23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2022 To who it may concern, I got switched to a new lender in XXXX ( Specialized Loan Servicing ) and called because I had questions regarding my payments since I had auto pay with my last lender ( XXXX  ) so I had to get my new account number from Specialized Loan Servicing to make my payment. During that process I called and spoke with them everything was fine, they told me how much I was going to owe every month and what specific day it would be best for me them to take money out since I was enrolling to auto pay with them as well. For the month of XXXX I saw they took out {$3500.00} from my account, I had called and spoke with them once again regarding what was going on and why they were taking so much money out. They started out saying I had late payments, and other fees but they never told me about any late fees or sent any papers regarding late payments or any fees. I spoke with a representative of Specialized Loan Servicing for the XXXX time regarding this situation on XX/XX/2022 who mentioned that it was a misunderstanding and that I should be refunded a total of {$3500.00}, since I do not have any late charges from my previous lender ( XXXX  ) statement XXXX. Showing {$590.00} payment from the last month period I had with them.
Product: Mortgage

We have been trying to resolve this with trying to sell the property as they offer us a repayment plan that is not affordable to us of {$10000.00}. The investor wanted us to be reviewed for a retention option and with our income we can not afford the payment they were proposing. A BPO was completed and the value came back at {$540000.00} which the buyer was willing to amend the contract for the appraised value. We were then informed that the investor wants a full payoff which is over a {$1.00} XXXX. The property is not worth a XXXX and unfortunately the purchaser is not willing to purchase a property that is not worth the payoff.. Our realtor submitted for exception with the SPS and it was still denied. We just want this to be over and done with. They also placed an auction as we were going through the process. All the documents were submitted prior to them placing the auction.We just want to move on from this and not lose our home to foreclosure
Product: Debt collection

I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Creditt Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. C 1681 Section 602 A. States that I have a right to privacy.

Also, 15 U. S. C 1681 Section 604 A. Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.

Also, 15 U. S. C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more then 7 years.

Lastly, 15 U. S. C 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/year> Contacted XXXX Midland Credit Management explained they are calling wrong number and wrong person. I have told them this several times. I do not have an account with them. I am not the person they are trying to reach and do not know who that person is.They continue to call my home daily. Other numbers they are calling from : XXXX, XXXX and XXXX. They have been calling my cell number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report
containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have received robocalls on my home and more recently cell phone at least 3 or 4 times a day, from a rotating set of numbers. This includes, but is not limited to : ( XXXX ) XXXX, ( XXXX  ) XXXX, ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX  ) -XXXX and many many many others. It appears the culprit is a company called " Portfolio Recovery, '' a debt collection company. Some of these lines use caller ID spoofing, or block it entirely so it's blank or just the phone number itself.

Aside from a mortgage, which is paid on time, I have no debt. They are claiming I have some, they're implying they will take action against me to collect and making vague threats.

Additionally, my phone numbers were added to the national " Do Not Call '' registry.

They are persistent and annoying.
Product: Checking or savings account

E-Trade has completely removed access to all of my records for a checking account I closed with them. There are no statements online for the checking account. The only thing accessible is Brokerage account statements for an IRA that I closed with them as well. I need these records for potential upcoming legal matters and request IMMEDIATE ACCESS to all of my checking account statements from E-Trade. I contacted the organization and did a " screen share '' with one of their reps. She was unhelpful and couldn't figure out why the statements were no longer there.
Product: Checking or savings account

I originally opened this account with   XXXX   XXXX  , as a maintenance free savings account,  XXXX  was bought out by  XXXX  and the savings account continued. Both the saving and checking account remained under the agreement.     Suntrust bought out  XXXX  years ago and then took on my saving contract which is a no maintenance free account with no fee charge. The only stipulation is that I allow the transfer of  XXXX  dollars per month on or about the  XXXX  of each month from my checking to my savings. This contract and policy has been in place since its inception.     Mysteriously Suntrust started removing  XXXX  dollars a month from my savings account earlier this year, claiming a monthly statement fee. I have not requested a monthly statement, nor agreed to a monthly statement fee. SunTrust is creating this with out my request.     I wrote to Suntrust about it and also filed a complaint here with the CFPB, and initially they refunded the   XX/XX/XXXX  month of unrequited statement fees but have since started charging me  XXXX  dollars a month for a service I have not requested. I then sent another email to SunTrust asking them to stop taking money from me, but they continue to fleece my savings account for non requested services.
Product: Vehicle loan or lease

These people appied my car payment of XX/XX/2019 to another account although I made the payment with their rep. they also charged a extra fee of {$10.00} .... 

Please help ... I have attached the payment slip from my bank.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXXXXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

For many years now I have been asking credit bureaus and collection agencies to provide proof that these fraud accounts belong to me and asking both credit bureaus and collection to remove these fraud accounts from my credit reports and nothing has been done. I submitted a police report several times in the best still nothing has been done to assist me. I have gotten letters from credit bureaus indicating my personal information from XXXX, XXXX, XXXX XXXX XXXX, XXXX and other companies stating my information, data, and identity was exposed in data breaches and is on the dark web. This is not fair not right that I keep asking both credit bureaus and collection to delete, remove these fraud account to clear fraud accounts and nothing is being done. This has been ongoing since 2014, and I have put XXXX alerts on my files and still my identity is being used and continuously exposed.
Product: Mortgage

I closed on my house XX/XX/year>. My closing attorney called me XX/XX/year> to inform me my XXXX XXXX property taxes were unpaid and late. I called State Home Mortgage on that same day to tell them my property taxes were late and needed to be paid. The person I spoke to told me they didn't think they were late yet. He was wrong and I told him it was due XX/XX/year>. I was told they would be paid. On XX/XX/year>, I called State Home Mortgage again since the taxes still weren't paid. They told me I didn't have to keep calling, they would pay the taxes, and I wouldn't pay any of the fees and penalties that are accruing. It is XXXX XXXX and the property taxes still haven't been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm asking for this help because I'm new to the country. I've been around a year or so and since I knew that when a loan is requested, a hard inquiry is made, I have several and I would like to know if there was a possibility that they could take them away from me since this is causing my credit score is not progressing as I would like. That is why I ask for your guidance and support. Thank you so much
Product: Vehicle loan or lease

I have a loan with PENTAGON FEDERAL CRE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and PENTAGON FEDERAL CRE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting 2 inaccurate accounts and they refuse to remove them. This accounts do not belong on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX. I demand they actually documents used to state these account belong to me. You have 7 days from the filing of this complaint to turn it over or I am filing a lawsuit because you are causing me problems. Experian I have already filed a lawsuit against you.
Product: Debt collection

I saw an account reported to my credit report for {$160.00}, I called the agency and advised I had never been notified of this, I was told that the debt is from XXXX and that a notice was sent in XX/XX/XXXX. They told me they sent it to the address I currently reside at but the fact is I didn't reside at the address in XXXX when they say they sent it.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Credit Protection Associates. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Student loan

My student loans ( Sallie Mae ) are reporting as charge-offs on my XXXX credit report. I applied for forbearance and was approved. I received an alert from XXXX and noticed my credit score was greatly impacted due to my student loans reporting incorrectly. I 'm confused because on credit bureau is reporting them as charge off, XXXX is reporting them as positive Installments, and XXXX has deleted them entirely. I 'm not certain which credit bureau is reporting correctly. I 'm not certain what to do at this time. Within the last year, I have been paying my bills in a timely manner. My credit score has decreased from a XXXX to a XXXX. Please help by forwarding my complaint to the correct party. The credit bureaus are reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Transunion and XXXX regarding the recommendation from a magistrate as well as an order of dismissal from a judge in XXXX XXXX, Florida. I requested deletion of a fraudulent account that was placed in my name. The court has ruled that XXXX was unable to provide a written contract between myself and the company to the court. Subsequently, the court dismissed the lawsuit attempting to recover funds from me regarding an account that was not my responsibility. 

All of the credit bureaus have refused to delete this tradeline off of my account even though I have provided them the attached court order. This is WRONG. They are claiming they " investigated '' the account on my report. There is nothing to investigate. The court dismissed the suit.
Product: Checking or savings account

i went to make a phone payment to a company. after i initiated this payment, i got a text msg telling me the payment was not accepted. it was declined. i immediately contacted the company i was making the payment to. and told them since i received notice that payment did not go thru, i made alternate plans to pay, outside of the bank i was using, wells fargo. 

later that evening, the next day, wells fargo was no longer declining this and pulled the {$450.00}. i nor the company re-initiated a payment request. 

when i told wells fargo this is their own error, as i only did the right thing contacting the company, telling them it was declined, made other arrangements, etc., thats done. i can not go back. thats over. 

unfortunately it was not over for wells fargo, they sent payment now telling me to dispute unauthorized transactions, and this is being treated and denied, as if there is some fault of my own, it is not. wells fargo was not to send this payment after telling me they declined it. now they wont give it back and me and the company are good, weve settled the payment. wells fargo needs to give me my money back.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am writing this letter in regards to my consumer report and pursuant to 15 U.S.C subsection B which addresses permissible purposes for obtaining consumer information. i want to express my deep concern about late payments on my consumer report which were furnished by EXPERIAN and XXXX XXXX XXXX without my written consent. I never gave experian and XXXX XXXX XXXX permission to provide information about late payments on my consumer report. The inclusion of these late payments has caused me significant mental strain and distress. i firmly believe that my nonpublic personal financial information should not be shared with anyone without my explicit consent. I kindly request that experian and family support divison take immediate action to remove the late payments or update them as paid as agreed on my consumer report which I would really perfer. if these late payments are not removed or updated to paid as agreed then I have no choice but to pursue legal action against EXPERIAN I believe I have the right to accurate and fair reporting on my credit history. and the inclusion of unauthorized late payments is a serious matter. I also feel like Family support divison is also violating my rights by not using my consumer report improperly federal law states that the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for ANY other purpose. in subsection A. it also states that the consumer report is needed for the purpose of establishing an individuals capacity to make XXXX XXXX XXXX, determining the appropriate level of such payments, or XXXX XXXX XXXX XXXX XXXX, award, agreement, or judgment ; NO WHERE IN SUBSECTION A DOES IT STATE REPORTING LATE PAYMENTS so therefore my consumer rights is being violated. thank you for your attention to this urgent matter i look forward to your prompt response and a resolution that upholds the principles of fair and accurate reporting. i would appreciate receiving written confirmation of any changes
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX  security breach, I froze my credit reports at all 3 major agencies XXXX, XXXX  and Experian. Now, I am trying to secure a mortgage and i have been able to lift the security freeze at XXXX  and XXXX. 

However, Experian has made it excessively difficult to remove the freeze. I have tried to do so on-line and I have repeatedly tried to call them but can't get past their automated system. It is supposed to require only a phone call to lift a security freeze.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> FAIR COLLECTIONS & O added a derogatory mark to my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, FAIR COLLECTIONS & O violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

Affirm has yet to fix their issues when it comes to applying for hardships. Everything still times out. Were now in XXXX and theyre still having issues and have yet to rectify anything. 
On top of this I get an insane amount of phone calls everyday from Affirm about past due loans that they know I am facing a financial hardship and can not pay right now.

I was deceived into trying to apply for hardship by several employees and when I brought up the time out issues it took them over 2-3 weeks to tell me I dont qualify even though I was never able to get an application through.

And as of 6 weeks ago people were getting triple and quadruple charged on their accounts, thankfully I removed my banking information before this happened because this would have been absolutely detrimental to my family.

Ive had over 30 phone calls from spoofed numbers from Affirm in the last week or so.
Product: Credit reporting or other personal consumer reports

There are 15 student 's loans reported by XXXX XXXX to Experian Credit bureau with multiple discrepancies. Experian and XXXX unable to validate the loans. most recently I checked XXXXXXXX XXXX  website the loans on its website is XXXX, XXXX. Experian had reported XXXX on my credit. Multiple calls to XXXX XXXX XXXX and Experian with unsuccessful result. No one wanted to update the information.
Product: Credit card

I have two credit cards opened with Capital One. When I got XXXX  in XXXX  I was told there is a SCRA law of how much interest a servicemember can be charged. When submitted the documents needed to apply I recieved a a document stating I was declined on XX/XX/year> for both cards.