23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Specialized Loan Servicing CHARGED OFF our second mortgage XX/XX/2008. We did not receive Tax form 1099-C. Now that the home has built equity SPECIALIZED LOAN SERVICING is requesting an inflated amount to be paid. How can a mortgage company request payment for a charged off debt? Is this legal the tax incentives were provided on this money? Is this company targeting my household due to RACE and location of my home XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery, has filed a lawsuit regarding balance due from original creditor. I attempted to rectify with original creditor due to loss of wages but original creditor would not except and therefore sent me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up of complaint XXXX which was not resolved. 

A credit card was fraudulently opened in my name on XXXX XXXX with XXXXXXXX XXXX for a XXXX XXXX account. This investigation concluded on XX/XX/XXXX with XXXX XXXX concluding it was a fraudulent account and notifying the credit bureaus ( see attached documentation ). 

TransUnion is refusing to remove the account from my record and is causing issues with my mortgage.
Product: Money transfer, virtual currency, or money service

MONEY WAS WIRED TO XXXX XXXX ON XX/XX/21 AT XXXX XXXX FOR XXXX XXXX TO PERFORM A REHAB ON MY PROPERTY XXXX XXXX XXXX XXXX LOCATED IN XXXX, MICHIGAN BASED ON HIS SCOP OF WORK.I MADE 2 DIFFERENT WIRE. FOR WIRE TRANSACTION WAS FOR THE AMOUNT OF {$20000.00}. XXXX WAS SUPOSE TO ORDER MATERIAL WITH THE MONEY THAT WAS SEMT TO HIM. DUE TO THE BACK AND FORTH HE WAS NEEDED. MORE MONEY SO HE CAN PAY FOR LABORS AND OTHER ITEMS HE LIED ABOUT.. SO AT THAT TIME MONEY WAS WIRED TO HIM FOR THE SECOND TIME FOR THE AMOUNT OF {$65000.00}. AFTER A MONTH ME AND MY BUSINESS PARTNER XXXX TOOK A TRIP TO XXXX TO LOOK AT THE WORK THAT WAS PERFORMED ON THE XXXX XXXX XXXX XXXX. WHEN WE ARIVED THERE WE NOTICE THAT NO SKILLED WORK THAT WAS STATED FROM XXXX XXXX THAT WILL BE DONE WAS NOT DONE.. THE ONLY ONLY THING THAT WAS DONE WAS WAS REMOVING THE SMALL AMOUNTS OF DEBRIS FROM BUILDING WHICH I COULD HAVE DONE THIS MYSELF WITH MY BUSINESS PARTNER. WE WERE HIGHLY UPSET WITH THIS PERFORMANCE. WE HAVE BEEN EXTREMELY LIED TO. ABOUT EVERYTHING. I REQUESTED FOR XXXX TO SHOW ME RECEIPTS FOR ALL THE MATERIALS HE CLAIMED HE PURCHASED FOR MY BUILDING AND HE COULD NOT PROVIDE THAT TO ME. ALSO XXXX SAID HE WAS LICENSE BUILDER AND WHEN I REQUEST FOR HIM TO PROVIDE ME HIS BUILDERS LICENSE HE SHOWED ME A FAKE BUILDERS LICENSE HE OR SOMEONE HE KNOWS MAY HAVE CREATED. NEXT THING HE DID ONCE I HAVE EXPOSED HIM ABOUT EVERYTHING HE HAS LIED ABOUT WAS STOP COMMUNICATING WITH ME AND MY BUSINESS PARTNER. HE STOP ANSWERING MY CALLS, TEXT MESSAGES AND EVERYTHING. XXXX XXXX WITH XXXX XXXX XXXX HAS DEFRAUDED ME AND MY BUSINESS PARTNER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lender name : Specialized Loan Servicing Repoted 30 days late for my XX/XX/XXXX payment of {$3900.00} I was seeking forgiveness of a late payment that occurred in XX/XX/XXXX. I'm asking for forgiveness because I was XXXX XXXX  in the latter part of XXXX into the first three weeks of XX/XX/XXXX. I had the XXXX XXXX. The fact that the XXXX XXXX  is borne out by this news article on Covid19. 

XXXX XXXX  XXXX " Health officials are working to figure out exactly how long COVID-19 has been in the XXXX XXXX. A new report suggests it could have been long before they started looking for it XXXX XXXX County 's Chief Executive Dr. XXXX XXXX suggests that COVID-19 could have been in the XXXX XXXX and circulating, since late XXXX in XXXX, according to the article in the XXXX  XXXX. '' During this period, I was XXXX XXXX and unable to make payments on my mortgage payment on time I was literally XXXX XXXX XXXX XXXX. It was not a purposeful and could not be avoided as I was XXXX and XXXX. As you will see from my file I was very consistent in the year prior to and months after my XXXX. 

I was asking that my credit file be updated reflect the forgiveness under the Covid 19 relief plans that my lender took advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX/XXXX.
Product: Credit card or prepaid card

O n 2 separate dates, Citibank denied reopening a MasterCard  credit. card that was closed.   They stated too long a period had elapsed and I would have to reapply  with s new  app. None of the contract statement states that reopening a card is not possible. My   XXXX   is  XXXX  and my  XXXX  is  XXXX  A.   The Bank rep told me it would take a week to 10 days to get a decision in the mail. The next morning I received a standard letter with generic terms of credit card app denial.     There is no reason or review being made in this decision.   This was my longest card duration of over 20 years.     AAdvantage Card  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , NJ  XXXX
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, this notification should not be charged. 

Items in question XXXX XXXX  XXXX XXXX XXXX XXXX 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

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$2900.00}
Product: Credit card or prepaid card

I am a victim of identity theft. All of my accounts were compromised and my email addresses and phone numbers. My social was compromised as well as my EIN number.I contacted Wella fargo to update information I was not successful in getting assistance with updating my information even though I stated over a recorded line that I was a victim of identity theft I was not assisted in changing my username or password.
Product: Credit reporting or other personal consumer reports

Delete State of mi child support in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( STATE OF MI CHILD SUPPORT ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX CREDIT CADRD NOXXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.
Product: Credit reporting or other personal consumer reports

These items are directly linked to my status as a victim of human trafficking and debt bondage. Their presence on my credit report is unjust and continues to cause further harm. As per federal law, the following reasons justify their immediate removal : XXXX XX/XX/XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

XXXX filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected. 


Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 5 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 Reported : XXXX XXXX, XXXX {$1000.00} Account name : # XXXX  XXXX ( Bank ) XX/XX/XXXX Account name : # XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$12000.00} Account name : # XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$4900.00}, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint regarding your companys failure to honor our settlement agreement. Despite making my agreed-upon payment on time, I have been unfairly penalized due to a processing delay caused by the federal holiday ( XXXX XXXX ). 

On agreement date, I authorized a direct debit payment of settled amount as per the terms of our settlement agreement. However, due to the bank holiday on XX/XX/year>, the transaction was processed on XX/XX/year>. This delay was beyond my control and should not constitute a breach of the agreement. Despite this, my account was debited, and I have been unfairly penalized.
Product: Credit card or prepaid card

APPLIED FOR A CREDIT CARD WITH BANCO POPULAR DE PUERTO RICO, REGION/DEPT, XXXX XXXX XXXX PR, XXXX XXXX XXXX, XXXX XXXX XXXX. TEL XXXX XXXX application # XXXX. APPLICATION WAS DENIED BECAUSE OF MY Age [ XXXX XXXX ] ONLY BECAUSE I WAS LATE PAYING A CREDIT CARD WITH XXXX ONLY TWICE BECAUSE I DID NOT RECEIVE THE PAPER STATEMENT. I AM NO GOOD WITH TECHNOLOGY AND NOW MY DAUGHTER REGISTERED THAT THE PAYMENT BE MADE AUTOMATICALLY FROM MY BANK ACCOUNT.
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 XXXX. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( 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. XXXX ( 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: Debt collection

I have never entered a contract with LVNV funding in my life. This company is reporting negative information on my credit report as if I have. They had a letter sent to me from a supposed " attorney '' attempting to get me to pay them money. I responded to them requesting they validate this alleged debt and they have not provided me what I requested only statements. This is my last attempt at a resolution before I sue LVNV, XXXX XXXX Bank, and this pretend attorney they have all now given my personal information to. XXXX XXXX charged off this alleged account and I never received a 1099-C for such. I'm holding every party accountable.
Product: Credit reporting

I would like for inaccurate person information be moved from my report. I would like for my report to be updated with the correct information
Product: Debt collection

I have reach out to all three credit bureau, also to Macys as well to dispute inaccuracies on my XXXX card with Macys. The account is closed, upon checking I see that this company has pulled my credit report on several occasions without my permission. The inccuracies of information has destoryed my credit tremendously. I'm requesting that this closed account be remove from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Sent money to the wrong person was told it was nothing they can do about it
Product: Money transfer, virtual currency, or money service

I have a situation where I was promised {$10000.00} by a XXXX trader on XXXX if I invested money on a website and later on they would double it for me but as the trader continued to send more money I was left at a point where I didnt want to so I decided to ask for my money back which was {$3800.00} and at that point the trader refused and continued to state that the only way I can get my money is if I send more so Im left at a point where I dont know what to do, I have further details about my situation attached in the documents I attached.
Product: Debt collection

Looked at credit report on XXXX XXXX XXXX it showed i had a debit in collections from Midland Credit Management whom i do not know. I clicked on that & it said the original creditor was XXXX XXXX XXXX  ( NEVER heard of ). It is a Balance of {$290.00} but i don't feel as this is my debt & should not have to pay for it.
Product: Mortgage

In XXXX my mortgage monthly payment increased dramatically, causing me a hardship which led to eventually not being able to afford a mortgage payment. XX/XX/XXXX, XXXX XXXX started a foreclosure process against me. Months later a different bank XXXX started to send me collection letters. Now, a company Seneca is requesting payment from me for my mortgage. In XXXX, I tried to do a loan modification with XXXX but it was denied. Then, in XX/XX/XXXX submitted XXXX other loan modifications which were denied without specific reason with XXXX. In XXXX XXXX, I submitted another application with Seneca but it was, again, denied for no reason, just day after the application was sent out. There is something wrong with the legality of this loan. Something tells me that this is a fraudulent loan.
Product: Mortgage

During a Chapter XXXX status ( XX/XX/XXXX-XX/XX/XXXX ) my mortgage company changed their name and address without notifying me or my attorney. Thus causing many of my mortgage payments to arrive late incurring fees, fines and penalties. Only after the discharge of my chapter XXXX, was I informed of the new name and address changes. Several telephone contacts failed to resolve this issue. They were unwilling to remove or forgive the unfair late fees, fines and penalties but offered to " ... spread out the outstanding balance over the remaining life of the mortgage or attached it at the end ... '' Before filing chapter XXXX, I was seldom late and after the discharge of my chapter XXXX I 've not been late. I 've received harassing telephone calls from my mortgage company requesting the " outstanding balance ... '' at least twice a week.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account number : XXXX
Product: Debt collection

XXXX XXXX, XXXX United Collections Bureau , Inc XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, sent me a letter trying to collect the unknown balance link to my XXXX XXXX credit card which is active open. 
When I called XXXX on the XXXX XXXX card XXXX around XXXX PM my cell transferred me to the United Collections Bureau above and confirmed the balance of XXXX with asking minimum due XXXX. 
I ask the one with the collections info about the transactions details he list them quick, but when I confirm that whenever I use this card I tried to pay within 30 days to escape the interest, and always paid off, I have proofs. He said my account is closed last year XXXX XXXX, while I see that my account id still open active, only not with the chip as It should be. So I said the recorded conversations via my cell phone is always under recorded by the government becasue I am still waiting for the investigation with help of the XXXX for the Fraud ID theft trying to make paper from the XXXX XXXX XXXX to ask me for XXXX XXXX, I did report all to the so they can help track down the guy, from XXXX XXXX. Then the collection guy said that my account is closed since XXXX XXXX? 
My ftc case reference number is XXXX
Product: Debt collection

I did n't receive a notice of right to dispute. I sent Contract Callers a letter over 30 days ago about this account and the original creditor information and have n't not received any information. Also, I wanted this collection agency provide proof that they have been given the right to collect the debt or they have purchased this debt. Per FCRA, I have the right to sue this collector for reporting negative information without validating and providing false information.If this account is not deleted I will file a lawsuit.
Product: Credit card or prepaid card

On XX/XX/2020 I received a call from my lender as I amtrying to purchase a home. XXXX advised me that I needed to pay off my capital one credit card. I called capital one on XX/XX/XXXX I was advised that they couldnt provide me with a payoff at that time because I had a XXXX dollar payment that had not posted so the woman couldnt give me a good pay off amount she advised me to call back on XX/XX/2020 I again called back I spoke with a woman not sure of her name she advised me the payment had posted and gave me a payoff of XXXX I advised her I would be calling back once the payment was made. I sent the XXXX XXXX  the same day called back spoke to a supervisor cant remember his name. He advised me that they did receive the payment but that he couldnt XXXX out my balance until the payment posted he advised me to check my app everyday until the balance was updated. On XX/XX/XXXX I called Capital one again because I seen that my balance was updated to - {$61.00}. I spoke with a lady she advised me that she seen my payment did post on XX/XX/XXXX that she could send me the letter that I needed to send to my lender at that time she sent me the letter via email she also advised me that I had a credit on my account because I over paid. On XX/XX/XXXX I received an email from capital one saying I had a balance of {$6.00} I called capital one again and spoke to a lady again and asked to speak to a supervisor his name is XXXX badge number XXXX he advised me that the pay off amount that I was given was a estimate and that they used the credit that I had of XXXX and that I owed them a balance of {$6.00} because the payment didnt post to the account on XX/XX/2020. I advised him that I have the letter showing that it did. The supervisor advised me that I owe this money because of interest on the account. I advised him that it was incorrect because I did everything they told me to and I paid the full balance I was told to. I also advised him that I would like to make a complaint he said there was no one higher the him I could speak with and that I would still owe the money he advised me that he will not be doing anything about this. So In a matter of one day I had almost a 70 balance of interested on a card that I paid off.
Product: Student loan

I am showing as XX/XX/XXXX and XX/XX/XXXX. If I was in a bankruptcy XX/XX/XXXX to XXXX XXXX I should have not been reported. Navient is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan and they told me that they couldn't approve me at the time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX. I am doing this on my own and I have reached out to the FTC and to my local police department.
Product: Mortgage

Caliber home loans is charging me a fee of {$5.00} every time my current refinancing company is requesting information about my mortgage to them to be sent over via fax. Not needed to say but I always paid on time and had automatic deductions. This practice should be illegal, we are in 2020 people and these type of fees are ridiculous!