23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 


XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022
Product: Checking or savings account

Account with synovous opened under my name. It was not me.
Product: Debt collection

opened XX/XX/2023 amount is XXXX Im Unaware of this debt I did not have the opportunity to dispute this information if and fact you believe you gave me proper notification then please send me the certified receipt with my signature on it.
Product: Mortgage

First, I would like to make a complaint against Chase mortgage, My wife of 21 years just passed away XX/XX/XXXX. The mortgage was in her name only this was because XX/XX/XXXX, XXXX. XX/XX/XXXX XXXX. Was unable to work for most the that year. then passed away. I have tried three time to make and assumption of said loan and Chase has denied said assumption, Stating XXXX derogatory records? XXXX length of time since acct delinquent? XXXX delinquent accounts, XXXX length of time accts have been established? but yet I have a XXXX credit score.. I thing this is discrimination of the first kind..
Product: Mortgage

I began the mortgage process with Bank of America in XXXX 2016. I had been given a closing date for my house 3 separate times. The last two times I was told of a closing date, I did n't find out until the day before, and one even the day off. I was assured over and over that I would be closing. The bank lied to myself and my realtors about information they sent out to previous apartments I had lived in, saying they never heard back from them and that 's what the hold up was. I called both my old apartments, and they both said they did n't receive anything from the bank until 2 days before I was set to close, when the bank told me they had sent it out weeks before. They said that was the only thing holding the closing up, and yet days later I receive an electronic message saying they needed more information/paperwork from me. Every week they tell me they are all set with things they need, yet I keep receiving something new they need from me. Because of the bank and their horrible lying/slow process, I did not close on my home before XXXX XXXX, so now I will have to pay 30 percent more in my taxes. I call/email my mortgage person and his boss, and do not receive a response, they ignore me. Also I went with a program that requires only 3 percent down at closing, yet my closing costs are skyrocketing each time I get paperwork from them, and we are now far over 3 percent.
Product: Mortgage

My file size is to big to send everything attached within this web-mail? 

Can someone please reach out to me to arraign sending the attachments?
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX ) of any sort. 

In regards to The company ( XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Mortgage

Completed a chapter XXXX bankruptcy in XXXX. have sent in XXXX payments since and requested a statement every month. No statements or correspondence. No year end XXXX interest statements either. I am concerned that this lender is doing this deliberately. Previous to this situation this lender took over for the original lender that closed.I am also concerned the balance owed is not right.
Product: Payday loan, title loan, or personal loan

I have a student loan that is being serviced by Heartland ECSI. Due to the expiration of the XXXX related loan pause I was informed that by ECSI that they would begin to bill/auto-debit for my loan in the coming months. Interested to both see and potentially take action on my loan, I attempted to login to my ECSI account and was told via their automated system that as it had been 120 days since I last logged in, I would need to reset my password. However, when I attempted to do so the system was unable to locate my account, despite being provided with my correct username, last name, and DOB ( as requested ). Furthermore, when attempting to contact ESCI I was unable to get to a customer service representative despite repeated calls with hours-long wait times.
Product: Checking or savings account

Our Marcus Bank by Goldman Sachs 12-month CD for {$210000.00} matured on XX/XX/XXXX. The CD closure instructions dictated funds were to be transferred to our Marcus Bank savings account. To-date, XX/XX/XXXX, the funds remain in the closed CD and unavailable to us. Multiple phone requests for transfer of monies to our savings without result.
Product: Debt collection

I settled the debt with XXXX in an authorized XXXX store in the city of XXXX XXXX Mi, XXXX back in XX/XX/2019.  The XXXX representative told me that they would contact Convergent and it would be removed from my credit report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THAT EXPERIAN IS REPORTING ANOTHER PERSONS CHID SUPPORT ON MY CREDIT. 

STATE OF MICHIGAN CHILD SUPPORT - DATE XX/XX/2019 - AMOUNT {$830.00} -
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. 

Account Name & Number XXXX XXXX XXXX XXXX US DEPT OF EDXXXX 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 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 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

Discover has not provided the minimum requirements in regards to payment of the card and therefore I paid them in the amount due in one sum. They use a standard email for all correspondence to the CFPB which is used to delay and defer and to purposefully harm consumers. I'm XXXX and was ill during the time due to XXXX and yet they say they need to look into it. Please find the proof that the payment was made in full and cashed. This needs to be done immediately. Please note the checks cashed is proof and not a duplicate. Discover should have it as I sent it to them.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

AXXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX late payment from 5 years ago listed on my closed Capital One credit card that is being reported to all 3 credit bureaus. That card had a perfect payment history with the exception of this XXXX derogatory remark on XX/XX/2016. I contacted Capital One to get more information regarding this late payment. They stated that they did not have any information on record and were extremely rude and short with me stating there is nothing they can provide or explain to me regarding this account information. Even after escalating this issue to supervisors, I was told the same response. I am extremely disappointed in Capital One 's handling of this issue and regarding this late payment reported to my credit history.
Product: Vehicle loan or lease

I never received full disclosure from Ally Financial prior to taking my vehicle. I attempted to contact them to find out if they closed my account and reported false information to consumer reporting agencies. They provided an address where they were unable to be reached. I was never fully informed as my questions were not answered. As of right now they are still making inquiries and reporting an account that was created with Truth In Lending Act violations 15 USC 1611. They received over {$10000.00}. in the form of down payment to dealership and monthly payments received via ACH under false pretense.
Product: Student loan

I have been trying to get on a program for nearly a year now that I can afford. I first started with my original service who denied the applications after many months of multiple attempts and then told me to consolidate and my loan via fedloan servicing and get on XXXX. 
My loan was consolidated on XX/XX/XXXX and I was told that my XXXX would be done around XX/XX/XXXX or XX/XX/XXXX and that it looked good. I kept calling and getting the status with them saying it looked good and once asked for me to send them my paystub, which I did. 
My loan just came up for repayment which says it is XXXX per month! It is on a XXXX year loan. My loan was half of this but with the compounding interest the loan is now nearly double what it used to be. 
I called today to tell them I really need them to finalize the XXXX as the loan is just compounding interest and the standard loan is just getting higher and higher and now it is nearly a third of my take home. 

They told me I need to submit another application!!!!!! Once again for the XXXX time. I have no idea why this is. They have been telling me it was ok the whole time and that everything looked good. It is becoming impossible to get on this loan program. 
This is criminal and predatory practice to keep me in application status for nearly a year between XXXX and now Fedloan Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX Balance : {$760.00} EDFED XXXX XXXX Balance : {$410.00} XXXXXXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my XXXX report, it said that there was some problem at this time that prevented delivery. When I tried to get my Equifax report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my XXXX report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is obvious that my Identity is combined with someone else 's information in my written statement. Equifax has refused to correct the incorrect reported information activity in my Equifax credit report in over a year. Despite my many requests regarding several credit reporting errors in my Equifax Credit report and Credit score. ( Please see my detailed attachment statement ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from TransUnion contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nature of Complaint : Incorrect Mortgage Payment Calculation, Coercion, and Bad Faith Acts Statement of Facts : Shellpoint Mortgage Servicing has incorrectly calculated my monthly mortgage payment starting XX/XX/XXXX. 
In early XX/XX/XXXX I provided Shellpoint Mortgage Servicing with written notice of this discrepancy. 
Acknowledgment of Receipt : In a letter dated XX/XX/XXXX, Shellpoint Mortgage Servicing acknowledged receipt of my written notice regarding the incorrect payment calculation. 
Lack of Resolution : As of XX/XX/XXXX, I had not received any communication from Shellpoint Mortgage Servicing regarding the resolution of this issue. 
Coercion and Bad Faith Acts : On XX/XX/XXXX, I contacted Shellpoint Mortgage Servicing to inquire about the status of my payment correction. I was informed that the incorrect payment amount remained in effect. 
Threat of Adverse Consequences : Shellpoint Mortgage Servicing threatened to assess late fees and report the payment as late if I did not pay the significantly higher, incorrect amount. This constitutes coercion and appears to be an act of bad faith.
Product: Debt collection

Specialized Loan Servicing ( SLS ) Address : XXXX XXXX XXXX XXXX, CO XXXX Customer Care Number : XXXX SLS filed a 1099-C on a second mortgage that was legally prohibited at time of short sell in XXXX. 
When this sale occurred we fell under the Mortgage Forgiveness Debt Relief Act of XXXX which has been extended through XXXX. This was our primary residence and we had lived in the home over 2 years. At the time of sell the second mortgage was held by XXXX XXXXXXXX XXXX  Once the home sold we did not get a discharge of debt as the debt collector ( At the time XXXX XXXX XXXX ) was prohibited under the Mortgage Forgiveness Debt Relief Act. ( XXXX XXXX XXXX  ) In XXXX of XXXX we received notice of sale of the debt to SLS and they wanted to establish repayment. We sent a validation letter and explained that this was over 10 years ago and at the time of sale the Mortgage Forgiveness Debt Relief Act was in effect. The next thing we heard back was this 1099-C that we received in XX/XX/XXXX. XXXX states that they discharged XX/XX/XXXX. We are seeking to have the 1099-C withdrawn from the IRS filing XXXX We are also filing a 3949-A with the IRS regarding SPS fraudulent deduction and requesting IRS take legal action to the extent of the law. We are attaching the Warranty Deed on the sale of the home and the fraudulent 1099-C.
Product: Debt collection

ProCollect began contacting my partner and I via calls to my partner 's phone number in XX/XX/XXXX about a debt they claim I owe to our previous apartment complex, XXXX XXXX XXXX, that we moved out of in XX/XX/XXXX. I spoke to someone at ProCollect on the morning of XX/XX/XXXX, stated that we do not owe the debt, and received information on how I could email them with my documentation. The email was submitted later in the evening on the XXXX. I received no response to the initial email or the follow up I sent on the XXXX requesting confirmation that the documentation had been received. I called and requested confirmation over the phone as well on the XXXX and they said it had been received and would be reviewed by XXXX XXXX XXXX but this could take several days. I spoke to ProCollect again on XX/XX/XXXX and was informed a decision still had not been made. I had requested them to no longer call my phone number or my partner 's phone number and they stated I would receive letters instead. I have received no letters. Since no updates were provided in writing, I assumed the matter had been resolved until I found out on XX/XX/XXXX that the fraudulent collections debt has now been added to mine and my partner 's credit reports. I have submitted disputes with the credit agencies. 

We already paid {$1600.00} in XX/XX/XXXX for the rent and fees due for that month. We do not owe the amount of {$1100.00} to XXXX XXXX XXXX. We have paid all amounts due and are in fact owed, at minimum, {$250.00} as the remainder of our security deposit. They have tried to double bill us for the rent and fees for XX/XX/XXXX and did not acknowledge our attempts to point this out via email in XX/XX/XXXX. We will not be making any further payments to XXXX XXXX XXXX or ProCollect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a late payment in XXXX, 2019 on the XXXX/XXXX   XXXX account. I never received a statement in the mail so I paid over what I thought was the outstanding balance. Unfortunately, the interest carried over and I was short on the monthly payment by a fraction. I wasnt aware of a late payment until I looked at my most recent credit report and saw there was a late charge. I immediately paid the amount required. However, due to not receiving my statement and not being properly notified of the late payment, I respectfully request that this late payment be removed from my credit report. This incorrect reporting is harming my credit score.
Product: Student loan

My daughter was accepted to XXXX and I had to take out a Parent Plus Loan of about $ XXXX and may be co-signer for more. I did not expect to be approved as I had filed bankruptcy late 2011, but I did get approval and now it is difficult to repay the loan. I and my wife are XXXX years old and we have an XXXX adult child to care for. My child who graduated from XXXX also has even more student loan debt and not employed.
Product: Credit card or prepaid card

Someone has opened/obtained a credit card under my name. The account was opened on XX/XX/2022 with SYNCB/PPC with a {$3000.00} credit limit. There is a charge of {$2900.00} on the card. The banks address is : XXXX XXXX XXXX XXXX FL XXXX, ph # XXXX. 

I did NOT open this account. I have never received anything in the mail as far as a statement or any other information from the bank that issued the card. I want this this account shut down and removed from my credit report. 

I had a great credit score prior to this incident. 

Your assistance in this matter is greatly appreciated.
Product: Money transfer, virtual currency, or money service

I have XXXX and cash app. Many times I have had money deducted from my account with no explanation, no authorization no email or text. When questioned XXXX blames cash app, cash app blames XXXX. I have changed my account numbers and cards atleast 5 times in the last year or so. I never got my money refunded and I have to leave money in my savings so its safe.
Product: Credit reporting or other personal consumer reports

GM financial is a joke! They are not understanding, they don't care about whats going on in the world and the financial burdens people are dealing with because of inflation. I had a month i could not be on time and they refuse to fix the problem and take it off my credit! I will continue to report them until it is solved. People do have hard times occasionally and if they were a single person living in today 's world they would understand but they are GREEDY, XXXX XXXX who could careless and I wouldn't recommend ANYBODY to GM FINANCIAL they are hard to deal with and they tear your credit UP!!!! The CEO is the biggest joke on the planet.
Product: Credit card or prepaid card

During the closing of escrow on my house, a payment of {$720.00} was sent to Shell Mastercard by XXXX XXXX XXXX XXXX XXXX. The check was sent on XX/XX/XXXX and documents show that it cleared on XX/XX/XXXX. The payment never posted to my account. 

I called XXXX on XX/XX/XXXX and spoke to a representative who told me I needed to file a case for a lost payment. I gave this person all of the information : check number, account number, routing number, date cleared, institution information, etc. They told me the case was filed and that I would get results within 30 days. 

I called XXXX on XX/XX/XXXX to follow up on this dispute. The representative told me that the first dispute I filed " failed '' and that the only way she can help me is just to file a case with her. I asked her why the first case " failed '' and why no one alerted me. She continued to repeat that the only way she could help was to file a case with her. I asked her how I would know that the case was actually being investigated given the fact that I was under the impression the investigation had been taking place over the course of over 30 days. I asked for her to escalate my case or to provide me a credit as they investigate given that they " failed '' and had lost my money in the first place. She said she was unable to do anything but file a case. 

I do not believe a case has been filed even still. These people have the money -- the check has cleared, I have photo documentation. I can get no one in Customer Service at Shell Mastercard to help me or investigate what is now money they have stolen from me.