23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I got this attached letter over the weekend from company by name : Specialized Loan Servicing company, which I do know or heard anything about them until now. Their name has never been mentioned to me in any of the mortgage information received either from XXXX or XXXX XXXX company that claimed that they are part of XXXX XXXX. In the letter from SLS-Colorado, they claimed that their creditor want me to pay them {$190000.00} .... ( See attached doc. )
Product: Debt collection

This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Moreover, XXXX XXXX XXXX committed aggravated identity theft when they resold my private information to Transworld Systems collection agency.
Product: Credit card or prepaid card

i applied for a barclay card and i was denied do to unsatisfactory prior relationship, i was never late or anything on my card always paid balances in full, they closed me down because i was a victim of id theft and some XXXX went on my credit report and even though i sent them the police report and transunion deleted that fraud off my report there still denying me
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a delinquent report on my HSBC Credit card since the auto pay was returned due to non sufficient of the funds on XXXX XX/XX/2020. However, I have the HSBC Select Line of Credit for Overdraft Protection, which was setup to cover for non sufficient funds on the checking account. The HSBC Select account should have handled this case and there should not be a delinquent report. 

HSBC customer service said - " The HSBC select credit account will not cover for HSBC Credit Card payment as per the EZ pay policy ( auto pay ). " - They also mentioned this information is only showed at the time of enrolling the auto pay service. This is completely false. There is no mention of that. 

Here is what it says in a very small box during autopay setup : " Note : If there are not enough funds in your bank account to cover your payment, your credit Account will be charged a Late Payment Fee, as disclosed in your HSBC Cardmember Agreement. In addition, your bank may also charge a returned check fee. Your enrollment in the AutoPay program may be cancelled due to returned payment history on your Account. ''
Product: Debt collection

Capital One Credit was paid in full at least 5 years ago. It was my understanding that the account had been closed. Now I am being billed by a debt collector for overdue charges on what? I do n't even have the credit card nor have used it for the past 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2017 I XXXX XXXX went into sales and tried to open an account and upon being told XXXX would have to wait to see if I was approved after running my credit I decided I didn't want the card and was told It would be stopped. in XXXX I looked at the XXXX   account and it says I have an open card fit them in my hard inquiries and this is why I never wanted them to finish my application. I was told it wasn't sent in and it would all be taken care of. I want to dispute this inquiry because I literally said never mind fro this reason. ive never even received a card or a account number so I basically was never told if I would even have the account so I figured the info was never sent in
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are showing a bankruptcy on my credit report which was reported by US Bankruptcy Court. I contacted the court and received a letter that states the do not report to the bureaus. I also have a security freeze on my personal file with  XXXX , a private third party company, to prevent them from giving my information to anyone.     The credit bureaus have refused to remove this from my credit report.
Product: Money transfer, virtual currency, or money service

Dear sir. 
In XX/XX/2018, I made transfer to my son in US through XXXX XXXX in XXXX XXXX. Until this moment the money not arrive to my son. I keep calling my bank and no answer. Please help me. Amount ( XXXX SAR ). Bank swift code ( XXXX XXXX, reference from my bank ( XXXX ), SWIFT no. from my bank (  XXXX ). please please please help me. my bank is not cooperating. my son need the money for school. I keep calling them but no use. I made a complain in XXXX XX/XX/2018 and they gave me a complaint # ( XXXX ). but no use. no body call or tell me what happen to my money I sent to my son. 

My son information is : Beneficiary Nick Name : XXXX XXXX XXXX XXXX XXXX Beneficiary Swift : XXXX Beneficiary Bank Name : WELLS FARGO BANK NA Beneficiary Branch Name : XXXX XXXX Beneficiary Branch Address : ( FOREIGN EXCHANGE SETTLEMENTS ) Beneficiary Branch Country : United States of America Beneficiary Account : XXXX Beneficiary Currency : US Dollar Beneficiary Name : XXXX XXXX XXXX XXXX XXXX Beneficiary Creation Date : XX/XX/2018 Beneficiary Type : International Beneficiary Phone Number : XXXX Beneficiary Status : Active Beneficiary relationship : Relatives / Friends Beneficiary Description : My Son Beneficiary Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX zip XXXX NE my information name : XXXX XXXX XXXX XXXX contact : XXXX e-mail XXXX XXXX
Product: Mortgage

Citimortgage holds this mortgage. My escrow payment this year is {$840.00}. The escrow balance is {$800.00}. The account is terminating at the end of this year and no major payments are due until after it has terminated. The current escrow balance is enough to pay the flood insurance, the only payment due during the remaining life of this mortgage. I want to get the escrow payments removed since there is no need for them and I do n't know how long it will take to get the escrow reimbursed. I talked to someone at Citimortgage and she told me that this should be no problem but later they refused, claiming some rule at XXXX XXXX. I do n't believe this - it must be a trick to keep the use of the money for a few months. I checked the XXXX XXXX website - they do n't normally require the an escrow more than five years. In any case, what possible rationale can there be for collecting escrow payments when nothing is due? I have attached the latest escrow calculation and a document showing that the mortgage ends in XXXX, 2017.
Product: Credit reporting or other personal consumer reports

In 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. 

Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To cfpb, Help me, please. I am truly asking for your help. 
I am asking cfpb to protect my credit report and credit score from the Trans Union company. 
I made few complaints to cfpb about the company because of the company 's damage to my credit score and report. I think Trans Union is retaliating and lowering my credit score furthermore for no reason. 

In just two days and without any activities in my accounts, my score went down from XXXX to XXXX for no reason. 

My score was XXXX before complaining to cfpb about Trans Union and before the damage to my credit score by Trans Union. The main complaint was about a false claim made by Trans Union that I have delinquent and derogatory accounts, and I did not. When Trans Union found that I have no delinquent and derogatory accounts, they lower my score any way for the attached reasons. 

In fact, there is a complaint that I recently submitted to cfpb. 

in the complaint, I submitted all the documents that will make Trans Union claims for lowering my score false. 
I am asking cfpb to protect my credit report and credit score from the Trans Union company.
Product: Credit reporting or other personal consumer reports

It has come to my attention that ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. CODE 1681G - ; there was no disclosure to the consumer ( XXXX XXXX ) XXXX5 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION. 15 U.S. Code 6802 - OBLIGATIONS WITH RESPECT TO. ( B ) THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT SUCH INFORMATION IS INITIALLY DISCLOSED, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1692c - ( a ), ( b ), ( c ), Ownership : I have no knowledge of this account. Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

All XXXX credit bureas are reporting XXXX bankruptcies on my credit report. I never went through with these bankruptcies. They were both dismissed and I do not think it is fair that they are reported on my credit report. I attempted disputing the information several times but the bureas say, nothing has changed from my earlier dispute. I really would like these XXXX items removed from my credit report because they are items that never commenced to any legal proceedings or collection of debt. Please help me have them removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX Account # ( has not listed ) has violated my rights XXXX. XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. section 604 A. section 2. it also states 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 related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX 2013 I received notice of a default judgement against me in court for a credit card debt ( I was never served ). In XXXX 2013 I paid a reduced amount and this was reported paid. A few months ago I began receiving calls and letters on this same account from Midland and requested verification of the debt. The only thing I got back was a letter telling me I had to provide proof it was paid. Since I paid by prepaid card over the phone the only proof I have is the settlement reported paid on my credit report. Four days ago I received a paper from a law office for Midland with a judgement from the court ( also never served ) to garnish my wages for this paid account. Midland is making my life XXXX and I do n't understand how they can resurrect accounts paid years ago and harass and threaten people.
Product: Checking or savings account

I opened PenFed Credit Union Checking and Savings accounts on XX/XX/24 with a {$250.00} new member bonus for receiving {$1500.00} direct deposit. {$500.00} direct deposit posted XX/XX/24 & {$1000.00} direct deposit posted XX/XX/24, but I have not received the {$250.00} bonus yet. I contacted PenFed and they said I did not complete the bonus requirements.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen failed to provide my XXXX for XX/XX/XXXX and XX/XX/XXXX on www.Ocwencustomers.com. The page that should house the documents is blank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts that are showing charged off. These accounts are not mine and are a result of identity theft police report attached. A report was sent XXXX XX/XX/2020 report number from experian it has been a back and forth battle and to no eval it has not been settled. Accounts that need to be deleted off my consumer report are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 -XXXX XXXX XXXX contacted friend -Company said they were a law. They said they've been trying to get in touch with me about a pending lawsuit in XXXX County that's being filed by Friday. They left a phone number, case file number, and extension. 

XX/XX/2018 -I called XXXX XXXX XXXX -They claimed I owed {$680.00} and would accept debit card payment. They sent over a single page contract. 

XX/XX/2018 XXXX XXXX -XXXX XXXX XXXX contacted mother -Company left a voicemail claiming to be a law firm stating that I owed {$680.00} and was going to recieve a {$38.00} fine if I didn't pay by XXXX XXXX that day. 

XX/XX/2018 -I contacted XXXX XXXX XXXX -I requested that they stop contacting others about my debt. They said they would talk with their head attorney. They gave me their address of XXXX XXXX XXXX once asked. They attempted to send a single page contract again that I never signed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to consumer reporting agencies. This action by XXXX XXXX XXXX is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974.

The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. 

As custodians of these records, XXXX XXXX XXXX is bound by FERPA regulations. However, they have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA.

Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. 

XXXX XXXX XXXX ' disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. 

Despite my attempts to rectify this matter directly with XXXX XXXX XXXX, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for XXXX XXXX XXXX ' actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by XXXX XXXX XXXX. Pursuant to 15 USC 1681n, I seek damages of {$1000.00} per violation as a result of their unlawful actions. 

Enclosed with this letter are relevant documents supporting my claim. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called  XXXX  and disputed some inaccuracies on my credit file. These were deleted from my filed and when I called   XXXX   and Equifax they are not wanting to comply. I have inquiries from  XXXX  lenders that I have no knowledge of multiple times in one day.
Product: Debt collection

I am submitting this complaint to an unknown collection agency that continues to contact me at my employment and refuses to give information about this supposed debt I owe them. The contact person that continues to harass me is XXXX XXXX XXXX. XXXX XXXX has also went as far as providing this so called debt information to my co-workers in a harassing manner. This is not only wrong but humiliating. I believe that as a tax payer I have the right to file a complaint. If someone can assist me, I will definitely appreciate it.
Product: Credit reporting

I found XXXX more social security on my name and i just have XXXX i dint have more than XXXX.
Product: Mortgage

I received a letter in the mail on XX/XX/year> from a debt collector for my mortgage company, Watermark Capital Inc., dated XX/XX/year>, stating that they had not received my mortgage payment for {$630.00} due on XX/XX/year>. They asked for immediate payment of {$660.00} which included a late fee of {$31.00}. I immediately contacted XXXX XXXX XXXXXXXX who pays my mortgage payment automatically every month on or before the first day of every month. B of A confirmed that Watermark had cashed the check and the funds were deducted from my account on XX/XX/XXXX. They are in the process of sending me a copy of the cashed check which they said should arrive within XXXX XXXX XXXX 
I immediately printed out documents including the B of A check number and date from their online banking portal and uploaded them to Watermark 's servicing division website on XX/XX/XXXX. I then followed up with a telephone call to Watermark on XX/XX/XXXX. I was told by a supervisor that they needed a copy of the cashed check and it would take XXXX XXXX  to do a payment search. I asked them to expedite the search which seemed like an unreasonably long time to wait for an answer and they refused. I have also been a customer of Watermark Capital for approximately XXXX XXXX and have never made a late payment. I was extremely unhappy that they chose to give this to their debt collector and reported a late payment to a credit agency without giving me ample time to respond.
Product: Student loan

My repayment plan was approved, and my first payment is due today, XX/XX/23. When I attempt to add my bank account details to the Aidvantage online system, the system displays an error message stating that previous transactions were returned from this bank account, and it won't allow me to enter my bank account details. However, there have been no previous transactions at all between the loan servicer and my bank, and certainly none that were returned. The loan servicer is new to me, and we have no history at all. 
The error message prompts me to request that my bank send a letter to the Aidvantage fraud department to resolve the issue. This bank account is my only account and the only way I can make payments. The loan servicer will not allow me to enter my partner 's bank details, nor pay with another card. Therefore, interest is accruing, the payment is now late, and I have no recourse. I have contacted the loan service twice without response.