23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My servicer was XXXX, I submitted an application and went through the process. My file was sent to the Underwriting Department on XX/XX/XXXX and I was expecting a decision by XX/XX/XXXX. There was a service transfer and my loan was transferred to Seterus on XX/XX/XXXX but I was not advised by XXXX until after XX/XX/XXXX when I spoke to one of the Supervisors in their Loss Mitigation Department. Seterus is now requesting for me to re-apply all over again to start the process again. It is absurd that I have to do that since I started the modification request on XX/XX/XXXX. Because of the handling of my loan and modification request I have now wasted 2 months.
Product: Checking or savings account

Very rude experience coming into the XXXX XXXXr branch in  XXXX Illinois on XXXX and XXXX, XXXX XXXX was who i dealt with. He was extremely rude and disrespectful. I told him just to close the account after he presented it as an ultimatum to me. He stood with a rude smirk on his face as i waited at the teller window to withdraw my funds. When I asked the teller if i could speak to a manager i was told no manager was available nor was an assistant available. Calling into customer service I experienced several nasty representatives and some guy that barely spoke good English from fraud prevention that kept telling me to go into a branch even after i told him i just left a branch and they were unable to help me the representative was argumentative and when i asked to speak to his supervisor he just hung up on me. The bank customer service representatives have consistently told me differently banking policies and account information. The bank refused to resolve any account problems. XXXX, senior manager of loss prevention was equally as rude and uptight. She refused to give me clear direction on what the steps were in the complaint that I filed claiming it would be put into a complaint tracker and saying to me oh well what did i want to have done. Very nasty rude people from the supervisor XXXX on down by far the worst institution I've ever went back to bank with. Worst decision ever I've made in my banking experience
Product: Credit card

Card was placed on " Fraud Early Detection Hold '' and I was not notified by the company for 36 hours. During this time I was unable to use my credit card. I feel they violated the terms of service by withholding access to my account without proper notification.
Product: Student loan

Citizen Bank is attempt again to report and collect a fraud loan and debit made from a XXXX XXXX XXXX XXXX, when I was going to XXXX and XXXX and using XXXX and XXXX XXXX. Two Both I and the Co-Signer whom also didn't agree or apply for it File XXXX  XXXX XXXX and it was discharge, I was also on SSDI and had all Student Loans Discharge CITIZENS BANK Balance {$58000.00} Balance updated XX/XX/XXXX Original balance {$57000.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Education Loan Status : Charge-off Status updated : XX/XX/XXXX Past due amount : {$58000.00} Original balance : {$57000.00} Monthly payment Old Reporting which was XXXX out and removed for XXXX XXXXRBS CITIZENS NA Balance details : Paid off Balance : XXXX Balance updated : XX/XX/XXXX Original balance : {$32000.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Education Loan Status : Charge-Off, Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated : XX/XX/XXXX Past due amount : XXXX Original balance : {$32000.00} Responsibility : Joint Account Terms : 254 Months Comments : Account information disputed by consumer Contact info XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 originally took out my mortgage with XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I received notice that my loan with XXXX had been transferred Specialized Loan Servicing ( SLS ) as of XX/XX/XXXX. I contacted SLS in early XXXX and was told that the loan transfer takes 30-60 days. In XX/XX/XXXX, I made my payment to SLS. Beginning in XX/XX/XXXX, XXXX XX/XX/XXXX, we made payments to XXXX XXXX  XXXX ( XXXX  ) time without fail or delinquency, on behalf of SLS. In early XX/XX/XXXX, I received a notice from SLS dated XX/XX/XXXX that my account number was reassigned ; Id already made my XX/XX/XXXX payment which was accepted and withdrawn from my account. When I called SLS in XXXX I was told that as of XX/XX/XXXX my payments should be made to SLS, and not XXXX  anymore. Again, I had already made my XXXX payment and it was accepted so I made my payment to SLS for the month of XXXX. Then I received notice of default and intent to foreclose dated XX/XX/XXXX for failure to pay my XXXX payment. I received the same notice again in XXXX and XXXX for failure to pay in XXXX and XXXX, respectively. Even now, my online account still reflects one missing payment. I made the XXXX payment to XXXX, employed by SLS to collect payment, and have proof of payment in the form of e-mails, confirmation numbers, and bank statements.
Product: Credit reporting or other personal consumer reports

I respectfully ask for an update to my XXXX XXXX, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone took out a XXXX credit card in my name. The bill was coming to my home this was around XXXX for {$200.00}. I didnt open the bill because I assumed it was my sons bill who is a XXXX. I called XXXX fraud protection but they could not help me because someone was paying the bill up until XXXX. I pay my credit card bills, so {$200.00} which turned into {$700.00} plus. Now this is on my credit as a charge off. I asked for proof of me having this card, which they could not prove but put this on my credit. I need this removed as I have tried to dispute this. I have never took a XXXX credit card especially for {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INFORM ALLY and the credit companys that this account does not belong to me yet they still report this as if its my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Student loan

When XXXX was handling my loans, I was told I was being put on an income based payment plan in XXXX until XXXX. Speaking with Aidvantage, who is now handling all XXXX clients, they have no documentation that I was ever on an income based loan. 

The monthly payments I was told to make by XXXX ( ~ {$370.00} per month ) were not even paying off my interest in full there for making my loan skyrocket over the years. 

Looking at my history, my loans started at $ XXXX and I paid of $ XXXX, but now Aidvantage is showing I owe $ XXXX since my monthly payment in which XXXX directed me towards were not paying off any of the principal within my loans. 

XXXX misguided me and apparently told me I was paying an income based loan, but Aidvantage is seeing otherwise. 

Now because of XXXX 's mismanagement of my loans, I have a loan bigger than I started with even when I paid off half of the original amount.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and specifically 15 U.S.C. 1692c ( c ), requiring you to cease all communication with me regarding the alleged debt associated with the account. In the amount of {$2300.00} As stated under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally obligated to stop all communication with me concerning this matter, except to : Notify me that your further collection efforts have been terminated ; Inform me of any specified remedies that may be invoked by you or the original creditor ; or Notify me of your intent to invoke a specified remedy.

Furthermore, I am formally notifying you that I consider any updates to my credit report as a form of indirect communication regarding this account. If you continue to report, update, or otherwise communicate through credit reporting agencies, I will consider this a violation of the FDCPA. 

If this account is in dispute, I reserve the right to validate or challenge its accuracy, and I expect all collection activity to be suspended as per applicable laws. Any further communication with me outside the outlined exceptions or continued reporting on my credit report will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary.

Please confirm in writing within 14 days of receiving this letter that you have complied with my request to cease all communication and activity related to this account.

You may only contact me to provide the requested confirmation or if legally required to inform me of one of the exceptions noted above. 

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX Department, I am writing to formally dispute inaccurate information on my XXXX credit report. I recently obtained a copy of my credit report and noticed the following incorrect items : Account Name : kick off lending Issue : This account is not mine, Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and correct or remove the inaccurate information. I have attached copies of supporting documents ( e.g., payment records, identity theft reports, correspondence with the creditor ) to substantiate my claim. 

Please provide a written response regarding your findings within 30 days, as required by the FCRA. If you determine that the information is correct, I request that you include a detailed explanation of your investigation process and provide proof of verification from the original creditor. 

Additionally, if the disputed information can not be verified, I request its immediate removal from my credit report. Please send me an updated copy of my credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and multiple other XXXX accounts 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 years.

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. 

I have tried numerous times to resolve this issue to no avail. XXXX has violated FCRA regulations
Product: Debt collection

This complaint is against Portfolio Recovery Associates LLC and XXXX XXXX XXXX for which there is already a Consent Order on file by your office. 

PRA obtained a judgment against XXXX in XXXX for a XXXX credit card account that was closed in XXXX. There was a subsequent appeal as the District Court did not allow XXXX to present evidence of his payments though a credit counseling service or present evidence that the statute of limitations had expired. The appellate court let the judgment stand. 

The ten-year old Judgment expired in XX/XX/XXXX and PRA did not collect due to en exemption. Now, 20 years after the junk debt was purchased by PRA they filed suit a second time and entered a new judgment for additional amounts owed. They have also threatened garnishment. 

Subsequent to the lost appeal in XXXX - XXXX was noticed in a class action suit ( i.e.XXXX ) that the Affidavits used by PRA ( XXXX XXXX ) were fake and similar to XXXX/XXXX affidavits used in the class action and the notary public was the same as in that case.
Product: Credit reporting or other personal consumer reports

My car was repossessed in the XXXX XXXX XXXX, but recovered the same day. I had no idea this was reflected on my credit report! 
The company did NOT alert me as to the disclosure of such information on my credit report.

I can legally ask the the removal of the repossession and late fee 's from this account according to 15 USC 1666B ( a ). A creditor may not treat a payment account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered a fraudulent collection account listed on my Experian, XXXX, and XXXX reports, as well as on XXXX. This misinformation is significantly impacting my credit score, hindering my job prospects, and impeding my ability to secure a car loan. I urgently require immediate resolution of this matter. Removal of collection and correction of balances, removal of XXXX
Product: Debt collection

I got a blocked call from a XXXX XXXX. I think he is a courier and process server. 

He left a phone number for XXXX XXXX XXXX, a New York debt collection company. I called the company and asked them what this was about. They said they received an account from Perfect Collection.  They said Perfect Collection received it from XXXX XXXX. They had my address as XXXX XXXX XXXX XXXX in XXXX, Wisconsin. However, they did have my correct date of birth and last four digits of my social security number. 

To be explicitly clear, I did not purchase or lease an alarm system from XXXX at all. I have not and do not live at the address listed. I have not and do not know who lives there.
Product: Debt collection

I have tried several times to contact Wells Fargo to resolve a debt that I do not believe to be mine. I need proof that this account was opened by me. I need proof of authorization and my signature. I have tried to dispute this debt several times and have paid it in full because of the impact it had on my credit.
Product: Debt collection

This regards account number XXXX on my credit report. When applying for a mortgage recently I was made aware of a collection attempt made by Diversified Consultants for a XXXX account. I was never sent any communications by Diversified in attempt to collect this invalid debt. 

I had previously opened a trial account with XXXX and a billing error resulted in it being sent to collections by XXXX and was later resolved. Now Diversified has put a collections amount on my credit report for this same invalid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), my rights under 15 U.S.C. 1681 have been violated. This law ensures that I have the right to privacy, as stated in 15 U.S.C. 1681b, which also specifies that a consumer reporting agency can not furnish information on an account without my explicit written authorization or unless permissible by law. Additionally, under 15 U.S.C. 1666b, creditors may not treat payments under an open-end consumer credit plan as late for any purpose if the payment complies with the terms of the agreement.
Product: Credit reporting or other personal consumer reports

I am not associated with the listed creditors and did not authorize these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days XX/XX/XXXX past due 30 days This is a notice to remove late payments from my consumer report. 

In accordance with Fair Credit Reporting Act Laws, the creditor " XXXX XXXX XXXXXXXX has violated my rights. 

Per Fair Credit Reporting Act Laws : 15 U.S.C. 1681 Section 603 d - Definitions ; rules of construction ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX This letter serves as a formal complaint.
Product: Student loan

Student aid reports I have no loans Nelnet continues to update the wrong information
Product: Checking or savings account

I just got in the mail checks from TD bank and I have never opened an account with them. The name and address on the account is me, but the phone number is one I've never seen. I've been trying to get through to TD bank but their customer service requires me to have an account to talk to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I had checking and savings accounts with Bank of America for years. In XX/XX/2018, I closed out my last remaining accounts. Every month since XX/XX/2018, Bank of America has been withdrawing {$500.00} from my XXXX XXXX XXXX checking account around the XXXX or XXXX day of the month, and returning it to my XXXX XXXX XXXX account anywhere from 3-5 days later. 

I have spoken with Bank of America representatives on multiple occasions, and so has my wife in order to try to get the issue resolved. Bank of America representatives always act like they are investigating it, but nothing ever happens as a result, even when we call to follow up days later. 

The first time I discussed the situation with Bank of America, they told me that there was nothing they could do, and that I should have XXXX XXXX XXXX put a stop-payment on my checking account for the recurring transaction. I've spoken with representatives at XXXX XXXX XXXX, and they told me that they could put a stop-payment on, but that there is a fee associated with it, and that I would be better off resolving with Bank of America. 

Each month I have multiple credit card payments due on the XXXX and the XXXX day, and each month I come dangerously close to over-drafting on my account and risk multiple non-sufficient funds fees as a result of Bank of America withdrawing money monthly. I honestly have no idea what they are doing with the money, but I have told them that the transaction is not authorized. It's unacceptable that an institution of that size is unable to assist in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

after running my credit report I noticed that the navient company had not properly reported or recorded my loan being in forbearance, instead they recorded it as being late for several months for almost a year, after having this loan for almost ten years any time that I was having financial issues I would simply request a forbearance or deferment that was never contested and always approved, the company investigated and came back saying the info was accurate. at the time I requested the forbearance I was informed that the call was monitored and recorded. so there should be record of my request and a re-investgation should be done for the phone records to let the record show that I in fact did request the forbaerance acct # XXXX
Product: Debt collection

I have never had an account with this creditor, this is not my billing address and I checked all 3 credit bureaus for any collections reported. This is identity fraud. This vendor is claiming false debt to obtain personal information on people.