23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

CMC Loan Servicing gave me loan numbers for two of my mortgages with them when they bought my loans. I then set up automatic payments using those loan numbers. They then switched the loan numbers without giving me any notice of the change. So, my automatic payments were going to the old loan numbers. They then turned around and said I have not paid for two months. I called in and explained what happened. They assured me that they would take care of it, but did not. Then I had my bank call them and showed them proof of payments. They said they would fix it, they did not. Now I just received a Notice to Foreclose on those 2 properties. I called them back. No one returns my calls. This is by far the most horrible company I have ever done business with. My next call is to a lawyer. The one after that to all the regulatory agencies I can find to let them know what they are doing. For XXXX XXXX XXXX. XXXX, MS , the first house, the old loan number is XXXX. The new loan number is XXXX. For XXXX XXXX XXXX XXXX, MS the old loan number is XXXX. The new loan number is XXXX. The payments that according to them I did not pay are for XXXX and XXXX, but I did pay them. They have also negatively impacted my credit score because of this.
Product: Credit card or prepaid card

I have a couple pay cards they are wisley with same company i have been asking for i itemized statement of my cards activity s. Since XX/XX/XXXX i have called several times and have not received them. Its important that i receive them i have called more than 20 times. my cards are from people ready. XXXX and dep com XXXX. ( My transaction statements ) Need this info asap
Product: Credit reporting, credit repair services, or other personal consumer reports

This organization is in violation of XXXX USC 1692 Subchapter V. 

Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. 

This organization is in violation of Furnishing certain deceptive forms. 

15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

The false representation or implication that documents are legal process.
Product: Mortgage

I refinanced my loan within the past 2 months and have been giving a new loan servicer called Specialized Loan Servicing. While becoming familiar with their website I clicked a button for " payoff quote '' and and then " continue '' and was assessed a {$25.00} fee without any warning or prompt that I would be assessed a fee. There is nothing on the website that says this fee will be assessed. I did not need a pay off quote, but was merely exploring the website. I called for help at SLS and spoke to a person who said she would not waive the fee and then kept me on hold for over 30+ minutes I attached the screen that is displayed when " Payoff Quote '' is clicked. 

The servicer is called : Specialized Loan Servicing LLC : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX XXXX Monday through Friday, XXXX XXXX until XXXX XXXX. MT,
Product: Debt collection

I am writing to file a complaint against Hunter Warfield a collection agency, and XXXX XXXX for fraud. They are trying to collect money from false testimony from XXXX XXXX and her Assistant Manager. This is in retaliation to a lawsuit I filed against them for endagering my safety and bullying behavior. My rent was paid in full as all my rent receipts will prove. In addition, I left the apartment clean, and they are adding charges out of retaltion. I have pictures and witnesses that the apartment was clean. I would like to press charges against both Hunter Warfield, and XXXX for fraud and trying to ruin my credit report and future rental applications with other companies,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my credit report and saw many unauthorized credit report inquires. One of them being Citi bank on XX/XX/2021 and XX/XX/2021. I recently was a victims of mail theft in which they were able to obtain my birth certificate and VA letter containing my SSN along with other mail. They stated they would flag the application as fraud and would send me a packet in the mail stating it was canceled. However, I still have this fraudulent credit report check on my credit that I did not authorize. I have made a police report of the identity theft with the local police as well as the FTC. There is currently a freeze on my credit report that I have placed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written request to get copies of my consumer report, my identity has been compromise in pass data breaches, I may have account in my file that do not belong to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

on X/X/2017 I sent equifax, XXXX XXXX proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided Equifax, XXXX XXXX with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.
Product: Credit card or prepaid card

Hi, I opened the secured credit card from Wells Fargo in XX/XX/2014. I was told at that time that by creating the history with this secured credit card which was my first credit card I would build up my history and then after I could show how good lender I am I could release my secured credit card and upgrade it to a unsecured credit card which is a normal routing credit card. At that time, I have had no history and as a international student who knows just one bank, Wells Fargo, which is located at my university I heard what they told me and open the secured credit card in XX/XX/2014 with Wells Fargo. 

Now, after almost 4 years of having this secured credit card and pay more than {$100.00} of fees to obtain the card each year my credit card has not been upgraded yet. My credit score is excellent now, I have had no late payment and I always use less than 10-30 % of  my credit line. I have credit cards from XXXX and XXXX XXXX and have more than {$15000.00} of credit line in total. I receive offers from different credit cards each week as well. I called Wells Fargo many times and went to their different branches to request for upgrading but they just decline and the only reason they sometimes provide is that I am not Citizen neither Permanent resident in US which is not supposed to be a problem since I have Social Security card and I have different credit cards from different credit card issuer. I even asked to at least pay me back the entire fees that I have paid since XX/XX/2014 which is {$120.00} and wave the fees for the future to worth for me to obtain the credit card but they did not do that as well. 

I would appreciate it if you can follow up my issue to either upgrade my credit card to unsecured or pay me back the fees. 

Thanks.
Product: Credit reporting or other personal consumer reports

please delete the unauthorized inquires here 's the lists \ XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

other XXXX XXXX XXXX XX/XX/XXXX {$4500.00} credit card XXXX XXXX  XXXX XX/XX/XXXX {$85.00} credit card WELLS FARGO XXXX XX/XX/XXXX {$7100.00} credit card XXXX XXXX XX/XX/XXXX {$1400.00} credit card XXXX XXXX XX/XX/XXXX {$7600.00}
Product: Debt collection

The entire debt was settled back in XXXX of 2018 over the phone. They will not stop calling me and sending mail to my home. THIS NEEDS TO STOP NOW.
Product: Credit reporting or other personal consumer reports

on my XXXX Inquiry details XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these two inquiry 's I don't remember making I did make an inquiry with XXXXXXXX XXXXk but they already have 2 on my report then these on my Equifax nredit I don't recall XXXX at all and other three I received no bredit cards from XXXX listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have no money and requested a fax number or email to submit my dispute timely. That not being provided with other factors I will not burden this complaint with and resulting in me holding a dispute letter and unable to financially take action that would assure receipt by Continental Crefit Control by XX/XX/2023 or they move forward against me. They have XXXX recordings or more where I state I dispute and am 100 % not financially responsible AND as a XXXX copay XXXX member in CA am not allowed to pay for those services. 

As stated, I am a XXXX XXXX recipient with a XXXX copay. I have no money and XXXX XXXX along with those from XXXX, XXXX and CA XXXX do not believe XXXX was ever billed, and a subset of those mentioned including XXXX, XXXX think the codes were potentially changed but I dont have anything else in that. I spoke to XXXX at CA XXXX he said this should be simple ..a XXXX conversation. 
Note : All services I receive are fully authorized before received and I double check 10 % of the time to ensure no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not updating since XX/XX/2023, just trying to get them to update my balance/ credit limit. 

XXXX sent new cycle and information to TransUnion but still no update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the each credit bureau XXXX, TransUnion, and XXXX to resolve identity theft dispute but TransUnion sent letter stating they would not process my dispute after I sent identity theft report and police report and dispute letter. XXXX stated they could not find a credit report under my ssn XXXX and has two or third fraudulent credit profiles under my name. XXXX received and accepted but did not remove fraudulent accounts. 

Here are the accounts below that were opened fraudulent. 

Bankruptcy Chapter XXXX discharge Reference XXXX Amount {$0.00} XXXX / XXXX- Balance {$2700.00} XXXX / XXXX- Balance {$0.00} Dept of Education/ XXXX XXXX Balance {$6800.00} XXXX - Balance {$1200.00}
Product: Mortgage

I was preapproved for a mortgage with New American XXXX on XX/XX/23 or before for a newly built home. The initial appraisal was completed on XX/XX/23 with a set closing day of XX/XX/23. I have sold my previous home, now myself and my XXXX kids are now homeless because New American XXXX didnt have the loan ready on closing day, they arent keeping me informed of the process and now I have sold my current home and they dont have a exact answer on what day I will be closing on my new home. 

I originally withdrew from it because of fear of retaliation, but this company deserves the consequences. 

This is by far the worst, unprofessional, unprepared, and irresponsible company Ive worked with. 

When my agent spoke to XXXX XXXX Friday morning they discussed compensation for my family and the focus to getting this deal funding on Friday XXXX. To no avail that timeline went through the window and the deal has just been funded today XXXX In that time my family XXXX kids had to stay in a hotel room because of issues created by your New American The lender fee in the amount of {$1600.00} because the service they were paying for clearly wasnt completed in a professional and timely manner. On top of both of those things, XXXX should also be willing to compensate for my family pain and suffering which I will leave for you to discuss with company superiors.
Product: Credit card or prepaid card

On XXXX XXXX, 2020 I made a purchase to XX/XX/XXXX using my Paypal Credit card in the amount of {$58.00}. The transaction successfully went through on XXXX XXXX and posted to my Paypal account on XXXX XXXX, 2020. 

On XXXX XXXX, 2020 I checked my Paypal credit account and there was a message for me to contact customer service regarding my account. I called customer service and was informed that my account had been closed due to inactivity. Very shocking to me because I had just made a purchase. The manager I spoke acknowledged the recent transaction made and she gave me a {$25.00} credit on my account for the inconvenience and told me unfortunately she couldn't reactivate my account and told me the she was going to enter a dispute on my behalf but knew it wasn't going to get resolved.

Please help. I do not want this to have a negative impact to my credit score. 

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

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Synerprise Consulting Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide detailed documentation to substantiate your claim, including : 1. The name and address of the original creditor.

2. A detailed explanation of the debt, including the original amount, any fees or interest added, and a breakdown of how the amount was calculated.

3. Verification that you are legally authorized to collect this debt, including a copy of any assignment or transfer of rights.

4. A copy of any agreement or contract that I allegedly signed with the original creditor.

Additionally, I reject any request to provide my wet signature, Social Security number, date of birth, or a copy of my drivers license as part of this process. These items are not required under federal law for debt validation and could expose me to identity theft or fraud.

As outlined in 15 U.S.C. 1692c, I request that all future communications regarding this matter be made in writing to the address listed above. 



Please note that under the FDCPA, any attempt to collect this debt without properly validating it may constitute a violation of federal law.

I am also requesting a copy of that 1099C that I did not receive therefore, this account is inaccurate And is not how youre reporting it on my credit report and I am going to sue you for statutory damages that is fraud I will report this company to irs This is not an acknowledgment of the validity of this alleged debt, nor is it a refusal to pay. It is a request for information. I expect your timely compliance with this request within the legally mandated timeframe.
Product: Mortgage

1. I was approved and in process for a refi with XXXX but it was taking too long.

2. I approached my existing lender ( Chase ) and asked them if they would refi my 4.125 % 30 year and match XXXX XXXX rate of 2.5 % 0 points. They agreed to match the rate and points. During the process I was in an conditional approval state.

3. I started the process in the beginning of XXXX  XXXX  and provided Chase with all the financials they needed. It should have been a 45 day process but they took until the end of XXXX  to close my application with no response.

4. I attempted to reach out to my loan consultants and their manager by phone and email but to date still do not have a response on what is going on? I login to my Chase portal and see the loan is closed.

5. I have been performing on my existing mortgage with Chase for over 7 years with no late payments or any concerns. Plus I have additional accounts with them for a longer period of time.

6. My wife and my credit scores are in the high 700 's. We have a good size real estate portfolio with rental incomes and no mortgages on them. I earn more money from my profession then I did when I started the loan in XXXX. The only debt we have is this mortgage with Chase bank. No car loans, credit card etc.. Plus we have liquidity in investments that itself could pay off 75 % of the loan amount today and if we liquidated real estate just one of the properties could pay the loan off.

7. How can a bank take 5+ months, no responses, excellent existing customers with good history and just close the loan without comment?
Product: Credit card or prepaid card

I contacted Macys, XX/XX/2020, regarding a collections account ( XXXX ) that I was trying to full pay for {$770.00}. I called and was told that I could not pay Macys directly, I had to contact XXXX XXXX XXXX XXXX. And that once I paid the balance they would update Macys in 24-48 hours with payment. And to allow Macys an additional 7-14 days to make sure payment posts and Macys would zero out the balance and update my account to all credit bureaus. I was transferred to XXXX XXXX XXXX XXXX. A rep told me that they could offer me a settlement of {$340.00} if paid during the call. I asked her to confirm that it would show my account was settled with a {$0.00} balance. She said yes and confirmed what the Macys rep said, to pay and allow 48 hours for update and they would notify Macys payment was made and account was settled. I asked if she could send me something in writing to confirm. The rep took my fax number and on XX/XX/2020, she sent me a letter confirming everything. After 14 days, XX/XX/2020, I contacted Macys and asked about updating my account. Macys states that they received the payment for {$340.00} and I still have a balance of {$420.00}. I explained the settlement and she said that my account will eventually update but could not tell me when. I have called and held hours, and no one has been able to assist me with getting the account updated. I even tried to call XXXX XXXX to pay the {$420.00} that Macys says is due and they will not accept it because the account has been paid as agreed. I really need to get this account updated. I am in the process of trying to get my life back on track and purchase my 1st home. My mortgage loan is pending the resolution of this account. While I know paying the account and keeping it out of collections was my responsibility, I have paid the account now when financially able and would like it updated as I was told by Macys and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is using my identity and saying i owe the 15 USC 1692e I never signed a contract in wet ink with them, true holder must provided original instrument if indebtedness in original form, Navient has only produced billing statement, which when original opened in 2006, i was XXXX, 15 usc 1637 states, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, deceptive forms ; Navient is saying the are department of Ed, using their name on form when in fact these are 2 different businesses, there is over XXXX in alleged fees/on report over 15 years/7years limit, which hold a negative weight on my debt ratio, XXXX, XXXX, XXXX XXXX are updating information without all fact/validity ; i ask that all accounts be removed because alleged contract is cancelled void null, lenders & associates must follow the law ; they have removed some accounts not all ; they are not reporting accurately to all 3 bureaus, because one inaccurate item has caused adverse action and knowingly causing harm to my livelihood, they have been reporting different information on all report i provide documents with total on all, not listing all required informations, i have lost a number of opportunities for growth because these inaccuracy
Product: Student loan

I have tried to call this company for the student loans, they always tell me to go to the website and I do but find no way on trying to reduce my payments as I do not work, they website takes me on a loop and it never works to reduce or help with the student loan. They are a scam and they call me about 8 times a day but they don't really want to help. When they have helped reduced a loan it was only one of them even though I consolidated them with them. They just seem like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD AN UNAUTHORIZED ACCOUNT ON MY TRANSUNION AND XXXX CREDIT REPORTS AND HAVE DISPUTED THIS BEFORE DUE TO FRAUDULENT ACTIONS, IM NOT SURE WHAT THE CREDIT REPORT AGENCIES PROBLEM IS BUT I AM DISPUTING XXXX  XXXX BANK ACCOUNT NUMBER XXXX TRANSUNION REMOVED THIS FRAUDULANT ACCOUNT BUT THEY DID NOT REMOVE THE COLLECTION AGENCY THAT THE CREDITOR USED AND FORWARDED TO, I AM REQUESTING SINCE XXXX  XXXX ACCOUNT WAS UNAUTHORIZED OBVIOUSLY, THAT XXXX XXXX XXXX XXXX XXXX BE REMOVED AND BLOCKED FROM MY TRANSUNION REPORT AND XXXX  REMOVE AND BLOCK XXXX  XXXX ACCOUNT XXXX BECAUSE THESE ACCOUNT WERE UNAUTHORIZED AND SHOULD HAVE NEVER BEEN OPEN IVE REQUESTED THIS BEFORE WITH TRANSUNION AND XXXX, THEY NEED TO STOP THERE STALL TACTICS BECAUSE NOTHING IS GOING TO CHANGE ABOUT IT..
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard Inquiry was placed on my Credit Reports by these companies without my knowledge. 

XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX Equifax Mtg on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Card service on XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX/XXXX/23 the XXXX ATM on XXXX and XXXX did not dispense my XXXX withdrawal from my XXXX card. 

I contacted both XXXX and XXXX and did not receive a resolution
Product: Mortgage

We recently bought a house. closed on XXXX XXXX. Our mortgage is serviced through M & T bank. Our first tax bill was taken care of by the title company who collected that money at closing. Our bank paid the tax bill as well resulting in our escrow being negative balance. We callled immediately telling them what happened and that they need to get a refund from town. A week later they received the refund, but are still telling us that we owe them the money for the negative escrow. we are NOT paying this. it is completely unfair.