23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was tran sferred to Specialized Loan Servicing in   XXXX   XXXX .  SLS h as failed to honor the payment amount that  XXXX   XXXX  had in place while they serviced my loan. My payment amount was {$2600.00}.  SLS says that my  payment is over {$2600.00}. This is clearly wrong.  <P/> In addition,  XXXX   XXXX  ran an escrow analysis in  XXXX   XXXX , and my payment adjusted. When the loan transferred , SLS failed to honor the escrow analysis, and ran another analysis. The payments increased again, and I  was given limited help in having this issue rectified.
Product: Debt collection

I recently set up payment plans with a collection agency in XX/XX/XXXX, I set up for XXXX dollars at the end of each month to be taken out and for the first payment to be taken out XX/XX/XXXX. I paid XXXX dollars over the phone for the month of XX/XX/XXXX over the phone the same day I set up my payment plans. Well then at the end of XX/XX/XXXX someone took out XXXX dollars out of my account which I didn not give consent to. I strictly stated over the phone for the second payment to start in XX/XX/XXXX so I know it 's only XXXX Dollars but I did not consent for that money to be taken out of my account. I have been playing phone tag with the people for over XXXX weeks now and I want my money I never gave any consent for that payment to be taken out so I feel as I was robbed it is impossible to speak to anyone who speaks great XXXX so calling this company repeatedly does nothing. XXXX XXXX XXXX XXXX XXXX are scammers in my eyes!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, by their own admission, has exposed my social security number and other personal information to hackers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information ( including my SSN, Drivers License Info, Addresses, and more ) was stolen from a hacking, and Equifax did n't tell the public about the hack until more than a month after the hacking. During this time, three Equifax executives were caught inside trading. It really shows how Equifax cares about other people!
Product: Vehicle loan or lease

I tried contacting Regional Acceptance Corp on serval occasions, regarding the Charge-off remark I have remaining on my credit report. I was in an accident and my car was totaled. I no longer have the car. However, they put this derogatory remark on my credit and I have tried contacting them several times in attempt to submit payment. I called several times to speak with a manager never heard back and sent emails last year in XXXX as well. I was told by a rep I could submit payment for the charge off remaining amount and have the remark removed from my credit. However, before doing so I requested they put what they're saying in writing, and I will submit payment. I never heard back. This is a huge inconvenience. They are responsible for this remark therefore they have the access & authority to remove it. I do not want to pay them and then they don't remove the remark from my credit report. I've done my own research and typically with charge-offs are successfully paid, the company contacts ALL three-credit bureaus and request for them to remove the remark from the consumer report. The professionalism with them is horrible and their customer service department is awful. They say one thing and do another by transferring me around and never follow-up with me. I expect better. This company doesn't have a XXXX rating for nothing! The accident was not my fault and now I'm being penalized although I'm trying to rectify the situation that happened years ago in XXXX!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : $ {$38000.00}
Product: Credit card

I use my banks bill payer service to pay all my bills in XXXX place. 
I schedule bills to be paid XXXX days before they are due. 

Citibank decided to stop accepting electronic transfer payments with no notice advance notice to me. My bill payer service had to switch to using a paper check, which was XXXX  days late. 
I always pay my bills in full, but I was charged interest and a late fee, because of Citibanks payment processing change. 

I called customer service and the late fee was removed but the representative didnt have the authority to remove the finance charge. I was transferred to a supervisor who refused to remove the finance charge. He kept repeating, in an icy cold voice, that my payment was late. 

I only found out my payment was late because it showed up in XXXX XXXX, which I use to see my charges all in XXXX place. I immediately paid for all new charges since my statement date, so I wouldnt be charged more interest on them. Had I not seen the problem through another app, Citibank would have charged me even more interest. Citibank did not notify me my payment was processed late. 

My payment was scheduled to arrive before the due date. It was processed late because of a change Citibank made with no advance warning. I consider the interest they charged me as theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

They pulled my credit report without my permission i did not authorize this credit pulled so it put a hard inquiry on my credit report without my permissions
Product: Credit reporting or other personal consumer reports

I was approached at a XXXX located on XXXX XXXX in XXXX, Virginia by XXXX men, XXXX asking if there is a XXXX around. He then asked to use my cell phone because he is in dire straights and needed to call a relative so that he could receive money so he could have a place to stay for the night. I allowed him to use my cell phone. The fraudster went into my XXXX app on my phone and took out a loan for {$6000.00}. After having my phone for too long I asked for it back and that's when I noticed my bank account on the screen and that there was money transferred from my account to people I do not know and a loan approved for {$6000.00}. The men left immediately when he handed me back my phone. I called XXXX immediately and reported what happened. I then went to the XXXX Police Department and reported the scam and was informed that it is a local scam targeting military looking men and veteran 's. XXXX opened a fraud claim and denied it. I then appealed the decision and they denied it again. I have not received an official letter stating that yet, however, I called today and was informed it is denied. I did not receive any money, I did not make the transfers, I did not apply for the loan. I was scammed and XXXX is trying to hold me responsible for a loan that I never received. This is a known scam in the area I live in, however, I did not know this until after speaking to the policy department. I have now spoken with many people in the XXXX XXXX are, you and old that this has occurred to. In the meantime, I am paying a monthly payment on a loan that I didn't apply for or receive any of the money so that it does not impact my credit score until I can get this resolved. I should not be held accountable for a loan that was taken out fraudulently and under false pretenses by someone else. XXXX does not take care of their members as their mission statement states they do and they should not be publishing " Their customers is their mission ''. I am now looking into hiring a criminal defense attorney to represent me and bring suit against XXXX which is more expense to correct this.
Product: Debt collection

Debt supposedly sold to XXXX after debt was written off and no 1099-C can be provided or was provided
Product: Debt collection

I am the natural person, in fact, XXXX XXXX. AfterPay has stated that I owe an alleged debt and has refused to give me my right to dispute the validity of the alleged debt. AfterPay has not given any sworn statement verifying the validity of this alleged debt and will not allow me to continue to use services. AfterPay has refused to give a sworn statement containing the name and address of the originial creditor. AfterPay has used abusive and obscene language regarding this alleged debt.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XX/XX/year> {$10000.00} XXXX XXXX XXXX Trans Union, XXXX, and XXXX have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Checking or savings account

I was charged XXXX times for recurring expenses, leading my account to XXXX. I then transferred over {$100.00}. Somehow, I was still charged for XXXX overdraft fees despite my account being positive. Wells Fargo refuses to do anything about it
Product: Mortgage

I sold my home and paid off the existing Va. loan with Freedom Mortgage on XXXX-21. I submitted the change of address at closing and with my post office. Freedom Mortgage allegedly sent my escrow refund for {$2400.00} to my old address. I never received the check and contacted Freedom Mortgage on several occasion 's. I has now been over a month and a half and I'm told it will still be over a month before they will send me my funds by check. Freedom Mortgage refused to wire me the funds and will not return my phone calls. Please help! 

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

Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, XXXX XXXX XXXX XXXX   started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The XXXX Preservation Departement reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date. 
To my surprise, I reviewed my CRA noting XXXX delinquent report for 9months. 
I addressed this information with the bank, stating unaware of the report to the bureaus. 
This false report is badly reflecting my score while rebuilding my score and hard work. 
Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the AGO, City Hall Mayor 's office, and my Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a followup regarding inaccurate reporting on my consumer file. Laws where broken and they are outlined in the attached files. Still waiting to hear back regarding the results of this. 

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

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 


XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I had identity theft that resulted in the creation of the account. The identity theft occured from a roommate who lived at my property and had access to my mail. Through illegal activities including physical theft and identity theft, they opened this account fraudulently and used it to acquire merchandise that I did not authorize, benefit from, participate in, or allow. The police were notified, the FTC was notified, the credit bureaus were notified, and in spite of numerous police reports, direct complaints, indirect complaints, and disputes, they refuse to remove the information certified its accuracy under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  XXXX and XXXX gm financial is reporting late payments. I paid 2 months at once and requested to have it paid a month in advance. The employee did not do this correctly and put it to pdiceable causing months to be late with out me knowing. I have contacted them. Since the account is paid in full they said they will not change it.
Product: Checking or savings account

I used my citibank debit card at XXXX. Soon after I received an email from citi bank asking me did i make the transaction and to confirm if it was me. I said yes and it said that my card was available to use again. Shortly after my account was locked, i couldnt use my debit card nor could i login online or view my bank statements. I called and they said a letter would be sent in the mail with a reference number. 7-10 business days went by and absolutely nothing came in the mail. I have been calling citibank for over a year now it is XX/XX/2022. And i still have been getting nonstop runarounds and transfers between departments only for them to tell me they arent the ones who placed the lock on my account. It is extremely frustrating not being able to have access to my account or my funds. I have not done anything wrong as a citibank client their business practices are UNETHICAL.
Product: Debt collection

This company midland credit management is not licensed to collect debt in New York. Yet they have all of my information and change info on my credit report weekly. This debt was caused by fraud from a family member. I would like them to take the account off of all 3 credit reports as they are operating illegally in New York State.
Product: Vehicle loan or lease

This is a XXXX addendum to my complaint against Ally. So to date, Ally has reported to the credit bureaus a voluntary repossession and has noted incorrect lateness on all my credit reports. In addition to that and the most concerning is that I received a letter from Ally that states that I told them I have a lawyer so they will not be submitting any information to me and for me to provide the name of my lawyer so the information can be released to my lawyer and I had a timeline to do so before they would contact me. I just received this letter on Thursday, XX/XX/XXXX. Please see letter attached. So I called Ally and I spoke with someone and advised that I do not have a lawyer and I need the information of the sale sent to me so that I can rectify the remaining balance. He said he would take my information and record it. I am concerned that with all the incorrect information on this sub-prime loan that I will not get a fair shot at paying the balance. Currently on my credit report they have two balances listed which is concerning. 1 for {$880.00} late amount and a 2 a total balance of {$25000.00} for the loan. These are clear, however I am not clear on what these are and Ally representatives are not providing any information.
Product: Credit reporting

I have received discharge order from bankruptcy court XX/XX/2000 
But on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ).
Product: Credit reporting or other personal consumer reports

on XXXX, i sent XXXX and XXXX a letter disputing the inaccurate account and the unauthorized inquiries that's reporting on my credit report.I am requesting that they removed them ASAP because they are damaging my credit profile and keeps me from obtaining things due to my credit.
Product: Credit reporting or other personal consumer reports

I want to make it clear that I did not provide authorization for anyone else to use my information to open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX and successfully obtained my XXXX  and XXXX reports but the EQUIFAX report resulted in an error and returned me to the XXXX web page which " assumed '' I obtained the report and would n't let me try again. 

Given all of the media attention around the Equifax data breach, I must obtain a copy. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I notice that I was a victim of identity theft. I reached out directly to the creditors and reached out directly to the credit bureaus. Neither has been helpful in stressful situations. My identity was taken and I am suffering from the aftermath of it. Police reports have been provided to both credit bureaus and creditors to show that this matter is serious. 

The following accounts on my credit reports were due to someone taking my identity. An FTC complaint was filed and I am still unable to get any resolution : XXXX XXXX XXXX$660.00} charge off account XXXX XXXX  {$870.00} charge off account XXXX XXXX XXXX XXXX {$10000.00} charge off account XXXX XXXX XXXX XXXX {$3700.00} loan account XXXX {$0.00} charge off the account and sold to another XXXX XXXX {$0.00} charge off and transferred
Product: Checking or savings account

The account was initially opened with another bank which was purchased by BMO. I did not authorize BMO to keep this account open when they did. So I request the fee be cancelled and my account be closed.
Product: Credit card or prepaid card

I placed an order online with XXXX using my XXXX card. The card was declined. I opened online chat session with XXXXSynchrony and asked what was going on and was told that my account was closed. I had never received any notification that my account was being closed. I asked why ... and who closed the account. I was told XXXX/Synchrony closed the card. They told me that they made a " business decision '' to close my card due to my XXXX credit report. I have had this card for about 4 years. When I received the card I had about {$1700.00} limit, never charged the card to the limit, they then lowered the limit again and again with no reason as ALL payments were being made on time ( except maybe 2 were a day or two late ). Eventually they lowered the limit to {$170.00}. Always paid on time, never the minimum payment, and the account had a -XXXX-  balance. They just up and closed the account from what I can see from my credit report in XX/XX/XXXX. By them closing the account XXXX/Synchrony drove down my credit rating for NO reason to them. I might be able to understand their decision if my account had been in arrears, but that is/was not the case. They have caused my credit rating to fall 40 points and it also looks very bad on my report that the " creditor '' closed the account. From what I can see online I am not the only person who has had this same problem with them. It seems to be a pattern with many other former customers. All whom have said they will never purchase anything from XXXX again!!
Product: Credit reporting or other personal consumer reports

I am very upset with this process. On XX/XX/XXXX I filed a complaint with XXXX. I've done everything that was asked of me and still I have a problem with it. This information is not my information. It is fraudulent information I sent you all the information you needed and still you haven't taken care of it I don't know what the problem is you said that I didn't send in the right information I sent in the FTC report as well as my verified ID in my utility bill and my Social Security card. I called to verify that everything had been received and that you guys were going to remove the information because it was fraudulent and I gave all the information but yet and still you did not remove it. I had to call several times talked to several people wait online while they transferred me to different departments I just. Need you to remove this information the law says you have XXXX days to remove it. You did not remove the information that is a violation. 
15 us Code 1681c -2 fraud remove in XXXX days 15 us Code 1681e - reporting inaccuracy All I want is for this to be fixed. Please remove these items immediately. They are not mine and they are not accurate. You did not explain how the information was verified but given the fact that you're being paid by these companies, I'm sure that you're taking their side without verifying any information. The information I need to verify is whether or not this is my account or was it fraudulently opened you're not doing that you are not doing what you're supposed to do by the law. Remove these items immediately it's affecting my ability to get Credit to help me with the things I need, including getting a job and you are not following the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hi there, I opened a chase checking account on XXXX at Chase XXXX XXXX branch with a promo of {$220.00} bonus ( see attached ). I've met all requirements, but bonus hasn't been deposited as committed by Chase per promo terms. I've contacted chase, they couldn't locate the promo attached to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing wrong date of birth names ftc violation mistakes on my college loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to have my information updated over 60 days ago. No reply nor results : please have all unverifiable and un authorized information removed off my credit. I will have to file for litigation
Product: Debt collection

The company/collection agency has placed a debt collection on my minor son 's credit report. I have contacted the Credit Bureau Experian and after conducting an investigation on my dispute, they continue to jeperdize my son 's credit history with an account not belonging to him that is been obtained by someone else while he was a minor. Under law, no underage is to open, sign for, or acquire any debts. The account DOES NOT BELONG TO HIM!