23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I came out of my Chapter XXXX being dismissed in XXXX. I asked Wells Fargo for a loan modification, after three request they sent one. I told the advisor XXXX XXXX that my husband XXXX just graduated from college and had 2 job offers. She told me to send her the offer letter he was accepting with the loan mod package. I asked her for a VOE so  they could get his employment questions answered that I knew would come up with a new job. The mod was denied, they did not count XXXX income because it was a start date ahead from the time I submitted the application. By the time the decision was made XXXX had already started working. I was told I could dispute it by submitting his paystubs. I sent in the dispute with XXXX first paystub. He started in the middle of the pay period. The underwriter failed to contact his company with the XXXX authorization for questions she had, instead denied the file. I called and spoke with a manager who told me I would have to the " restart department '', and file another loan modification because I had a " change in circumstances '' with my XXXX new job.I contacted the restart department who refused to do  anything because I am past 3 years of being delinquent. Although a mod package was sent to me in XXXX this year, the restart department refused to allow me to do the loan mod based on change of circumstances. I contacted the office of the president. I went through two representatives before having to ask for a superior, supervisor. I presented through my lawyer to Wells Fargo an offer to do a " short payoff ''. The request states that Wells Fargo would agree to halt the foreclosure sale and allow time to close on the short payoff with an investor that is willing to refinance my house. I have offered to do the remaining balance over a term of 30 yrs at the same interest rate. I 'm offering Wells Fargo every dime they want although they have put me through XXXX for 4 yrs not working with me when I was XXXX from my car accident that caused this mess. I was called tonight at XXXX before Wells Fargo closed, by the restart department again, acknowledging they got the letter, and they refuse to send it to the liquidation department because my sale date is within 34 days. I asked the woman if she read the letter where they would agree to halt the foreclosure. She said their department is not at liberty to make that decision but she refused to even send the letter to the department that can make the decision. Wells Fargo has messed up on my Save the Dream Grant, my Court Mediation request, several modification packages and now they are messing up my chance to save my home through another investor by doing a short payoff. The restart department within Wells Fargo has absolutely no honest, ethical feelings to do anything for borrowers. I feel i have became a victim of modification loan fraud and foreclosure fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX, XXXX. XXXX 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish your account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I filing a complaint with Equifax credit bureau for false credit reporting on my credit report, I have dispute fraudulently account with Equifax with a copy of police report and equifax continually keep reporting the two fraudulent account, when called to speak to a representative I get the run around. This has impact my life in a bad way. it's had ruin my life. I am aware that equifax is being sue for inaccuracies on people account.  I am requesting for equifax to remove the two fraudulent account from my credit file, the two account is XXXX   XXXX for the amount of $XXXX and XXXX  XXXX XXXX for the amount $XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started to gain interest in my credit and building it due to my mom, I made an account with identityiq to get a full report and noticed multiple unauthorized accounts as well as unauthorized inquires on my report and I'm lost on the fact that whoever was able to steal my identity or information, I was/am not aware of any of the accounts or inquiries. The fraudulent accounts are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent Inquires are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My daughter and I, XXXX XXXX, signed up for automatic payments for our student loans with Sallie Mae. In doing so, they told me that I would receive a discount of .25 % on my variable interest rate. The discount was never reflected on any of the automatic payments I made. Tried numerous times to get the information requested from Sallie Mae. Was told a supervisor would call me back but no one ever did. The statements I reviewed online still had the original interest rate when the payments were posted. Why would Sallie Mae advertise a .25 % discount when you sign up for automatic payments when they do not honor? Please help!!
Product: Bank account or service

I have a checking account with Citizens Bank. I recently called the bank to ascertain the balance in the account as I did not have online access and forgot the account number. 
Upon being granted online access through the customer service representative, I discovered the account had been debited {$65.00} ( {$10.00} the first month and {$5.00} per month for 12 months after being designated a " DORMANT ACCOUNT ''. While I understand a bank has the leeway to levy such fees, I disputed the fees with the Citizens Bank however because I learned the way they attempted to contact me about the DORMANT ACCOUNT was to send messages for me to the dormant account itself!!! If an account has been dormant, what makes the bank think that the account holder is accessing the account to read messages???? Seems to me if they have the account holders contact information, such as email and phone number, which would have been submitted when the account was opened, then the correct manner to reach said account holder with a designated dormant account would be through some other avenue other than the dorman account itself. The idiocy of their excuse for charging an account holder for a dormant account yet messaging them about the dormant account through the dormant account is beyond stupid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Account type is reporting as Collection for transunion and Unknown - credit extension, review, or collection for XXXX. Transunion is reporting the date opened as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. Transunion is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. These are a violations of my rights per the fcra
Product: Credit card

I would like to highlight a pattern I've become privy to with SYNCHRONY. As you can see, the first complaint response from them, through the CFPB, I was DENIED my right to revoke POA and my payment instrument ( MY DIVIDEND COUPON ) which I endorsed to SYNCHRONY, was denied ; however, SYNCHRONY failed to return my coupon. 

I recently received a letter from SYNCHRONY, asking me to complete a form for revocation of POA. I followed their instructions and the fax number they provided, for me to send my paperwork, was invalid ( attached ). It appears as though this is some kind of a deliberate game, interfering with my family time and quality of life. Upon further discovery, after reading their public Indenture Trust Agreement, which they've unlawfully breached, I also found two relevant cases involving complaints against SYNCHRONY, which resonates with me, unfortunately. It appears I am not alone in my suspicion of criminal practices. 

" XXXX XXXX Synchrony Bank, Civil Action XXXX : Plaintiff XXXX XXXX XXXX filed XXXX XXXX XXXX Synchrony Bank and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX violations of the Fair Debt Collection Practices Act ( FDCPA ) and claims for breach of contract, fraud, and intentional infliction of emotional distress. 
The dispute arose from a debt owed on a Lowe 's credit card that XXXX had settled through Freedom Debt Relief ( FDR ) with Synchrony Bank. 
Despite the settlement agreement, a debt collection agency, XXXX XXXX XXXX, filed multiple Warrants in Debt against XXXX, alleging unpaid debt on the Synchrony credit card. 
The Warrant in Debt was eventually dismissed without prejudice, but XXXX & XXXX filed a third Warrant in Debt. 
XXXX filed a complaint with the XXXX XXXX XXXX XXXX ( CFPB ) and received communication from Synchrony acknowledging the settlement of his account. 
The case is ongoing, and Synchrony 's motion to dismiss some counts was granted in part and denied in part. 
XXXX v. Synchrony Bank, XXXX XXXX. XXXX : Plaintiff XXXX XXXX XXXX filed XXXX XXXX XXXX Synchrony Bank, alleging XXXX Synchrony failed to furnish accurate credit information to the consumer reporting agencies ( CRAs ), which impacted his creditworthiness. 
XXXX had accrued credit card debt with Synchrony and claimed that Synchrony reported his outstanding debt to the CRAs, affecting his credit reports. 
The court denied Synchrony 's motion to dismiss the complaint, allowing the case to proceed.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I went into the XXXX XXXX BANK OF AMERICA location to cash a check provided to me by an account holder of this financial institution. In my attempt to cash this check, I was then refused service and discriminated against by XXXX, an employee, and XXXX XXXX XXXX, the XXXX of this location because I exercised my federally protected right to privacy as a consumer. 

Please reference the attached documents for additional details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXXXXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # : XXXX - US DEPT ED Account # XXXX - XXXX  XXXX Account # : XXXX XXXX XXXX  Account # XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Dear Experian, I, XXXX XXXX, have written this letter to dispute two late payments that are falsely listed on my credit report with your bureau. 

XXXX Owed : XXXX XXXX XXXX  Amount : {$0.00} Account : XXXX XX/XX/XXXX XXXX marked as late payment. 
Party Owed : XXXX XXXX XXXX : {$0.00} Account : XXXX XX/XX/XXXX XXXX marked as late payment. 

I AM REQUESTING THE LATE PAYMENTS BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Product: Debt collection

Last winter I started receiving cryptic phone calls from someone who would not identify themselves or the company they worked for. They wanted to talk to me about my XXXX XXXX credit card. I was afraid the phone calls were fraud, so I ignored them. I then received a phone call from the same person at my office, so I called the phone number on one of my credit card statements to find out what was happening. When I did so I was told they had sold my account to this other person. When I asked 'why ' they told me I needed to talk to this other person, they were no longer doing business with me. 

I then called the number on my caller ID and this person told me they were debt collectors and had purchased my account, that I owed them almost {$10000.00}. I told that it must be a mistake. I last used that card XX/XX/XXXX and paid the bill in full XX/XX/XXXX. The debt collector at XXXX XXXX XXXX started talking about charges made at stores inXX/XX/XXXX I have never been to, and said the bank had sent me letters regarding these charges that I had ignored. I told him my last communication from the bank regarding this charge card was the XXXX XXXX statement, and nothing had been sent to me since then. The debt collector started reading a letter I was unfamiliar with, then said it had been sent to my address XXXX, XX/XX/XXXX 

I live in XXXX,XX/XX/XXXX at the same address since XXXX. I have also lived in the XX/XX/XXXX XXXX, XX/XX/XXXX area since XXXX. I do not own a house in XXXX, XX/XX/XXXX, nor did I ever change the billing address on my account. Someone not only was using my charge card without my permission, they first changed the billing address on that account so I would not receive any statements. 

While I haven't heard anything from the debt collection company for almost a year, they are now sending me statements asking me how I plan to pay this debt. 

The bank that oversaw my XXXX XXXX credit card is Comenity Bank, XXXX. XXXX XXXX, XXXX,XX/XX/XXXXXXXX. The debt collectors are XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX,XX/XX/XXXX XXXX. 

The bank never attempted to contact me at my billing address. Nor did they attempt to contact my credit union. I use my credit unions electronic bill paying service to pay my bills for over 11-years. Why Comenity never contacted my credit union to see why the payments had stopped coming is unknown. Nor do I know why they never attempted to contact me at my previous billing address. I never gave anyone permission to change my billing address. Why Comenity would not look into why this all started after someone changed my billing address and never think of contacting me at my old billing address is unkown. The fact Comenity does not want to discuss my account with me makes me suspicious of their change of address process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I paid to ship a package with USPS on XX/XX/2019. The package was requested by USPS to come back to me at the end of XXXX but it ended up being lost. USPS allowed me to file a claim but has refused to honor the insured amount of XXXX. 

I filed a dispute with wells fargo of the amount of postage I paid since USPS has not provided the service I paid for and has denied my appeal multiple times and are refusing to accept any responsibility. USPS accepted my package with no issues and knew what I was mailing as the contents were on a customs form they reviewed before I paid which they put on the outside of the package. 

Wells Fargo is refusing to help me with getting my money back for the service I paid for which was not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX  XXXX Balance : {$630.00} XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

I have 5 bills listed on my credit report that do not belong to me. They are listed as follows : Paramount Recovery XXXX XXXX XXXX   OPENED XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX  Opened XX/XX/XXXX I never received a hospital bill, suddenly started getting collection calls. When I reached out to Paramount Recovery, they asked if I was Ms. XXXX, I told them that I did not know anyone by that name.I have good credit ; prior to this event. I have 99 % of paying my bills on time. I spoke with Paramount Recovery and stated these bills are not mine. I also sent information to the government for identity theft. 

Paramount Recovery address : XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting SYNCB, who appear on my credit file as SYNCB, SYNCB/XXXX, numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX   report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. And it is listed on my XXXX  report with a date of XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.
Product: Mortgage

I have had a very difficult time  with OCWEN. I have tried to submit for a loan modification a couple of times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives.      I am now in a full modification review with all the documents  Ocwen  has requested submitteed. I was told by my assigned rep  XXXX   XXXX  that the foreclosure would be placed on hold while I am in review. Today I have been notified th at Ocwen has  a sale date of  XXXX / XXXX / 17  on my home.     My husband is  XXXX   years old and this is causing a great deal of   XXXX   and concearn. We feel like Ocwen h as lied to us and backdoored a foreclosure sale date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Service Original Creditor : XXXX XXXX  Open Balance : {$300.00} Acct Opened : XX/XX/ In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.
Product: Checking or savings account

I am XXXX and living on a fixed income. My federal Social Security XXXX payments goes into the Direct Express debit card each and every month. On XX/XX/XXXX, I called Direct Express -that Comerica Bank oversees and told them that my money {$440.00} was stolen by the ticket merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and asked to disputes unauthorized charges. They told me if I submit paperwork, within 7 business days, which I did, Direct Express would issue me an " provisional credit '' of the amount by XX/XX/XXXX. Furthermore, I was told just be patience and the money that was stolen will hit my debit card. And, if it does not, call back Direct Express by Monday XX/XX/2023. I waited and called back on XX/XX/XXXX, to be informed that my case was " closed by them '' and I would not be getting any credit. I got no notice of an investigation. I got no noticed of the case being closed. Which, leads me to believe that Direct Express lied to me all along. Plus, did not follow policies to keep consumers informed and participated in Reg E violation. I asked them what's the appeal process. I was told there is no appeal process. I asked them what's their corporate information or Comerica bank customer service information to help me with this dispute. I was told there is nothing that I could do about fraudulent activity to my debit card. Comerica Bank wont do anything to help me. They have the only and final say. The case is close and their decision is final. I am deeply upset about Direct Express and even Comerica Bank- who I called is not working to help consumers when there is fraudulent activities on consumer debit cards. I asked them what is their policies or federal policies on fraudulent activity. They told me to do my own research. They have nothing in writing to sent me. They do not seem to care that the money was stolen and was not authorized me. Nor, do they care those funds were to be used to pay for my medication. Please help. I contacted the merchant who told me it seems like a computer error on their end. But since its an Error in the merchant computer, I do not have evidence to prove it. I need help.
Product: Checking or savings account

XXXX unauthorized charges from XXXX occurred on my account on XX/XX/year>. XXXX for {$1800.00}, {$1700.00}, {$1000.00}. Wells Fargo denied my claim after saying they would issue me a provisional credit and can not give me a reason on why they are denying my claim.