23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Specialized Loan Servicing is currently attempting to commit fraud against me concerning my mortgage. On XX/XX/2019, following an appeal for loan modification, Specialized Loan Servicing extended a modification offer to me for my property located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX with the stipulation of timely making 3 modified monthly trial payments beginning XX/XX/2019 with 2 additional payments due on the XXXX  of XXXX and XX/XX/XXXX, which I have now officially and properly complied with. 

Following the written procedures in the trial period modification plan agreement offered to me by Specialized Loan Servicing LLC, I submitted my 1st trial payment timely to the address specified in the amount and form requested according to the agreement. However, the payment was improperly returned to me. After contacting Specialized Loan Services by e-mail to notify them of the error, I then sent a double payment on XX/XX/2019 to cover the XX/XX/XXXX payment that was improperly returned. To my further dismay, the double payment sent timely to the designated address in the proper amount and form according to the trial period modification plan agreement for the 2nd trial payment due XX/XX/2019 was also refunded within 5 days of submitting it. I once again, immediately contacted SLS by fax this time to notify them of the error. Now, a 4th payment that was also properly and timely made that was due on XX/XX/2019 has improperly been returned. 

I accepted the terms of the trial period modification plan when I submitted the 1st trial payment appropriately in compliance with the terms of the agreement which definitely do not include a requirement for funds in the form of a certified check contrary to what one of Specialized Loan Services ' representative attempted to tell me. I do have a copy of the proposed trial modification plan I entered into and nowhere is that a stipulation. They may not retroactively change the terms of the agreement once it has been entered into and payments are being made as requested. As of the date of this letter, I have officially and properly completed the terms of the trial modification period, so the modification must be made permanent. However, Specialized Loan Services is not complying with the modification agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letter to Equifax, XXXX, and XXXX was dated XX/XX/2021, and my second letter was dated XX/XX/2021. As of today, I still haven't received any response to either letter. 

XX/XX/XXXX, the letter was about the inquiries, and XX/XX/XXXX, the letter was about verifying the bankruptcies on my credit file. Nothing has been addressed by any of the companies.
Product: Checking or savings account

so capital one bank on XX/XX/2023 i deposited my XXXX check, then on XX/XX/XXXX the funds were taken from my account i never received a notice anything. i called the bank and, the first story they told me was that a check was written from my account for that amount i informed them that i do have checks, they said the funds would go back to my account. weeks go by no response from them. i called back and was told that someone attempted to cash the check at another location " XXXX XXXX '' i called XXXX  they informed me of my identity being stolen and that they didn't receive the funds, but send me a letter stating they caught the fraud and i was not liable. i also called the issuer of the check and they said that the check was cash and paid out to my bank capital one. capital one informed me that they were holding the funds until they complete investigation which takes XXXX  days. never got a response called XXXX different times no response never got a notice anything its been XXXX monts now. by them taking this money out of my account it overdrawn by {$900.00} and after XXXX  days overdrawn they closed my account. investigation was never completed never responded to. and my money is just gone.
Product: Debt collection

I received an email from HR stating that a letter had been delivered to my job. I had no idea who'd sent it as my job is not listed under my mailing address. When I get there, it is from First Credit Services. I never gave them or XXXX XXXX information about my place of employment due to protection reasons.
Product: Credit reporting or other personal consumer reports

I Became a victim of identity theft who ever stole my identity opened up these fraudulent accounts. 

XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX  opened XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been unable to resolve my issues with COMENITY BANK/COMENITY CAPITAL BANK and due to my unsuccessful attempts to have all my accounts held by both COMENITY BANK and COMENITY CAPITAL BANK closed, I am submitting a formal request to have all accounts associated with my social security number to be closed upon receipt of this complaint. I have submitted a previous request for immediate account closures for any accounts serviced by either COMENITY BANK or COMENITY CAPITAL BANK that no action has been taken on as of yet. This is a follow up to that request mailed to Comenity Bank XXXX XXXX XXXX, XXXX, Ohio XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have no connection to these inquiries or the creditors mentioned. I urgently ask that they be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Need to file against 2 companies for incorrect information on credit report XXXX XXXX, To date they have not report the account paid in full which was done of XX/XX/2022. 2. I have a letter stating they closed the account and was going to reported it closed and turn over as a collection account. I spoke to them and ask that they change it by disputing it with them and they said it would take 30 days back on XX/XX/2022 still not correct or showing paid in full as of XX/XX/2022 Second company is XXXX XXXX XXXX card for XXXX 'XXXX XXXX XXXX XXXX : I have several message back and forth with them wanting to know why they closed by account and reported it to the credit reports. This account was also paid in full on XX/XX/2022. They are telling me that prior to payoff amount that they had a return check from XXXX XXXX XXXX so that's why they closed my account. I have asked for proof and they will not supply it and won't dispute the account and correct it as they were asked.
Product: Credit card

This is a complaint about an unsuspected credit card " convenience fee '' imposed by a local retail store, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, PA XXXX. The credit receipt showed a total of {$42.00}. My just received XXXX XXXX XXXX XXXX by Citi monthly statement showed a charge of {$43.00}. 

The difference, {$1.00}, upon closer examination of the receipt is due to a " 4 % Credit Card Convenience Fee for all Credit/Debit Card Payments '' .

Here are the details, which will prove the store 's 4 % surcharge incorporates the sales tax charge not just 4 % of the sub-total. 
Sub Total : {$38.00} Tax : XXXX XXXX : {$42.00} Thank you for the work you do to protect consumers against these added fees. 
Additional documentation is available should you request it. You can reach me at XXXX or via email.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX Balance Owed : XXXX
Product: Checking or savings account

-- Original Message -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Subject : NEED YOUR HELP/ XXXX XXXX ignored my email TO XXXX XXXXCHIEF OF STAFF If you recall i sent you an email concerning your wire transfer department never sent me an notice that a wire transfer of {$8000.00} dollars was sent from my checking account on XX/XX/XXXX. 
I am XXXX XXXX XXXX, living off my Social Security. I have been in constant contact XXXX XXXX ext XXXX Case # XXXX XXXXXXXX She was very courteous but she not the person that can help retrieve my {$8000.00}. I have been a CHASE CLIENT SINCE XXXX. My checking account # XXXX. 
I am not one who resorts to ATTORNEY 'S. If I institute any legal action for {$8000.00}, bring it to trial I feel that any Jury would award an XXXX XXXX XXXX many PUNITIVE DAMAGES WHICH WOULD BE MORE THAN XXXX 
HOPING YOU CAN HELP SETTLE THIS MATTER. AS MENTIONED I REPORTED THE CASE TO THE FBI CYBER DIVISION. 
XXXX XXXX  XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Hello, I am a XXXX XXXX XXXX that has my XXXX XXXX XXXX My primary bank was XXXX but I decided to close my XXXX and move on to Chime since I heard great stuff about them. I received a direct deposit on Chime for {$500.00}. Prior to receiving this deposit I already had $ XXXX dollars in my account from transferring my balance from cashapp. I got hit with a false chargeback causing a payment reversal on my chime. A day later I get a email from Chime saying my account is closed effective immediately and that I wont be receiving MY money that I earned. I got on phone with customer support. I messaged them on XXXX, XXXX XXXX XXXX and got no response. XXXX not sure how to move forward at this point. That money is ALL that I have. I live alone and thats what I use to pay rent, feed myself and pay my school fees. I have no one to depend on. I am basically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Mortgage

I have a mortgage in Selene Finance, my account is # XXXX. 
A part of my monthly payment is an amount intended to be accumulated on escrow account. This means that Selene Finance collects my money so to pay property taxes behalf on me. 

On XX/XX/XXXX I discovered that my property taxes for XXXX and XXXX haven't been paid by Selene Finanace. It's not a deadline for XXXX tax, but they missed the time when it could be paid at a lowest rate. 

I made a call to Selene Finance on XX/XX/XXXX and informed them about this situation. A person in call center confirmed, that the amount collected on my escrow account is sufficient to pay taxes, but, he said, " for some reason disbursement never was done ''. He said that he's going to initiate investigation which can take up to 10 business days. I waited 10 business days and called them again. They said they still working on it, I have to wait more and they will let me know upon completion of the investigation process.

I said I disagree with it and required to transfer my call to supervisor. However, he was not available to respond. They scheduled call back within next 24 hours but nobody called me.

I absolutely sure that 2 weeks is absolutely enough to solve this problem. 
There are very simple facts for their consideration. They collected my money for specific purposes ( to pay my taxes ) and they did not pay my taxes. It looks like they misuse my money. 

I feel they absolutely no rush to solve this problem.
Product: Credit reporting or other personal consumer reports

I have been disputing items on my credit file for over 6 months now and have not got a solution. The CREDIT BUREAU, does not acknowledge the government issued identity theft report I sent in over 3 times for the same accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ALSO XXXX XXXX XXXX DOES BUSINESS UNDER NAME XXXX XXXX XXXX and this company will put debt on credit file after its been deleted under the opposite business name THIS CREDIT BUREAU has allowed this company to continually report to my credit report after I have informed them that this is not my item and it is identity theft. THIS CREDIT BUREAU HAS VIOLATED MY RIGHT FCRA USC 1681. 
THIS CREDIT BUREAU has not acknowledged my request to block these creditors, after repeated demands. 
THIS CREDIT BUREAU HAS VIOLATED MY RIGHTS ACCORDING TO FCRA, allowing knowingly false information to be tied to my credit file THIS CREDIT BUREAU DID NOT INVESTIGATE PROPERLY ONLY TOOK 2 days for dispute to complete
Product: Money transfer, virtual currency, or money service

I lent my vehicle to a third party and he got into an accident on XX/XX/XXXX, during which the vehicle was totaled. The insurance company wrote a check to myself and this third party for the total loss of my vehicle using the word " and '' in the amount of {$9500.00}. This third party had the check re-routed to his address and was able to deposit it into a Wells Fargo ATM without my endorsement on XX/XX/XXXX. 

I have spoken to numerous employees at Wells Fargo, both in branches, and on different customer service telephone numbers since XXXX of XXXX. I was re-directed more than 5 times and no one gave me an answer. I have sent numerous emails and visited branches several times over the past 18+ months. Most recently, a branch employee helped me open a case in XXXX. I received an automated email stating that they would get back to me within 10 business days. I heard nothing. I received similar automated emails pushing the date further out, yet with no response. Not one employee knew where to direct me to get this matter resolved, nor has anyone responded.
Product: Debt collection

I was contacted by Americollect concerning a small medical bill of {$160.00}. What they did not realize is that this was not my medical collection but my wifes medical collection. I paid for the collection and asked politely to have it removed from all three of my credit bureaus being XXXX, XXXX and XXXX. They have refused to do so. Again legally they have no right to attach a debt to my social security number or my credit report when it clearly is not mine.
Product: Debt collection

Company failed to properly communicate my rights as well as the account information. They never validated debt after request. I never received written report that they had an account from them. They sent to an address that was incorrect and refuse to remove this off my credit. Once they got in contact with me, I asked for a debt validation which I never received and I attempted to settle this to not have it on my credit. After I paid it they then reported to the credit bureau. They also reported it incorrect. XXXX XXXX never gave them the proper address and I have been at the same address for years. I have been in litigation with XXXX XXXX about my account balance so I took this opportunity to just pay a settled amount prior to it going on my credit. These people are very rude and unprofessional.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

Remove accounts reported i was in impacted by covid19 at the time and other accounts i dont recognized
Product: Mortgage

SaturdayXX/XX/XXXX woke up to 8 unauthorized monthly payments taken out of my account. Called Mr. Cooper multiple times and was either disconnected or advised to leave a call back. Even sent messages on face back. No one had gotten back to me at all and had to find out through XXXX there was even an issue.
Product: Credit card or prepaid card

XXXX blocks customers from retrieving their consumer data via thirds parties. XXXX XXXX is near impossible to use.