23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan # XXXX was transferred to Rushmore Loan Management Service XX/XX/XXXX. During this transition, my ACH payment that I had set up with my previous servicer was cancelled. On XX/XX/XXXX I was contacted and was made aware of this. I made two payments over the phone to bring the account current and gave the representative my account information to set up the ACH drafts again to be effective for the XX/XX/XXXX payment. In XX/XX/XXXX I received another call saying my mortgage payment was 30 days past due. They said the ACH for XX/XX/XXXX payment was set up incorrectly and did not go through. They advised me to go online and set it up in which I did. I brought the account current and set up the ACH draft. On XX/XX/XXXX, I called Rushmore to see about receiving a curtesy removal of the late mark on my credit as it was not my error. The representative assured me that this would done. In speaking to Rushmore today, XX/XX/XXXX, I was told that the request was denied but that representative only noted that the borr requested it to be removed, no notes in regard to what had actually occurred. This late mark was solely in error on Rushmore 's part.
Product: Debt collection

I was sued by a creditor other than the original without properly notifying me of the lawsuit. The debt collector, Vion Holdings LLC, knowingly filed the lawsuit in a court that was outside the County where I live. After obtaining a judgment they were able to collect exempt funds ; levied my bank account for an amount that exceeded the original debt that had been timely disputed. They sent correspondence to me at my correct home address which enabled me to dispute the debt.The funds were seized while I was out-of-state to enroll my daughter at the University XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX someone opened a credit card in my name without my consent and also been applying for credit in my name without my consent heres a list of 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 I would like this info removed off my credit report I am I victim of identity theft and I have reported this problem with all 3 credit bureaus and also my phone and wallet was stolen thats how someone obtained my information and used it without my permission!
Product: Debt collection

I just recently reviewed my credit report and it generated this debt collector as someone that I owed money to. I have never done business with or signed a contract with this company. I found that several aspects of the report are actually inaccurate.According to the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to request that this company disclose all of the documents that they have retained in my credit file pertaining to the items listed below that they have under my social security number. Please do not allow them respond by saying that these accounts have been verified without sending me the information used to verify the accounts. This information is inaccurate and need to be investigated. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. Please provide me with the below mention listed things : The amount I.C. Systems claim I owe Explain and show me how they have computed the amount Send me copies of any documents that prove I agreed to pay the alleged amount Identify the original creditor Confirm that the account has not crossed the SOL period Prove that youre a licensed debt collector Show me your license number and registered agent Show that you are allowed to collect within my state Once again, this by law this creditor must have ALL verification documents already in their possession upon receipt of this letter, otherwise these in absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you under my Social Security number. I would like to inform you that in case your agency reported invalidated account information to any of the 3 main Credit Bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.
Product: Student loan

I have applied for Public Service Loan Forgiveness with the company Fedloan Servicing. I received a letter from them in XXXX confirming they had received my application and would review it. The letter provided an account number, URL, and a telephone number for getting updates. I tried using their web portal to access information, but could not log in. I have tried calling the company for an update about the application at least half a dozen times. Each time, save for one, Ive waited on hold for half an hour. Only once did I manage to get a person on the linein that instance, she said she couldnt find my account number, transferred me, and then I waited for 40 minutes before giving up. 

I need to know if I will have to restart payment on these loans in the new year. Ive been a dedicated federal employee for over 10 years and am deeply frustrated with how inept this company has proved.
Product: Debt collection

Credit Systems of the Fox Valley has been calling my cellphone and my work phone simultaneously for the last 15 minutes over and over again. I have no idea how they got my work number. They 're not allowed to have this number. 

They do n't leave a message either. It 's distracting me from my job and upsetting me.
Product: Debt collection

I received a post-judgment discovery from the debt collector today XX/XX/2023, at XXXX XXXX. I was waiting for the court date for the Bench Trial Request received XX/XX/2023, to go before the judge. I am age XXXX and only living off a monthly Social Security check and I have nothing, I do not own anything thing, I do not own a vehicle, and I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was never served a citation by the process server, and a hearing was held on XX/XX/2023, with the process server to provide me with the fraudulent signature of perjury XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd complete a report for my attorney. I am calling the Judicial Branch Certification Commission for the results. Either way, the police shall be called to complete the report. Why is XXXX Johnson Mark LLC continuing to try and acquire my assets when I have none? I am barely alive and barely living? They should know by now that I was never served a citation. It is against the law to try and garnish, secure a levy, etc. with people at age XXXX living solely on Social Security and owning nothing of value for anyone to acquire from me. For the first time, in my life, I am glad to be broke, busted, and disgusted. When will they stop bothering me?
Product: Credit reporting or other personal consumer reports

Inconsistent late payment entries were found on my report. Kindly resolve these mistakes
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$330.00} XXXX  XXXX Balance : {$740.00} 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

Disputed 3 times to inform them they are in violation of Hero 's Act. 
Report number- XXXX XXXX XXXX XXXX Report number- XXXX XXXX XXXX XXXX Report number- XXXX XXXX XXXX XXXX For late payment dates : XXXX XXXX XXXX XXXX XXXX 


In violation of The Heroes Act ( Section XXXX ) which states : The COVID-19 pandemic has caused extensive and growing impacts not only on the public health and well-being of millions of Americans, but also significant economic harm as well. 
Through no fault of their own, millions of Americans are unable to make payments on credit cards, car loans, or even their mortgage or rent. 
Under CARES, consumers have to rely on the willingness of creditors and servicers to agree to forbearance or other payment arrangements in order to be protected by the new law. 
The Heroes Act replaces the CARES Act provision with much stronger consumer protections. The Heroes Act ( Section XXXX ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. 
Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical procedures or treatments. Consumers impacted by the staggering costs of medical care should not face diminished credit options due to getting sick in a global pandemic. 
XXXX XXXX XXXX The Heroes Act ensures that these innocent consumers are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to get affordable credit or even a job.
Product: Money transfer, virtual currency, or money service

Zelle, claims to be free of fees while transferring but still charges a small percentage ive come to find.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert I got new credit inquiry from Sheffield Financial on XX/XX/2021. I have no knowledge of this request. Can you please remove it?
Product: Credit card or prepaid card

The BJs Mastercard Commenity website and phone lines have been down for over a week. The monthly automated payment did not deduct from my checking account. I can not see my balance and there is no one answering phones on several occasions this week ( there is even no option to reach them if you want to repost your card lost ). There is no way to see transactions to ensure no unauthorized transactions have been made. No time estimate is given to this supposed system maintenance and no guarantee fees will not be assessed even though there was an attempt at a payment.
Product: Mortgage

XXXX XXXX with Southwest funding was absolutely horrible. I lost out on a deal for my future home twice due to his negligence. He was ill prepared and just unconcerned for anyones livelihood other than himselves. I voiced my frustrations with his lack of communication on multiple occasions and it didnt seem to phase him. I hope he will not have the opportunity to ruin anyone elses future endeavors every again.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

XX/XX/2021 there was an unrecognized charge on PayPal synchrony credit. Immediately I called as this was fraud. I also called the company. I also reported identity theft to the police at a report was made case number given over the past 18 months PayPal credit has been telling me this has been resolved that Ill get a bill the next month where its not resolved, and Ive been charged interest. I get calls constantly about this and then they tell me that it has been resolved that I get another bill for 18 months. This is been going on and it caused me severe stress as well as hours and hours on the phone. PayPal credit are harassing me. Severely where Ive had to seek help please make them stop. It is clear I did not make the charge its resolved, and then the same thing comes up again and again.

When I was billed for the interest that accrued on this fraudulent charge, I made sure that it wasnt just showing this because it was under investigation. Every PayPal credit agent states that this has been resolved, Synchrony, some agents state that yes, it was resolve some say no. They are driving me crazy to tears. Ive had to seek counseling over this. And when youre asking about someone spouse there is not an option there to say that you are now widowed. But I do know this that no company should be allowed to do this to a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 120 days past due on the SECURITY partial account numbers XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 14 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent
Product: Bank account or service

I was charged a late fee of {$39.00} because the payment was received 1 day late. Synchrony bank send my bill 7 days before it was due and it was paid immediately by bill pay from my bank. When I called the customer service # I was told that is the fee and that they do n't even have to send a bill by law for my loan and I should know to just pay it. The rep was nasty, argumentative and dismissive. I have never had a experience like that with a bank in my life. When I asked to speak to a supervisor I was told none was available. This is the worse bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent Experian letters about two different accounts on my credit report. Requesting to verification of proof that I established. They never produced any original signed documents on XXXX nor XXXX XXXX These are unverified accounts. I do not own nether of the accounts
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 







Also the document upload on the portal is not working and it will not let me upload the supporting documents that I have. I have the fraud report that that i filed, my drivers license and my social security card to verify my identity. please email me with a link to a upload portal so that i can attach/upload the supporting documents that i have for this complaint. Thankyou.
Product: Credit reporting or other personal consumer reports

I bought a computer on a XXXX XXXX credit card back in 2020 and paid it off in a few months. About twice a year I would have unknown charges. I would dispute them, but pay them anyone and ask that the card be closed and I was told it was closed. This happened several times ( including this time ). The last time ( prior to today ) that I paid an unknown amount- I was led to believe it was the total amount due on the card. I was told the account would be closed. In XXXX I received another bill ( this time for {$100.00}. I spend several hours on the phone trying to dispute this and asked them again to close the card. It was not done and they reported the failure to pay to the credit bureau which dropped my score fro XXXX to XXXX. I attempted to remedy this situation by talking to XXXX different people. Every time I got transferred to the people who could supposedly help their audio did not work 100 % of the time. I finally paid the total amount due. When I got my credit report -- it showed that they dropped my credit limit but that the account was still open despite instructing them to close it multiple times. I wold like to dispute this on my credit report.
Product: Credit reporting or other personal consumer reports

Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( ( XX/XX/XXXX ) has 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 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.