23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To : Specialized Loan Servicing LLC/CMC Funding XXXX. XXXX  XXXX XXXX, CO XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at : XX XXXXX Road, XXX XXX, XX XXXXX. 

I have been notified by the XXXXXX County Treasurer that your company failed to pay the following expenses from my escrow account : Property taxes : in the amount of {$1200.00} which was due on XX/XX/XXXX. 

I have been notified by the XXXXX County Treasurer that there are now late charges in the amount of {$24.00} and total accrued interest of {$17.00} XXXX as of XX/XX/XXXX ) for a new total due of {$1200.00} by XX/XX/XXXX. I fully expect Specialized Loan Servicing LLC to pay this added expense on our behalf. 
Please remit payment to : XXXX County Treasurer PO Box XXX XXXXXX XXXX, XX XXXXX A property tax lien is pending on our property and will go into effect as of XX/XX/XXXX if you do not, once again, remit payment on time. Please properly disperse the funds that we have already paid to you from our escrow account to the XXXXXX County Treasurer. 

We have called multiple times in an effort to get you to pay our taxes from our escrow account before the due date was passed. These calls were placed from XXXX through XXXX in an effort to seek a resolution. Our property and names have been published in the local newspaper as delinquent taxpayers due to your negligence and breach of fiduciary duty. This error needs to be addressed well before the deadline of ten days.
Product: Money transfer, virtual currency, or money service

This is regarding my fund transfer to my XXXX account in XXXX with XXXX XXXX. In order to activate my dormant XXXX   account, I transferred {$1000.00} from my XXXX XXXX account to the XXXX   account through " Remitly '' on XX/XX/XXXX. After few days I got a confirmation from Remitly that the fund transfer was completed but I did not see the funds in my bank account in XXXX. I talked to the customer care team of XXXX XXXX XXXX but they told me that they never received the funds as the account was in dormant status. I also checked with my XXXX XXXX   account used for my Remitly transfer and they said that from their side the amount has been debited and I need to check with Remitly on where the funds are stuck. I have already followed up with Remitly customer care ( over live chat ) twice but the issue is still not resolved. I need your help for the matter to be sorted out as I am being treated like a football and being kicked around. Remitly ref # for the transaction is XXXX.
Product: Student loan

Original loan amt : $ XXXX/Institution : XXXX It is my understanding that XXXX got out of the student loan business and sold the portfolio to XXXX XXXX  in XXXX NE . 

XXXX Acct # : XXXX Over the last couple of months I have written and called XXXX to find out how I can pay off this loan in a lump sum for a lesser amount. I asked this because we have already paid in the neighborhood of {$3800.00} and the balance due is still {$11000.00}. They will only accept payment in the full amount. I'm not a finance wizard but doesn't that calculate to at least 40 % interest when all is said and done? 

I'm retiring next year and trying to get on top of debt while I can and while my brother has offered to help me. My son is the borrower and I am the co-signer. The job market for my son has not been inconsistent so I'm helping. 

Is XXXX 's methodology reasonable and legal?
Product: Debt collection

I'm disputing fraudulent accounts on my credit report due to identity theft. The creditors, XXXX XXXX XXXX  and XXXX XXXX XXXX, agreed to remove them because of their fraudulent nature. Please take immediate action to remove these accounts, as failure to do so puts me at risk, and I'll take legal action if necessary.
Product: Credit card or prepaid card

I received an email on my XXXX prepaid credit card that a fraud alert occurred on my account I immediately declined the transaction and the called XXXX XXXX number told them the transaction was fraudulent and to decline, they told me I had to file a dispute, which I did when I received there paperwork, they are now telling me it will take 45 days to receive my money, back this is a prepaid card, that I load money to, and I have protections and rights they let the transaction go through, after I explained to them I don't live in florida where the transaction occurred, and that I never give my information or my card out to anyone, The Date I declined the Transaction was XX/XX/2018 for XXXX # XXXX in XXXX XXXX FL Transaction XXXX I immediately cancelled my card and changed my email passwords. However on XX/XX/18 they allowed the transaction to complete, And I filed the Official Declaration if Fraud with there company. After they emailed me the forms 7 days later Now they are telling me I may not get my money back. I cant Afford this The Phone Numbers I have called is XXXX
Product: Credit reporting or other personal consumer reports

I want the reported accounts to be removed, including all accounts in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST SEE THOSE INQUIRIES ON MY CREDIT REPORT AND ALL OF THEM WAS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX INQUIRY DATE : XX/XX/2023 WAS FRAUD AND SALL DELETE. 

XXXX XXXX ON DATE : XX/XX/2023 SHALL DELETE DUE TO FRAUD. 

DELETE ALL TYHOSE FRAUD INQUIRIES FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit report that does not belong to me I have disputed this before and its coming back as verified which can not be cause its not me, I have contacted the bankruptcy court and they gave nothing on file under my ssn .. This is the only credit report this bankruptcy is reporting on .. The bankruptcy must be linked with someone with the same name as me ... The bankruptcy court requested that I be provided with validation of my information saying this is my bankruptcy my name full and my full social security # and address that this bankruptcy is associated with proving this belongs to me because its inaccurate and there is no way it can be verified.. or I will like for this to be deleted from my credit report ... And I have a web bank account that is reporting in accurately that i request validation on and my signature or needs to be deleted ... I have a XXXX XXXX XXXX  account that I have paid off that was fruad that is on my credit report reporting in accurately that needs to be deleted and inquiries that I did not authorize that I will like deleted, I have provided Documentation For everything
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies below popped up on my credit information profile as hard inquiries in which I have no consent about the inquiry. I will like to dispute the hard inquiry the following company might have put in effect on my credit history or report. 

Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? 
Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Money transfer, virtual currency, or money service

An unauthorized transaction has been made on my PayPal account through my money paycard it just happened on the XX/XX/XXXX and it shows about XXXX $ and change were paid to a woman named XXXX XXXX, I do not know her and I do not use PayPal for anything. I have screenshots of the transaction and I really need my money back.
Product: Checking or savings account

On XX/XX/year> there was a check deposited from XXXX XXXX  check # XXXX in the amount of {$650.00}. at the time the check deposited it, the account was over drafted {$350.00} dollars, I was advised that the check would clear on XX/XX/year>, the check to date is still on hold by Chase Bank, The writer of the check called XXXX XXXX  to see what was going and why the check hadn't been paid to Chase Bank but XXXX manager XXXX at XXXX # XXXX stated the check had been paid on XX/XX/year> and their customer the check writer incurred a {$34.00} charge so they could cover the check. When I spoke with Chase, I was told the reason they couldn't release the check, was because they needed to verify the check had been paid. My account is now over drafted almost {$600.00} dollars over this and it's not my fault, but Chase is refunding to credit back the overdrafts fees. XXXX and the XXXX account holder stated that these funds were paid, and I must pay my rent on the XXXX, but because the account is over drafted, I won't have enough to make the payment. This is so dishearten, I'm already struggling as it is and to have a bank, I've been with for more than 20yrs respond to ne this way makes me want to close my accounts, this isn't hoe business is done, to add injury to insult you can't understand anything the Chase reps are saying because they don't speak XXXX well.
Product: Credit card or prepaid card

Paypal credit card ( synchrony bank ) reported balances to credit bureaus twice in one month, within a two week period. Balance was reported on XXXX XXXX XXXX for approximately {$56.00} and again on XX/XX/, for approximately {$270.00}. This has affected my credit score. I called when I opened card and was told balances would report when my statement ended on the XXXX  of each month, then it reported on the second day of XXXX. I called back and was told they report all balances on the XXXX  of each month. Then my balance was reported again on XX/XX/XXXX causing my scores to drop even more because I was under the impression that I would have until XX/XX/XXXX to pay cc balance down. The company has not been very helpful or able to clarify which date is reporting date.
Product: Debt collection

IQ Data ( aka XXXX ) Is attempting to collect on a debt they say originated fro XXXX at XXXX XXXX XXXX. This is the incorrect plaintiff in the action. The debt allegedly owed is not verifiable as the court documents are being contested : Wrong amount, incorrect plaintiff, incorrect dates. 

IQ Data maintains that the date of the owed amount is XX/XX/XXXX which conflicts with the already incorrect court documents that they are using as verification of debt. XXXX of XXXX XXXX XXXX is not the lien holder of the alleged debt and is not on any stipulation documents for this issue. 

I have the original documents from the court. As it stands IQ Data uses threatening language and refuses to allow me to provide the information to dispute the debt or any avenue to do so. I am simply talked over and threatened by the staff answering the phone. My attorney for the original issue stated that the debt has to have the proper lien holder, dates of the amount due, and proper amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX - has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the XXXX and TransUnion credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


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

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within XXXX days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.
Product: Credit card

I XXXX XXXX Open dispute with Wells Fargo XXXX XXXX XXXX XXXX XXXX for XXXX dollars for a bet on Celtics and mavericks I won but not according to XXXX XXXX so I ask Wellsfargo to dispute and recover my remaining balance on XXXX XXXX account for a total XXXX dollars This XXXX companies are ignoring my request to be fully be refunded for XXXX dollars
Product: Credit reporting or other personal consumer reports

n accordance with 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 information is inaccurate. The following inquiries on my report needs to be removed. 

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

I have filed numerous disputes with Experian credit reporting agency about two items on my report. I have asked for verification of these two debts but I have not received any proof of this debt. I called both agencies that have report these debts and they refuse to provide proof of this debt to me. The fist account is child support XXXX/XXXX/XXXX account # XXXX the address for this account is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX And the second is child support Enforcement account # XXXX The address for this account XXXX  XXXX XXXX, NY XXXX. I have called and written this corporation and I havent received any thing from the verifing that I owe them any money please advice on what to do now!
Product: Money transfers

I am purchasing a house and my mother and my sister wire transferred my funds from XXXX which I can use toward the purchase of a house. The wire transfer from my sister XXXX XXXX are held by the Bank of America. The funds came in on XXXX XXXX, 2015. Bank of America requested some additional information from the sending institution in XXXX, such as the name and the physical address of the originator and the complete physical address and the economic need for the wire transfer. They got all the necessary information back on XXXX XXXX. However, Bank of America still does not release the funds. I have a settlement on XXXX XXXX, 2015. When I called the Wire Transfer Department at XXXX I was advised by XXXX that the Bank has a right to keep these money for as long as they need.
Product: Credit reporting or other personal consumer reports

I'm trying to apply for credit but do to the fact that chexsystems, XXXX, XXXX and XXXX are reporting different things companies are using their reporting against me I can't open a bank get a loan credit, credit card nothing to help because of what the companies are reporting I have lost my job because I can't can't get funding on and it's unfair.
Product: Debt collection

In XX/XX/XXXX I entered in a loan agreement with Santander Consumer USA for a vehicle purchase loan. At the time of the loan I made a {$1500.00} down payment which was not applied to the loan. The dealerships explanation for this was that they have a ongoing partnership with Santander, and they will accept any altered financial documents to get a loan approved with no questions asked. They stated I wouldn't be able to get the car I wanted without some " magic '' on the backend. I really didn't understand what they meant, but I was glad to get the car I wanted. 

I made regular payments on my loan consistentley for the entirety of the loan with a few missed payments near the end of the loan due to a financial hardship. When I spoke with a representative in XX/XX/XXXX before the hardship arose, and nearing my loan maturity date, the representative on their recorded line stated that my last payment would be in XX/XX/XXXX and I would receive my title. 

After a few missed payments, I was informed in XX/XX/XXXX that I owed XXXX on the loan due to " interest '' and " late fees '' that are accumulating at {$3.00} per day. The rep told me I would need to modify the loan for an additional 24 months to pay the balance off. I asked for payment records since the loan was financed, and reviewed my credit report in regards to payment history, and there is no way I can come up with a balance due in excess of over {$5000.00} dollars. This compay is a predatory sub-prime lender preying on people with less than perfect credit. Their fees and overcharges are very shady and resembles the practices of a loan shark with a business license. Also, there is XXXX transparency in regards to fees and interest, and I have yet to receive a clear explanation in regards to why my loan balance ballooned in 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOITHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX  XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX.
Product: Credit card

I was a Bank of the West customer with no communication issues, zero difficulty signing on to the app or website, and no late payments. In XXXX, the non-profit organization where I was employed ( for just over five years ) had a catastrophic loss of funding ( due to lingering XXXX related collections issues ) of XXXX XXXX dollars. As a result, XXXX XXXX and XXXX were cut. I was XXXX XXXX from my job. This series of events was very disheartening and financially devastating. 

While I worked to navigate this very challenging situation, I relied on my savings and other income to continue to meet my financial obligations. As these circumstances took an extended period to resolve, I decided that my best ( and most responsible ) course of action was to work with a consumer credit counseling agency. 
The start-up part of the process occurred in XXXX and XXXX, communicating with creditors and reaching agreements to work with me through XXXX. The Bank of the West agreed to participate and further agreed to payments of {$130.00} monthly. Payments were made in XXXX and XXXX. In XXXX, I received a letter from XXXX informing me that BMO had purchased the Bank of the West and that BMO would not work with credit counseling agencies, would not honor agreements made by Bank of the West, and thus had been removed from my CCC monthly plan. Throughout XXXX, I attempted to understand and seek a solution to the problem. I repeatedly contacted BMO and held for extended periods, received inconsistent information, tried to speak with a supervisor, and was told none were available ; the one supervisor I spoke with said that the best plan available would be one requiring me to make three consecutive payments of {$630.00} to bring the account current ( if I could make payments, at this level, I would not have been calling, which I told her ), I requested assistance with the app and website sign-in as I was unable to access either and was told to just use you BOW log-in, I said to them that I no longer had that card and had never received a BMO card. I am also not receiving email or hard copy statements. Still, they could not provide a solution ; I received automated calls, and when I answered, either there was no one on the line or the person on the line was not properly trained and could not assist. When I attempt to sign in on the app or online with my social security number and e-mail ( the same for over 15 years ), I receive an error message saying, XXXX, this information does not match our records. 

Online reviews are staggeringly negative. The XXXX rating is one on a scale of five ( based on XXXX complaints in just Colorado ). Clearly, my experience is not unique.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed off my report due to identity theft XXXX continues to report this after I sent over multiple verification letters and identity theft reports XXXX took this off my credit now put it back on