23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sent Specialized loan Servicing 3 monthly payments of XXXX and they were supposed to remodify loan. Then I'm contacted by XXXX XXXX  and they say that it's in default and that there was no record of me paying those amounts. The whole thing is a fraud I never even took the loan out nor did I have any knowledge of it and I never received a XXXX. I've paid thousands of dollars and the loan is still at it's original amount. I've never even seen the loan documents. XXXX XXXX did not have my permission to give anybody a loan. I've been paying on this loan for years because they keep threatening to take my home.This is not uncommon I am discovering why haven't you shut these crooks down. Many innocent people are losing their homes and nothing is being done. What's going on? Furthermore, I never recieved compensation from Specialized Loan Servicing as I am an affected consumer and in 2020 they were ordered to pay out over {$300000.00}.
Product: Credit card

In XXXX, XXXX  I was charged a late fee on my Amazon card managed by Synchrony Bank. A late fee was imposed due to Synchrony 's failure to debit my bank account on the date the payment was scheduled on the due date. I contacted Synchrony and they refused to remove the late fee claiming that I had not made a total minimum payment when I actually did but Synchrony applied a portion of that payment to the erroneous late fee, and that I had made a purchase in XXXX, when I actually had not. I did receive a credit in XXXX for a purchase made in XXXX that I did not receive. Synchrony refused to remove or credit my account for the erroneous late fee. I have made several attempts to remedy the issue, and informed Synchrony that I would not pay a late fee due to their error, however, Synchrony has continued each month since then to add late fees to my account after I have deducted the erroneous late fees from the monthly amount due, then Synchrony adds another late fee the following month claiming I did not pay the minimum amount due, which I did after subtracting the erroneous late fees. In addition, each payment has been applied to the erroneous late fees, rather than the balance, even though the monthly payments have been made on time. I have attempted to contact Synchrony 's corporate office but calls the number listed is sent directly to a voicemail box that is full and can not accept new messages. The late fees imposed to date have added up to well over {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 reporting, credit repair services, or other personal consumer reports

I purchase a few items from Amazon online, amazon offered me discount not telling me that they actually open for me new credit card account with the synchronic bank without my consent and the understanding that this another account that I'm not interested at all! 
I returned most merchandise in the amount approx. of {$360.00} and more, Amazon personnel account consumer service from XXXX and XXXX,??? after going through my account charges and refund told me they refund me all the money, not telling me to what account they refund me the money? 
I called to the synchronic bank they told me they did not receive the refund from amazon, so someone is lying to me. 
This is a serious scam and fraud!! 
I suspect the scam is between, XXXX, Amazon consumer service, Synchronic bank, and Paypal. 
when a consumer wants to verify account correction charges and refound, consumer, become the victim of fraud by giving them round round forcing consumer to contact each institution separately refusing to make 3 way call so all side are online verifying the truth of charge and refund, there excused for that is saying its security issue, this is the way the commit the fraud depriving consumer of the truth they were out consumer in many hours on the phone like me take 10 months and over 30 hours on the phone with them and got nowhere. while on the phone they tell me to wait for few minutes while they cal to another side of this scandal then line disconnected, I call again and the round of the scam starts all over again. 
now last few months the synchronic bank report to credit bureau of my faulty debt thinking I'll be put on pressure to pay for fraudulent charges. I refuse to this extortion!
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/23 I telephoned the Bank 's call center and spoke with XXXX XXXX. I was questioning the low interest payment for XXXX on an IRA since the rate had not changed. XXXX indicated he would research the issue and get back to me. On XX/XX/23 I again called the Bank requesting the same information and spoke with XXXX. She stated that since I did not open the account online she could not help me and I would need to go to a branch office. That same day I contacted a local branch office. They stated they would have to reach out to their contact person to get an answer. As of today ( XX/XX/23 ) I have not heard back from anyone at the bank.
Product: Credit reporting or other personal consumer reports

I have identified several discrepancies in my credit reports from XXXX, Experian, and XXXX concerning multiple collection accounts. These accounts are reporting different date opened dates across the credit bureaus. This inconsistency is negatively affecting my credit score and my ability to obtain credit. Below are the details of the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am trying to find out if my account from Wells Fargo was a part of the settlement for breaking federal consumer protection laws. 

I had an account from XXXX to XXXX. I have spoken to Wells Fargo today ( XXXX ) and they could not find my account number. 

Please be advise I lived at the address from XX/XX/XXXX to XX/XX/XXXX with one of the co-signers on the mortgage loan ( XXXX XXXX ). 

We were divorced in XX/XX/XXXX and I kept the house. 

Please also note that XXXX and my parents, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX co-signed with XXXX, but I paid the mortgage the whole time we lived at the house. 

I was not able to sign onto the original mortgage due to a past bankruptcy, but a year later in XXXX I refinanced my parents off the loan and put my name on it and this is when Wells Fargo sold my mortgage to another company. 

Please have someone look into this matter to see if XXXX XXXX ( aka XXXX XXXX ) or my parents are eligible for the proceeds of the lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # 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.
Product: Mortgage

Last year Wells Fargo ran an article in The XXXX XXXX stating that they had incorrectly foreclosed on several homes from XX/XX/XXXX to XX/XX/XXXX, as a computer glitch on loan modifications caused them to deny these people loan modifications. ( XXXX ). Since this applied to me I called them.After several discussions on the phone spanning several months of delays on their part, they sent me a letter stating they had not made any mistakes on the denial of my loan modification back in XX/XX/XXXX.In the denial letter dated XX/XX/XXXX they stated that it was determined that I could not afford a repayment.Therefore I would not be included in their settlement efforts. ( in their original denial letter dated XX/XX/XXXX they stated that my pending loan modification required approval from the investor that ultimately owns my mortgage, and the investor has declined the request to modify my mortgage??? ). Their XX/XX/XXXX letter of denial misses all of the following facts of my XX/XX/XXXX case : 1. I requested with Wells Fargo home specialist XXXX XXXX a 30 year loan in place of my current 15 year loan # XXXX for my rental property at XXXX XXXX XXXX, XXXX, Ca XXXX.XXXX told me that I had to be in the HARP program to get a loan modification??? This was not the product I was looking for, but XXXX instructed me to send in payments for the equivalent of the new 30 year loan while he handled all the paperwork. 
2.XXXX then had me send in mountains of paperwork over the next several months, all the while delaying my final 30 year loan papers I was ready to sign.Earlier the year before Wells Fargo had granted me this very same loan on my property ( home ) at XXXX XXXX XXXX, XXXX, Nv loan #  XXXX. ( Later in XX/XX/XXXX California passed a law against Dual Tracking of loans ). 
3.Since XXXX was having me send in only 1/2 the required payment, Wells was sending me  delinquency notices which XXXX said to not worry about. 
4. As this dual tracking continued, I was instructed by XXXX to quit sending in payments at all.This concerned me, so I contacted Senator XXXX XXXX off to help me with this.XXXX XXXX and I then began working with several Wells reps like XXXX XXXX and XXXX XXXX -- Executive Mortgage Specialist.Again, XXXX and I sent in all the paperwork as instructed to meet all their requirements ( it was a XXXX XXXX loan and XXXX even worked with them to insure correct procedures were followed ) ' 5. During a conference call in XXXX XXXX XXXX XXXX XXXX of Wells Fargo told XXXX and I that it was too late to pay off the loan or even bring it current, that since the loan was now over 3 months late, the foreclosure would not be stopped.There was at that time over {$200000.00} in equity in this property I was counting on for retirement. 
Again, in the denial letter from Wells  dated XX/XX/XXXX, it was stated that their computers determined I could not make the loan modification payment.As stated above I had already been paying on a 15 year loan and only wanted to go to a 30 year loan.Thus my contention that I was fraudulently forclosed on, just like the other people in their proposed settlement. 
All the account # 's that I listed have been closed.
Product: Debt collection

I am currently receiving collection notices from Real Time Resolutions ( RTR ). RTR has refused to fulfill many obligations and prove up the validity of the debt. Please see the primary points listed below.

1. This loan was originated in XX/XX/2006 by XXXX XXXX XXXX. Per the FDCPA law, RTR needs to prove up there rights to collect. They have not demonstrated true ownership or have disclosed the collection rights for the owner of the debt. Per the Florida Consumer Collection Practices Act ( FCCPA ), RTR is required to allow 30 days to dispute the validity of the debt based on assignment. RTR has not produced an along to the note of affidavit 2. The accounting ledgers have never been requested on many occasions and the balance of the debt has been challenged. There is no way the balance could be over XXXX, which is alleged by RTR ( exhibit A ). The most recent statements show a balance of XXXX. Per the Florida Consumer Collection Practices Act (  FCCPA ) proper accounting disclosure is required to prove up the alleged balance due. 
3. RTR has refused to complete the underwriting process to modify the alleged debt. Per CFPB law, full underwriting is required if the homeowner submits the required documentation. 
4. RTR has threatened legal action and foreclosure against me. Per the FCCPA, this action is illegal unless warranted. RTR is a Texas corporation and does not have the legal authority to execute on a foreclosure ( exhibit B ). 

Based on the points listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
Product: Payday loan, title loan, or personal loan

The banker at Bank of America in XXXX XXXX XXXX said, I was approved of the government PPP forgiveness loan for my small business XXXX XXXX XXXX. But I never received the {$100000.00} ( XXXX XXXX XXXX XXXX/100. ) government PPP forgiveness loan money from Bank of America?
Product: Credit reporting or other personal consumer reports

I have opened up disputes with Experian in regards to an account that was open up fraudulent do to my XXXX  XXXX situation. I contacted Experian back in XXXX XXXX XXXX XXXX and XXXX each time I speak to the via phone they close the current dispute that I have open without doing a proper investigation which is a direct violation of the FCRA 1681b which states I have the right to ensure accuracy of the information contained in my credit report. As of today XX/XX/year> I have contacted Experian they again closed my complaint that was sent by the cfpb on XX/XX/year> and also closed my dispute that was made on XXXX XXXX without doing a investigation
Product: Checking or savings account

At the end of XXXX, I received an alert from XXXX XXXX XXXX XXXX a service I pay through my employment that a new account with Goldman Sachs was opened linked to my name and social security number. 
The representative assigned to my case from XXXX has assisted me in the proper steps to take. We called Goldman Sachs together on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX we spoke to XXXX who said someone would call me back, that did not happen. On XX/XX/XXXX we talked to XXXX who said it would be investigated and account would be closed, and I would receive confirmation in the mail. This was not done, on XX/XX/XXXX I received a welcome letter dated XX/XX/XXXX in the mail congratulating me on opening a Marcus account with Goldman Sachs, I called them back on XX/XX/XXXX and spoke to XXXX and explained the situation again, she apologized and ensured this time it would be investigated and closed. Now I am limbo to see if this really happens. I have frozen my credit reports and filed a complaint with the FTC so far. I just think this company 's cyber security is really lacking that someone can just logon sign up for an account without submitting any documentation besides just a name and a social security number to open an account, it's poor information security controls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX dispute with the CFPB and XXXX XXXX did not resolve my issue. The complaint was closed out. But they did provide me with documentation regarding the loan in question. The documents that they provided me do not match what they are reporting to the credit bureau. The amount being reported is {$7200.00}. Please remove this inaccurate information ASAP as pursuant to FCRA that my credit report must have accurate information at all times. Please have XXXX XXXX provide the documentation that verifies and matches the exact balance that is being reported. 

Acct. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XX/XX/2022 I contacted the company about the inquiry witch they told me there's nothing they can do I would have to contact Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amazing I receive a " report '' from Lexis Nexis implying I requested a copy. Their opening states " We were unable to locate your file with the information provided? '' Strange since they attached a number of reports. The FACT is they provided a report to XXXX XXXX XXXX which I distinctly advised the XXXX XXXX NOT to Process! That unsolicited of XXXX resulted in a rejection based on XXXX XXXX data- even stranger. So just what is it they can not comprehend? 1- I never solicited anything 2- They themselves state they need more information- 3- So why did they provide anything to XXXX- 4- why ca n't they locate us when the reports they submitted to use show driving data. 5- Evidently they can not or could not access our credit files so why would XXXX reject us outright?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that I can't locate on my report being reported as late within the last year. I've checked my accounts over and over and none reflect this late payment that is hindering me from purchasing my home. When my lender pulls my report, Transunion is stating the date of my last late payment was XX/XX/XXXX ( no account reflects this ) .XXXX is reporting my last late payment was XX/XX/XXXX ( no account reflects this ) I haven't had any late payments so my payment history should be reported accurately or the account that was supposedly late should reflect that so I can dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Point LLC accessed my XXXX consumer report without my authorization. I never gave this company authorization to acces either reports. I also sent a notice to dispute for unauthorized credit inquiries through mail
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sirs or madam I have obtained my Equifax report, this account XXXX XXXX XXXX XXXX XXXX, OH-XXXX shows numerous error ( s )  This is Not a Data Factoring account. Please remove this. 
It reports a One Month term which is false. Please remove this. 
The Estimated date of removal for the CA does not match the date that the original creditor, reports. Please remove this. 
The Date of First Delinquency with the Original Creditor is not provided Please provide this. Please remove this.The Date of First Major Delinquency with the Original Creditor is not provided Please provide this It has never been 12080 days late. Please remove this. The Balance is not correct. please remove this. 

I await your response, XXXX XXXX
Product: Debt collection

I would like to make a formal complaint against Perfection Collection LLC. They are attempting to collect a debt associated with a XXXX  account that I have no knowledge of. This account continues to report negatively on my credit report with account number XXXX. I have no knowledge of this account. I was harassed once at my job concerning this account. I feel that it was unprofessional and caused me emotional distress. There has been no resolution concerning this matter. I have requested an investigation concerning this account several times. I have never had an account with this company and was a college student living on campus at the time the debt was supposedly made.
Product: Credit reporting or other personal consumer reports

Under the guidelines of FCRA 605B, incorrect accounts should be removed from my credit report. Could you inspect the documents? Some accounts have errors in reporting, such as incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency ( Experian ). The list of items remains unresolved. I request immediate investigation and removal of these items, as they are incorrect and do not reflect my true credit history. See Below Report number, Date and accounts in question. 

Report Number : XXXX Date 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: Mortgage

i disputed XXXX modify i signed on XX/XX/XXXX after XX/XX/XXXX call to say approved for XXXX i was not aware of maturity date ext XXXX but i signed so had to accept until i found loan was never executed i was denied XXXX  on letter dated XX/XX/XXXX at same time i was into agreed mod denial never disclosed i researched gave chase proof with doc XXXX but XXXX they never admit i was denied XX/XX/XXXX and i had 30days to call and choose other option chase cllaim they furthur review gave me standard mod in XXXX but in past XXXX XXXX will type standard next to loan modify XXXX XX/XX/XXXX modification was not executed recorded notorized because it was denied i have pkg from chase showing only ny signature alone with page 6 compliance letter since they forgot to sign but in XXXX they fix it with countersign i have to two set of doc to prove deceptive practice in XXXX i was reviewed for XXXX  hamp modification offering to lower my payment but chase gave me a inhouse standalone that i can prove i did not qualify for they gave partial claim and hamp modification accepted incentive from hud when loan doc were materially false i can prove the math for my XXXX mod will show i did not qualify chase was noncompliance with hamp rules i wish you would research again you cant deny the document i presented
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft several times. Ive explain that to discover numerous times. They still sending Back letters stating that is valid. This debt from identity Theft is hindering me from acquiring apartment and gaining new lines of credit. Its so unfair to me that Im being forced to pay a debt that I didnt acquire. I wasnt showed a signature or copy that I gave consent to open account with them. I had a fraud alert on my credit report prior of this account been open. The thieves were able to by pass that.Ive submitted the identity affidavit to this complaint please help.
Product: Credit reporting or other personal consumer reports

Attached Notice dated XX/XX/XXXX was sent to Experian concerning several violations on my credit report dated XX/XX/XXXX. Violations in the following areas were found throughout my Experian credit report : -Privacy Act of 1974 -15 USC 1681 violations -Public Law 90-321 -15 USC 6801 -12 CFR 1016 -Chargeoffs Violations were tallied and resulted in 358 violations. I have not received a response from Experian as of yet.