23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred to SLS while at the very end of a modification review. I was in foreclosure, but did not have a sale date. I would call to check the status and for months I was told that the documents were still being reviewed. I then received a letter requesting additional documents by XXXX/XXXX/16, I met the deadline by mailing in the documents before the date on XXXX/XXXX/16. I called to follow up and was told that the documents were not yet received, but not to worry and it was normal. I was nervous, so I resubmitted the documents via email on XXXX/XXXX/16, to the point of contact I was given. When I got through to him to discuss the application, he told me that the documents were not received & that only a limited number of pages could be accepted via fax or email. This was not indicated in the package, where the acceptable methods to submit documents are explained. He told me my review was closed. He said SLS would reopen my review & likely reassign him. In the meantime, he asked that I submit updated documents. I submitted the documents. I then received a letter dated XXXX/XXXX/16, indicating that the initial submission was received and requesting additional documents by XXXX/XXXX/16. I know this is confusing, basically SLS said they did not receive documents by XXXX/XXXX/16, however sent me a letter indicating that they did. I was given the wrong information. I was gathering the additional requested documents, again & at the same time just received a Notice of Sale date for XXXX/XXXX/16. I have followed all of the requests by SLS, yet while working on my modification I was given a sale date notice less than a month away. I have a difficult time getting through, I have updated my number several times and they still have the wrong information. I am told different things via mail and on the phone. I am now worried that I am not getting a fair chance at a review, and have incurred more fees associated with the foreclosure. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I disputed an account reported by XXXX XXXX XXXX  in the file you maintain under my Social Security Number. 

I was informed on XXXX XXXX that the item was deleted from my credit report. ( Document with proof of this deletion included ). 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 




I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

Wells Fargo reported to CFPB that they have responded to case XXXX  XXXX. They have not. XXXX XXXXXXXX XXXX XXXX  ) from the executive office XXXX promised to resolve issue by XX/XX/XXXX and again by XX/XX/XXXX but did not and has not responded or responded to telephone call. 
Despite being assessed hundreds of millions of dollars in fines by the government, Wells Fargo 's abusive customer service culture continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act XXXXXXXX  account 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 section 2 : 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 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Jefferson Capital Services on XX/XX/2024 put against my credit reports a collection for XXXX in the amount of {$990.00} WHICH I DO NOT OWE. They did so without providing to me any documentation in writing and I had no knowledge of this debt collection until XXXX made me aware. They also put falsely on my credit report a " XXXX XXXX XXXX '' which signifies that a claim has been filed with the government regarding the debt, meaning legal action has been taken, once again without my knowledge and without providing me any proof. In speaking with them today, XX/XX/2024, I recorded the phone call and requested all documentation to reference this debt and that a letter with a dollar amount would not be acceptable proof that I owe this money. Emphasis was put on do not call, do not email and all documentation to back up this claim is to be mailed to me via US Mail. I also filed a complaint with them to express concern that this has been done without any communication and without a chance to dispute. They are now staying it will take them 30-45 days to remove from my credit report, THIS IS NOT ACCEPTABLE SINCE THEY VIOLATED MY RIGHTS BY NOT PROVIDING ME DOCUMENTATION AND PROOF. I WANT IT OFF MY CREDIT REPORTS IMMEDIATELY, THAT IS THE LAW! To date, XX/XX/2024, Jefferson Capital Services has never provided any documentation or proof from XXXX or themselves that I even owe this debt. I also told them in the recorded phone call that a letter from them stating I owe this money WILL NOT BE ACCEPTABLE, THEY NEED TO PROVIDE ALL DOCUMENTATION TO BACK UP THEIR CLAIM. I want this collection immediately removed from all credit reports. They also asked me for my SS number and I do not know if they can even legally ask for that and especially since I received nothing from them to address ANYTHING! I can not attach as there are too many documents of proof that I do not owe that money and I would not know which ones were best to attach.
Product: Checking or savings account

I had rolled over my IRA from XXXX XXXX XXXX to Santander Bank. On or about XX/XX/2018 I had closed my IRA account at Santander Bank. I had been told by my tax accountant that my 1099 R  should be coded as a " G '' for a rollover. I received a letter from Santander that it was a rollover ; however, I do not see anywhere on the 1099 R that says rollover or " G ''. I had contacted Santander customer service and was told that there is no way for a customer to speak to anyone in their IRA Department and that they would have to open a case on my behalf. I then tried to contact corporate escalations but to no avail. The representative who I had spoken to had kept me on hold two times for an inordinate amount of time saying she was going to verify my account but never returned to the line or called me back. I have to get a clarification on this issue as it will greatly impact my taxes if Santander didn't report it to the IRS as a " rollover ''. 
What kind of bank does not allow their customers who had an account with them to speak to someone in their IRA Department or any department that may be appropriate??? 
Santander 's banking policies/regulations do not appear to be fair or ethical and should be investigated as such.
Product: Credit card or prepaid card

In XX/XX/XXXX, I had a substantial amount of XXXX work scheduled to be done and the XXXX  office offered the option of using XXXX XXXX credit card from XXXX Bank, that offered a no interest payment plan for two years. The first minimum payment was due on XX/XX/XXXX, and the final payment due in two years. I was encouraged by the bank at that time to sign up for paperless billing, which I did. I began making payments well above the minimum to be sure it was paid off before the two year deadline. The initial charge was for {$7400.00} on XX/XX/XXXX and we were told by the XXXX office that it would be 24 months, no interest. As the XXXX work progressed there were three additional charges : {$1800.00} in XX/XX/XXXX, {$1300.00} in XX/XX/XXXX and {$780.00} in XX/XX/XXXX ( dates may be a little off ). Each time before we charged these amounts to the card, we first asked the XXXX office if it was the same 24 months, no interest. We were told it was. Based on the information that we were given, each of these charges would have been paid in full within the appropriate time frame with the monthly {$500.00} payments I made. I never missed, or was late on a payment. 
After making the XX/XX/XXXX payment, my balance was {$380.00}. On XX/XX/XXXX, I received an email alert that my XX/XX/XXXX statement was available. We were in the middle of moving, and I didnt want to forget the payment, so I made it early ( so I thought ) on XX/XX/XXXX. I noticed that the email showed a statement balance of {$2500.00}, so I checked the account and saw {$2100.00} entered twice, once as an adjustment. I thought that this was a charge and a credit, which would XXXX out. On XX/XX/XXXX, when I saw that there was still a balance of {$2100.00}, I immediately called to find out why. I was told by XXXX, that the promotion ended XX/XX/XXXX, and I was charged the full interest. After reviewing the situation, I called customer service, again, and spoke to supervisor XXXX. He explained that the additional charges were for different time frames, not 24 months, and the bank applied the payments first to the later charges, because they were due sooner, and then finally to the original charge. I was told by the XXXX office that each amount we charged was payable in 24 months, no interest. That would mean that the payments would be applied to the initial charge first and all payments would have been made within the time frame. XXXX advised me to contact the bank via fax to XXXX to explain the situation and request the interest charge be waived. I faxed the letter on XX/XX/XXXX, with a follow up on XX/XX/XXXX, after I had remembered additional information. To date, I have not heard back from the bank. 
For these reasons, I am disputing the interest charge and requested that the bank reverse the charge so that I have a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

MB Fin Services Account # XXXX report date XX/XX/2023 Filed disputes to get it updated and charge off removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

America First Credit Union is reporting a late on my credit file for XX/XX/21 and I was never late. I make my payments on time but my payments are due on the XXXX every month. I made my payment on the XXXX and I was told that my payment was confirmed and the funds were taken out of my account however, they are marking it as late because the bank didn't post it for another 3 days? This is not my fault, my payment was made on time on my due date.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate names and addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

For starters, I was forced to transition from my original loan servicer Great Lakes to Nelnet. Nelnet took it upon themselves to changed the the amount of my monthly payments and change the term length of my loan without my knowledge and without my consent. 

Nelnet is also trying to force me to make payments on loans while XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They screwed up my grace period, they are screwing up my payment time tables, and since I just learned that they changed the terms and conditions of my loan without telling me, I now have to deal with that too. 

I need this company to be sued into fixing the issues they are creating.
Product: Mortgage

Correspondence and documents attached outlining my complaint in a letter dated XX/XX/2023 to the Chief Operating Officer of Amerisave Mortgage. 

My basic complaint is that not enough time was allowed to make the necessary changes that went into effect XX/XX/2023. Letter from Amerisave received XX/XX/2023 which did not allow me enough time to create a new on line account with XXXX XXXX, which needed a profile on me together with providing a good email address and a new Password. Frankly, my week was already lined up with doctor appointments, planning for the XX/XX/XXXX XXXX, and keeping abreast of many everyday responsibilities. I wrote a very frank letter to Amerisave Mortgage explaining that the timing was too short and that a 30 day window should have been allowed for such an unexpected change. 

This is the second time in a two year period that Amerisave Mortgage has sent notices to their customers regarding a Notice of Servicing Transfer. You will learn more details when you peruse my attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus. XXXX reported they used a 3rd party to verify the information which is XXXX XXXX. I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account. This is a violation of the FCRA because they are reporting INACCURATE information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
NOT MINE ... 
XXXX XXXXXXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE XXXX XXXX XXXX XXXX, XXXX, FL XXXX NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Portfolio Recovery Associates account XXXX and they responded with the false claim that they " investigated '' my complaint but failed to provide any competent evidence of the alleged debt other than some fake statements. Please investigate the alleged transactions on the alleged statements and other facts and delete as I have no knowledge of this false account.
Product: Credit reporting

Equifax refuses to remove this from my credit. The bankruptcy courts of South Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is illegal.
Product: Debt collection

I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Payday loan, title loan, or personal loan

I have a title loan I have been trying to p ayoff for a week.loanmart has taken 3 payment via my bank account ach.1st payment XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX and XXXX on XXXX XXXXOn XXXX XXXX I had a long conversation with there associate XXXX he spoke with the supervisor.They agreed to take a XXXX payment to payoff loan on XXXX XXXXWhen XX/XX/XXXX came around they called me and told me there system wouldn't take the payment and told me I would have to wait 21 days to make final payment. I made.it clear I wasn't gon na pay there daily interest on this account for 21 days.We had an agreement and they lied.I then Spoke to there supervisor who told me they would run the payment XX/XX/XXXX she said the next day.Well I never heard from anyone.I don't feel I should have to pay the interest since they failed to take care of there agreement.They also tell me this is there policy on billing the bank ach 21 days but funny they charged my banks 3 times in 3 days so this is another lie.They have refused me the right to pay my loan off and in the process during this so called waiting period want me to pay interest. And I have refused .All I heard from the supervisor is I talked to the other Depts nothing I can do.This is wrong all I wanted to do is pay my loan off.Both my wife and I are XXXX and I had a family member pay this off for me.I don't need to be treated like this. Thank You
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 items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

-I had to borrow money from Sallie Mae to attend XXXX University in the Fall of XXXX. 
-By Spring of XXXX I left XXXX because I was XXXX XXXX 
-My dog was XXXX XXXX XXXX XXXX  in my hometown of XXXX XXXX SC XXXX 
-My father has agreed to pay $ XXXX towards this loan. 
-His elderly friend agreed to cosign this loan. My parents have poor credit. 
-The loan servicer at ( XXXX ) XXXX ( XXXX XXXX XXXX has been harassing this XXXX old friend of our family. 
-We want a forbearance. 
-I am a XXXX XXXX XXXX XXXX XXXX but intend to return to school. 
-I owe over {$20000.00} but only attended 1 semester. 
-Please help me!
Product: Debt collection

PLEASE REMOVE THAT COLLECTION ACCOUNT FROM MY REPORT, SOURCE RECEIVABLES MANAGEMENT IS NOT ALLOWED TO COLLECT ANY MONEY IN FLORIDA.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have send Equifax several letters asking that since they keep saying they verified that this alleged XXXX account XXXX as being verified which is false information. I lived with my aunt who has exact same name as myself and they are mistaken and so to clear my name I have asked Equifax for physical documented proof because when I had an agency call XXXX we spoke with a XXXX Id number XXXX and she clearly said they ca n't release 3rd party information without the account holders written authorization and since my aunt is deceased she ca n't write a authorization to them. So clearly Equifax is making false statements in which if they do n't remove this unverified debt I have to seek legal action. I have clearly been keeping all my certified receipts with their signature showing each time I send a letter on this matter they have received this and still have not send me any physical documents in which they keep saying verified but how? I would like to know in writing how they supposed verified because if this unverified debt remains on my report in case I need to take this to trial due to this damaging my character it 's very embarrassing and they keep saying verified and nothing else. Clearly they are in violation of the FDCPA section 809 ( b ) and are not following FCRA 611 ( a ) rule. I also have asked several times who in their company verified this XXXX account in question if XXXX said they need a signed statement and being that I have not signed anything clearly means something is going on and this account needs be deleted. Someone with XXXX must authenticate the documents in my file that were used to verify the disputed account and I said they must have first hand knowledge of the alleged account under penalty or perjury. According to XXXX 's law dictionary XXXX edition 1990 defines " verification " as " confirmation of correctness, truth or authenticity, by affidavit oath or deposition " affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that Equifax must be willing to be able to produce a document that proves the account belong to me. Due to their continued disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 of the if the UNVERIFIED Item is not deleted from my report.