23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/XXXX at XXXX I called SLS to tell them that I was going thru mortgage per foreclosure counseling. 
I was going thru a divorce and forgot to pay my county and city taxes for XX/XX/XXXX, which I been paying since I bought my house in XX/XX/XXXX. Specialized Loan Servicing ( SLS ) paid my taxes without my knowledge nor consent. I struggled to pay there imposed fees for 12 months. After I paid them back the increased my loan amount over {$200.00} plus my mortgage fees for 12 months it took them several months after that to take my mortgage back down. My city taxes are $ XXXX county taxes {$790.00}. SLS has added hazard insurance in the amount of {$810.00} which in the state of TN is not needed. 
Then I started getting foreclosure proceedings lodge against me with increased loan payments amounts stating that my insurance was not paid from XX/XX/XXXX-XX/XX/XXXX. 
XX/XX/XXXX-XX/XX/XXXX policy # XXXX was in my daughter 's name XXXX XXXX. XX/XX/XXXX-XX/XX/XXXX policy # XXXX is in my name XXXX XXXX XXXX . XXXX XXXX group sent SLS {$1000.00} for my homeowner insurance policy # XXXX, but SLS increase my mortgage note over {$200.00} plus my loan note per month for their imposed homeowner insurance amount. 
When you call SLS they pass you around from one department to the next and then hang up your calls. Then when you finally  connect with someone you began experiencing a lack of communication within the company. I sent them documentation on their website per instruction ( XXXX ) showing there was no lapse of insurance they continued adding late fees and finance charges on my mortgage note, making it impossible for me to pay. SLS owes me a refund for {$1000.00} and all imposed inflated interest and late fees that I have had to pay. I'm not interested in selling my home and I'm paying XXXX my insurance premiums starting XX/XX/XXXX. SLS is to pay my city and county taxes out of my escrow which is included in my monthly note amount of {$690.00} and not {$970.00} that they have been trying to make me to pay. By trying to do this they are charging me interest and late fees with me now owing them an excessive amount to the tune of {$2200.00}. I called my Congressmen, XXXX Area Legal Services, United Housing, and XXXX. XXXX XXXX is my representative and we did a conference call with SLS around and about XX/XX/XXXX with XXXX in Customer Resolution@XXXX. XXXX conference us in to XXXX XXXX in Loss Mitigation. After a couple of hours speaking with these to they admitted there errors including my refund. As to this day I have only received more notices every month relating to debt collection delinquent payments, mortgage loan is in serious default/delinquent, application for mortgage assistance/relief options, relief change of intent forms, and as of XX/XX/XXXX notice of default and notice of intent to foreclose. 
I spoke with XXXX XXXX on XX/XX/XXXX in loss mitigation@XXXX. she requested same documents to be sent to XXXX which I did comply. Then I received my mortgage note for XX/XX/XXXX in the amount of {$2100.00}. 
This company has little disregard for the mortgages and finances of people. 
XXXX XXXX XXXX loan number # XXXX
Product: Debt collection

XX/XX/2018 XXXX I went to court for the balance i did owe so I dont understand why I have a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we traded in our XXXX XXXX XXXX Lease through Ally Financial, payoff was sent from my dealership I work at as I traded it in here. I was in touch with my finance XXXX who did the paperwork she sent the payoff and necessary documents. A XXXX later after we as a dealership sold the XXXX having satisfied the lease I got notified of a XXXX day late payment had hit my credit. Finance XXXX contacted Ally corrected the situation Ally apologized and admitted to the error on their part I have a letter stating so. They said they would remove the XXXX late payment on the account and credit report and the account was satisfied. Ally is telling me as its now XXXX yes the lease has been satisfied nothing XXXX is on file or on my credit. On XXXX it is still showing a XXXX late, but not on XXXX and XXXX. It has been XXXX  months and it is still on my credit report, it has effect me being able to get approved for purchases as it dropped my score XXXX points. I need this XXXX day late payment removed ASAP. It was an error on behalf of Ally. We satisfied the account far before the month end of XX/XX/XXXX and Ally has verified so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are 2 inquires on my credit report that I did not authorize. The company is ONE Main Financial. The dates are XX/XX/2020 and XX/XX/2020. I called and asked a question about my current account with them. The scary part of this is I didnt ask for any credit just a question on my account. They ran my credit 2 times without me knowing it. I wrote them a letter to dispute this and they refuse to remove it off my report. Its very unfortunate that companies are allowed to do this and are able to damage ones credit with no consequences. I want this resolved ASAP. I dont want to seek legal help with this matter but it may be the only solution. Please help me resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX THIS ACCOUNT IS REPORTING ON MY EQUIFAX CREDIT REPORT AS IF IT'S MY ACCOUNT. I'VE SENT NUMEROUS OF CERTIFIED LETTERS TO ON XX/XX/2016 THE COMPANY NOTIFYING THEM THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY AND THE LETTER WAS RECEIVED BY AGENT XXXX XXXX, ASKING THEM TO PLEASE CEASE AND DESIST WITH THE COLLECTION PRACTICES AS I AM A VICTIM OF IDENTITY THEFT AND STOP REPORTING THIS ACCOUNT TO THE EQUIFAX BUREAU BECAUSE THE ACCOUNT DOES NOT BELONG TO ME. I'VE ASKED FOR THEM TO VALIDATE THE DEBT AND TO VERIFY THE VALIDITY OF THE ACCOUNT. SHOW ME PROOF OF THE ORIGINAL CONTRACT BEARING MY ORIGINAL SIGNATURE. DO NOT SHOW ME PROOF OF BILLING STATEMENT BECAUSE THAT DOES NOT VALIDATE THE ACCOUNT TO BE ACCURATELY MINES. I'VE FILED THE PROPER PAPERWORK WITH THE LOCAL POLICE DEPARTMENT AND AFTER THEIR INVESTIGATION THEY SAID IT WAS NOTHING THEY COULD DO. I HAVE SENT ALL DOCUMENTATION INTO EQUIFAX TO REMOVE THIS ACCOUNT AND THEY HAVE YET TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance that is shown from my charged off XXXX loan is incorrect.
Product: Credit card

I applied for & received a XXXX XXXX credit card, through Synchrony Bank. Every time since making my first payment, when I attempt to log in to make a payment, the website gives an error message. If I log in as " guest '', the same occurs. There was a log in link sent one time, and it worked that only time, and I was able to make a payment. However, after that, the link no longer worked and I continually get the error message. I have tried logging in on different browsers on my computers and phones. I got ahold of someone with customer service and they said they are aware of the issue and working to get it resolved. That was 3+ months ago now. If I try to connect to the customer service chat online, I receive the same error screen. I expect that my account is accruing interest due to non-payments. 

I am entirely capable of making the small payments that I agreed to, but this is absolutely unacceptable that I can not access the account to make them. I have exhausted all other measures. PLEASE HELP. Thank you.
Product: Payday loan, title loan, or personal loan

I just learned that this is ILLEGAL in Pennsylvania. My interest rate is phenomenal and paying it off is killing me. Is there any recourse as it is ILLEGAL to recuperate the monies I have paid in to them over the past year+?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

A complaint was submitted to the Consumer Financial Protection Bureau ( CFPB ) regarding the methods and practices from Suburban Credit Corporation used to obtain a debt, from I, ( a living breathing being, operating in good faith, clean hands and not to avoid any actions against me ), which are unlawful and infringe upon my rights as a living being. The complaint was submitted to the CFPB on XX/XX/2021 and wrongfully closed. 

Suburban Credit Corporation mistakenly chose to deal with the legal instrument that was signed, sealed and delivered via certified mail as a cease and desist letter. The instrument contained specific instructions and an invoice to cure this matter. 

The fact that I have never engaged in business with Suburban Credit Corporation, but Suburban Credit Corporation brought it upon themselves to design a form sent by way of postal mail and created an account with personal identifiable information and initiated, initial communication, essentially displays the date identity theft/fraud took place. 

Suburban Credit Corporation designed a form knowing that such form would be used to create the false belief that participation in the collection of or an attempt to collect a debt allegedly owed. Suburban Credit Corporation intended to use personal identifying information, without my direct permission, to gain financial advantages, obtain credit and other benefits, and perhaps to cause adverse consequences. 

This matter is a direct violation to the local and federal rules and regulations to which Suburban Credit Corporation state they are 100 % compliant with. 

Local and federal rules and regulations include identity theft/fraud and all who attempts or conspires to commit any offense and the treatment of the unlawful actions of designing, compiling and furnishing of any deceptive forms. 

This matter should not be dismissed as a minuscule matter. 

Under the rules and regulations that govern Suburban Credit Corporation, there are far more consequential repercussions for identity theft/fraud than the instructions that were given in the instrument. 

[ You should not steal, nor deal falsely, nor lie to one another. - XXXX XXXX ]
Product: Checking or savings account

I am the trustee of a trust. This trust owns a business. This business is in the process of opening an account at Navy Feceral Credit Union. NFCU wants me to fraduelently sign documentation stating that I am the owner of the business, when I am not.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, In accordance with fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights 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 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: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX. HIgh Balance, 2.Last activity and 3. Date opened which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX XXXX Equifax High Balance {$5800.00} {$0.00} {$5400.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inaccurately reporting 3 bankruptcies on my behalf and without my consent. This information is incorrect and should be removed from all reporting agencies as this inaccurate reporting has negatively impacted my life.
Product: Mortgage

I went on XXXX military orders on XX/XX/XXXX and became eligible for benefits and protections under the California Military Families Financial Relief Act ( CMFFRA ). One of these protections is the deferment of principal and interest during my active-duty time plus 60 calendar days. I submitted orders to the company and was initially denied.

After requesting a second review, I was approved, but under SCRA benefits ( Federal benefits, not the State benefits I requested ). I have continued to make regular payments every month. 

On XX/XX/XXXX I spoke to XXXX ID # XXXX and requested that all payments above the required escrow payments during my deferral be applied to principal. 

On XX/XX/XXXX I received a letter that my deferment was approved through XXXX of XXXX. 

On XX/XX/XXXX I received an alert that my account was 30 days overdue and my escrow account balance had decreased without any disbursements. By CA law I am required to continue to make payments towards escrow, however XXXX had placed those payments in a separate deferred account. I attempted to call XXXX, but was on hold for longer than 30 minutes. I sent an email to XXXX XXXX at the address listed on the letter I received ( XXXX XXXX but did not receive a reply. 

On XX/XX/XXXX I received a credit alert that my fixed rate loan had been raised by {$8100.00}. I again attempted to contact XXXX, but did not receive a return call after leaving my number with their automated system. I again sent an email to XXXX XXXX, but did not receive a reply. 

On XX/XX/XXXX I noticed that my account had 8 balance adjustments and payment reversals over the last 6 weeks and my payment due was double my standard payment even though I was supposed to be receiving an interest free payment deferral through XXXX of XXXX. I again called XXXX and was on hold for over 45 minutes with no answer. I again sent an email to XXXX XXXX asking for a call back and explanation of my statement and what was happening to my payments. I did not receive a response. 

I have never seen a more incoherent misapplication of state benefits, and I believe it to be in violation of the California Military Families Financial Relief Act. I am unable to speak with anyone at the company and as I write this I have been on hold for over 40 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report through XXXX XXXX 's software in the beginning of XXXX, 2022. And noticed inconsistencies with the reporting of my account with XXXX XXXX XXXX XXXX. The problem was that all three credit bureau 's were reporting different late payments. 
So I sent out the 1st letter on XXXX XXXX by certified mail. 
Certified mail receipt # XXXX XXXX XXXX XXXX XXXX TransUnion XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX Demanding that all three credit bureau 's remove the late payment due to all three credit bureau 's being in violation for not displaying 100 % accurate information on my report. I then also included a copy showing the account ( XXXX XXXX XXXX XXXX ) from XXXX XXXX displaying that in fact all three credit bureau 's are displaying inaccurate information. 
I received my credit report from all there credit bureau 's 30 days later informing me that they verified the information and that it was accurate. 
I then conducted some more research through the credit consumer laws and was able to gather some violations that the credit bureau 's are committing against me at this time such as ( Pursuant 15 USC 1681a 2 ( A ) ( i ) & FCRA 15USC 1681a 2Ai ) I then sent out a second letter on XXXX, XXXX 2022 by certified mail XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX demanding once again for all three credit bureau 's to remove the incorrect information from my report and that all three companies are in clear violation of the laws. I made sure once again to send a copy from XXXX XXXX software to show that all there companies that are still displaying incorrect information and that they are clearly violation my rights. 
30 days later I received my credit report from all three credit bureaus stating that they have investigated the matter and that they have the correct information. Once again my question is how? Since all three credit bureau 's are reporting all different information. Ive been dealing with this back and forth for months now and it is ridiculous how these companies are able to get away with violation our rights, identity theft and fraud. 
If this matter is not resolved in a timely matter, I will contact my Attorney General XXXX XXXX, Congresswoman XXXX XXXX. 
I greatly appreciate the help
Product: Debt collection

I have repeatedly informed Financial Credit Network and it 's original creditor XXXX that I am not the responsible party for this debt that is reporting to my Credit Report in the amount of {$190.00}. The responsible party as of XX/XX/2015 is XXXX at XXXX, XXXX, CA XXXX. Also XXXX has record of the Owner changing the gas into her name around XX/XX/2015. This person can be reached at ( XXXX ) XXXX. The original creditor has this information as well.
Product: Mortgage

Went to XXXX XXXX. Pa XXXX pnc bank branch with my aunt to apply for a XXXX loan on XX/XX/2023. My aunt came with me to Co sign. Submitted our paperwork to loan officer. XXXX XXXX and she started the application process. Didn't hear from her for a month. She said she was on vacation and then requested more paperwork. We Submitted that to her. Waited a few more weeks and heard nothing. Messaged her multiple times. Finally got a response on. XX/XX/XXXX. She said the loan processor accidently closed the loan and that she had to redo it and submit it again. Also home appraisal came back super low with horrible comps with whatever program they use to get the home appraisals. I told her that I will pay to get a professional appraiser to do the appraisal. She said that it didn't work that way. She said she had to get approval from the underwriters for a professional appraisal. Again messaged her multiple times to see where we are with the process on XX/XX/XXXX and then on XX/XX/XXXX. Again no response. I finally called today the main loan number with pnc bank. They informed me that it was denied due to that my aunt doesn't live at my residence. XXXX XXXX the loan officer should of known that basic information the day we filled out the application. Pnc wasted 2 months of my time. Also she should of called me and told it was denied. Not ignore the calls and messages. Horrible business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my mortgage with the mortgage broker I've always used. He made sure that the current loan with Suntrust Mortgage would be paid off on XX/XX/19 to make sure it wasn't late. He's never had a problem paying off a loan on the XXXX of a month with any other bank, however Suntrust Mortgage company reported my payment as late because it was after 30 days. They didn't take into account that it was paid by the end of the month and paid in full. When I contacted them they said they wouldn't change the reporting because it's their policy that it be paid by the XXXX of the month. I feel that this late payment showing on my credit report is incorrect .... and the payment wasn't even made by me, it was paid through the process of refinancing. This bad report reduced my credit score by over 20 points! If you review my credit report you would see that I've never made a late payment, that's one thing I'm always good about doing, paying my bills on time! Thank you!
Product: Credit card or prepaid card

i am XXXX XXXX and i was member with DISCOVER card company from XXXX to XXXX and i do remember calling discover people in XX/XX/XXXX and telling them to turn off my account after i made all rest of my payments. and after few months they starting sending me bills again when XXXX XXXX people were charging my {$100.00}, {$200.00} all the time like they probably charged me 10 times same amount when i closed my account with discover people and while i was never ever using my XXXX   so they were charging me without reason. then i called discover people and explained to them that it was not me but they never made any move they always use to say we'll look into this and then they will put interest on that and send new bill with more money then i got another bill which shows someone was using my card with thier XXXX XXXX because i called discover people again and told them this is not me either then they said someone using your card with XXXX XXXX nd with your mobile phone number on and i was so shocked at that time nd i requested then to close my account again but like always they never did and always put interest on my card and send more bill so this is been happening so i didn't make any payments because i wasn't using thier card so why would i make payments but then my credit score starting going really bad nd now i have to take some steps. i really need justice and your help please look into this. please and apple pay transaction is not me either it's hacked or something because this is just so insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing this account several times on different reports but I am noticing once the account appears to be sold, the open date is constantly changing. This account originally appeared over 5 years ago so it is impossible for this account to just be opened XX/XX/2018. I do not feel it is right to keep reselling a debt and then changing the open date on it. This is a violation of the FDCPA and this is inaccurate reporting.