23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Specialized Loan Servicing is now demanding foreclosure or me to send them an absorbent amount of XXXXThey will not give me the name of the Bank or Loan holder. XXXX XXXX had my mortgage loan and pulled out of the state. Leaving me and lots of other people with a fly by night company. Named Specialized Loan Servicing with a XXXX XXXX XXXX rating of one star. They put me on a corona virus program called a loan deferment program. Which than put us in deeper in debt. The program was utterly useless. So we've requested our payments to be put on the end of the mortgage. They sent us a request form for our pay stubs on Thursday than on Friday sent me & told me they are starting foreclosure. Than Saturday sent me a new drive by appraisal. They would not give the name of the Bank or Loan holder. They offered us to put the deferred payments on the end of the loan. And than took that offer totally away before we sent them any pay stubs and a letter to review. Yet said they reviewed it which they did not have yet to review whatsoever. Any help to have our payments put on the end would be much appreciated! Thank You! Signed : XXXX XXXX
Product: Student loan

After requesting to increase my student loan monthly payment several times, Navient did not follow through. I have been trying to pay off my loans faster since there is no pre payment penalty I called Navient multiple times and requested them to increase my monthly payment amount. Every time I have called they said they will implement it by 1 or 2 cycles but is yet to do it and it has been over 6 months.
Product: Money transfer, virtual currency, or money service

My wife received a job offer from a person who found her on  XXXX . He said his name was   XXXX   XXXX  . He wanted my wife to babysit his daughter. He sent what turned out to be a fictitious check to my wife in the amount of {$2500.00}.   XXXX   asked my wife to take out {$220.00} for her to keep as part of her first paycheck. Then he requested that she help with groceries. He also wanted her to send {$2200.00} to his prospective landlord. My wife and I sensed that this was a scam. I told her to deposit the check which she did on   XXXX   in the morning. In the afternoon, I called the bank to find out when the check would clear. They told me it would be the next morning. The next morning the balance in our checking account reflected that the check had indeed cleared. My wife went to the bank on  XXXX . She asked the teller to confirm that the funds were available since we were still suspicious that this was a scam. The teller told her that the check had cleared. She relied on the teller 's word and sent the transfer to the supposed landlord. A few days later we discovered that the check was fictitious and we ended up losing {$2200.00}.   I called the bank  ( Chase )  and asked how this could happen. They had told me that the check had cleared and the teller also told my wife the same. Chase bank has shown no responsibility for their actions and they understand more than me how these type of scams work. That is my complaint.
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   was added to my collctions on my credit report and i never recived noticed
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information has been reporting to my credit report. I recently pulled my reports and noticed that the account of XXXX ACCT # XXXX had been reporting incorrect information to my credit file. This means that the account has not been correctly verified which should cause in deletion. I have attached a copy of the file and it shows the inaccuracies to the different bureaus reported. Date opened is inaccurate between the bureause, last reported, date last active, date of last payment, as well as payment history. The account shows reported as CO in XXXX to experian ok for six straight months to Equifax after being reported as charged off to XXXX. It also shows 30 days late to to XXXX for free months of XXXX and XXXX and ok to Equifax for those same months. It reported as 30 days late, 60 days late and 90 days and 120 days late for the months of XXXX through XXXX to my experian account but reported as ok for the same months to my Equifax report. The innacuracy between the bureaus reporting should cause in a deletion of the account from my file
Product: Credit card or prepaid card

Im a natural person/ not a third party Discover bank failed to provide me a debt validation letter, an audit trail, a sign invoice, audit trail pursuant to gaap, and a contract/cardholder agreement. These documents I requested are to validate this debt is mine and that I lawfully am obligated to pay this debt. Pursuant to 15 usc 1692g, after 5 days within initial communication with me they were supposed to provide me the debt validation, now they must cease communication with attempts to collect this unlawful debt. An billing statement and a statement of allegation doesnt constitute as a debt validation, I the original creditor dont validate this debt because I gave an extension of my credit to discover bank and gave them the right to become a creditor to incur debt. They continuously furnish inaccurate information upon my report and willfully noncompliance with the truth in lending act/ fair credit reporting act/ fair debt collections practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items om my credit report. It has been well over 30 days and i have not received any investigation results.
Product: Mortgage

The federal Electronic Signatures in Global and National Commerce Act ( " E-Sign '' ), 15 U.S.C.A. 7001-7031 ( West Supp. 2002 ), provides that electronic records may not be denied legal effect, validity or enforceability solely because they are created electronically. 
Both the federal E-Sign and ESRA authorize the use and acceptance of electronic signatures and electronic records in commercial transactions, and confirm their legal validity. 
The E-Sign Act establishes that electronic signatures and electronic records are valid and enforceable if they meet certain criteria. See 15 U.S.C. 7001 ( a ) ( 1 ), An electronic signature is " an electronic sound, symbol, or process, attached to or logically associated with a contract or other record and executed or adopted by a person with the intent to sign the record. '' 15 U.S.C. 7006 ( 5 ). An electronic record is " a contract or other record created, generated, sent, communicated, received, or stored by electronic means. '' Id. 7006 ( 4 ). 
Consumer authorizations can be provided in paper form or electronically. Writing and signature requirements are satisfied by complying with the E-Sign Act which defines electronic records and electronic signatures. Regulation E does not prohibit companies from obtaining signed, written authorizations from consumers over the phone if the E-Sign Act requirements for electronic records and signatures are met. 
Specialized Loan Servicing ( SLS ) received my updated profit & loss statement timely ( XX/XX/2016 ) during the loan modification review process but failed to use my updated profit & loss statement in violation of the federal law 15 U.S.C. 7001 ( a ) ( 1 ).
Product: Money transfer, virtual currency, or money service

I used MoneyGram to transfer money to my sister in XXXX on XX/XX/2018. 
MoneyGram canceled the transaction without telling me. when I called their customer service number ( XXXX and XXXX ) to find out the reason. The personnel at the customer service center would pick the phone and pretend they can not hear me and then subsequently they will disconnect the line. This continued for 3 times without any professional assistance. I had to go to XXXX  store to get a refund of my money. This is a breach of financial transaction contract. I demand explanation from MoneyGram. The money transfer reference number is XXXX.
Product: Credit card or prepaid card

1. On XXXX XXXX XXXX I was blocked by Capital One from accessing my account on-line. I am the first line of defense to identify any fraudulent activity on my credit card. However, now that Capital One has restricted my access to my account on-line I am unable to maintain my due diligence about my credit card activity. 

2. Over the past several years Capital One has wanted me to update my income, stating the reason for their request is to increase my credit limit. Since I do not want a credit limit increase, I have not updated my income information. I have kept my name, address, email, and phone number up-to-date. 

3. In the past, through Capital One 's tactics they have attempted to force me to provide that information by blocking my access to my account. I have been able to work around their obstruction to gain access to my account on-line -- until now. 

4. On XXXX XXXX XXXX Capital One implemented a new web page which requires me to update my income before I can access my account, again stating the information is needed in order to increase my credit limit. I called customer service and was told that was not the reason they are asking for the information, instead, that it is a federal government regulation/requirement that I provide an update to my income. They further threatened if I do not comply with their request Capital One can close my account. 

5. My account is current. Capital One always receives my payment well before the due date. Payment has never been late. I have an excellent credit rating. I am vigilant about checking my account for fraudulent activity. I am a model customer. 

6. Capital One 's ruse to gain this information smacks of the unethical business practices used by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

his is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Product: Credit card

In early XXXX, I discovered an unfamiliar Home Depot credit card listed on my credit report, despite never having applied for it. I promptly reached out to their customer service to report this as a fraudulent account. Approximately two weeks later, I received a credit card application letter from Home Depot, even though I had already closed the fraudulent account. They assured me they would investigate the matter and provide me with the results in the letter. 

Moving forward to the beginning of XXXX, I received a bill from Home Depot 's credit card department, indicating that it was overdue and subject to interest charges. Despite my numerous attempts to contact the Home Depot credit card department and sending all the support documents to them since XXXX, the issue remained unresolved. 

Now, as XXXX began, I find myself in the same predicament, having received yet another bill and still awaiting any form of response or resolution from Home Depot 's credit card department, and the interest goes higher.
Product: Debt collection

BB & T Banking and Trust Company This bank keeps sending me collection notices, on accounts that are not mine.

They are threatening to send negative collection data, about me, to " XXXX  '' ( whom I have never heard of ), when I don't even know who this Bank is, or how they could claim to know me. 

The fraudulent accounts are : ACCT # XXXX {$790.00} ACCT # XXXX {$280.00}
Product: Credit reporting or other personal consumer reports

My loans were part of XXXXXXXX XXXX XXXXXXXX. Ive provided legal documentation several times indicating the trade line needs to be removed completely per the settlement agreement, theyre refusing to do so, my score dropped XXXX points since my loans got discharged.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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, are not complete and accurate. 

XXXX XXXX XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX ( Original Creditor : XXXX XXXX ) XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XX/XX/XXXX last four ssn-XXXX XXXX XXXX- XX/XX/XXXX last four ssn XXXX XXXX XXXX XXXX XXXX , Il XXXX Late payment removal request regarding account # XXXX VIN # -XXXX  XX/XX/XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : We have been loyal customers of Santander Consumer USA for over a year and couldnt be happier customers. Unfortunately, in XX/XX/XXXX we experienced a life changing blessing and a hardship at the same time causing us to fall behind on monthly payments. It was an exceptionally busy time in our life as we were balancing the XXXX of our XXXX XXXX in 4 years ( ages XXXX, XXXX, and XXXX   months ). Our newest child was born on XX/XX/XXXX XXXX XXXX ( joint account holder ) was on FMLA XXXX  leave for 12 weeks XX/XX/XXXX-XX/XX/XXXX and I was on FMLA XXXX leave for the month of XX/XX/XXXX with NO PAY causing us to fall behind on rent, groceries, and Santander car note. Now that we are both back at work, I honestly could not associate with the person that let this payment obligation go unattended I fully respect our obligations with Santander Consumer USA and have worked diligently to amend my relationship with you by regaining your trust. A brief look at our account will reveal that our account status is current and furthermore we have enrolled in monthly auto pay to prevent any future issues. 
We have begun search for a home and a much larger vehicle due to our family growth. We are currently undergoing credit repair and plan to use Santander USA in the near future to finance a new truck. The attention that our late payments with Santander USA may negatively affect our chances of obtaining a home and new truck. 
In light of our renewed focus and demonstrated commitment to rebuilding our trust with your company, We are requesting that you give us a second chance at a positive credit rating by revising the 3 late payment ( s ) as  reported on our three major credit bureau files ( XXXX, XXXX, and XXXX  ). I sincerely hope Santander Consumer USA believes in their customers and I humbly request your consideration to allow me to pursue the home and truck of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. 
Regards, XXXX XXXX & XXXX XXXX In addition we can provide all documentation that support our claims upon request ( FMLA forms, check stubs, rent receipts, etc. )
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried multiple times to remove inquiries from my profile that was not made by me nor did I consent to the companies to pull my credit. 

These are the dates the credit Bureaus received my letters : XX/XX/2020 - Equifax XX/XX/2020 - XXXX  & XXXX XX/XX/2020 - XXXX & XXXX & Equifax XX/XX/2020 - Equifax XX/XX/2020 - XXXX & XXXX XX/XX/2020 - XXXX & Equifax XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an online dispute and I also wrote a dispute letter to all three credit bureaus, XXXX, XXXX, and Transunion, with partial correction. My mortgage account has been paid in full since XX/XX/2021, when we sold our home. We are currently trying to buy our forever home, but until this mortgage account is corrected we can not get pre-approved for a home loan. At first the account was still open, they have since reported it " closed, paid in full ''. The other issue is that they are reporting a 30 day late payment for XX/XX/2021, but under the report it lists the payment history and states XXXX 's payment was on time with a payment made XX/XX/2021. That payment is being reported as XXXX 's payment, when we did not make a payment for XXXX, because we were in the process of closing on the home we were selling. So XXXX 's payment was made XX/XX/2021 and was not 30 days late. All 3 credit bureaus changed the account status to " closed paid in full '', but did not correct the late payment error.
Product: Mortgage

I have tried contacting Planet Home Lending Customer service department but receive a generic answer every time and feel they are not trying to listen to the situation. We received the attached letter from Planet Home Lending customer service. We had a temporary loss of income due to Covid 19 in XX/XX/2020 through XX/XX/2020, and we had a hit on our credit report for three late payments in 2020. We were in the process of a refinance and, therefore, would not qualify for the deferral ( however, we were denied for the refinancing due to the late payments. We ask if the late payment can be removed as goodwill because it was due to Covid 19 loss of income.
Product: Credit reporting or other personal consumer reports

Hello, i reviewed my credit report and found out that i have a fraud hard inquiries, i need to get them removed because its ruining my credit score a lot. Thank you in advance. 

Inquiries is XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023
Product: Debt collection

Removal of Late Payments due to unemployment I am writing to demand the removal of late payment entries from my credit report for the account ( XXXX ) referenced above. These late payments were a direct result of being unemployed during the period of XXXX XXXX XXXX and I am requesting that these be removed immediately, as I believe they unfairly penalize me for circumstances beyond my control. 

XXXX. Impact of Unemployment on Payment History As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that information reported to the credit bureaus be accurate and fair ( 15 U.S.C. 1681 ). The late payments in question occurred during a period of significant hardship when I was unemployed, and my ability to meet financial obligations was severely impacted. Under the FCRA and Regulation V, I request that these late payments be re-evaluated and removed from my credit report as they do not reflect my usual payment behavior. 

XXXX. Request for XXXX XXXX Given the extreme and extenuating circumstances of my unemployment, I am requesting a goodwill adjustment from the creditor ( XXXX ) in question to remove the late payment entries. This request is grounded in the understanding that I made all reasonable efforts to make payments during that difficult time but was unable to meet deadlines due to lack of income. Removing these late payments would more accurately reflect my payment history and financial responsibility over the long term. 

XXXX. Legal Precedent and Credit Reporting Standards Under 15 U.S.C. 1681c, I am entitled to dispute the accuracy of any information that may not fully represent my true financial circumstances. I believe these late payments should be reclassified or removed, considering the context of my financial distress. Additionally, I expect full compliance with FCRA Section 605 and the Equal Credit Opportunity Act ( ECOA ), which protects consumers from being penalized for credit report information that reflects circumstances outside of their normal credit behavior. The financial hardship caused by unemployment should not permanently XXXX my creditworthiness. 

XXXX. Immediate Removal Request Given the above facts, I am requesting that these late payments be immediately removed from my credit report. I expect a prompt and thorough review of this matter, and I anticipate your compliance with the FCRA in resolving this dispute. Should this issue remain unresolved or the late payments remain unaddressed, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options. 


Given the above facts, I am requesting that these late payments be immediately removed from my credit report. I expect a prompt and thorough review of this matter, and I anticipate your compliance with the FCRA in resolving this dispute. Should this issue remain unresolved or the late payments remain unaddressed, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this items to be INSPECTED and BLOCKED. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/2010 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed some negative accounts reporting on my credit report. I reached out to all 3 credit bureaus XXXX, XXXX, Experian to address the matter and no one responded to me. Now as you know that violates the FCRA and I demand for them to remove these fraudulent accounts from my report immediately. I have no knowledge of any of these accounts. 
XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX
Product: Mortgage

Midland Mortgage fail to adjust escrow to reflect new payment of a lower payment. Midland Mortgage hold overage funds failing to disburse. The company practice of subjecting customers to higher escrow rates when not needed. This company takes 4 to 6 months to correct actions when they have to lower payments. Midland is fraudulent with escrow accounts and handling funds.