23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am filing this complaint on behalf of my clients. XXXX XXXX of XXXX XXXX XXXX XXXX, New Jersey XXXX. They are from XXXX and speak a limited amount of XXXX. The clients retired and could not longer maintain the mortgage. Clients stated they attempted to sell the property but the market during that time was too low and they were unable to get their asking price. 
Clients state they asked for a short sale, but was never provided information on a modification or any retention programs offer. 
When they came to XXXX, they had received some terrible advise. They had filed bankruptcy, and had limited amount of savings. 
Once I investigated the information provided and back tracked to Penny Mac, what they did do to attempted to do to assist the clients I found the following : They were sent to a translator that only spoke XXXX as a second language, They were never provided information to obtain a modification, forbearance or mediation in a timely fashion. 
The attempts I have made to assist them has been met with phantom phone numbers to attorney 's and letter send after the fact. I spoke with Penney Mac to attempt some relocation funds in XXXX. The sent a letter when we clearly stated they would be out of the country to attend, to an ailing mother. So the offer expired prior to their return. 
The Client has been issued a eviction but was not Offered any assistance they could use in a timely fashion. 
I believe they are not acting in a fair business manner as it relates to these clients. I have tried to contact agencies in their area, the attorney XXXX XXXX and leave messages with no answer. 


Thank you for any assistance you may be able to provide to XXXX XXXX and spouse. 

XXXX XXXX. 
XXXX XXXX
Product: Debt collection

Hello! 
I checked my credit yesterday and noticed that an address where I have not lived before popped up on my credit. Then today, I noticed that my credit dropped XXXX points. I saw it was from National Credit Systems. I sent two emails describing that I am a victim of Identity Theft due to my mother taking out credit cards and now rent, in my name. I have yet to get a reply from them. I have been calling and no one is answering. ( The number on the site. ) On my credit it said it originated in XXXX, but it is just now popping up on my credit. My mother passed in XXXX, and I am still dealing with the consequences of her taking stuff in my name. I already have the identity theft report on my credit. I am XXXX XXXX military and I have been XXXX XXXX since XXXX. I just came back to the states less than XXXX XXXX  ago. Attached is the report as well as my orders stating I do not live there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.
Product: Credit card or prepaid card

On XX/XX/2020, I received acknowledgement of the closure of a West Elm-branded Credit card from Comenity Bank ( account number ending in XXXX ). The current balance of the card, according to the letter, was - {$1000.00}. This was the second of 2 credit cards my husband and I had closed with West Elm after purchasing a {$6000.00} couch from them. We opted to take  advantage of special pricing when purchasing the couch if we opened credit cards with them to finance the couch. We payed off the credit card shortly after purchasing the couch. Due to a malfunction in the couch, West Elm offered us a {$1000.00} credit for the portion of the couch that was not working correctly. We asked that they make that out to us in a check as we were closing out the credit card. Shortly after that, they opened a new credit card account and put a charge of {$1000.00} on the account and started sending us bills. We did not request this new credit card account. I have asked for evidence of the opening documents for it and am being denied access to them ( which I am sure means they don't exist which is a violation of the FCRA ). This account was opened fraudulently and I would like to see it closed, all evidence of it removed from my credit report and all balances XXXX out.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX DEPT OFEDUCATION/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank : Closed the following credit card accounts without notice and one without using the card for any purchase. Care Credit - XXXX and other XXXX - XXXX. I want the closed accounts removed from all published credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I am writing you to express my concerns over the lack of accountability Zelle has taken, regarding the issues for transactions. It is very unprofessional, knowing this is an international service.
Product: Credit reporting or other personal consumer reports

We had a lease with Honda Financial Services ( HFS ). Our car was stolen on XX/XX/year>. We notified HFS that it was stolen as did our insurance company ( XXXX ) and they acknowledged that they were notified by both entities. HFS representative told us we did not need to make lease payments as they were in discussions with XXXX for them to pay for the car. They also told us that the information of " XXXX XXXX '' would not go to the credit reporting agencies as it was noted on our account because the car was stolen. We made several calls to HFS because the information was sent to the credit reporting agencies, even though they told us... promised us ... that it would not be sent as the car was stolen and they were in negotiations for our insurance to payoff the car. As a result of this being placed incorrectly on our credit reports, we have had our limits lowered on many of our other revolving credit accounts for no actual reason. We have a perfect track record of payments on ALL of our other accounts accept for this blemish not cause by XXXX or any of our actions. HFS has been less than empathetic and has not done anything in any timely manner to fix the XXXX for which they have causes us. We want our credit rating back! We did not cause this and should not be going through what we are going through due to fraudulent information placed carelessly on our credit report. We need help, but there is nowhere to turn.
Product: Debt collection

XXXX XXXX XXXX has obtained an old debt for a car loan. The debt is past the statues of limitations in Pennsylvania. They are going to try and take unfair tactics to collect on something that is not collectable in Pennsylvania, The debt is over XXXX XXXX XXXX.
Product: Checking or savings account

From XX/XX/XXXX to late XXXX several unknown people took money out of my account in the form of paying their bills. I contacted Wells Fargo on XXXX to notify them of these fraudulent transactions, which were over 300 and totaled over {$35000.00}. I changed my online password and closed my account and reopened a new one. Within a few days after this more fraud was detected on my new account. They had told me originally to keep my existing debit card and that a new card was not needed. Within a week they issued a credit of XXXX. I called back on XXXX the they told me that the balance of the claim was denied because the transactions exceeded the 60 day time period to submit a claim. The transactions they credited me for were from the same person they were denying the claims for. The fraud continued and I had to call back a third time to report the transactions. They credited me for those. At this point I had them issue a new debit card. This did not make me feel very confident that they would stop these from coming thru. They told me that my account was on high alert. Not true, if they kept coming thru. I decided to move all my money into a savings account that belongs to my daughter to protect myself from these people taking money out. They told me to contact the payees individually to report the fraud, but I am not sure if that will work. 
All of the transactions that are highlighted on my attached statements are the ones they will not credit me for.
Product: Credit reporting

I want to file a complaint against the credit reporting agency Experian due to a Persistent Dispute Remark/Notation that they are refusing to remove off my credit report. I was in the unwriting process of a home mortgage when I received a call saying I have been denied due to a Persistent Duspute Remark on my credit report on a PAID IN FULL COLLECTION ACCOUNT. The lender advised me to call Experian and the Credit Card Company. I have made several calls and attempts to get this resolved and explained the situation. The first 3 times I called I was told that Experian had to contact the Credit Card Company to get approval to remove which could take 30 days. I called the Credit Card Company XXXX XXXX XXXX which told me they couldnt remove the Persistent Dispute Remark without account being paid in full and a letter from me requesting the removal, so paid the account IN FULL and I faxed them the letter. So i called them back and they told me they still couldnt remove the Persistent Dispute Remark bc Experian would have to do it. I made 4 more attepmts back to calling Experian and explaing to them that I have been denied a mortgage loan due to this Persistent Dispute Remark and what the XXXX XXXX Credit Card Company told me and that they are holding my credit report HOSTAGE by not removing this Persistent Dispute Remark/Notation. XXXX with Experian told me they called the XXXX XXXX XXXX Credit Card Company and the Credit Card Company told her the would not give approval both XXXX with Experian and XXXX XXXX, pretty much told me " oh well go pound dirt '' they understand that with the Persistent Dispute Remark continuing to stay on the report will cause me to not get a mortgage but there was nothing they could or would do. XXXX with Experian proceeded to tell me that it was against their policy to remove the dispute remark. Saying there are some situations where their policy would do it but this wasnt one of them. So me and my XXXX children living on the streets bc of a PERSISTENT DISPUTE REMARK/Notation on a PAID IN FULL COLLECTION ACCOUNT isnt a good enough reason for their removal policy. I really feel they are holding my credit report XXXX and my life and my children 's life are in their hands and they can play with it. This has been extremely stressful going through this process when neither the XXXX XXXX XXXX Credit Card or Experian will help me but they will play with me, XXXX, cause me to miss hours and days off work, and lose my down payment and all other expenses ive paid into getting a new home for me and my children. I dont understand how they are allowed to ruin and play with other peoples lives and money like this. My credit report is being held HOSTAGE over a PERSISTANT DISPUTE REMARK/NOTATION on a PAID IN FULL COLLECTION ACCOUNT. Please help me and/or tell me what else I can do. My XXXX children and myself will have no where to live if I cant get this Persistent Remark removed off my Experian Report and close on my home by the end of this month, XXXX XXXX, 2016. Thanks for your time. 
XXXX XXXX
Product: Debt collection

Debt was settle and I requested the account to be deleted from the credit bureau. I disputed through XXXX and the company refused to delete the account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX trying to open a account On XX/XX/year> XXXX trying to open a account On XX/XX/year> XXXX XXXXXXXX trying to open a account On XX/XX/year>XXXX XXXX XXXX  na trying to open a account On XX/XX/year> XXXX XXXX na trying to open a account On XX/XX/year> XXXX XXXX trying to open a account On XX/XX/year> XXXX XXXXk trying to open a account On XX/XX/scrub>XXXX XXXX XXXX trying to open ma account On XX/XX/year> XXXX XXXX trying to open a account
Product: Credit reporting or other personal consumer reports

I closed on my house on XX/XX/year>. Late payment date is XX/XX/XXXX for banks. How was I late and then theres more activities on my report after the house was sold that wasnt me. Please correct it because its prevent a veteran of XXXX wars with XXXX branches from owning land that he proudly fought for. Thank for your time.
Product: Payday loan

I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months, I have seen my Credit Score drop almost 40 points from XXXX to XXXX!! 

After multiple inquiries, I can not get a response that would explain why my score has decreased. There has been NO negative factors that might account for this type of change.. ALL credit cards are PAID in FULL monthly, I have NOT taken on any new debt or opened new Accounts ... 

My wife 's score of XXXX as reported in XXXX has also seen a notable decrease ... 

This is outrageous and I am looking for your assistance in getting to the bottom of the issue ... I have to believe that if that this is happening to my wife and I with OUTSTANDING credentials, there an underlying and systemic problem requiring immediate attention.. 

Please let me know how I can help with this matter.. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting this request along with the necessary documentation, including a letter from an advocacy group assisting me as a victim of human trafficking due to debt bondage. This falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). Pursuant to Section 605B of the Fair Credit Reporting Act, I kindly request that you block and delete the following accounts from my credit report within four business days. As a victim of human trafficking through debt bondage, I am exercising my rights under the FCRA to have these accounts permanently removed. PleaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have had a care credit with synchrony bank for over a year and I may have had a late payment here or there but 6 months in they reduced my card without warning. I have been in awesome standing with them for the past 5 months and after I laid them off about 2 weeks ago they closed my account without warning. I went to use my card and discovered it was closed. When I called they read me off a letter I never received. I have several cards with synchrony bank and some have even raised my credit limit. After I paid them off they closed my account I believe it is the care credit company and not the actual bank. They wanted me to reapply to put a ding on my credit file.
Product: Student loan

Over the last several years, I have been working with the WI AG 's office and the Project for Predatory Lending regarding incorrect info and practices regarding the loans that the school took out in my name via copy & pasting my signature, high pressure tactics where inaccurate info and misrepresentations were used, pushing me into more expensive plans to pay back the fraudulent debts, and denying me relief I was entitled to, amongst other things. All of this info can be found in my approved Borrower 's Defense to Repayment application, that was approved, resulting in my Federal loans being discharged. My private fraudulent loans should have been discharged in the multi-state Attorney General settlement against Navient, but they weren't. Navient has given me a multitude of reasons, but the fact of the matter is that they have known for years that the info school listed on my loans is incorrect, and are now using it as an excuse to not discharge these fraudulent loans, coincidentally continuing with the shady practices that got them sued in the first place. Because of their refusal to correct things on their end, I also can not apply for and am not included in any other legal proceedings or discharge programs that have been created, due to their fraud. The bottom line is : Navient/Sallie Mae was found to be defrauding students alongside XXXX XXXX XXXX The loans they have listed in my name should have been discharged years ago. They have received roughly {$60000.00} from me, in an attempt to preserve my credit while fighting these fraudulent loans, and yet, the fraud continues.
Product: Debt collection

I have been attempting to QUICKLY resolve this matter for months. I have been sending certified letters requesting validation of this account to XXXX XXXX and XXXX. To which I have only received billing statements and not proof of any contractual obligation binding me to this debt. Despite not providing me with competent evidence that I have a legal obligation to this debt the have continued to report inaccurate information and damage my credit. I have even sent them proof of the SIGNED contract I had with them that ended XX/XX/2015. I do not owe them this XXXX bill they keep sending me as I paid everything owed when the contract ended in XX/XX/2015.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a credit alert stating that I applied for a Destiny Mastercard with Concora Credit. I immediately called and informed them that I had not applied for credit with this company and I want the inquiry on my credit removed immediately.
Product: Debt collection

Greetings. Happy Holiday Season. Thank you very much for taking a little time to perhaps help assist me on this matter. Since XX/XX/2019 I have been diligently taking care of my personal financial obligations with respect to credit. I have been successful at taking care of my priorities. While taking care and finishing up things on my credit I come to learn that there were a couple of companies that I honestly do not recognize as mine and do not know who they belong to. I sent a each one of them all certified letters that is a formal notice that their claim is disputed. I requested Verification of debt or any proof for that matter. They all sent me the same type of letter suggesting the debt was mine without any real proof. I diligently sent a second letter asking how did they come about with that fallacious claim and by what method did they use to verify the debt or accounts being claimed in my name. They again failed to do this after 60 days of sending letters. So I tried another way to see if XXXX XXXX XXXX  or XXXX could help me look into the matter. I am humbly shocked to see that they are claiming this is mine without proof. I later learned that not having my signature binding me to any type of contractual agreement to pay them is in fact a violation. So Here it is XX/XX/2019. I am willing to take them into court for this however I am a humble somewhat modest individual who simply is seeking help from you guys now. 

Company 1 : XXXX XXXX XXXX saying I owe {$130.00} Account number XXXX**** XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Company 2 : Bay Area Credit Service saying I owe {$860.00} Account number XXXX**** BAY AREA CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Payday loan, title loan, or personal loan

I was alerted to a new account on my credit report which I did not open. I reported the fraudulent account to the company and no action has been taken to close the account and remove it from my credit report. My credit monitoring says a new account was opened at Kikoff Lending on XX/XX/2022. I received the alert for the new account on XX/XX/2022. I contacted Kikoff customer support on XX/XX/2022. Kikoff customer support asked me to fill out an affidavit relating to the fraud. No action has been taken since. I have not been updated on the progress of the investigation and nothing has been said about freezing or closing the account.