23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, my loan servicer, Specialized Loan Servicing ( SLS ) began sending me notices of delinquencies and foreclosure. My account has been current throughout my Chapter XXXX bankruptcy and discharge. I have proof, in the form of bankruptcy discharge documents and payment confirmation emails from SLS, that payments were complete and on time. Yet, I continue to receive notices of delinquencies and foreclosures from them and their online systems continue to reflect a past balance. It has been two months from my date of bankruptcy discharge and this account error continues to persist. 

I have contacted Specialized Loan Serving ( SLS ) numerous times since XXXX, but they insist the account has a past due balance. At the direction of their phone agents, I faxed a Qualified Written Request - Notice of Error, along with supporting documents, on XX/XX/XXXX to assist them with remedying the errors. I also mailed the Notice of Error to the address provided on their website on XX/XX/XXXX. It has now been over a week without a response and I'm concerned ( scared, frankly ) that my credit and house are in jeopardy. 

Attached are some of the key documents that substantiates completion of payments via the Chapter XXXX plan and post-petition/discharge payments made by me.
Product: Bank account or service

Hello, I opened my CitiGold checking account with a promotional code to receive XXXX Thank You points and now am being told I wo n't receive them. I have been told by multiple citi agents via chat and phone that I did in fact sign up the correct way, completed the required 2 bill pays and would receive the points within 90 days ( XX/XX/XXXX ). Since then I have only been billed the $ XXXX monthly maintenance fee and received no points. One agent refunded my first {$30.00} fee and even promised me an additional XXXX points for the troubles. He then sent this information to what they refer to as " research '' and research denies it telling me I wont be getting anything because they do n't feel that I should. This is a scam and awful that they are doing this to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : XXXX XXXX XXXX - XXXX XX/XX/XXXX Experian 's National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam ; In reference to the account above I would like to bring to your attention an issue which I have been unable to resolve directly with Experian or XXXX XXXX so I am writing to you to have this item removed. In XX/XX/XXXX XXXX was reporting a payment status of discharged through bankruptcy and the balance of XXXX. This has been reported since XX/XX/XXXX. On XX/XX/XXXX this changed from discharged in bankruptcy to a balance of {$20000.00} which is incorrect, as it was discharged in bankruptcy per the XX/XX/XXXX report. Apparently, there is some issue on either XXXX or Experians difference in reporting systems that cant get this resolved thru multiple letters, phone calls, ect, as such it should be removed as incorrect information. I previously provided bankruptcy schedules showing discharged, it is reporting as a {$20.00}, XXXX balance still open and not discharged.
Product: Credit card

XXXX card was used to purchase gift cards from XXXX, when they cards were checked they were all empty had XXXX balance, reported to XXXX and XXXX. XXXX sent me emails from the XXXX unit which stated they attempted to contact the people who used the cards both on line and in the stores but have not received any response. They know I did not use any of the gift cards, they have also stated they know everyone who used the cards by date and time but can only share the information with law enforcement, I tried to file with XXXX Metro PD but they said it was a Federal issue as XXXX is located in XXXX and I live in XXXX XXXX, I then was told to file an IC-3 ( # XXXX ) which I have and have not heard anything back. XXXX refused to give any credit back to my XXXX, they admit that I never used any of the gift cards, and they know who did. I request a credit back to my XXXX for the full amount and a letter to all the credit agencies that this was fraud by others. I spoke with XXXX in their XXXX customer service who gave me the date and time each card was used, you will see the last XXXX numbers of each card the date used and the time, the cards never left my possession so how does one make a purchase in the store without the card? XXXX will do nothing to help nor will XXXX they said there is nothing they can do.
Product: Debt collection

I signed up with XXXX XXXX ( XXXX XXXX XXXX XXXX ) through XXXX. I was supposed to be receive XXXX bottles of XXXX gal water per month. Instead, they were delivering XXXX bottles bi-weekly at {$6.00} per bottle. I called them and they told me they would pick the extra bottles up and adjust my account to reflect correct costs. It never happened. I called back again asking about it, was told it was n't done, but the rep I was speaking with would be putting in an order to have the unused water and empty bottle picked up at the time of the call. The driver came, but only took empty bottles not extra water. At this point I was highly upset because they were also dropping off MORE water and charging me. I had a total of XXXX bottles of water. I called after receiving a late payment notice from them and stated I was told to make payment after adjustments were made. I informed them that they needed to fix my account so I can make the payment for the correct amount I was initially told I 'd be charged, not $ XXXX+ they were now claiming I owed due to the excess water. I requested to cancel the account. They told me the account amount can not be adjusted until the water is picked up. XXXX did not deliver more water pass the XXXX bottles, but also never came to pick up the equipment & water, nor made any adjustments. 

In XX/XX/2016, I checked my credit report to see that XXXX had referred my account to CBA ( Collection Bureau of America ) and my credit ha taken a big hit, dropping XXXX points! The amount owed on my report listed by the collection agency now read {$330.00}! I never received any notice from Collection Bureau of America about the debt nor anything stating my right to dispute. I most certainly would have disputed considering the issues I was having with XXXX XXXX. After calling XXXX XXXX due to seeing the account had been transferred and the stuff still had not been picked up, they told me they could no longer do anything about the account and that I would need to talk to the collection company. XXXX XXXX purposely over charged me and ruined my credit when they decided not to pick up their product after multiple phone calls. 

I called collection company and they told me I had a {$330.00} balance and I would need to bring the equipment to the crystal warehouse and it would adjust the balance down to {$110.00}. I told them that crystal water was supposed to have picked up the products, but never did. The rep told me no one would be coming to pick the stuff up and that I would need to bring the equipment and bottles in or be charged for them. I drove over 45 minutes to drop off the stuff at XXXX 's location. The rep asked me why I was dissatisfied with the product and I explained everything that happened. He informed me that the XXXX XXXX drivers are understaffed in the area and that is why they never came to pick up the equipment and water. I am being penalized by way of being over charged and my credit ruined for a problem within the XXXX XXXX company. It is my belief that XXXX XXXX has also misrepresented the status of account to CBA. 

XXXX ACCOUNT # XXXX
Product: Mortgage

XXXX, XXXX XXXX XXXX began servicing my mortgage several months ago. The first issue we encountered was them automatically purchasing hazard insurance for us when had had already provided them documentation we had a current policy. It took several hours and weeks to resolve the issue. Their phone system is a loop of options meant to discourage real customer contact. In addition, they could/would not provide a direct phone number for their insurance center, or an email contact, on any letters or their website. It took multiple calls to their general Customer Service center to find an agent who was competent enough to help find the right person to speak with. 

Today, when I logged on to pay my mortgage, their newly designed website timed out and ended up charging my bank account twice for the mortgage. When I attempted several times to call them, their phone system was not working. Furthermore, there is no email system to help make inquiries about mortgage payments or other service issues. 

This company is clearly trying to save money by eliminating options for human contact or and has been beyond slow and unresponsive. Thank you for allowing this complaint to be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2400.00} XXXX  XXXX {$6300.00} XXXX   XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX/XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX XXXX {$270.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unlawful reporting of a repossession account on my credit report, which I recently obtained from your agency. The account in question is listed under XXXX XXXX XXXX XXXX XXXX. Upon reviewing my credit report, I identified several violations of federal laws under the Gramm-Leach-Bliley Act, specifically 15 USC 6801, 15 USC 6802, and 15 USC 6803. These laws mandate the protection of my personal financial information and outline strict guidelines for how such information is to be handled and shared. The violations are as follows : 1. 15 USC 6801 : Protection of Nonpublic Personal Information. This section requires financial institutions to establish appropriate standards for safeguarding the confidentiality and security of nonpublic personal information. By inaccurately reporting this repossession, XXXX and Experian has failed to ensure the protection of my personal financial data. 

2. 15 USC 6802 : Obligations with Respect to Disclosures of Personal Information.This section mandates that financial institutions provide clear and conspicuous disclosures to consumers about their policies and practices regarding the sharing of personal information. There was no proper disclosure or authorization from me for this inaccurate and damaging information to be shared on my credit report.

3. 15 USC 6803 : Disclosure of Institutions Privacy Policy. This section requires financial institutions to disclose their privacy policies and practices to consumers. The reporting of this repossession without proper adherence to privacy practices and without my authorization is a clear violation of this statue. Due to these significant breaches, I demand that XXXX and Experian immediately delete this repossession from my credit report.The continued presence of this inaccurate and unlawfully reported information is causing substantial harm to my credit score, financial reputation, and overall well being. If this matter is not resolved promptly, I will have no choice but to pursue legal action for damages resulting from these violations could result in significant penalties for XXXX, and experian including but not limited to : Statutory damages prescribed by the Gramm-Leach Bliley Act, Actual damages incurred due to loss of credit opportunities and increased interest rates, Costs and attorney fees associated with legal action, Please treat this matter with the utmost urgency and provide a written confirmation of the deletion of this account from my credit report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance XXXX {$240.00} ; XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

This is a card supplied by Texas Workforce Commission. TWC ( I believe ) has added assets to the card already. I received the card, attempted to create a new account for online access. https : //www.usbankreliacard.com/ site says my account has been locked and I must call the number provided. I did call the number, was on hold over an hour, agent answered, call disconnected. I called back, on hold over an hour again, gave up. I called US Bank directly, was told they offer no support for the Reliacard that my only recourse is through the Reliacard division.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a balance due of {$4300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The past due balance is much higher than the original balance. This account should not even be reporting because the date of last activity was XXXX, 2014. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. XXXX  violates the California Predatory Lending Law as well. This false reporting of not only an amount past due that is incorrect ; it is also reporting on an account that has the date of last activity of 2014. The reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge off is income. According to the FCRA, income can not be reported on a credit report. I have received a 1099-C for the accounts listed here : ( Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ), not even to mention violation of XXXX XXXX XXXX XXXX. I demand these accounts to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts XXXX XXXX XXXX  ( Account # ) : XXXXXXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX XXXX, XXXX XXXX  account number XXXX XXXX, XXXX XXXX account number XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud ( 1099 OID ). By Law companies are supposed to send me the consumer a copy of the 1099A & 1099C from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Credit card or prepaid card

i had apply for gm buypower capital one credit card never used it but in XX/XX/XXXX i got my statement and saw a balance contact capital one regarding this and iopen a fraud investigatigation since i never had used my card during all this i was in the process of buying a house so this was affecting my credit since i never used it i never made payment i was advice by capital one that to pay it off since it was the fastest way to fix my credit and once the investigation came to and end they will etheir credit or send me a refund if it wasnt actually fraud so i made the payment in XX/XX/XXXX i made the full payment bringing my account to {$0.00} i wasnt never abe to acces my account since the person who was using my account call capital one and put a security code and request another card capital one would never give me information cause didnt know that code after a while i call capital one to see if my account was still active on XX/XX/XXXX it turn out that i found out i had another balance and my account was charge off and the account was closed and open another fraud investigation soon XX/XX/XXXX this was came in my favor so i ws going to get a refund in 10 to15 days i recieve a letterand also have voice mail saying that after they toldme i need to send statement saying the payment was made and statement if all the information nothing crossout since the account that i made the payment was fro my sister they request her to send a letter wand we did after that i got an voicemail saying she had to call and give a verbal statement saying she gave me permision to used her acount to make the payment after everything they had ask was send and done XX/XX/XXXX they told me i wasnt going to get the refund because i didnt pay this from my bank account and to call the bank and have them do a stop payment that imposible because this payment of {$2700.00} was made in XX/XX/XXXX and its been pay to gm buypower capital one credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote the bureaus, XXXX being the worst, telling them the accounts showing were not mine, this started, in XXXX, 2021. So what XXXX and experian did, they are now reporting, the same account that is not mine, TWICE, i am uploading documments. A year out of my life, time and energy, i '' ll never get back, and this items are still on my report, and ruining my good credit standard in this competitive world. I don't understand how a XXXX XXXX XXXX', corporation, can do things that hurt, harm, american citizens lives, i am a single MOM, struggling through life, and having to fight giant mutiibillion dollar, credit bureaus companies.
Product: Debt collection

Midland funding LLC. XX/XX/2022 added {$1.00} to my account causing my score to drop XXXX pts. And starting a new time-line for the account. I disputed the charge and was given {$1.00} credit. I'm not sure about the time-line. Damage done XXXX will not return my score back to the original score. I also sent letters to Midland funding requesting all documentation on the account and to stop contacting me. No response. I feel both Midland & XXXX have committee fraud against me.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : XX/XX/year> XXXX. XXXX XXXX  XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My credit report shows an error where a charged-off account from XXXX XXXX XXXX XXXX XXXX XXXX being reported as past due and updating its balance after the charge-off date. This is inaccurate because once an account is charged off, it should not continue to accrue a past-due balance.
Product: Mortgage

I have Power of Attorney for owner of the property in XXXX XXXX, FL. As the XXXX representing the owner, I listed his property on XXXX in XX/XX/XXXX. Since that time I have tried to negotiate with Green Tree the payoff amount, at XXXX by phone and later by fax beginning XXXX XXXX. They promised to review the amount and respond to me within XXXX business days. I did not receive any reply. I continued to phone, fax, and mail them without any response. I received a XXXX letter XX/XX/XXXX and a XXXX letter XXXX XXXX again saying the same thing : " We are going to response .... '' The main thing about that is I have a buyer ready to close this purchase on XXXX XXXX. It is not right that the owner suffered these additional expenses due to Green Tree delays in response to my faxes, letters, and phone calls. My client is XXXX and XXXX. My client does n't have any condition to defend himself.