23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Altering of my original loan contract set up which is a sign contract that is being altered against my wishes with it 's biweekly payment with Ditech Financial LLC who purchased it from Green Tree who got it from other lenders! 

acc # XXXX with them The contract that Ditech purchased was set up with a biweekly contract which is now trying to be altered. If my thought is correct it is against the law to alter the signed contract of a loan. If you can show me how it is legal then I would appreciate the evidence. Also we went through this before when Green Tree had switched over. They did n't even offer biweekly but ended up honoring it in the end. Now Ditech says it is not what they will do any longer for it. Please advise quickly. Sorry for any errors or confusing statements, because I am still on a 1 hr+ call with them bouncing from department to department and no one has a clue why I was sent to them. " No one can handle the situation just mail a letter and hope we receive it to help '' Thank you in advance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT XXXX  XXXX HAS ELECTED TO SUPRESS MY CREDIT FILES AS DEAD SINCE XX/XX/2015. IN VIOLATION OF F.C.R.A. 15 U.S.C. Section 1681g, FACT-ACT AND THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. ( XXXX  REFUSING TO ANSWER CFPB 623 TIMES.

THE FOLLOWING FURNISHERS OF XXXX  DATA ARE PROBILTED TO PULL MY CREDIT FILES FOR ANYONE.WE WILL BE FILING A XXXX XXXX DOLLAR PUNITIVE CLASS ACTION LITIGATION LISTING, FACTUAL DATA, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX..AND 68 ACCOUNTS AND PUBLIC RECORDS CURRENTLY REPORTING ON XXXX  XXXX.
Product: Debt collection

This complaint is against Specialized Loan Servicing, SLS, this is what is going on : We have paid this debt in full, and have actually overpaid them at this time. They continue to send us letters stating that we owe more money, even outrageous amounts of money that we never even owed. They will not settle the debt or close our accounts, we have made all payments, and I will show a breakdown of all payments below. 

If you look up Specialized Loan Servicing on XXXX, and on the XXXX XXXX XXXX, you will find many complaints against them that are the same as ours. 

We have all of our bank statements, and the statements from SLS, that show what our debt was, and what we have paid. We have paid them in full, the total starting balance of the debt was, {$39000.00}. XXXX made two large payments to them after they began threatening to foreclose on our home. This has been going on since last XXXX XXXX. 

Here is a breakdown of the debt and the payments we have made : ( I will also attach documents to prove this ) Original date - XX/XX/XXXX - amount owed to SLS - {$39000.00} First payment - XX/XX/XXXX - amount payed - {$17000.00} Second payment - XX/XX/XXXX - amount payed - {$7000.00} Third payment - XX/XX/XXXX - amount payed - {$1200.00} Fourth payment - XX/XX/XXXX - amount payed - {$660.00} Fifth payment - XX/XX/XXXX - amount payed - {$660.00} Sixth payment - XX/XX/XXXX - amount payed - {$5000.00} Seventh payment - XX/XX/XXXX - amount payed - {$9100.00} Eighth payment - XX/XX/XXXX - amount payed - {$200.00} Ninth payment - XX/XX/XXXX - amount payed - {$510.00} Tenth payment - XX/XX/XXXX - amount payed - {$85.00} Eleventh payment - XX/XX/XXXX - amount payed - {$56.00} So, when you add up all of our payments - we have now paid Specialized Loan Servicing - {$42000.00} - more than the debt originally owed. 

Please see the attached documents below, from our bank - XXXX  XXXX XXXX - and from the XXXX  and of course SLS. 

Thank you for your help with this matter. Please contact me if you have any questions or need more information. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I enrolled at XXXX XXXX XXXX in XX/XX/XXXX, and didn't qualify for financial aid and had to apply for a private loan. I wasn't accepted into the school anymore and had to start making payments on the loan. I initially started making payments in XX/XX/XXXX while XXXX in XXXX and stopped due to financial problems. And then the harassments started. I spoke to financial counselor about the situation of XXXX XXXX calling me throughout the day, leaving voicemails, texting me, and threatening to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There is a new credit reporting company now called Sage Stream, LLC based in XXXX XXXX, CA. The company offers no online dispute and wants information that they should not need to get a credit report. You have to mail them the following. Please provide the following information to request your consumer report : 1. A written request with signature that includes the following information : First name, middle name, last name, suffix ( if applicable ) Current address including ZIP code Current phone number with area code Social Security number Date of birth ( month, date and year ) 2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1 : Current state-issued drivers license or other current Government issued identification ( such as a passport ) Recent cable, utility or phone statement, produced 60 days ago or less Social Security card Birth certificate U.S. passport picture page Alien registration card Voided personal check with your current preprinted address None of the other credit reporting agencies need information to this extreme. I have never heard of these people so i am not sending everything from my whole life to them to get a credit report.
Product: Checking or savings account

Wells Fargo was charging my account every month for fees that I didn't agree to after they switched the type of checking account I signed up for without my signature or request.
Product: Credit card

I received a letter from Synchrony Bank telling me that they reviewed my account and due to XXXX returned payments, they were closing my account to further purchases. On XXXX XXXX, XXXX, I scheduled a payment not realizing that it was scheduled to be debited from a checking account that is closed. When it returned, I called Customer Service to find out and they told me. I asked them if there was a way to remove the checking account from my profile and the representative told me no there was n't. So, that checking account will remain under my profile until I pay the card off. On XXXX XXXX, XXXX, I scheduled a payment to be debited on XXXX XXXX, XXXX. I got my direct deposit on XXXX XXXX, XXXX and made XXXX payments to other creditors and I had planned to make a deposit into the account by the XXXX on the XXXX. I was n't worried about the Walmart payment because it should n't process until after midnight on the XXXX and the funds would be deducted a business day or XXXX later. Well, that is not what happened. I checked my back account later that day to find out that Synchrony tried to process the payment that morning, well before the processing would normally occur. I was charged a non-sufficient fund fee with my bank, which they credited back to me as a courtesy because they were confused how the servicer could do that. My bank was not sure if the Synchrony would attempt to debit the account twice for the Walmart payment. So, I used my bank 's bill pay service and sent a replacement payment by XXXX XXXX. I never got another message from Synchrony or Walmart about my payment being returned for the second time, so I figured everything was good. 
Now, almost a month later, I received the closed account letter and I called Synchrony. She told me that due to the XXXX NSF 's the system automatically closed the account. She said that the XXXX XXXX return was due to a closed account and that in XXXX XXXX, I had a payment return on XXXX XXXX and XXXX XXXX due to NSF 's. I told her I did n't know anything about the XXXX on the XXXX and I sent a replacement payment of {$54.00}. She put me on hold and came back a couple minutes later advising that she tried everything, but she could not reopen my account. I have been with them since XXXX and I am highly upset by this. I feel that the early processing of the XXXX XXXX payment should not have occurred. I was involved in a car accident on XXXX XXXX and as soon as I was able to, I went online and scheduled the payment to send through my bank trying to make the returned payment from XXXX XXXX right. I do n't handle my accounts in this fashion. This is not typical of me. I would like this issue to be reviewed by upper management.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed accounts, no reasonable procedure was performed it is a violation to my rights to claim that an accounts has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed accounts below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Debt collection

Received a call from central mediation services and was transferred to a case manager, verified my name but would not verify my social security number. They said they would go ahead with the suit for an amount over {$3000.00}, and then they hung up. They only called once so far and if they call again I will try and get more information. I think this was for a debt with XXXX XXXX XXXX, a debt I never had and even verified with them I never had a account with them
Product: Credit card

I was recently charged a {$98.00} fee by Bloomingdales for an original purchase of {$27.00} for shaving oil, due to the fact that I never received a bill. I moved XX/XX/XXXX, and although I filed a change of address with the post office, I never received a bill from Bloomingdales. However they charged me XXXX late fees even though I never received a phone call or bill. Today I checked my credit score and this bill was added to my credit as late payment. I have proof that I changed address and during this time I did receive Macy 's information, although nothing from Bloomingdales. I asked Bloomingdales to send me proof that they sent bills but have yet to receive any from Bloomingdales. The only other purchase I made with the Bloomingdales card was a leather jacket that cost over {$800.00}, and this balance was paid off with XXXX payments. Most interesting was that Bloomingdales did not even have the address that I moved from, so I find it hard to believe that they mailed me any invoices. 
I am very angry that this is now a negative mark on my credit for a small bill of only {$27.00}. I am not that silly to ruin my credit for such a small amount and would like Bloomingdales to be punished for their shady tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Transunion on numerous occasions about the accounts theyre reporting on my credit file. They seem to fell to supply me with the needed verification of theyre investigation and reinvestigation due to the fact of them not accurately and throughly conducting the proper investigation and reinvestigation. 

Outside of you guys forwarding my dispute letter to creditors how are you investigating the accuracy of the accounts in question? 

I last sent in dispute about accuracy of accounts XX/XX/2022 I have yet to get any response. 

It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this last attempt to have these errors corrected on my consumer report. 15 USC 168li ( A.5 ) says that after the reinvestigation all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated.
Product: Credit reporting or other personal consumer reports

I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS SAME ISSUE IN THE LAST THREE YEARS!!! I NEED THIS RESOLVED ASAP! Transunion continues to report this XXXX ADVERSE ACCOUNT as open and as a closed within the last 30 days They keep re-reporting it so every month my credit score drops 30-50 points!!! I can't keep living like this!!!! SOMETHING HELP ME OR WE WILL BE DRIVE TO XXXX!!!! XXXX CLOSED THIS ACCOUNT IN XX/XX/year> AND with the help of Transunion XXXX is HOLDING ME HOSTAGE BY CONTINUING TO REPORT THIS DEBT AS NEW AND THEN CLOSED WITHIN THE LAST 30 DAYS PLEASE STOP THEM FROM DOING THIS AS WE ARE BEING DRIVEN TO EXTREME POVERTY. MY SON HAS XXXX PLEASE HAVE MERCY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Checking or savings account

TO WHOM IT MAY CONCERN My name is XXXX XXXX. I am an entrepreneur the CEO of XXXX XXXX and currently a marketplace seller with Walmart. 

I hope this message finds you well. I am writing to formally express my frustration and concern regarding the recent closure of my personal accounts ( Checking ending is XXXX and savings account ) with Capital One and the withholding of my funds, nearly the {$25000.00} currently in limbo. 

I was shocked to discover that my accounts had been closed without prior notification or explanation. I have been a loyal customer, and I expect transparency and communication regarding any actions taken on my accounts. The inability to access my funds has placed me in a challenging financial situation, and I urgently need these resources released. 

I use my checking account ending in XXXX to receive my business income from Walmart which enters through XXXX for the past 6 months without any issue. Recently I applied for business cash advance to purchase inventory from " XXXX XXXX '' in the amount of {$11000.00} and received it on XX/XX/year>. I then placed an order and used my savings account to send Wire to XXXX where I always purchase inventory from my suppliers and CAPITAL ONE flagged my account and closed all my Checking and Savings account without prior communication. This has caused me serious inventory shortage and my Walmart seller performance went down which will result in suspension of my WALMART seller account. 

These funds are my income and I can not pay my rent and bills which will result me from being evicted by my landlord. Also warehouse rents are also due which will result in eviction in the next 15 days. 

I am attaching the following documents : 1. Proof of business ownership XXXX Articles of organization - XXXX XXXX 2. Walmart XXXX XXXX account screenshots to show I, XXXX XXXX is the owner of Walmart seller account. 
3. Proof of all the funds income from Walmart that was deposited in XXXX. 
4. XXXX Statement showing all of my income that was transferred to my checking account ending in XXXX 5. Prood of contract from XXXX XXXX showing the cash advance received from cash advance. 
6. Proof of Identity - Driver License 7. Proof of business address- Lease contract 8. Proof of Supplier invoice which was used to make payment through Wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

They say credit file is to thin or not scoreable. 
I'm retired I've worked all my life. The information they are using is not reliable and perhaps not updated. I read that during the pandemic and after ; the information they were using was not accurate for credit reporting and credit score. 

At my age, you are not constantly buying or making many big purchases. 
I am trying to rent a apartment and I am constantly denied. 
Back in 2018, the apartment complex I was living in said I did not give 60 day notice. 
I told them I would not be renewing lease due to my XXXX XXXX problem and then I moved out without sign lease. 
And after moving I was able to find apartment within days. 
Then they kept sending me letters saying I had a balance and they put this on my credit report.And now I'm constantly not being able to rent an apartment
Product: Checking or savings account

On XX/XX/2020 unauthorized with draw and transaction was made on my Alabama vantage card by way2go program .I did not do none of the transaction. On my card .it was stolen.
Product: Credit reporting or other personal consumer reports

Please delete this fraudulent account and inquiry from my credit report. I have included the identity theft report. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

on XX/XX/XXXX, I was pressured into a predatory auto loan through Santander Consumer USA. They have mishandled the auto loan and are using unethical and illegal practices. They have used risk based pricing and are loan churning. I am being harassed with multiple telephone calls throughout the day and evening. The loan was XXXX at 23.43 % with 71 payments. To date, I have paid XXXX and Santander is alleging that I still owe XXXX. My maturity date is XX/XX/XXXX. This is not accurate. I am challenging the validity of Local, State and Federal Laws. Please see attached documentation that shows inconsistencies with payments and account information.
Product: Debt or credit management

I have been attempting to contact XXXX XXXX XXXX to cancel or end services. Nothing has been done on my behalf from this company, per my signed agreement, and I am now facing a lawsuit from my original debtor. 

I have personally settled with XXXX of my credit card companies with no help from XXXX XXXX XXXX. 

I have tried calling multiple time, on different days and times and have been unable to reach anyone. The phone line sounds busy and the call is disconnected. 

I sent emails and have only been told to contact XXXX XXXX via telephone, which they do not answer. 

I have recently sent certified mail and received it back with mention that the business does not exists at that address. 

At this point, I just want my money back and to stoop paying for something that is of no use to me.
Product: Credit reporting

I 'm filing this complaint because TRANSUNION has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00XXXX XXXX XXXXXXXX Balance : {$44000.00} Medical XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A Written Appeal to the SPS ( Select Portfolio Servicing , Inc ), Trial Mod offered to Acc # XXXX was submitted and received several times by SPS on the following dates : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and finally XX/XX/2019. 
Included in this document is the Right to Appeal, in which an error by SPS on the Comps of the  XXXX XXXX Subdivision versus the XXXX XXXX XXXX XXXX Subdivision. There is a {$700.00} per month to {$800.00} per month increase difference in property value. That is a 45K-100K upgrade property difference between XXXX XXXX XXXX XXXX Sub division and XXXX XXXX XXXX Sub division. SPS Hardships forms were submitted on XX/XX/2019. The Trial Modification Plan amount was XXXX. The currents payment was XXXX. That was a Payment increase of {$190.00} per Month on the Loan Modification amount. The Modification is intended to help American but the payment increased. Corrected Comps and a Right to Appeal in The XXXX XXXX Subdivision and Arkansas XXXX County City Property Card for Parcel XXXX Loan # XXXX were submitted again on XX/XX/2019. The Error is Comps on a higher price Subdivision like XXXX XXXX XXXX XXXX XXXX Subdivision versus the XXXX XXXX Subdivision in which SPS took. Also enclosed is the State of Arkansas property value of XXXX XXXX XXXX XXXX Ar XXXX in the XXXX XXXX Subdivision and Comp for the  Subdivision. Consider this Right to Appeal document submitted on the XX/XX/2019. Finally income change state of Arkansas Garnishment XX/XX/2019 ( See addition forms enclosed in this Right to Appeal Document ). Also, Information concerning my mortgage insurance was submitted to you, as well as the bankruptcy Court but SPS continued to charge for Escrow ( Taxes and Insurance ) {$400.00} and now {$1100.00}. You have yet to respond in writing to our documents. This information and all documents are being forwarded to CFPB, XXXX, Ark State Regulatory Board, XXXX XXXX Ark Attorney General, HUD, and  the Federal Reserve, and Legal action pending the outcome.
Product: Credit card or prepaid card

I JUST PULLED MY CREDIT AND IT SEEMS THAT CAPITAL ONE IS REPORTING AN INCORRECT BALANCE TO XXXX. 

THE BALANCE AS OF XXXX ON MY TWO CAPITAL ONE ACCOUNTS WAS XXXX AS I PAID THEM OFF IN FULL IN XXXX. 

THEY ARE REPORTING A BALANCE OF {$3100.00} AND {$2500.00} TO XXXX  MY ACCOUNTS ARE XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I NEED THIS INFORMATION CORRECTED IMMEDIATELY. I AM MONITORING MY CREDIT VERY CLOSELY SO BE ADVISED THAT YOU ARE HEREBY ON NOTICE FOR VIOLATING MY FCRA RIGHTS BY REPORTING AN INCORRECT BALANCE TO XXXX
Product: Credit reporting or other personal consumer reports

The creditor contacted me through a third party, and the amount they claim I owe keeps changing. I dispute this debt, as I do not owe the stated amount. Additionally, they are harassing me and have improperly reported this to my credit report.