23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Synchrony Bank of XXXX Florida has sent me letters concerning my application for four different accounts. They have turned them down and notified me of the actions. The problem is that someone else has submitted the applications claiming it was done jointly with me. I have never done any business with that bank. They try to avoid providing me with any information about the crook involved. The name might be XXXX XXXX. 

There have been previous attempts to steal my credit cards from banks that I use. One stated the card had been lost and a new card should be sent to XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. Another used a XXXX XXXX Address. 

Hope you can catch the crook.
Product: Credit reporting or other personal consumer reports

I contacted capital one with letters, phone calls, and cfpb complaints. I was told that the late payment would be removed but it is still showing on my credit report. Capital one is unable to show proof of the late payment being made nor are they able to proof that they sent notice of the late payment being reported XXXX days beforehand. These both are violations of the fdca and the fcra XXXX dont want anyone calling stating they will investigate my issue. I want this error deleted and blocked from my credit report it is causing me great financial harm. The late payment is reporting XX/XX/year> on account number XXXX.
Product: Mortgage

In 2021, I received a notice of default from the mortgage company, Fay Servicing. At that time I discovered they had recently, prior to this, taken over our second mortgage. I was not aware of this, and this was why they sent the default notice. I was current on the primary mortgage. I called Fay Servicing to see what was going on, and this is when I learned about the second mortgage. They were prepared to foreclose on my house, but did tell me about applying for a forebearsnce, or modification in order to delay the foreclosure and see if there were any other options available to save our home. The process was started, and then the problems started. I did everything they asked or me, I sent I. Requested documents, filled out forms, and was told to wait to hear from someone. I never heard from anyone, so I started calling them, only to get answering machines stating to leave a message. I left many messages and no one would call back. I finally was able to speak to a representative, who told me they were the account manager. I was told there were missing documents but could not tell me which document was missing. This was just before they foreclosed. I finally was able to talk to someone who told me which document was missing and I submitted it immediately after hanging up with the manager. A few days later I discovered that they had gone ahead and started foreclosure proceedings and that there was nothing else to be done. I even had one account manager tell me that foreclosure was not the worst thing, and we would get over it. I told him I would be sure to tell my children that when we are forced to move. 
I have read MANY complaints along these same lines like what happened to me. I do not understand how a mortgage company is allowed to operate using these kinds of practices and delay tactics. The lack of communication with this company is baffling. 
So, in XXXX of 2021, my kids and I had to move out of the only home they ever knew. My ex-husband and I were divorced, and he, unfortunately, in his despise of me, refused to step in and do anything to help save our home. The deed to the home was only in his name, but the mortgage, we had, in previous years, refinanced, included my name as well. He wanted nothing to do with it and refused to make any payments since he was no longer living in the home. 
***I had previously filed a complaint through the CFPB, but when I logged in to my account I had created, it says I have no complaints on file. Not sure why?? So, I am doing another complaint. 
Our home is long gone, sold at Sheriffs auction, and we are living elsewhere, but I do not believe this company should still be in business. They cheat people out of their most important investment! 
I would love to know if there are any class action lawsuits against Fay Servicing that I could get involved with. They need to be field accountable! 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts and inquiries on my report that I do not recognize 2 from XXXX XXXX 12 inquiries from XXXX XXXX which makes no sense at all XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX, XXXX , Florida . XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4 please provide copy of original documentation from following companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE PROVIDE ORIGINAL CONTRACT ALSO PAYMENT HISTORY & WHO WAS CONTACTED IN THOSE COMPANIES
Product: Credit reporting

In  XXXX  of    2017 I re ceived my credit report and found there were  XXXX  collections being report by   XXXX   XXXX   for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX  /2017.  It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is {$530.00} fraudulent medical collection account still reflecting on my XXXX credit report even after submitting a multitude of identity theft documents.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX spoke with respentstive in reference to fradulaent account on credit report. Representative advise me that the negative report will be removed from credit report and the report is still on present showing negative and it will not let me dispute due to inaccurate and the company not being able to prove when the services was conducted. I want this negative report removed from my credit report.
Product: Student loan

Nelnet is servicing my XXXX Loans for me and my school is XXXX XXXX XXXX XXXX ; they are not awarding my aid or applying my loans to my student account to pay for my tuition and fee 's in a timely manner. XXXX has Online XXXX Students wait 3 weeks into a 10 week term before loans are applied to account balances and student 's refunded the difference. In total it is a 21 day process with the term being well into session but we are unable to access our funds and use them toward educational expenses. XXXX does not make their onsite campus students wait 21 days to access their federal student aid and loans, this causes a hardship on the XXXX XXXX XXXX who is an adult and don't live in a dorm. The school says its the lender and the lender and XXXX says it is the school 's policy. I am unsure but I do know it is inequality and unjust and I will keep complaining until we online graduate students are not penalized for being professional students.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act XXXX Account 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
Product: Checking or savings account

I wrote a {$10000.00} check to a friend from my Wells Fargo checking account and sent it in the mail. Someone other than my friend got hold of the check and deposited it into their account. Neither my friend ( the intended recipient ) nor I knew this other person. 

About a month after I sent the check, my friend called me to ask if I had ever sent it. I saw that the check had been cashed the day after I wrote it. I couldn't see the back of the check on line, so I had to request it from Wells Fargo. It took several days for them to send me a copy of the signature on the back of the check. 

After both my friend and I realized that some stranger had cashed the check, I set up a claim with the fraud department at Wells Fargo. The Wells Fargo claim number is XXXX. This was on XX/XX/XXXX. 

Since then, I have spoken to several different people at Well Fargo, never the same person, each call taking over 5 minutes to verify me, and I have been given the run around every time I called. Finally, yesterday I got a message and today, XXXX XXXX XXXX  Wells Fargo told us the the claim was escalated to the " exception payment department '' with a phone number how to reach them. So far, two separate calls, both on hold for 60 minutes and 30 minutes respectively, with no one answering the call. 


I am attaching the front and back of the check to you to see that the payee and the signature are not alike. I was told that the check was deposited in a XXXX account. 

We are trying to to get the {$10000.00} put back in our account. Will someone please contact me an try to help me reclaim my money. 

My phone number is XXXX email - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion Consumer Relations several times about this matter and its been well over 90 days and I have yet to hear anything back from them. The last dated comply letter was XXXX. It is doin no good to keep reaching out to them as they don't comply with any regulation rules nor do they comply with their own rule and or company polices. I need help because this situation is destroying my credit worthiness and attacking my character.
Product: Vehicle loan or lease

I was sent a letter from XXXX XXXX XXXXXXXX detailing the sale of the leased car I had turned in early. The letter stated there is a refund amount of {$100.00} DUE TO ME, and will be mailed to me within 30 days of the date. ( XX/XX/XXXX ) of the letter. 

I have made numerous calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) involving hours of my time to the only number listed to call and I have been passed off from one customer service person to another and given excuse after excuse after excuse. My last phone communication ( XX/XX/XXXX ) I was told that the payment would be processed/ " expedited '' but that never happened either. I have received one scripted email ( XX/XX/XXXX ) from a so called " Customer Experience Specialist '' that I replied to with my frustrations and I have never gotten a reply with a resolution to my specific situation. 

I know {$100.00} is not much, and it isn't even about the money anymore. At this point I want XXXX XXXX XXXXXXXX to be held accountable for not processing refunds that they owe to me and who knows how many hundreds of other people. How many thousands of dollars do they have hiding in their books somewhere that they are assuming ( hoping ) people aren't going to bother to go to the lengths that I am to get what is owed to me?
Product: Debt collection

Columbia Dept Recovery. I have contacted company several times also request debt validation letters. Company will not respond company has never sent me anything. I have never heard of or done business with company. My rights have been severely violated. I am XXXX XXXX XXXX and stuck in a mild infested home because this company is reporting inaccurate information and fails to respond to have it removed. They are continuing to lie to bureaus.
Product: Student loan

I have requested a copy of an accurate balance and original promissory note with my signature. I have only received letters stating this loan is protected by the government. I have to receive the information I requested. It has been 17 years since I had a loan. I would like an accurate account of what I owe and the original promissory note stating what I owe.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : XXXX The Last Activity for this account on Transunion is XXXX Last Activity for this account on XXXX is XX/XX/XXXX. The Last Activity for this account on XXXX is XX/XX/XXXX. This account isn't reporting at all on Transunion in the last two years from XX/XX/XXXX to XX/XX/XXXX. This account is reporting on XXXX as collections for the last two years from XX/XX/XXXX to XX/XX/XXXX. This account is reporting on XXXX as positive payment history for the last two years from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. Transunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax I may have been impacted by the recent breach. This is unacceptable - mistakes happen, but the loss of almost half of America 's personal information is a disaster. Equifax needs to be punished.
Product: Credit reporting or other personal consumer reports

This company is reporting payments on my report. This account was never late. The company is reporting I am late 30 days on one reporting agency and 60 days late on another. According to Metro 2 compliance and the FCRA all information should be reported the same to each reporting agency. 

There is an error with this account reporting, this account was never late. 

I have attached the payment history showing there was a payment made in XXXX, when the alleged 2nd late occurred on one bureau, and XXXX payment was also made for the alleged 1st Payment.

Attached is also the reporting inaccurate from one credit bureau to the next.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC XXXX report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX XXXXXXXX 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: Mortgage

We have our loan for primary residence with Suntrust, which is responsible for making timely property tax payments from the escrow account. Since our property tax was adjusted higher, Suntrust made payment that was less than the required amount. As a result we were assessed penalty & interest by XXXX county. Even after notifying Suntrust about the shortfall it took them 4 weeks to make the payment - and all along the bill was accruing interest. We make our tax payments into Suntrust escrow so we should not be held liable for any accrued interest and penalty.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had a overdraft for XXXX and they take XXXX for XXXX and when you put the XXXX back into your account before the 24hours your still charged XXXX