for license procurement. JP Morgan is unlawfully keeping my funds and refuses to have any communication in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/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 XXXXXX/XX/XXXX