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

My name is not correct and too many old addressees that are not mine I have a letter attached to explain
Product: Credit card or prepaid card

I attempted to work with Synchrony Bank in the beginning of the pandemic XXXX for the lack of income during the Michigan shut down for XXXX months. The shutdown affected my small business, and asked for assistance during that time which was denied. The Cares Act was put in place for consumers not to be alienated by creditors during this unprecedented time in American history. In the end of XXXX they finally put me on a payment plan that I could sustain, due to loss revenue on my small business. They reported me to the credit bureau on this matter, and I am so upset with this, I should look into XXXX them over their lack of Cares Act response.
Product: Mortgage

Bayview Loan Servicing took over my mortgage in XXXX XXXX at the time I already had an APPROVED Load Modification agreement in place from XXXX XXXX ( previous mortgage company ) who sent me an agreement along w/trial payment schedule to commence on XXXX XXXX thru XXXX XXXX ( 3 mos ) at that same time I received a letter from Bayview ( never heard of company but looked up which had nothing but negative claims against the company ) therefore I thought the letter stating they were taking over my mortgage was a scam. I reached out to my contact at XXXX XXXX and they informed to start my loan modification trial period with Bayview who is taking over as of XXXX XXXX. We all had a 3-way email convo where XXXX XXXX warned Bayview that they have to legally honor the loan mod agreement that was already in place and I was to make 1st payment to Bayview on XXXX XXXX. I made the 3 trial payments not only on time but earlier then XXXX of each month and have the proof. I battled with Bayview since day one, from getting a responsible person to correspond with me, conflicting info, etc. I was given a Rep that I was to work strictly with whom never responded back to me but I STILL cont 'd to make monthly payments even after trial period, never missing a month. After threatening legal action, I received my long awaited loan modification agreement in mail that stated I successfully completed the trial period ( 4 months AFTER the trial period ). The loan modification agreement is beyond corrupt - the amount they are trying to increase my loan amount to, fluctuating rate so I reached out to my new Rep I was assigned to requesting some information on the agreement, to please provide proof of missed payments and how they come up with the amount of repayment owed on loan ( normal concerns before signing a legal agreement ) but again I am getting XXXX courtesy of a reply. The statements I receive each month are incorrect - I asked Bayview to explain where is all the money I have paid to date, over XXXX ( no reply again ). I am not sure how this company is able to stay in business legally on how corrupt it is, please assist me on retrieving a legal loan modification with them or retrieve my money back that they stole. I believe with all the complaints against this company an actual legal investigation and class suit action may need to take place.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX say the information is corrct and was updated by the reorting intentity but failed to provider me with how this information was properly verified the collection is fron XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry on Inquiry date : XX/XX/2021 from Discover FINANCIAL SERvice.
Product: Debt collection

I have sent several written letters to Southern Management Systems requesting that they validate or remove the debt on each of my credit reports. I haven't received any communications ( written or otherwise ) from this company to validate any debts. They continue to erroneously report false information that is causing a negative impact to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

All my derogatory marks were off my credit report one day i answered the phone it was a debt collector has to be over 2 1/2 years ago. It probably was an XXXX visit. well all of sudden it 's back on my credit report XXXX derogatory marks and they say the date was XXXX 2016. I do n't have any new debts in over 2 1/2 years. what should I do about this?
Product: Debt collection

First Direct Mediation contacted me on the behalf of XXXX XXXX XXXX. He told us that the debt collection agency that had it tried to contact us for almost a year. We havent received a letter. We were in the process of getting XXXX XXXX added to a XXXX plan. We are trying to get back on track. 2020 really hurt us. We wanted to try a XXXX plan before bankruptcy. I informed him of that. He then told me XXXX XXXX was going after us for theft by deception, fraud, etc. when that is not true. We had loans with them and paid them off several times. We just got stuck in hard times during covid and pay reduction. But like I said. We wanted to do a XXXX and pay our debt back. He told me that it didnt matter that even if I filed bankruptcy the debt could not be discharged which I was told is completely false. So I canceled adding them to my XXXX and set up a high amount payment plan with them. I feel like he tried to scare me into setting up a plan with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX DOB XX/XX/year> SSN # XXXX According to XXXX XXXX XXXX all information should be reported accurate and I have incorrect addresses being reported on my credit report. 

I do not live at XXXX XXXX XXXX or unit T XXXX IN XXXX and it does not belong to me it shouldn't be reflecting or reporting on my credit this is fraudulent information the all the address that should be reporting if any is the address listed above XXXX XXXX XXXX XXXX XXXX .... Also I would like to address the correct spelling for pronunciation of my name it's XXXX XXXX XXXX, the only way it should display on my credit report not XXXX XXXX correct and update immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

someone use my identity and open auto loan, auto insurance, credit card and cable service I am a victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. Here, as follows are items in error : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. 

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via XXXX XXXX XXXX XXXX along with an online public press release, including documentation of any potential small claims action.
Product: Student loan

I was attending XXXX University and taking online classes and before I completed my degree I ran out of financial aid. I am certain, when I read how much financial aid I had it said life time.. anyway they wanted me to start paying them out of pocket.. If I could do that I would not be on financial aid..I was almost done when this happened ..They had sent me an email that My next payment was XXXX dollars.. I was so close on finishing.. but because I couldnt pay I just quit being that I was so discouraged. How was I suppose to come up with that amount..I need to get access to my history on all my classes that were payed, at times I saw that I was being charged twice or three times for a class. This University was put on probation during the time I attended.
Product: Mortgage

XX/XX/1920 - I apply for and receive a {$1000.00} loan from XXXX XXXX who state my credit score is XXXX. A week earlier, WELLS FARGO BANK refused to refinance my home, stating my credit score is XXXX and below the XXXX credit score they require. I asked WELLS FARGO BANK to reconsider their decision, but they refused to. At WELLS FARGO BANK in XXXX XXXX, WA, I applied to refinance my home and was shown the terms of that refinance.
Product: Credit card or prepaid card

I received the Netspend All-access debit card which I never applied before. Card number, valid-through date, cvv, and my name are on the card. Even account number and routing number are on the welcome letter. I called the customer service of Netspend, they admitted that I didn't apply for the card and that I would have a new account once I activated the card. It's so tricky that they sent the card which are identical to the genuine debit card yhen they can chage fees after people who don't know the trick and activate the card. My personal information is also leaked.
Product: Mortgage

XXXX was purchased for a new home purchase on XXXX/XXXX/XXXX form XXXX XXXX XXXX.On XXXX/XXXX/XXXX an inspection was conducted and I received notice on XXXX/XXXX/XXXX that the water heater needed to be replaced due to its age and location, as well as, a missing shut off valve in the guest bathroom.I contacted the customer service dept and explained that the water heater was inspected in XXXX and was in very good condition and the work being requested was significant and costly, and wasnt financially feesible at the time. I was told that the policy would not be cancelled, however, not renewed, if the work was n't completed by that time of renewal. This information was incorrect, I received notice that the work needed to be completed by XXXX/XXXX/XXXX. I then recieved a cancellation notice on XXXX/XXXX/XXXX stating that the policy was being cancelled on XXXX/XXXX/XXXX. Upon binding the policy with XXXX XXXX XXXX on XXXX/XXXX/XXXX, a home inspection report was sent to them for review and the information regarding both water heater and shut off valve was clearly indicated on it and they chose to bind the policy. As a result the coverage lapsed and I was not able to obtain coverage immediately, due to high cost of premiums from other carriers and lack of sufficient finances. On XXXX/XXXX/XXXX I was able to obtain a new policy, however, Pacific Union Financial which is the morgage lender sent a notice on XXXX/XXXX/XXXX that they woud be assessing a {$2700.00} forced insurance policy for the time period of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called Pacific Union Financial on XXXX/XXXX/XXXX to obtain clarification and was told that unless I provide proof of insurance this amount woud be added to my mortgage. I explained to them that I was in disagreement with this because this lapse occured in the past and the home was currently insured. I asked for them to justify placing insurance on the home to cover the past and the nature of the risk being assumed for this period of time, which had already past. I was told that it was thier policy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : List Name of the accounts with late payments along with their account numbers. XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Your companys is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  has reported my account by XXXX/XXXX  as 30 days late for XX/XX/2020. The payment was made in XXXX so my account is not late. Included with this report is proof that the XXXX payment was made.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX - XXXX XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> Name : XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Previous XXXX ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX AND Employers : XXXX XXXX XXXX
Product: Checking or savings account

The account showed I have money in my checking account and would allow transactions to go through and then I would get multiple overdrafts when I would only spend the amount it showed available.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXKikoff Lending LLC*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to notify you that I am a victim of identity theft, and my personal information was used fraudulently to open the above-referenced account with Kikoff Lending LLC. I did not authorize this account and request that it be closed immediately. Furthermore, I request that all charges on this account be absolved and that you take all necessary steps to remove any related information from my credit files. 

Enclosed are my Identity Theft Report and a copy of my credit report indicating the fraudulent items related to Kikoff Lending LLC. I have also included the CFPBs Notice to Furnishers of Information, which outlines your responsibilities as an information furnisher under the Fair Credit Reporting Act ( FCRA ). As a furnisher, upon receipt of my Identity Theft Report, you are required to cease furnishing this information to any credit reporting agency ( CRA ) and take appropriate steps to rectify the situation. 

Please investigate this matter, close the account, absolve me of all charges, and confirm in writing the actions you have taken. Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ** - Identity Theft Report - Copy of Credit Report - CFPBs Notice to Furnishers of Information [ PDF ] --
Product: Student loan

On XX/XX/XXXX, I submitted a student loan refinance application to Social Finance ( SoFi ) after receiving numerous prequalified notices/promotions. The refinance amount is {$65000.00}. 

I am a current federal employee, making $ XXXX annually, and have worked part-time at XXXX XXXX 25-30 hours a week for six months, equivalent to $ XXXX annually. I have a XXXX credit score. 

They denied my application because I can not provide proof of having worked two jobs for a minimum of two years, thus they disqualified my part-time income for consideration in approving my refinance. I spoke on the phone with two separate people at SoFi, one being a customer service representative, and another being the office of the CEO. 

I can not overstate how ridiculous, overburdensome, and income-based discriminatory these qualifications are. I AM ONE YEAR OUT OF XXXX XXXX. How on earth would I have proof of two years working two jobs. Second, income is income. I have provided sufficient documentation to verify my part time income, which is being scrutinized for how and where it is earned. This is clearly a biased financing practice and should not be condoned. Third, the fact that I have to work two jobs as a government employee just to afford student loans to get a job that REQUIRED A XXXX XXXX, should speak volumes and should not be used to disclude me from access to affordable refinancing options that I am overqualified for given my history and income. I should not be required to provide a co-signer when I have no red marks to my name.
Product: Consumer Loan

Synchrony Bank refuses to increase credit limit on my Care Credit Account. They have no basis for their denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and experian have inquiries on my credit report. that are not mine. 
INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, amount of {$9500.00} 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX, XXXX of {$80.00}, XXXX XXXX XXXX, Account # XXXX, amount of {$1100.00}, XXXX XXXX. XXXX XXXX XXXX, Account # XXXX, XXXX of {$380.00}, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

In 2019 I became delinquent on my mortgage payments, about 3-4 payments in default. My mortgage lender, Shellpoint Mortgage, offered me a loan modification that would take my delinquent payments that were due and add them to the rears. I was assigned a mortgage assistant name XXXX XXXX to assist me in getting the loan modification. My wife and I sent in the application and all the required info. We were preapproved and were waiting for final approval. XXXX XXXX indicated to us that everything would be okay and we would ne approved. One month later we were denied and Shellpoint immediately filed for foreclosure. We filed for XXXX  XXXX to avoid foreclosure. We began making monthly payments to the bankruptcy trustee an Shellpoint Mortgage again. I was later informed by Shellpoint that because I was in bankruptcy they were no longer trying to collect a debt via monthly payments. We discontinued making mortgage payments but continued making bankruptcy payments to the trustee. Months later my bankruptcy payments increased and the atty advised me to cancel and refill for XXXX  XXXX. Shellpoint then notified me and my atty  I was 17 payments behind and again filed for foreclosure. I refiled again for XXXX  XXXX to avoid foreclosure. My mortgage loan balance went from {$170000.00} to {$210000.00}. I applied again for loan modification as per by Atty  advice to lower my monthly bankruptcy trustee payments. Again I sent all required documents and application to Shellpoint Mortgage, months ago. Theyre intentionally not responding to my application and keep asking for information Ive already sent them. They weeks to respond and by that time everything I sent them needs updating. I tried finding another lender but Shellpoint is reporting to the credit bureaus that Im in foreclure. I need your help
Product: Debt collection

I received a call on .y work number from. An XXXX who bullied a rep to transfer her to me. I am not allowed personal calls at work. I have never heard of Sentry Credit Inc. I have no business to my knowledge with them. The rep XXXX didn't want to respect my request to not contact me at work. She continued to try to keep me on the phone. I advised XXXX I had no clue who she was & my work number can not be called. The number she called from is XXXX. This company can cost me my job by calling me at work.