23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Specialized Loan Servicing LLC took over my mortgage. They sent me a mortgage delinquency notice inXX/XX/XXXX which was followed by a Notice of Default and Notice of Intent to Accelerate in the amount of {$1600.00}. In XX/XX/XXXX I sent them a letter requesting the months that the mortgage payments were not received. I provided them with copies of cancelled checks. I have never missed a payment on this loan. My regular payment is {$590.00}. I send them every month a payment for {$600.00}. XXXX, teller # XXXX, from Customer Care Support, responded to my inquiry on XX/XX/XXXX stating that the account serviced was transferred to them on XX/XX/XXXX. She indicated that the account at the time of the transfer was not current. She did not specify which months the payments were missing. She also sent me a payment history for my account for the years XXXX and XXXX. I paid some money to bring down the delinquency so as to stop the default notice. This has been going on from XXXX till present. My last letter requesting the missing payments was sent to them onXX/XX/XXXX. They responded sending me another payment history of my account which does not reflect a missing payment. My request is for SLS to simply state the months of the alleged missing payments so I can send them copies of my cancelled checks.
Currently my account is past due by {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit from the XXXX XXXX XXXX XXXX XXXX XXXX which told me that Experian did not report a credit score for me. Further, I have tried to obtain my credit report from Experian and Experian has asked that I provide personal information such as my birth certificate and bank account which should not serve as bases for credit. 

My right to privacy is being violated.
Product: Payday loan, title loan, personal loan, or advance loan

I have been having problems with this company as of XX/XX/XXXX when it unlinked my auto pay account from the application. This then causes a late payment on my account. Since the app did not allow me to log in to pay. Eventually fed up with this company I paid the balance in full and requested that my security deposit be returned XX/XX/XXXX. Ever since I have been unable to login in the application to request my account to be closed. Its as if I am being punished for paying my balance
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$14000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$970.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$330.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$730.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$770.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1000.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$270.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$190.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$580.00} Account Name : XXXX XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$37.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$530.00} Account Name : XXXX. XXXX, XXXX : Account Number : XXXX : Balance : {$3200.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Around XX/XX/XXXX, I have opened my first checking account with HSBC bank an "Advance checking account" after I have received an offer in my mail with a personalized code which i have used that advertised the following: "you will receive $XXXX bonus if you open an advance checking account before XXXX XXXX XXXX and deposit to the account a minimum of $XXXX within 30 days of account opening and Hold the funds in the account for 90 days as well as not having a previous account with the bank. then I will receive the $XXXX in about 90 days after i meet all the requirements."I have deposited a check of $XXXX  to my new account on XX/XX/XXXX which is one week after opening the account and I have maintained a daily balance of more than $XXXX from XX/XX/XXXX to XX/XX/XXXX and until today I have received no Bonus offer or anything. Initially I have met all the requirements of the offer on XX/XX/XXXX and I was supposed to get the $XXXX on or before XX/XX/XXXX. but it has been more than 8 months after I met all the requirements and still nothing. I have tried to contact HSBC on XX/XX/XXXX. to ask them for the reasons of them not giving me my bonus knowing that they still advertise it until today and I still get HSBC bonus offers to open a new account in my mail; but I was not able to get any explanation from them except from this "We show the requirements to receive the promotion were completed. As thepromotional funds were not placed in your Checking account, we haveopened an investigation into this situation."
Product: Credit card

In late XXXX, I enrolled in a payment program with Wells Fargo due to difficulties in making my credit card payments. During the registration process, I asked if I could cancel the program at any time and was assured that I could. 

However, when I called in XXXX to cancel, I was informed that I couldn't do so until XX/XX/year>. I escalated the issue, but I received several emails stating they couldnt locate the original call. This prompted another escalation to their XXXX team. 

When they contacted me, I explained that not only was advised that I could cancel at anytime but then was also advised in XXXX that if I missed 2 consecutive payments I would automatically be removed from the program. I did miss those payments, but I remained in the program, and Wells Fargo continued to deny my request to exit.

About two weeks ago, I spoke with a representative who reiterated that I was advised to miss two consecutive payments. Currently, I am trying to purchase a home, but my participation in this program has caused my credit score to drop by XXXX points, hindering my ability to proceed with the a mortgage loan. 

I have pleaded with Wells Fargo to remove me from the program so I can manage my monthly payments more effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account numbers ****XXXX. ( Please see pages 14 and 15 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

I

nquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). "
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax This is regarding the unauthorized hard credit inquiry on my credit report. 

Please remove the below unauthorized credit inquiry I do not recognize. 

Name : XXXX XXXX Date : XX/XX/2022 Reason : I did not authorize this hard credit inquiry and would like this hard credit inquiry removed from my credit report. 

Please have this removed as soon as possible as it is damaging my ability to obtain new credit.
Product: Money transfer, virtual currency, or money service

My money was taken by someone through Zelle and I was told that they couldn't do anything about it because it was a transfer
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I requested Transunion to provide me with a description as to how they verified account # : XXXX from XXXX XXXX XXXX. I received the dispute results days prior to asking them for this information, asking them to verify it because I noticed that there was no removal and I noticed a slew of inconsistencies on my report regarding this account ; Inconsistent last reported days, inconsistent date open dates, etc. After removing a multitude of items from my report within the last 60 days, It is clear that I am well informed of my FCRA rights. 

According to 15 USC 1681e ( b ), it states this ( b ) Accuracy of report 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. 

So again, on XX/XX/2024 I asked them to provide me a description of the investigation, according to 15 USC 1681I ( 7 ), description of reinvestigation procedure ; A consumer reporting agency shall provide a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description.

But they did do this either. And therefore, are breaking these laws listed below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Not only did they not delete the information, they did not even attempt to update it, given the documentation I provided. My document was completely and utterly disregarded, and some ledger with numbers on it that can easily be made up, superceded a court issued document specifically produced as proof for instances such as this. 

This is unfair and a TOTAL VIOLATION of my rights. Imagine how many other people 's lives they are handicapping if they are doing this to me. I AM VEHEMENTLY INSTRUCTING YOU ALL TO REMOVE THIS ACCOUNT UPON BUSINESS DAY, RECEIPT OF THIS NOTICE XX/XX/2024 BEING TODAY, SUNDAY, NO LATER THAN XX/XX/2024 MONDAY, A BUSINESS DAY DURING BUSINESS HOURS.
Product: Checking or savings account

Hi, I received an email from Chime in XX/XX/2021 about a debit card that was being sent to my address. I did not open any such account in addition, that address they had on file was old. I immediately emailed them and told them I did not open an account. 
I am currently undergoing other complaints of someone opening up bank accounts in my name, using my old address.
Product: Debt collection

I spoke with Monterey sometime in XXXX, stated that I could have been a possible victim of identity theft. Later while speak with the gentleman on the phone ; I researched my bankruptcy documents ; and noticed that XXXX and Monterey was listed in my bankruptcy proceedings. I explained to them that this collection was included in my bankruptcy. I also have written proof that it was included in my bankruptcy. The collection account was removed from my account. The following month ; this collection was added back to my credit report. This needs to be permanently removed from my account. The documents attached on page 14-15 clearly show XXXX and Monterey listed.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for t

his company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Student loan

For years on many occasions, I called XXXX XXXX to inquire about student loan forgiveness for XXXX working with XXXX XXXX XXXX and XXXX XXXX XXXX. I was continually told, by XXXX XXXX, I did n't qualify because my beginning loan date was before a certain date. 

I found out many years later, all I would have had to do is refinance my loans. I refinanced two years ago, so instead of having my student loans forgiven years ago ( XXXX for 18 years ), I still have eight more years to pay. 

I would very much like to share the details of my story and receive guidance joining the lawsuit against XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and I noticed an account for XXXX XXXX in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act. 

I contacted XXXX XXXX on XX/XX/XXXX and they responded on XX/XX/XXXX. 

XXXX XXXX responded and states : The address provided by XXXX XXXX XXXX from the visit to XXXX XXXX XXXX in XX/XX/XXXX is XXXX XXXX XXXX in XXXX. Due to the age of this account, we have chosen to close the account in our system. We will notify the credit bureaus of the closure and request they delete the record. 

I tried to submit a dispute via Equifax website and XXXX website but Im having issues verifying my identity. The questions asked DO NOT pertain to me. I DO NOT have an auto or personal loan in my name.
Product: Debt collection

I have collected 10 different phone numbers from them since XX/XX/year>. They also call from unknown numbers that I cant call back. They have been calling, at minimum, 5 times a day. When I asked about it, I was told it was an auto dialer system and they cant help the amount of calls Im getting in a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was sold from XXXX XXXX XXXX to XXXX XXXX who sold the debt to XXXX XXXX XXXX. I know this because I called XXXX XXXX XXXX to make the payment, who sent me to XXXX, who told me they did not have this account with me, which explains why I never received any collection activity from them. They sent me to XXXX XXXX XXXX. This debt was paid in full to XXXX XXXX XXXX on XX/XX/2001. This is not an XXXX account with XXXX XXXX. XXXX XXXX has no right to have this account listed on my credit report which is exactly why NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. Yet all XXXX XXXX XXXX XXXX XXXX XXXX Transunion, XXXX, XXXX ) continue to ignore my disputes and continue to mark it as verified as accurate. When, in reality, they can not even accurately or LEGALLY VALIDATE the account. I have reported this account multiple times and the investigation has never yielded true and accurate results. Therefore, we are well beyond the 30 day limit that the reporting agencies have to investigate, and I demand it be removed immediately! 

The inaccuracy of this account has affected my ability to get a credit card, a loan, a mortgage, and it is negatively affecting my military security clearance!
Product: Mortgage

I took out a mortgage XXXX XXXX XXXX from PNC Mortgage. I received a copy of the Promissory Note, alone with the the State of Wisconsin NOTARY PUBLIC. The document that i have received is a forge document. It is not my or my wife signature. The names are spell wrong. The document state that i appeared before XXXX XXXX XXXX on XXXX XXXX XXXX and her commission expires XXXX XXXX XXXX this is not a real NOTARY FORM. I took this loan out on XXXX XXXX XXXX. How can i appear on XXXX XXXX XXXX. PNC NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Wells Fargo Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX, XXXX  and XXXX  and to no avail did any corrections happen. It seems they get the data from the same source Wells Fargo which seems to be sending inconsistent data.
Product: Credit reporting or other personal consumer reports

Credit card - XXXX XXXX ( inquiry ) - added as an authorized user ; XXXX XXXX XXXX XXXX denial letter ) XXXX XXXX application XXXX denial letter ) Hard inquiries - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Regular inquiries - XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit Reports with XXXX, Equifax, and XXXX all have credit inquiries that I did not authorize Inquires are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bank XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon the end of my apartment lease on the agreed upon date I turned in my keys to leasing front office. Months after I received a letter that I owed a debt for the apartment carpet. I tried contacting the office manageXXXX XXXX and asked her about the charge. XXXX mentioned they changed the carpet out due to excessive pet hair. My dog has very short hair and barely ever sheds. I also vaccumed the carpet before I left and it had no pet hair, rips, or stains. I explained to XXXX that pet hair is part of normal wear and tear and I should not be charged with a whole new carpet. I also asked for proof of how much money the supposedly replaced carpet was and no one replied to me. I also asked to see the old carpet since they charged me for a new one I Wanted to see the damage the old one had. I also got no proof of that. It is very unfair and ILLEGAL to just randomly charge a tenant a whole new carpet when the tenant did not damage it. Please see proof attached of email as well as picture of carpet proof. Attached is also a video of a maintenance man coming in my home and you can see the carpet is fine. This man also took off his shirt and left it in my dirty Laundry! Also they claimed in email I did not pay pet deposit. I did not need to pay pet deposit because my dog is a service dog and they knew this. In the video, you can clearly see how the carpet was in great impeccable state. I had a XXXX  XXXX  XXXX  and a XXXX XXXX XXXX at the time so that carpet had to be squeaky clean at all times. I cant believe this company gets away with this. Is insane!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries do not belong to me nor did I authorize them : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX