23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XX/XX/XXXX Specialized Loan Servicing Correspondence Department XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX  Loan Account # XXXX As instructed, I am writing for a complete financial review of the referenced account for property XXXX XXXX XXXX XXXX New York XXXX owned by XXXX and XXXX XXXX and serviced by Specialized Loan Servicing. 

This is the latest in a series of calls, faxes, and letters concerning this matter. As recently as yesterday, I received a call early in the morning from SLS stating that the account is delinquent. This despite proof that payments have been made on time and complete since the origination of this loan in XX/XX/XXXX. 

I have repeatedly requested someone with a name and title to speak to from SLS.  This has been denied in favor of a series of calls from customer service stating delinquency and asking what my intent is for the property? 

Despite having copies of the front and backs of checks cashed by SLS and the TD checking account bank statements ( total of 10 checks for the months of XX/XX/XXXX XX/XX/XXXX ), I have been repeatedly asked for check numbers and amounts! 

Update XX/XX/XXXX - 11th check dated XX/XX/XXXX received and cashed by SLS. 

Finally, the few account statements that I have received are contradictory and inconsistent. I have been having this discussion with SLS all year. 

I am tired of getting the runaround have been seeking a alternative, reputable financial institution to take over this mortgage. Until then, this matter must be resolved. 

Ask that the abuse stops and that someone responsible at SLS contact me at XXXX or XXXX. after they have reviewed the original loan documents, payments received, and all correspondence. 



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

There are 6 accounts that are on my credit report that do not belong to they are not mine I have not signed or approved these. They are not mine!!!! I have been disputing these since XX/XX/XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX/XXXX - Acct # XXXX XXXX {$2600.00} XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$21000.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9900.00} XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXXXXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Money transfer, virtual currency, or money service

On XX/XX/23 my husband and I were sent wire instructions from what appeared to be our lender ( email name, signature, and specific details of our escrow payments listed ). We wired the remaining of our down payment- only to then find out- it was a scam. Years of savings, years of hard work, a future for our XXXX little children gone. Police report was filed, FBI agent on case. complaint has been sent to XXXX  XXXX XXXX ( bank the fraudulent account and wire instructions were from. Formal complaint now to our bank StarOne Credit Union. Whom branch manager asked to recall the funds but no further action or information relayed to us in this financial hardship and devastating time. It's a huge sum of money. Almost XXXX us unable to be traced?? If we can not trust our financial intuition to protect our money- who do we trust? Americans deserve more from our banks.
Product: Credit reporting

i was a victim of identity theft. i have a fraud alert on my XXXX credit bureaus. i have had no problems at all with XXXX and XXXX.i supplied necessary documentation to all XXXX including police report and a afftidavid from FTC. I am trying to get XXXX inquiries off of my credit report with equifax and they are refusing to remove them they tell me they are factual. well of course they are factual any one with someones info can apply to any company. The company doesnt have no idea if its really the correct person or not. XXXX and XXXX have deleted all of the fraudulent inquiries. Exuifax has told me that i would have to call each creditor who put inquiery on my credit and have them remove them. Well i did that and they all told me the same thing EQUIFAX is the ONLY ones that can remove from my credit report. so i went to dispute all my inquiries on line and to my amazement you CAN dispute inquiries online. so i did this and put reason as fraudulant inquiry. Well then they send me notification that investigation complete in less than 24 hours. and states inquiries will not be removed. I am at my wits end with this company. all the accounts that were on my credit due to fraud were all removed as well as all my inquiries from XXXX and XXXX but equifax continues to fight me on this. seems i will need to get attorney involved now. any help you all can do would be very much appriciated. this whole thing has been very time consuming and im running out of patience with equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a Security Freeze on my Experian account on XX/XX/2017. I tried to lift the freeze, with my current and correct address and PIN for the freeze. The Experian system will not lift the freeze. I attempted to lift the security freeze through their seconday online system and was denied. The only option to lift the freeze is to mail my information to Experian. 

I am a US military member preparing to transfer from XXXX to California in the next week. I went on the Experian website and signed up for a free account, I was able to view my credit report. I was also able to see that I have a security freeze on my credit report. I am not able to find support for removing my security freeze other than mailing my information to Texas. 

When my family returns to the United States in the coming week we need to purchase cell phones and cars. I am afraid I will have to buy the cell phones because of the security freeze, I will not be able to use the cell phone company credit. I have searched the internet for phone numbers to call Experian, I can only find numbers for automated systems that do not help in my situation. I can not find a means to contact Experian other than by mail. 

I am frustrated with Experian and the non-availability to contact their organization.
Product: Credit card

I have a credit card with Capital One. I have found that I was being charged interest despite not making cash advances and paying in full each month. When making my most recent payment I realized that the payment option for " Remaining Statement Balance '' subtracts the amount of scheduled future payments with autopay, in this example the minimum due. At the end of the process to submit the payment, it prompts you with the option to cancel the pending autopay payment. This chain of events causes the payment created for the " Remaining Statement Balance '' to be less than the Statement balance and charges accrued interest. I believe this is deliberately deceptive and may be affecting a significant portion of their customers who attemp to pay in full. I may not have caught this if I hadn't stopped all transactions after reviewing Statements and finding inappropriate interest charges.
Product: Credit card

I paid {$2000.00} on a balance of {$2200.00} on my AE Synchrony Bank credit card on XXXX XXXX, 2016. It has been 8 days, and my available to spend is still {$0.00} dollars. 
I am being punished for paying my card balance off each month. 
I have been making large electronic payments twice a month, every month. They have always posted the payments the very next day, and cleared my Checking account the next day. This time, however, they are holding the payment for no apparent reason - even thought it shows they received it on XXXX/XXXX/16, and also cleared my checking account on XXXX/XXXX/16. When I spoke to them on XXXX/XXXX/16, they had no explanation as to why, and they refused to help me. As of today, XXXX/XXXX/16, I still do not have this available credit.
Product: Debt collection

For context : In XXXX I was charged {$300.00} for turning my keys 1 hour late, the lease ended at XXXX XXXX. I wasn't even living at the apartment by the move-out date. Nowhere in the original XXXX contract there was mention of that fee. The apartment complex name is XXXX XXXX 

Now in XX/XX/XXXX, I see {$300.00} debt collection in my credit report from Recovery Solutions. I contacted XXXX XXXX and they told me they sold the {$300.00} debt to Rent Recovery Solutions a few years ago. Additionally, they told me that they see a {$150.00} credit on my account with XXXX XXXX and they will be sending that amount to Rent Recovery Solutions so the total owed is only {$150.00}. 

Me believing the debt is invalid, I sent a letter to Rent Recovery Solutions on XX/XX/XXXX asking for them to validate the debt. They replied to my letter claiming I owe over {$1200.00} and showed charges completely unrelated to me. I immediately contacted XXXX XXXX to which they confirmed that debt is not mine and it has to be a mistake or a scam. I attached the email from the property manager. 

Rent Recovery Solutions is fraudulently claiming that I owe them {$1200.00}, these charges are completely unrelated to me. I was recommended to sent a letter to the CFPB, but not sure if I should file a police report as well. 

Attached are : 1 ) Fraudulent Letter I received from Rent Recovery Solutions claiming I owe {$1200.00}. 
2 ) Email from XXXX XXXX property manager confirming I only owe {$150.00} ( even though I believe this debt is invalid ). 
XXXX ) My response to Rent Recovery Solutions ' Letter. 
XXXX ) The original letter I sent to Rent Recovery Solutions back in XXXX. 
XXXX ) Original XXXX lease signed showing no mention of {$300.00} fee. 

Issue summary : Rent Recovery Solutions is fraudulently claiming that I owe them {$1200.00}. These charges are unrelated to me, and the original {$300.00} debt ( now reduced to {$150.00} ) is also disputed, as it was not mentioned in my original lease agreement.
Product: Checking or savings account

i got out of the hospital treatment facility because im a XXXX  XXXX XXXX patient, upon getting out i found out my bank had been accessed and drained while i underwent treatment, in the sum of almost XXXX XXXX and right away i called chime. the rep who i spoke with went thru every transaction, filed disputes and closed my card and re issued and froze the account access online per my request. so now the waiting game. when the disputes finally started getting resolved everything was approved and credited all the way to the day i went into the hospital, except two disputes, dispute numbered XXXX, and XXXX the completion date was XX/XX/XXXX which would of been the 60 days. i called in when the XXXX showed that my deposits went in and XXXX $ was missing from # XXXX where they claimed it was cancelled already and prior credited. upon researching i found it indeed was not. so i called and a rep named XXXX was on the phone with me trying to get it resolved when i got an email saying that my dispute has been filed???? what dispute? so i opened my app, again with a rep on the line still, and it showed my XXXX $ was removed and the claim just paid out was now reopened and the money that i just waited almost 3 months for to be returned had vanished. i asked her what the heck was happening and she said i dont know but i saw that too and dont worry i will create a ticket on both of these issues that happened because i see all the documentation and what i just witnessed i got your back and will get this credited back within 48 hours. well fast forward to three supervisors, eight reps and countless hours on hold with nobody ACTUALLY RESOLVING anything and for me to be told several times on recorded calls that it will be credited 24-48 hours. well, yeah that never happened, actually the claim got denied. so you deny a claim of my money being sent thru your pay anyone and approve the XXXX $ transaction just five minutes prior to the one you denied ... hows that. well a rep said they will have documents sent and id receive it the next day but still as of 8 days later, have not received them. because there isnt any. regulation E is never followed, the terms are never followed by them and no reps listen its crazy, until you showed up. i have all calls, documents, and proof of theft, but yet they say it will be resolved 45 days later, even though it was just completed on the XXXX of XXXX. so im writing to ask can you get my money back they are refusing to follow there own rules and terms of having a bank with them and now they are denying things that they never even investigated. it A FACT! i called and no reply on the situation. 

case XXXX for the amount of {$8100.00} and XXXX for the amount of {$150.00} both of which they are not following guildlines. and still have not issued my money back. thank you and god bless you guys!
Product: Credit reporting or other personal consumer reports

Hello. Ive tried over the course of the last several months. To contact XXXX FICO SCORE XXXX COMPANY, in regards to my XXXX  Score being significantly inaccurate and lower than my XXXX & TransUnion credit reports. 

I am a XXXX & XXXX respectively. 
However XXXX reports a staggering XXXX FICO SCORE XXXX Report within their agency. 

This is not a small difference, but an entire XXXX XXXX and XXXX points worth of inaccuracy. I need this urgently resolved please and thank you. 

I have no outstanding debts and owe at most. XXXX $ & XXXX $ to collections and recently resolved and settled a claim for XXXX dollars. I have been rebuilding my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. & this report is affecting my life. & my ability to gain capital as well as interfering with my inquiries for a new car & future living spaces. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Under section 609 of the FCRA, a consumer reporting agency must, upon a consumer 's request, disclose to the consumer information in the consumer 's file.

FCRA section 607 ( b ) provides that [ w ] henever 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions.
Product: Credit card

I opened a Secured Credit Card with Capitol one, they received my deposit of XXXX dollars, on XXXX/XXXX/XXXX, they sent me a Card ( XXXX ), on or around XXXX/XXXX/XXXX I was notified that my deposit was not on record, and my account was going to be closed, I called then on XXXX/XXXX/XXXX and was told to disregard the letter account is in good standing, on XXXX/XXXX/XXXX the card was closed, I called then and they acknowledged it was a error and reinstated it ... again on XXXX/XXXX/XXXX it was re-closed and is no longer allowed to be re-activated, I was charged a yeary fee of XXXX just prior to closing, i Received a letter from them on XXXX/XXXX/XXXX stating by my request it was closed, absolutely false! 
and they reported it to my credit file as via my request? 
As of today XXXX/XXXX/XXXX I am without my XXXX dollar deposit, nor do I have a credit account, and their action dropped my credit score, they also in XXXX XXXX, inquired into my credit file with reporting agency over 14 times, causing excessive inquiries on my file, and I was declined for credit by them during this time due to too many inquiries ... 


As you can see via the letter dated on XXXX/XXXX/XXXX over a 12 month period of date prior, they 1 year later said they did not have my deposit??? / help
Product: Student loan

Navient isn't willing to work with me on the payments, they are charging me per month more than what i make in 2 weeks. I'm currently trying to get my loans switched over to another company but no luck so far. I  tried to get to lowered based on my income back on XX/XX/XXXX but they weren't willing to work with me. They lowered it from XXXX to XXXX but people making a lot more with other companies are only paying XXXX or less.
Product: Credit reporting or other personal consumer reports

Called the consumer credit line and requested the review and removal unauthorized inquiries made by these companies Feb Destiny ( concord credit ) inquiry : XXXX. XXXX, XXXX unauthorized inquiry XXXX XXXX inquiry : XX/XX/2024 did not contact this company no number found on credit report only address XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX  made an unauthorized inquiry on XXXX XXXX called this company and the automated service advised to call the credit bureaus for dispute XXXX XXXX Location XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX inquiry Requested On XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect report of lates is harming my credit score and these line items need to be removed from my credit report I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN COMPLIANCE DEPT RE : NOTICE XXXX Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statutes Reference number XXXX Record type XXXX XXXX XXXXXXXX filed XXXX XXXX XXXX XXXX XXXX XXXX A Reference number XXXX Record type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). 

Experian is in violation of the GLBA GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses