23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX : XXXX, XXXX  : XXXX, XXXX XXXX XXXX XXXX I : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 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: Checking or savings account

Irs stimulus check deposited on XX/XX/XXXX to my PayPal mastercard debit card and it has yet shown up in my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX, XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX XXXX : XXXX, the following accounts referenced above have violated my rights as a consumer.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of Human trafficking of debt bondage and would like for all listed accounts to BE BLOCKED AND DELETED from the Company Transunion LLC : XXXX XXXX XXXX account number : XXXX, XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX : XX/XX/year> SSN XXXX XXXXXXXX I have mailed a copy of my affidavits to each company!
Product: Debt collection

I had membership for XXXX in XXXX, TX. I paid my membership as an automatic payment. They closed the gym " temporarily '' XX/XX/2016. I continued to pay my monthly dues until XXXX 2016 with no facility to work out at. I went in to XXXX, Tx to see if I could cancel my membership. I was told there was a XXXX XXXX XXXX XXXX I could choose to work at. The XXXX gyms are over XXXX miles away from the facility I had signed up at. I chose to cancel the membership and the rep signed off on the termination. I was not billed for XX/XX/XXXX and XX/XX/XXXX. I was billed for XX/XX/XXXX, which I called to see why they debited my account. They stated I was still responsible for the payment. I told them a furniture store had moved into the old XXXX XXXX I had signed up at. They did n't care about that fact. They told me it was to open up shortly. I told her it could n't open up, as a furniture store was operating out of the same building. They then stated I could work out at XXXX or XXXX. I informed them they were too far away from where I lived and I had infact cancelled the contract back in XX/XX/XXXX. She stated that XXXX was in receipt of the cancellation notice. She stated because they failed to fax it to them, " the billing company '' that it did n't count. They could n't get a hold of the gym, therefore we would still need to pay the contracted amount. I disputed that, as I never signed a contract with them. They sent me a link and asked me to register to obtain a copy of the " agreement ''. I never signed this contract. My signature was electronically placed on this document, as it was the first time that I 've seen this document. I asked how it was that they could bill me for a service they could not provide per their contract if they do not have a gym within XXXX miles. The gym was closed for more than 30 days, as it has been closed for 8 months. They could not keep their side of the contract and I 've requested that they not charge me. They state they will continue to charge even though they can not provide the service. The gym XXXX the XX/XX/XXXX and XX/XX/XXXX invoice the billing company provided to them. I then told them that was their sign that it was a terminated contract ; however because they can not reach out to Nautilus, they have decided to keep billing me. This is not fair and is very much a breach of their contract. They want me to pay for a service they can not provide and will not listen to my calls and pleading for them to stop billing me.
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX XXXX to Specialized Loan Servicing ( SLS ). During the transfer my account was labeled as being in " Bankruptcy '' and therefore my payments submitted to SLS have been returned. My account is NOT in bankruptcy, I have been current with all monthly payments, and there are no negative reports of late payments or past due charges. I have tried for three weeks to have SLS remove the bankruptcy status on my account so I may submit payments.
Product: Mortgage

I have been in limbo with moving ahead with a disposition of a mortgaged property. It has been over two years. I have written to Shellpoint Mortgage asking them to either move toward Foreclosure, a Deed in Lieu and I have someone who wants to do a Short Sale. They have refused to move on either one. I am willing to assist them in whichever direction they choose. They only continue to add on fees and services without moving ahead. My hands are tied and I do not know what to do in order to get them to move ahead to some type of closure. I have my registered letters and all of my emails sent begging for a resolution. Please help me. I do not know where to turn to get this resolved.
Product: Credit reporting or other personal consumer reports

I have disputed with this company regarding late payments reporting to my credit report.

I am now writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report for late payments.

According to The Fair Credit Reporting Act all these laws should apply to my credit report as well.

15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n
Product: Debt collection

Upon reviewing my credit report, I found multiple accounts that appear to be inaccurate and were added without my consent.
Product: Checking or savings account

Transferred {$3500.00} via XXXX to my own phone number but funds were sent to someone else. Caller came from Bank of America, and was Bank of Americas actual phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX  XXXX Bankruptcy Docket XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted early XXXXto request that these addresses are fraudulent and they are still on my report. My personal information has been compromised from one of these fraudulent addresses and I demand that they be removed immediately or I will have my attorney go forward with a lawsuit. Every address listed are to be removed asap : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THE SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Mortgage

In 2018, my pension was reduced by {$400.00} per month which was a significant portion of my income, and thus I fell behind on my mortgage loan. In addition to defaulting, the home needed major structural repairs that I could not afford to fix. In the past 3 years, I have attempted to apply for a loan modification but I do not qualify based on my current income not would I have the funds needed to make repairs if I was qualified. I've made several attempts to sell the home but any potential buyers that have shown interest wanted repairs to be made first. I am now in the process of applying for a short sale and I have submitted a completed application to my mortgage lender, I just need an additional 60 days for them to review so that I can close on the short sale. I am in my retirement years and I can not afford to deal with a foreclosure on my credit right now, I just want to get this home off my back and sell it. I need help from someone to reach out to PNC bank and have them give me more time to do the short sale.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified discrepancies.I attached the letter together with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit card

I hope all is well. The reason for my complaint is I made two payments in XXXX because I was given the wrong information by your Macys agent. The first payment of {$280.00} made didnt go through because I had an issue with my bank so I asked the agent was it going to retry he said no I need to make another payment so I made another payment of {$280.00}. The first payment did retry of {$280.00} and it finally went through. The {$280.00} was rejected but then went through when I got paid I reached out to Macys to get the {$280.00} back because I cant afford to make two payments. I was having a hard time getting the {$280.00} so I reached out to Discover bank and filled a dispute because Im only required by law to make my minimum payment which I did. Now today I got a call talking about this is attempt to collect a debt how is it attempt to collect a debt if I made my payment last month as well as this month. The {$280.00} was a double payment now I have fees and everything now its stating my next payment minimum is {$800.00} something dollars I cant afford that. Again this is definitely not my fault because Macys agent should of told me the payment of {$280.00} was going to retry and I would of never made a payment of {$280.00}. Im not understanding how you are calling me attempting to collect a debt on a double payment Im only required to make my minimum payment. Please resolve this and fix what is he minimum due in XXXX because I have not ever had a call to attempt to collect a debt my whole life and Im XXXX. I dont appreciate it at all. If this isnt resolve Im going to take further action. That you are threatening with false information because you received the payment that was on my statement for XXXX and XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in escrow on a house with a secured interest rate of 4.625 % and on XX/XX/XXXX. I was notified that my credit score unexplainably went down XXXX points. This was a result of the security breach into Equifax. The result of this credit score dropped disqualified me from my original loan and I was forced into another loan at a rate of 5.6 %. The end result my payment increased monthly by {$800.00}, which translates to approximately a {$270000.00} increase in payments over the lifetime of a 30 year mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went online to Shellpoint Mortgage ( NewRez ) to " inquire '' about whether they had a deferment  program due to COVID-19. Per the site, there wasn't any visible COVID-19 information, just to fill out information on the site and someone would follow up. In doing so, I followed up with Shellpoint Mortgage ( NewRez ) the next working day. The representative I spoke to stated that they did not have a deferment program, but did have a forbearance program. I told her that I was not interested in a forbearance program and to please disregard my inquiry. Since that day, this issue has been a nightmare. On XX/XX/2020 I received a letter from Shellpoint 's Loss Mitigation department dated XX/XX/2020 indicating that I had made an agreement for a temporary payment plan and that I did not honor it. I called and emailed on XX/XX/2020 and XX/XX/2020 and demanded to speak to a supervisor, in which I eventually did. On XX/XX/2020 I received an email from a Supervisor, XXXX XXXX XXXX, who per email stated that the forbearance was set up in error and they recognize that I did not request assistance. On XX/XX/2020 I received an update to my Shellpoint Mortgage Servicing account from XXXX XXXX showing that Shellpoint Mortgage updated my credit reports ( XXXX  and XXXX ) with the following comment : " Affected By Natural/Declared Disaster '' I contacted Shellpoint Mortgage ( NewRez ) to remove the language from my credit report on XX/XX/2020 and then filed a dispute with both XXXX   and XXXX  disputing the language and to remove the remarks from my credit report. I received two letters that were identical in verbiage dated XX/XX/2020 and XX/XX/2020 from Shellpoint Mortgage Escalation Department stating the following in the first two paragraphs : " This notice is to confirm that you have declined the COVID-19 Forbearance Plan assistance program. We have removed the Forbearance Plan from your loan ... '' However, the language, " Affected By Natural/Declared Disaster '' is still in the comments/remarks section of my XXXX   credit report ( dispute results dated XX/XX/2020 ). The language was removed from my XXXX  ( dispute results dated XX/XX/2020 XXXX comments/remarks under Account Details, but in the Payment Status, the following was added : Terms : 360 months, Deferred ( last payment date showing XX/XX/2020 ) I called Shellpoint Mortgage ( NewRez ) at the Escalations Department and followed up with an email on XX/XX/2020. I have informed them that this is a last attempt to remedy the situation in its entirety as this has been ongoing since XX/XX/2020 and it is now XX/XX/2020. It is hard for me to understand why it is taking so long to fix this issue.
Product: Credit card

I applied for a Synchrony Bank XXXX credit card to purchase a product I wanted. I was approved for {$1300.00} I believe. My product was {$1200.00} I believe. This was in XXXX. My payments were {$81.00} a month. I paid faithfully for over 2 years. I paid the card down to {$770.00} more than half of what I owed. My next bill I received my balance jumped from {$770.00} to {$1300.00}. Confused I called Synchrony. I was told that I didnt pay the card off in the time I was suppose to. Confused again I told them I didnt know there was a time frame on paying off the card. I would like to pay the {$770.00} I had remaining to close the card. I was told I couldnt hence why my credit reports state closed XX/XX/XXXX with remarks of XXXX but kept collecting for 14 months showing current then state closed again XX/XX/XXXX with a XXXX XXXX. I had been double/triple paying for XXXX product I bought for {$1200.00}. I again was not told on the phone about a time frame if paying off this card. I believe I was blindsided by this misleading credit card and now my credit report is negative because of this misleading card.
Product: Debt collection

During the week XXXX, Lending Club has called me 15 times. I guess they are calling me about an " alleged '' " debt ''. There is no law that actually says i have to pay any bill.

On the recorded line, the lady said that lending club was indeed a bank. According to my research, A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. According to 12 usc 1431, banks can not loan money or extend credit. Lending Club has violated my consumer rights on multiple occasions and I ask that you remove this account from my credit report. I didn't give any of the bureaus written consent to furnish a credit report on my behalf. That is also a violation of my consumer rights and federal law. Lending club is reporting an " alleged debt '' on my credit report which is a violation of 15 usc 1692b. Also, they called a phone number that's not even on the account. A number that i never personally gave to them. Which is identity theft because how did you even get that phone number.
Product: Credit reporting or other personal consumer reports

We purchased XXXX XXXX XXXX XXXX  XXXX with traded my XXXX XXXX XXXX XXXX and {$4000.00} down payment on XXXX, XXXX and deal was done and weve been driving the car almost a month. 

I realized that Ive received so many denied letter from BANK and I checked the my credit check history and I found out the dealer has checked my credit after our deal and got so many hard inquiries then my credit score is dropped for XXXX My XXXX XXXX also havent paid off yet so we called the dealer and they told us that the bank denied the financing We were like???? We already done the deal and its been already a monththe dealer never contacted us or notified regarding the financing. 
We are the one who contacted but the dealer should contact us They offered us another deal which we pay {$25000.00} more down payment or get co-signer or return the car back We tried to contact XXXX XXXX also customer service but they told us the vehicle hasnt registered under my name so they cant do anything When We return the car and get the traded car back and down payment back but. 
Isnt illegal that after deal is signed and a month laterthey cancel the deal??? 

When we asked them to provide deletion letter for the hard inquiries because of them, they told me that they can run the credit within XXXX after I sign the credit application..yes I did sign but its only for the day we got deal and deal was done on XXXX, XXXX but they run my credit without my authorization on XXXX and XXXX, XXXX and they didnt even contact or notify us regarding financial issue they had.we are the one who figured out by denied letter from Several banks and contacted the dealer
Product: Mortgage

XX/XX/XXXX BAYVIEW LOAN SERVICING , LLC XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX LOAN # XXXX I AM A XXXX CITIZEN WITH XXXX  XXXX XXXX XXXX AND ALL THE PAIN THAT COMES WITH AGING AND YOU HAVE BEING TORTURING ME SINCE COVID19 EPIDEMIC CRISIS WHEN I LOST MY JOB. YOU RAISE MY MORTAGE FROM {$550.00} TO {$720.00} AS PER YOUR MORTGAGE CHART AND MY PRINCIPAL BALANCE WAS {$100000.00}. ALL OF YOU ARE DOING IT WRONG. YOU ARE SCAMMERS, FRAUDULENT, CROOKS, IMMORAL, CORRUPT. YOU ARE ABUSING THE GOOD FAITH GOVERNMENT PROGRAM TO HELP HOME OWNERS TO KEEP OUR HOMES IF WE WERE AFFECTED BY COVID19 NATIONAL CRISIS LIKE MYSELF LOOSING MY JOB BECAUSE OF COVID19. YOU HAVE BEEN SELLING ( SO CALL TRANSFER ) MY MORTGAGE WITHOUT MY AUTHORIZATION TO YOUR OWN SERVICING COMPANIES LIKE XXXX XXXX XXXXXXXX XXXX LOCATED ON THE XXXXXXXX XXXX XXXX TO YOU, ALSO TO COMMUNITY LOAN SERVICING, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ETC, ETC, ETC. THEN YOU PUT ME IN THE HANDS OF XXXX XXXX XXXX FROM CALIFORNIA WITH XXXX XXXX XXXX IN CHARGE OF HARRASSING ME. SHE IS DEMANDING {$18000.00} UP FRONT TO BRING MY MORTGAGE PAYMENTS CURRENT PLUS THAT I HAVE TO APPLY FOR A BRAND NEW MORTGAGE UNDER THEIR OWN TERMS AND CONDITIONS, WHAT A RIP OFF. I KEEP TELLING THEM THAT I AM WITH THE GOVERNMEN PROGRAM WITH BAYVIEW BUT THEY JUST IGNORED ME THAT MY LOAN WAS MODIFIED BY BAYVIEW IN XXXX OF XXXX TO PAY {$650.00} MONTHLY. THIS IS A STRUGLE THAT DOES NOT COME TO AN END BECAUSE YOU DO NOT CARE, YOU JUST WANT TO STEAL MY HOME AND OBVIOUSLY THE HOMES OF WE THE PEOPLE, LIKE BAYVIEW SAID " WE ARE HELPING THOUSANDS AND MILLIONS OF PEOPLE TO KEEP THEIR HOMES, XXXX. AUTHORITIES OF OUR COUNTRY THE USA, STARTING WITH STATE GENERAL ATTORNY XXXX ( GET THE FORM THRU THEIR SECRETARY ), FTC, XXXX XXXX XXXX, XXXX XXXX, FBI FROM XXXX, FL, ELDERLY SERVICES ... ... .... THEY ARE GOOD AUTHORITIES WILLING TO HELP US TO KEEP OUR HOMES, OUR HARD EARNED MONEY. THEY RAISED MY MONTHLY PAYMENT TO {$72000.00} IN XX/XX/XXXX TO SET ME UP FOR ME TO CONTACT BAYVIEW WHERE THEIR REPRESENTATIVE ENCOURAGED ME TO ACCEP THE GOVERNMENT PROGRAM, TELLING ME NO TO WORRY BECAUSE THEIR PROGRAM CONSISTED OF NOT PAYING MY MORTGAGE FOR 18 MONTHS, THEN 18 MORE MONTHS WITHOUT ME HAVING TO SIGN ANY DOCUMENTS, PLUS 9 MONTHS IN WRITING, PLUS SIX MORE MONTHS IN WRITING THEN IN XX/XX/XXXX BAYVIEW MODIFIED MY LOAN BUT STILL THEY WANT TO STEAL MY HOME. THEY HAVE TO HONOR OUR AGREEMENT. THEY REQUESTED MY AUTHORIZATION TO WITHDRAW MY MONTHLY PAYMEMTS FROM MY BANK ACCOUNT WHICH I SENT BACK WITH OVERNIGHT LETTER AND BAYVIEW FAILED TO COLLECT THE PAYMENTS SO THEY CAN ACUSSED ME FOR NON PAYMENTS THEN DEMANDING THAT I HAVE TO COME UP WITH {$5000.00} TO KEEP MY MORTGAGE CURRENT. THEY DO NOT CARE, THEY JUST WANT OUR HOMES. THEY DO NOT EVEN RESPECT OUR STATE ATTORNEY GENERAL WHO IS MONITORING MY MORTGAGE, THEY DO NOT FOLLOW THEIR REQUEST TO ANSWER THEM WITHIN 30 DAYS, THEY DO NOT DO IT. IT IS A LONG STORY I HAVE ALL DOCUMENTS SUPPORTING MY COMPLAINTS. GOOD LUCK. THANK XXXX