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

Recently reviewed my credit file. I noticed some accounts that were investigated and deleted from XXXX. Experian and XXXX has not provided any debt validation or method of verification used to validate debt. 

below XXXX XXXX XXXX
Product: Checking or savings account

On the XXXX I ordered an educational book from XXXX through my citibank card. I typically will leave more than enough on my account so that these discrepancies don't occur. I left XXXX on my account.. the issue I'm having is I have recieved my book and the payment was passed but I still have an authorization that will not drop off in a timely matter ( 7 total ) days it is now going to effect my direct deposit when I did everything responsibly fo this to be handled before my deposit.. so my account is XXXX in NEGATIVE. 
when I reached out to the bank they assured me that the authorization would fall off but it's been 9 days and my account has not restored to its positive balance. If the money was taken through a *debit card on the XXXX why is the authorization charge under a different title that is confusing to the bank and myself inregard to XXXX XXXX part. I want my account back to the positive balance it should have which would be alittle over XXXX. It's a shame I have to use my debit card in this way because the banks and merchants have proved to be inconsistent and lack care of personal financial problems we as consumers have to endure.what I would like to be done is my account to go back to is positive balance so that my income is not a effected my a book purchase... I have to provide for my family. There's no reason my account is negative because of a pending charge that citi can't clear away in a timely manner with respect to incoming funds.
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 the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX {$4800.00}
Product: Mortgage

SHELLPOINT /NEWREZ mortgage services of this account states that they suspended payments too the loan to make payments to taxes and insurance because there weren't enough money in the escrow account to pay them in full.I reminded them that they had no authority according to the contract too pay my insurance or tax at any time if monies were not availability in lure of payment to the mortgage loan there by placing said loan in default and additionally adding late fees as well. I supplied the mortgage servicers documents supplied by the XXXX COUNTY Treasury 's office which states that the homeowner is totally responsible for paying property tax, I am convinced that that the mortgages servicers concocted this fraudulent scheme too defraud me of my home by what ever means possible, I add monies to my mortgage payments to be deposited in my escrow account each month but I am unable to pay my taxes or insurances in full but they set up payment plans to accommodate the homeowners my mortgager to date has failed to pay several months interest and principal payments as contracted too the mortgage as required and has charged me several months late fees the suspension of the the note payments and the charged late fees together totals {$10000.00} which are all part of their scam to defraud me of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few Fraud accounts I've tried to get resolved with not promising results collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX no one thoroughly investigated the fraud nor removed them Identity theft was filed and asked for items to be removed but was not
Product: Credit reporting

I WAS A VICTIM OF IDENTITY THEFT OVER A YEAR AGO. ALL CREDIT BUREAUS ADDED A FRAUD ALERT TO MY ACCOUNT. I DID NOT ASK THE CREDIT BUREAUS XXXX, XXXX OR EQUIFAX TO ADD A FRAUD ALERT BUT BECAUSE OF THIS COMPALINT IN REF TO XXXX IT WAS ADDED. PLEASE CONTACT ALL CREDIT BUREUS AND REQUEST THAT THIS ERONEOUS ALERT BE REMOVED FROM MY CREDIT REPORT.
Product: Checking or savings account

XX/XX/XXXX I found a transaction in my savings account, dated XX/XX/XXXX, where XXXX did a trial debit of {$1600.00}. I immediately went to TD Bank in XXXX and filed a claim XXXX. The CSR said it was a debit fraud issue. It was actually an ACH issue I found out a week + later. Later that evening I found another trial dated XX/XX/XXXX. My account was then frozen and I could not access online banking. I was being told I had to agree to a verbal (? / used to be a written ) disclosure and the phone wait time in the branch is 2 hours. I have yet to get a response to my claim as to whether I am safe to use my accounts again. They have told me the funds were not taken since I reported the same day, but I have no update as to whom tried to take my money. Their voicemail is vague and I left 4 messages XXXX. I found out last Friday that they don't answer the phone. Then why was I given their # to call?? This operating procedure is unacceptable. I got the runaround from XX/XX/XXXX - XXXX. I could do no banking nor see if my remaining funds were in tact. Coincidentally, I just heard that my employer 's payroll person is being accused of stealing money from the company. Hence why I am concerned also about my remaining accounts.
Product: Credit reporting or other personal consumer reports

Unfortunately in these times, my XXXX plus hour a week job does not make ends meet. So I also work as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for supplemental income ( in addition to my full time job ). I have been doing this now for about two years. Out of the blue on Tuesday, XX/XX/2023 and Wednesday, XX/XX/2023, this fraudulent " background check '' company, Checkr, falsely reported me to two different XXXX XXXX that I receive income from that my driver 's license was suspended, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I went to the Oregon DMV, XXXX, Oregon on XX/XX/2023. I was informed by the actual DMV that my license was NOT suspended. The agent who assisted me also verified this with one of their colleagues. I was then informed that not only was the background report that I showed them inaccurate, that checkr was not an authorized website for providing driving records. Not only is this website inaccurately providing false information about me, they are not even authorized to do so. This false reporting has caused me financial harm, as both of my apps will not let me deliver as long as this false information is on checkr 's unauthorized report. I want this incorrect reporting removed immediately, this company shut down and fined to the maximum for their actions.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

XXXX XXXX : XXXX XXXX LOAN ( XXXX ) ~SLS LOAN ( XXXX XXXX RE : FRAUDULENT WELLS FARGO/HSBC INVESTORS/SPECIALIZED LOAN SERVICING INVESTORS HOME RETENTION GUIDELINES I contracted a 30 year mortgage loan of {$540000.00} with XXXX XXXX XXXX XXXX guaranteed by the United States Government agency , XXXX XXXX XXXX to purchase a house in New XXXX XXXX NY XXXX. 
In XXXX, XXXX XXXX secretly sold my mortgage to a private Investors, XXXX without informing me ; until XXXX when I came to find out from Court Documents from XXXX XXXX. 
I protested then, and was informed by XXXX XXXX that it would not affect me adversely and was the usual practice in the industry. XXXX XXXX elected to keep the role of Loan Servicer, after selling my loan to XXXX Investors. 
The borrower discovered recently that XXXX XXXX unilaterally sold my loan to XXXX Investors so as to remove the US Government agency, XXXX XXXX XXXX guarantee that protect me against hostile predatory practices, without informing the borrower, and benefit from the CARES ACT and other provisions to alleviate the sufferings of Americans due to the Pandemic. 
The borrower would have elected to refinance the loan from another lender with the cover of the US government guarantee through XXXX XXXX XXXX and benefit from the CARES Act ( para. 7 of Exhibit ) In XX/XX/XXXX, XXXX XXXX transferred the loan servicing, to Specialized Loan Servicing ( SLS ). XXXX XXXX also transferred my application for loan modification to SLS. 
SLS approved a strange retention program, which added a new balloon loan of {$380000.00} to the existing mortgage ( bringing the total loan to {>= $1,000,000} compared to the original loan of {$540000.00} ; and recall {$520000.00} had already been paid by the borrower towards the repayment of the mortgage ) as a condition for signing and extending the loan repayment from 30 years to 40 years. 
The borrower could not sign the so called approved retention program ; without the removal of the additional loan of {$380000.00}. 
In view of this anomaly, the borrower raised a petition to CFPB in XXXX, XXXX. 
In the response to CFPB dated XXXX XXXX, XXXX ( see Exhibit attached ), paragraph 7, SLS stated that : 1 ) The Cares Act and other applicable United States Acts to protect consumers are not applicable to this loan, because it is no longer owned or guaranteed by a government entity- XXXX XXXX XXXX XXXX It is now governed by the Investors Guidelines-XXXX XXXX  XXXX, XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. 

2 ) The XXXX Investors guidelines have their tailor made modification that does not consider income or expenses in the review process unknown to the borrower. Meanwhile the borrower was made to submit their documentation on income and expenses in the loan modification application.
Product: Credit reporting or other personal consumer reports

My information was exposed in 2 large data breaches one being Equifax the other being XXXX which have cause fraudulent accounts to be obtained in my name XXXX XXXX XXXX XXXX  XXXX the amount of XXXX $ opened in XX/XX/XXXX also has incorrect information DOB shows XX/XX/XXXX my XXXX is XX/XX/XXXX This is not my account and was opened fraudulently please validate. 
Someone obtained an XXXX XXXX my name XXXX XXXX XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was made aware of a recent account by XXXX XXXX XXXX. I have never applied etc for this company. My credit has been frozen since XXXX. XXXX never did a credit inquiry ( nothing shows on credit report of them doing that. If they had they would have seen the frozen credit report. ). This is NOT my account. I have told XXXX and EXPERIAN this and they are not removing it from my credit report. I can not contact XXXX because XXXX ) I have to leave a voicemail and No one ever responds and XXXX ) if I send an email I have to include my social security number. I believe XXXX to be a fraudulent scam company who allows other people to use our great credit and we get stuck because they are not diligent in checking credit reports. I am not the only one this has happened to. If anything could be done to change XXXX business practices or get them out of business, it would save a headache for everyone. I want this false information off all three credit reporting agencies. Not only do I have frozen reports but now I have layered it with fraud alert. But that doesnt help when they dont check! Thank you for your assistance in resolving this matter and restoring my credit report to accurately reflect my accounts.
Product: Credit card

XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX XXXX offers an email stock option recommendation trading service, which recommends option purchases every Friday morning before something like XXXX XXXX XXXX. The offer, which I responded to was four weeks for the price of one week with an automatic renewal at {$79.00} per month. They also warn that there are no refund if the automated renewal is executed. 

As I enrolled after XXXX XXXX. XXXX on XXXX XXXX, 2015, my first set of recommendations came on XXXX XXXX, the second on XXXX XXXX, the third on XXXX XXXX, and the fourth and final set on XXXX XXXX. On XXXX XXXX, which was a Sunday, they charged my credit card the {$79.00}. 

My complaint is 1 ) as they know that they will not give refunds on the automatic charges 2 ) as they provide us the recommendations via our email address Why do n't they email us a reminder that they are going to submit the {$79.00} charge, especially to senior citizens like my self, who get distracted and forget. Also, the first set of recommendations under the {$79.00} would have been Friday XXXX XXXX, 2015, so they could have email a reminder. Also, they use a third party payment processing company. I called that company and requested that they have someone from XXXX XXXX call me. That never happened and my credit card company was unable to get them to issue me a refund.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continued to state they verified a bankruptcy that I know to be inaccurate and they have not provided any evidence that they did an investigation since this could not be resolved I have initiated arbitration proceedings and this is notice each consumer agency needs to pay the arbitration fees so we may litigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from SageStream LLC stating that I had requested my StageStream XXXX XXXX score but I have not requested such a score. The description of the key factors adversely affecting my score were incorrect and incomplete. I have requested a copy of my credit report which sage stream has refused to provide. Theyve also refused to provide any information about any creditor or potential creditor that they provided information to
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was directed to Freedom Debt Relief after being denied for a debt consolidation loan. I reached out to the company and the program was explained to me. I agreed and signed up for the program, not apparently understanding how the fees worked. In all the documentation I received I was not informed how much of a percentage would be taken during my debt relief program. I payed monthly fees for the account that seemed very reasonable along with a few other fees here and there. I assumed these were the fees for the program not knowing there would be more. 

Between XX/XX/2019 and today, XX/XX/2019 I had deposited XXXX. On this date I logged in to see the progress of my account and observed a fee of {$4400.00} which completely caught me by surprise as it was almost the exact amount in my account. I immediately called and spoke with a representative who stated that is was a service fee for my settlement and that I agreed to it when I signed my contract I asked to cancel the account immediately and that I did not agree to pay everything that had been saved as a service fee. I was transferred to someone who could cancel my account. 

I spoke with a XXXX. When I asked to cancel my account and be reimbursed. She stated that this had been agreed upon and I could not receive a refund for the services provided. She continued to state I agreed to the fees and was told this on my welcome phone call. I had to ask over 5 times for her to quit arguing and cancel my service. She finally relented and began cancelling account arguing with me the whole time. While cancelling I asked follow up questions about the fees that were not explained thoroughly to me and she stated that they had just made the first payment on my first settlement that day. This apparently entitled them to all the money in my account keeping me from being reimbursed. I confirmed if I had called one day prior I would have gotten my money back she stated that was correct. The agreed upon payment to my debt collector was for just under {$300.00} a month. So they made one payment of roughly {$300.00} and now get to keep {$4400.00} after I asked to cancel my program due to misleading information. They also canceled the settlement so I do not even get the product for my {$4400.00}. 

After finding this out I asked to file a complaint, which the person insisted on taking herself. I had to demand more than 5 times that I speak with a supervisor, before she finally connected me for the complaint. The supervisor took my complaint but stated there was not any real follow up that I would receive and that was what I agreed to. All in all I feel like I just lost over {$4500.00} and received nothing in return due to misleading information about the fees. 

I obviously researched to see if this had happened before and find that they were required to pay for misleading information in the past. Please look into this so no one else has this happen to them.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to remove some entries from my file due to incorrect information reporting. However, there remain entries that still need to be addressed. This is to formally dispute these remaining entries as inaccuracies in my file resulting from reporting errors. I confirm that these disputed items are not related to any transactions involving goods, services, or money that I have conducted or authorized. I request the removal of these inaccurately reported items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items are unfamiliar to me, and their reporting by your bureau is inconsistent with their deletion by others, raising concerns about their accuracy. The history and dates of these reports are unclear, adding to my concerns. As stipulated under FCRA 605B ( c ) ( 1 ) ( C ), I request the removal of these inaccurately reported entries. I appreciate your prompt response to this matter and look forward to your resolution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

The below listed collection companies can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the XXXX  and income can not be reported. The XXXX  Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate. By Definition, the XXXX  Clearly says a Cancelled debt or XXXX off is Income. The reporting of these account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX nor XXXX XXXX XXXX XXXXXXXX for the cancelled debts in order to file as ordinary income. Where is my XXXX from these collectors? Where are any copies of the XXXX forms they were required to submit? They are clearly writing off debt with the XXXX  without sending out XXXX as required by the XXXX  for XXXX greater than XXXX ( but also for any amount ). This is unsatisfactory at best and CRIMINAL at worst. 

The below noted " collectors '' have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information and I am ordering them to REMOVE these reports from the XXXX credit agencies : XXXX, XXXX and XXXX. 

CHARGED OFF ACCOUNTS REPORTING : JEFFERSON CAPITAL SYST Balance XXXXXXXX Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX Balance XXXX Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Balance XXXX Balance updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance XXXX  Balance updated XXXX XXXX, XXXX
Product: Credit card or prepaid card

XXXX ( Department Store National Bank ) XXXX as a store uses this company to issuse there cards. I first was approved for a XXXX credit limited and with in a month nothing changed on my credit report that I used to be approved. They without notice lower my limit to XXXX which dropped my credit score. This made my credit look like I had maxed out my card. This was one mistake. I fought for some time to get my balance down so I then Took out a loan from XXXX XXXX XXXX. to pay it down this loan. The check was sent out on the XXXX of XXXX and cash by there bank on the XXXX of XXXX. My loan officer made a mistake and left the last four numbers of my account number.. As a company they still cashed the check and I sent them a copy of the cash check on the XXXX of the month.. they have yet to return the credit or help me out ... I feel as a company they should be more helpful as a company