23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a notice of a past due mortgage payment for my home loan on XX/XX/2018. To be clear, I ALWAYS pay my mortgage early, and was very concerned about this notice. At that time I went online to view my account and noticed a posting error made by Mr. Cooper going back to XX/XX/2018, which applied my entire payment as an additional principal payment. I contacted their office and spoke to a CSR who indicated that this would be resolved, AND my late charges would be removed. This correspondence took place on XX/XX/XXXX, and still nothing has been fixed. I am now seeing that my XX/XX/XXXX payment is past due, and I was assessed yet another late fee!!! The Credit Case Number is XXXX. 

Additionally, I have called the XXXX number on Thursday the XX/XX/XXXX, told the office is closed and would be open on Saturday, Called Saturday, told the office is closed and will be open on Monday. Called Monday, told the office is closed and will be open on Tuesday. 

I am disgusted with the level of service this company provides. I have now been assessed over {$240.00} in late fees, company will not call me back. Office seems to be closed all the time. I am VERY concerned about my credit being impacted and the late fees assessed.
Product: Checking or savings account

On XXXX XXXX 2018 XXXX XXXX d.b.a. Ally Bank decided to close my account ending in XXXX without specifying a reason and deposit the {$0.00} in my checking account ending in XXXX. XXXX the floor supervisor stated that my checking account ending in XXXX was also in Jeopardy. The bank is relying on the catchall clause regarding its right to deny service for any reason. I have been an account holder for 10 years. My XXXX check goes to them. They stated that I had no right of appeal and offered to forward the XXXX check. The current checking account balance is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove these 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.
Product: Mortgage

After XXXX XXXX provided me information that XXXX  XXXX XXXX XXXX XXXX XXXX XXXX an advance of {$57000.00} give or take, I found out this was fraudulent. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX stating we were behind on our dues to that amount and they paid it. However, we were never in arrears to the XXXX XXXX and have proof of this by cancelled checks. As such, the demand for payment is not valid and the bank should be going after XXXXXXXX XXXX  XXXX for the amount. Further, since we have been paying interest on it, the amount is now XXXX XXXX, which should immediately be credited to our mortgage. I'm this close to getting an attorney, as we have proof this was all paid and then the bank paid it again and charged US!!!!
Product: Debt collection

I received a call from Arnold Harris office stating that I owed a debt to Kansas, however, I haven't received anything from Kansas with the bill. The tax preparer just filed my XXXX taxes on XX/XX/XXXX. I originally filed them in the fall of XXXX, but the CPA switched software putting it unto this year, so said that to say there is no way I could be sent to collections before taxes are done, to know what was owed and or the fact that absolutely no bill has been received, so how can a company send you to collections without even making you aware of the business matter. I don't have proof of what you are claiming because I haven't received anything. When the rep called I told her I wasn't aware, and she said she didn't get the notice that went to " XXXX XXXX XXXX XXXX I stated no and that, that wasn't my correct address. I had also told her to send me something in writing because I didn't know what she was talking about. I also received a letter in the mail dated XXXX, again, if XXXX taxes were just filed on XX/XX/XXXX. How from XXXX to XX/XX/XXXX, I am receiving a " Collection Notice '' which means the previous creditor would have had to contact me but they did not. The notice states that " I have ignored demands '' but I have never received anything prior to this call early last week and this letter this week, that i mentioned above.
Product: Credit reporting, credit repair services, 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 USC 1681. I told Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate, but how can that be possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 15 USC 1681 section 602 states that I have a right to privacy. 15 U.S.C. 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 a 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 USC 1681 s-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. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX partial # XXXX, and XXXX XXXX XXXX/XXXX   XXXX  showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma sends me offers saying I'm pre-approved for credit cards and when I sign up for them, I'm denied... 
The offers come frequently and I think it's lowering my score
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification stating my balances has decreased but new collections added. I know that I should not have any new collections so I viewed my Equifax report and noticed that accounts that were dele ted 2  to 3 years ago has reappeared on my credit report. According to the law I suppose to be notified within 5 days of a collection item being placed back on my credit report. I was not and the following accounts were added without prior notification which is agent FCRA. I spoke to  XXXX  at equifax and he refused to help me and I advised him that according to the law that I am sure he is aware of that I suppose to be notified in writing. The following accounts were added without notice and I need them to be removed IMMEDIATELY. I also spoke to  XXXX  which stated she was a supervisor.Spoke with the supervisor and she was not willing to help in anyway and basically told me I was lying about the accounts being removed. She grilled me as to how I received the information and I explained to her I had the information in my files and she stated that they dont have it so how do i.    1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readded back and was removed  XXXX   XXXX ,  XXXX  2.  XXXX   XXXX   XXXX    XXXX  was readded back and was deleted   XXXX   XXXX     3  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readed back and was deleted  XXXX   XXXX ,  XXXX  4.  XXXX   XXXX   XXXX    XXXX   XXXX  was readded back and was deleted  XXXX   XXXX ,  XXXX   5.   XXXX   XXXX     XXXX   XXXX  was readded back and was deleted  XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readded and was deleted  XXXX   XXXX ,  XXXX
Product: Debt collection

I had 2 separate accounts show up on my credit report owned by National Service Bureau. One for {$110.00} and one for {$1100.00}. 

I disupted them with XXXX and XXXX  as they were not my debt and I did not recognize them. XXXX  removed it immediately but XXXX has ruled twice that it is my debt. 

I called the original creditor and collection agency and found out someone used my identity to receive healthcare in Utah on XX/XX/2019 and they think it was me. 

I live in Minnesota and have for well over a decade. I have not been to Utah in years and it was not me. I have informed XXXX  XXXX XXXX  XXXX, Nation Service Bureau and XXXX.

They can not have any proof that it was me yet XXXX  has ruled twice that it is my debt and im feeling like there is nothing I can do. I have asked the XXXX  XXXX XXXX  XXXX to dispute it in their system but it would be easiest for XXXX  to remove this since they cant have any proof that it is my debt.
Product: Credit reporting, credit repair services, 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 XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX, XXXX & XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX  XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXXXXXX XXXX acct # XXXX these accounts has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 or other personal consumer reports

I checked my credit report and I can still see the Fraudulent accounts that I was requesting to get deleted. These items are damaging my credit and affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft Report Fraudulent Inquiries Dear EQUIFAX, I am writing to formally dispute several inquiries on my credit report that I believe are fraudulent and the result of identity theft. I have not authorized these inquiries and would like them removed from my credit report. 
List of Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Equifax I have enclosed copies of my identification and a FTC report that confirms the identity theft. I request that you investigate these inquiries and remove any that you confirm are fraudulent. 
Please confirm receipt of this letter and provide me with updates on the status of my dispute. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 After a consultation an being DENIED opening a busines checking account while being a personal account holder, I was forwarded to speak with solicitors concerning a debt. As a Natural Man, I reserved my unalienable rights and gave no authorization to make any payments as the account was closed and the agent became hostile. I noticed the next day that {$2600.00} was stolen out of my account, without authorization, without notice. 

I called to seek remedy and to make them aware that this action caused me harm, i was told that nothing would be done and after requesting a Supervisor, the agent let off petty retorts before sending me to voicemail. I am a XXXX Veteran and this organization has been causing me enough harm with their persistent automated calls and unprofessional phone calls after i specifically stated I did not want to receive calls and only consent to emails and letters through the USPS earlier this year. XXXX XXXX
Product: Debt collection

This a credit card debt for XXXX XXXX. I have provided police reports explaining I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF MY XX/XX/2022 COMPLAINT, I got a notification about my credit report. 

INCOMPLETE ACCOUNT NUMBER FOR IC SYSTEM- XXXX INCOMPLETE ACCOUNT NUMBER FOR XXXX XXXX XXXX- XXXX In the documents uploaded below you will see XX/XX/2022 updated credit report. One from XXXX XXXX and the other from XXXX. I have still not heard from either company. However XXXX sent me an email stating that the company has verified the accounts with them and they are accurate. In my letter to XXXX I requested to be notified by mail as I had done for them, not to be replied to on a service website. 
1. There are still dates that are conflicting.

2. They have not given ME verification 3. They have not provided me the procedure in which they have investigated it and who did the investigating.

At this point, I have been denied jobs, I had to have my credit report run just so that I can be my fathers over-seer ( POA ) for the VA. They have given a certain amount of time to get this situation rectified or they may dismiss me to look over him. This is very troubling because I know for a fact I NEVER SIGNED OR EVEN UNDERSTAND THESE ACCOUNTS. They are not complying with the federal laws that I stated in the last complaint. This is troubling due to the fact my father served 24 years in the military and Im the only one that is taking care of him and I am facing loosing my responsibility that was given to me because of these two companies. I have attempted to apply for two things of which of course I was denied, in hopes to build my credit. I am desperately pleading for your help, as I attempt to just maintain my life and well being of my father. 


In detail : as of XX/XX/2022 IC System still reporting : ( XXXX and XXXX ) - XXXX XXXX -incomplete account number -DATE OPENED is conflicting -LAST REPORTED DATE is conflicting -DATE LAST ACTIVE is conflicting *Conflicting information between the two credit monitoring companies reported XXXX XXXX XXXX reporting : XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX  Incomplete account number DATE OPENED is conflicting LAST REPORTED is conflicting DATE LAST ACTIVE is conflicting XXXX - ( report from XXXX ) -Status Date conflicting -Account Type - Open Account -Balance Updated Date conflicting -Payment status conflicting XXXX - ( report from XXXX ) -Balance Updated Date not reported -Status Date conflicting and not a complete date -Payment Status conflicting XXXX ( report from XXXX ) -Status Date conflicting -Balance Updated Date conflicting -Terms reported not valid -Payment Status conflicting *The address for XXXX XXXX XXXX  was not the correct one when I went to send my certified mail. I realized that at the bottom where the address for the company is, one address was different then the other ( the one I wrote was wrong ), and one of the posted company names is spelled with a " S '' on the end and with a different address. How can trust this company to validate my information when their Information is not consistent for their own company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Military Star has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Specialized Loan Servicing has been servicing my mortgage and I have auto payments set up monthly. In XX/XX/XXXX, I made an electronic payment of {$12000.00} to be applied as an advanced repayment of principal. SLS failed to apply that properly. They applied XXXX toward my XXXX amount due, even though that had already been scheduled. 

I called in XXXX and they told me the correction would be made. It has not been made. 

Meanwhile, I received a note that they are transferring servicing to XXXX. I called today, XX/XX/XXXX and spoke with XXXX, teller ID XXXX. She noted that the correction had not been made and they had no record of my request. She put in a new request under ticket # XXXX. 

Before speaking to XXXX today, I also spoke with XXXX to verify whether my auto payment scheduled for XX/XX/XXXX would be transferred over to XXXX. She said it would not be, which was the opposite of what was stated in the " notice of service transfer ''. I escalated the question and XXXX informed me XXXX was wrong. 

My experience with SLS is that their agents give incorrect information and do not apply payments as they are legally required to do.
Product: Payday loan, title loan, or personal loan

On Friday XX/XX/2022 I attempted to change my email address with Klarna, they advised it would take two business days. 

I received a push notification on XX/XX/2022 around XXXX AM that I had a message on the Klarna app. I went to see what the notification was and it logged me out. I assumed it was due to the email change, I received no notification either way. I attempted to log in with both my new and old email, both options didn't work, so I called Klarna customer service. I explained what got me to them, that when it asked for a phone number to verify, their system gave me an error. Customer service was confused why I received the error, was not confident in how to fix it. Ultimately I was advised the email change may take an additional 24 hours to wait before trying to log in again. 

On XX/XX/2022 I called as my attempt to log-in continued to be unsuccessful. I received an error message just as before when the verify phone number screen was presented. The customer servicer representative XXXX told me that she wasn't sure why the error message was presented to me. She advised there was several things we could try. 

I am paying nearly 30 % interest, with automatic payments being debited from my card. I should be able to change my email address without having to jump through hoops, and if I do, I am able to do so with confidence. Klarna had XXXX confidence in helping me get me on my way. One solution was to text Start to a short code XXXX. That didn't work. Waiting as I was instructed for 24 hours didn't work. Another path too fix my issue was verifying my identity with a third party app with taking a photo of my passport and drivers license. No disclosures were provided from the third party app or how my information was going to be handled was provided. This certainly wasn't the process in signing up through XXXX when my relationship with Klarna began. 

When I asked to speak to a manager in hopes I could get the issue resolved with confidence, I was told none were available. I don't receive a normal statement in the mail, email etc. They certainly weren't wanting to help with discussing when I have a payment automatically drafted while waiting to get back into my account. If I am unable to pay on my account, & access my account to make decisions, or be advised with confidence, then this company shouldn't be in business.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reportingact XXXX  account # XXXX XXXX XXXX has violated my rights 15 U.S.C1681section 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
Product: Debt collection

I have been sending letters to Capital One since I found out about the opened credit line with them. I did NOT authorize this credit line to be opened. My identification was stolen along with my social security card. I dont live on the address from those statements. Additionally, my name is XXXX XXXX XXXX NOT XXXX XXXX. Nevertheless, I recommend that you remove the fraudulent account from my credit reports. Lastly, Capital One broke the contract by selling the debt to a third party ; therefore account is not valid and not contract was made with XXXX XXXX.
Product: Credit card or prepaid card

I emailed capital one on XX/XX/2019 asking if I could merge to cards because I saw the option was no longer on your website and capital one was not giving me a credit limit increase. I didnt get a response from the executive office until almost a month later saying that option is temporarily removed. OK, that was fine. I have other credit cards I can use. 

While I am going back and forth with XXXX from the executive office, another issue on my capital one savor card arises. I am charged a CASH ADVANCE fee for a purchase I made. The problem is that months prior to this, I disabled the cash advance option to {$0.00}. Capital one assured me that no cash advances could be charged to the account. I called and spoke with an account supervisor named XXXX who said she doesnt know why I was charged that but couldnt refund me even though it was capital ones fault. OK so I call XXXX again and she says she has to do research. Its now been close to 3 weeks and still no resolution and my bill is coming up with {$63.00} of interest I have to pay because of an error on capital ones part. Ive never had this issue with any other card issuer and it seems like a way to scam customers into paying fees.