23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello The company who is involved is Specialized Loan Services I spoke with an associate back in XX/XX/XXXX XXXX XXXX XXXX ID XXXX ) and they told me that they will correct my credit report since I was under the law CARE act ( forbearance ). 

I m trying to contact over the phone, but is very difficult to reach an associate, I dedicated more than 1 months of this and finally I get a response from another associate back in XX/XX/XXXX, her name was XXXX and she told me that I need to open a new investigation about the error on my credit reports of late payments and wait for other 30 days ( until XX/XX/XXXX XXXX and after that credit report would be update, that they will correct all the error of all missed payment or default payment on my credit report ( for both borrower XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( wife ) ) because I was in forbearance under the CARE law ( covid 19 ) and also in modification process, apparently someone press the wrong button and send all the payments that was part of the forberance and they marked like default on my credit report, so they will take care of this but they prefer to do it after the modification process was done ( XX/XX/XXXX XXXX. 
Until today XX/XX/XXXX they never call me or send me email with a new status, I try to reach them by email and phone and they never respond ( last week XX/XX/XXXX I finally reach someone from credit dpt and they told me that they will send an letter by mail, with the decision, but nothing happen yet and I still have all the derogatory on my credit report ). I never miss a payment on my mortgage and the only time that happens was under the protection of the law CARE act ( forbearance ). 

I need answers from this mortgage service company, since I have all those defaults on my credit, I m loosing other business opportunities and to do other type of deals in my personal life and is not fair that because their mistakes, I also stop to receive other considerations from creditors. My credit need to be fix as soon as possible, so please help me with this situation. 

Thanks
Product: Credit card or prepaid card

Barclay 's credit card ( AAdvantage Aviator XXXX XXXX XXXX XXXX, account ending in XXXX ), paid small balance and cancelled card approx. XX/XX/XXXX ; card then destroyed so we don't have account number, but card was in the name of my wife XXXX XXXX ( as a XXXX  I generally handle this sort of matter for our family ). Obviously we could not and did not use the subject card after this point in time. 

On XX/XX/XXXX Barclay 's sent us a check for {$0.00} " as a result of a credit balance. '' Subsequently a series of statements have been received each noting a {$40.00} fee plus interest on unpaid balance. Latest statement XX/XX/XXXX for {$110.00}. With each statement we have tried to reach Barclay 's to remind them this account was closed and the card was destroyed, but never a response. 

Barclay 's continuing statements appear to constitute fraud and extortion, and may run counter to the SEC 's Cease and Desist order of XXXX XXXX, XXXX ( Admin. Proceeding File No. XXXX ) in re Barclays XXXX XXXX XXXX 

We can provide copies of any documents referenced here.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$680.00} for the purchase of a bag using XXXX through my Bank of America app. The person was basically a scammer and never shipped the bag to me. I spoke with BOA to find out that they offer no type of protection against scammers because XXXX is a partner and not part of the bank. This is very disappointing and misleading that they have this on their site but offer absolutely no protection against things going wrong. And give no warning that they have no way of offering you any type of assistance with this matter even though its promoted highly in the BOA app and website.
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX ; I have checking, savings, and credit card accounts with Navy Federal Credit Union. 
I received a postal money order in payment of services rendered. I took the device to the local branch of Navy Federal Credit Union where it was cashed for me. 
Yesterday I received a letter from Navy Federal Credit Union stating that the device was returned unpaid to Navy Federal Credit Union by the paying financial institution. 
Navy Federal Credit Union deducted the amount of the postal money order from my savings account and charged me a returned check fee of {$15.00}. 
Navy Federal Credit Union should have taken the issue up with the financial institution which issued the postal money order ; I had nothing to do with it. I received it in payment for services which I had rendered and Navy Federal Credit Union accepted the postal money order and cashed it for me. 
Now, in effect, they have stolen money from me to pay since the issuing financial institution did not honor the postal money order. 
This is not my fault, and Navy Federal is bullying me when I am not responsible. 
I am asking for help in obtaining relief from the bulllying of Navy Federal Credit Union and the return of the money which it has stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Product: Bank account or service

on the XXXX of XXXX XXXX I tried to make a mobile check deposit with XXXX in the of XXXX dl their mobile deposit kept giving me an error, so I believed the check did not get deposited I than did a mobile check deposit with the same check with Wells Fargo. Than I get and email from XXXX saying that the check had been deposited. I than contacted XXXX banks and notified them of my mistake. They rest asured me that it would get cashed by XXXX of the banks and bounce on the other. The checks bounced with XXXX banks. I than called Wells Fargo and they said since XXXX checks bounced via mobile deposit, that I should take the physical check into a Wells Fargo Branch and re attempted to deposit the check in person on the XXXX of XXXX than on the XXXX of XXXX the check bounced. I also got charged to my account the same check amount, the account acted like I owed for a check never deposited into my account. I filed claims with Wells Fargo the brought my balance back to where it should be and took away all the overdraft fees. At this point I contact the issuer of the check XXXX XXXX they also bank with Wells Fargo, they see the funds left their account on the XXXX of XXXX but never returning. I call and spend numerous hours with Wells Fargo Customer support nothing is getting resolved. I finally went back to my local branch and have been working with Wells Fargo Banker XXXX XXXX XXXX XXXX XXXX XXXX. I met with him beginning of XXXX I brough all my paper work letters I received from Wells Fargo and XXXX. He than sees that I still have the refer to maker check rest assures that check is still good for deposit so I did on the XXXX of XXXX XXXX on the XXXX of XXXX the check also bounces. At this point he tells he is sure its XXXX fault that they still have the funds. XXXX does not Wells Fargo also the says they do not the issuer of the Check says the funds left her account. Nothing is getting resolved I feel very powerless and out the XXXX I worked so hard for. Please help me find where the money is stuck. Thank you kindly.
Product: Credit reporting or other personal consumer reports

I want these accounts removed that are marked inaccurate. 

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

I've disputed incorrect information on my credit report with all XXXX Bureaus and I have proof that it was removed and then it shows right back up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to XXXX and Transunion a collection in the amount of {$16000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) As part of my divorce settlement, my ex-husband was awarded ownership of the property. I immediately contacted XXXX XXXX XXXX to request they notify me should this account ever be in danger of reporting late payments. I wanted to make sure that if the account was in jeopardy that I would be able to make these payments to avoid any negative reporting on my credit report for the lack of due diligence of making the timely payments by my ex-husband. The account was reported as having late payments and I was never notified by the bank as requested and consequently the residence went into foreclosure before I could do anything to stop the foreclosure proceeding. I am not legally responsible for the property however, the lates and foreclosure are showing up on my credit report. This false reporting has cost me over 80 points on my credit score. This lack of correspondence and follow through from XXXX XXXX XXXX has seriously harmed my credit score and this line item needs to be removed. XXXX is reporting correctly. I no longer had any legal responsibility to this loan however, to assure that the loan was never to go into default, I wanted to cover my bases with XXXX XXXX XXXX. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bank as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get this issues resolved since XXXX both credit bureaus ( transunion and XXXX ) have refused to supply correct information such as original contract, original payment and dates regarding this collection account .I have sent supporting documents and they continue to allow an aged account to ruin my life. I have reached out to the original creditors with no response Per documents attached the account is from XXXX and was sold to a third party in XXXX. They re aged this account ever couple of years please see document below and resolve
Product: Debt collection

On XXXX/XXXX/XXXX I made contact with Jefferson Capital LLC located at XXXX, MN XXXX regarding a collections account that they are reporting to my credit report. I spoke with a representative named XXXX with ID # of XXXX, after explaining that the account they are attempting to collect on was opened in XXXX and closed in XXXX ( Jefferson Capital LLC is reporting the account was opened in XXXX ) I questioned why it shows it was opened in XXXX. XXXX informed me that XXXX is when they recieved the file and could report that date legally. I then asked if they report the file being opened in XXXX that would mean it would stay on my credit report until XXXX instead of XXXX ( if showed reporting from XXXX ). She then told me that I was correct and it will continue to show as a new account from XXXX then would remain until XXXX. When I advice her that I think that is illegal she told me it can be done because that is when they received the account. If this was the case and a new company bought the debt from Jefferson Capital LLC and placed a new open date, the debt would never be removed from my credit report.
Product: Bank account or service

I am disputing a transaction ( please see below details ) charge to my checking account. I do n't have a product or service with the company charging my bank account, however, Wells Fargo is closing my dispute, stating I need to deal directly with the merchant. 

XXXX XXXX/XXXX/16 RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX CARD XXXX Open Canceled service or merchandise XXXX/XXXX/16 Cancel
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  SOUTHERN MANAGEMENT for reporting credit information  to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Debt collection

On XX/XX/2019 I contacted XXXX to rent a car for two days. The car I selected was a XXXX XXXX but when I arrived it was a XXXX XXXX not what I contracted. I took pictures of the car and had to take it because nothing else was left. When driving the check engine light kept coming on so I parked the car and contacted XXXX XXXXXXXX XXXX XXXX about the problem. They agreed to exchange the car for the XXXX I originally asked for at no charge. I took out the insurance on the car just incase something went wrong. After returning the car I checked my XXXX XXXX XXXX and saw they charged me {$870.00}. 
I also took out insurance on the car rented plus had XXXX insurance. 

I disputed the charges with XXXX XXXX and they removed excessive the Charges. XXXX XXXX XXXX  created a False Installment account and submitted it to the Credit Bureau. I disputed the charges and they were removed. They then resubmitted the amount two more times and I disputed there claim. Now they are calling me trying to collect on this account and have damaged my credit.
Product: Debt collection

they do n't have a number to contact them by. Google them and the company is out of business? Can not find anything else on this one please help!!!!! 
Thank you,
Product: Credit card

I am a customer/consumer of the financial institution Synchrony Bank and its subsidiaries/parents/affiliates/etc.

PRIVACY Title 15 U.S. Code 6801 states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Synchrony Bank is a financial institution by definition in this Title, and its failure to abide by privacy laws has both harmed and inconvenienced me ( Attachments 2 through 5 ). 

I provided opt out instructions to Synchrony Bank on XX/XX/year> via the online messaging center in my accounts portal. Attachment 1 shows the opt out instruction, though Synchrony 's print feature did not print the full instruction. My instructions were not complied with, as evidenced by Attachments 2, 3, and 4, which are consumer reports showing my account information reported after the date of my opt out notice. Synchrony Bank continued to report my personal information after receiving my opt out notice, which violated my consumer privacy rights.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I am now elaborating on my original instruction to eliminate ambiguity. Synchrony Bank does not have my consent to, and shall not, report, share, sell, give, or otherwise transfer my nonpublic personal information, from the date of XX/XX/year>, to a non-affiliated third party or credit reporting agency. The furnishing of my information after that date is unlawful and is required to be removed ; inclusive of, but not limited to, balances, amounts, late payments, status, remarks, comments, highest balance, updated dates, last payment dates, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. Errors are being made and it is defamation against me which is costing my family money and making me homeless ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. I will be taking legal action against Transunion if this erroneous item is not removed from my report. Sincerely, XXXX XXXX
Product: Debt collection

XXXX21 {$1300.00} I've called to resolve I don't owe this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15- U.S.C 1681 section 602 A. States I have the rights to privacy.

15- U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

XX/XX/XXXX USAA Confirms credits due me from XX/XX/XXXX NOT MADE TIMELY POSTED XX/XX/XXXX ( 9 ) NINE MONTHS LATER. and NOPE AGAIN USAA, TOTAL PAYMENTS & CREDITS for this period are as statement confirms ( see attatched ) total {$400.00} THAT IS MY PAYMENT OF {$200.00} & REFUND XXXX  {$190.00} 3.15 finance 3.35 finance FOR TOTAL {$400.00}. Previously USAA Ms XXXX confirmed credits for XXXX XXXX cell  phone refund {$190.00} BUT HAS NOW CHANGED. This response can be viewed CFPB on line. AGAIN THERE ARE NO USAA. PERMANET CREDITS FROM XX/XX/XXXX FRAUDS REPORTED XX/XX/XXXX THE ONLY CREDITS ARE FROM MERCHANTS AS WELL AS XX/XX/XXXX. NOPE THERE ARE NO USAA PERMANET CREDITS EVER. AND IF I REPORTED ALL THAT FRAUD AS USAA ALLEGES.??? Why are there NO TEMPORARY CREDITS???? WHY ARE THERE NO PERMANET CREDITS??? XX/XX/XXXX Fraud Letter Documents will be made permanet. No temps to make permanet. USAA STEALS MERCHANT CREDITS. USAA IS NOT ZERO LIABILITY AS ADVERTISED. USAA ISCNOT ADA ACCESSIBLE AS ADVERTISED. I AM STILL HELD LIABLE FOR FRAUD OF XX/XX/XXXX NOT RESOLVED TWO YEARS LATER AND USAA ATTEMPTS TO COLLECT ON WHAT IS NOT OWED. USAA DOES NOT ADHERE TO THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Details Account status Closed Type Mobile Home I have never had a mobile home nor manufactured home. This account is not mine
Product: Mortgage

In XX/XX/XXXX, I modified my home equity loan with Chase Bank and established a monthly payment system with them that would automatically withdraw my account for a monthly installment of {$490.00}. 

In XX/XX/XXXX Chase withdrew all of the money I had in my account ( amounting to {$2000.00} USD ) without notice or warning. After speaking with a representative, they informed me that their system had committed an error in establishing a payment arrangement and that the installment they were withdrawing was insufficient. They then demanded I pay {$60000.00}. 

As a result, my credit score has been severely negatively affected for complying with Chase 's agreement and are refusing to establish my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this proof that the account of XXXX XXXX must be remove because is inaccurate and dont match with any other credit reporting company
Product: Debt collection

This complaint is in regards to a debt that has been placed on my XXXX credit report. I have sent letters to EOD CCA at XXXX XXXX   XXXX., XXXX, MA XXXX lasking them to provide me with a copy of a SIGNED copy of a contract exclusively between me, XXXX XXXX, and EOD CCA, stating a contract for repayment. This debt was originally held by XXXX XXXX. To this day, I still have not received these documents. Every time I request this documentation, they send me a statement. I have sent letters to this company on the following dates : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 And XX/XX/2019. I still have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

These accounts must be removed from all three credit reporting companies ( XXXX, Experian and XXXX ) for violations under the federal laws listed above. 

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 ( Charge-off ) {$48.00} These 5 accounts are charge-off - Which are being reported as debt, which is a clear violations under the federal laws listed above.
Product: Debt collection

American Coradius International LLC is trying to collect a XXXX debt of {$860.00}, which is a fee that I never incurred.
Product: Checking or savings account

XXXX payments sent incorrrctly and money not refunded