23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage has been transferred to Select Portfolio Servicing in XXXX this year. Since then, we have been paying our mortgage on time every month. 

However, SPS has created false debits and credits to our account, creating a manufactured negative balance. As a result, their customer support people have been calling us every week about missed payments. Every week, we explain all payments have been made and every week they say the error will be corrected on their end. However, every week, some different associate calls us with the same issue with no record of any previous conversation. 

They have also said the account will go into delinquency and that it will be reported to our credit reports, ruining our credit scores, due to SPSs fault. 

This company is totally incompetent and should not be in the loan servicing business.
Product: Credit card or prepaid card

payment due on XX/XX/XXXX was submitted late due to mandate at work. I had no computer access and my bill was not with me. The payment was submitted the next morning at XXXX XXXX. The balance was XXXX. a payment was sent for XXXX .A late fee of XXXX was accessed when I sent a letter to see if they would waive the fee they refused.the balance left was XXXX which I paid and the XXXX card is no longer in service. they still want XXXX in late fees.this is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I mailed two rounds of certified letters first oneXX/XX/2024 to TransUnion Consumer Solutions disputing accounts below Account Name : XXXX XXXX XXXX {$5500.00} Account Name : XXXX XXXX XXXX {$3400.00} Second letter sent for verification on XX/XX/2024 to TransUnion Consumer Solutions and accounts still remain and have not been fully validated.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is inaccurately reporting this COLLECTION account # XXXX as well as this COLLECTION account # XXXX on my credit report as an OPEN ACCOUNT and also reporting PAST DUE BALANCES. XXXX XXXX XXXX is reporting falsely and inaccurately. this is a clear FTC Violation and must be DELETED immediately. As well as in violation of 15 U.S.C CODE 1681S-2! Also a clear violation of 5 U.S.C 552 a ( i ) ( 3 ) and The Fair Debt Collection Practices Act As Well As 15 U.S.C 1692d. Not only are they reporting with an account status of OPEN but they are also reporting this ACCOUNT # XXXX ( {$210.00} ) as well as this ACCOUNT # XXXX ( {$500.00} ) with an inaccurate past due balance and putting derogatory marks on my credit as LATE PAYMENTS. Which is also a violation of the FCRA which states that I have the right to an accurate and fair credit report. This also violates Requisite XXXX XXXX Compliance Reporting Standards! Delete both of these accounts immediately from all 3 credit bureaus that are reporting this false, inaccurate, and incomplete information on my credit report. I, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I Request that you provide to me verification of this debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed pursuant to the fair debt collection practices act you are required to cease all collection of this alleged debt which includes reporting to my consumer report XXXX, XXXX, And EQUIFAX. I hereby inform you that you do not have my consent to communicate with me through any medium. FURTHERMORE I did not consent to you having my personal or private Information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Please delete all accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Federal Student Loan to attend College after I completed my Education I became permanently XXXX and could not work. I requested that the lender forbear my account because of my medical situation. The Loan only had my account in forbearance for a short period and even after my continued request for Loan forbearance the servicer reported negative account information to the Credit Reporting Agencies. I have since had my Student Loans completed discharged because of my permanent medical condition however the Prior Federal Loan Servicer continues to report my account negative even though it has even past the 7 year statue of limitation.
Product: Mortgage

PNC Bank sent me a letter stating that my account would only be reported as " Account paid for less then full balance '' but after looking at my credit report, they are still reporting the current status as a charge off, then previous listed the account as a repossession from XXXX 2012 until XXXX 2012 which is not true. How can this account be a repossession? It is not a vehicle.
Product: Mortgage

XXXX XXXX XXXX # XXXX took my loan from BSI Financial with no notification and transferred it to a FAKE XXXX XXXX opened by XXXX XXXX XXXX. XXXX XXXX XXXX is not an authorized mortgage provider, not a bank, and does not meet federal mortgage regulations. XXXX XXXX no longer has been employed by XXXX XXXX ( where my loan was first held ) since 2021. XXXX XXXX illegally made this transfer breaking all the laws as he is also not under the NMLS for BSI or XXXX XXXX in fact his is related to XXXX XXXX. XXXX XXXX made this transaction with XXXX XXXX XXXX to steal the real estate and avoid a lien process. XXXX XXXX has cooperated and aided XXXX XXXX XXXX in this illegally identity theft, mortgage theft, falsely of a mortgage company, banking fraud, and retaliation due to divorce proceedings. This needs to be rectified back with XXXX and XXXX XXXX needs to provide all documentation in regards to the submission and communication to XXXX XXXX XXXX as he has refused. Noted also XXXX XXXX XXXX paperwork does not match her filings with the state of Oregon. She is filed under XXXX XXXX XXXX, her fictional paperwork states XXXX XXXX XXXX XXXX, then at the top it just states XXXX XXXX  none of this meets the regulations or mortgage guidelines. It is a false copy to mimic XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my relentless pursuit to rectify this situation for the fifth time, I must emphasize that this constitutes my fourth effort to address the persisting issue. Despite my myriad requests, EQUIFAX has consistently barred my access to my personal credit report, adamantly withholding any information regarding my credit history. Enclosed herewith are supporting documents, encompassing a duplicate of the missive I dispatched to the credit bureau and copies of my personal identification. Please assist me regarding this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

I have mailed and called both the credit bureau and these two collection collection agency 's who refuse to now respond to my mail, calls and request for removal of false collection accounts. I have disputed these accounts and they both did not return verification of account to me by mail within 30-45 days as requested and by law the accounts were to be removed but did not. I now request full compensation for their lack of professionalism and me now being denied credit. 

Account 1 listed on XXXX Credit report Debt collector Name XXXX XXXX XXXX Account # XXXX Creditor Name XXXX  XXXX Stated open date XX/XX/2017 Amount stated {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account 2 Listed on XXXX  Credit report Opened XX/XX/2017 Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX NCC Business Services
Product: Credit card or prepaid card

During the month of XXXX an unauthorized XXXX  was made in the amount of XXXX. Upon noticing the XXXX I immediately called my bank and told them about the fraudulent transaction.Wells Fargo gave me a temporary credit and days following denied my claim and reversed the credit ending in my account being negative XXXX.
Product: Debt collection

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 


This item 11 XXXX XXXX disputed by XXXX  ( XXXX ), for {$250.00} opened XX/XX/2020, Internet/cable, is inaccurate because I moved to New York where XXXX does not serve this area. XXXX told me that I wont be charged for anything and then they showed up on my credit. We were on a recorded line so that should be reviewed. I also made a {$25.00} payment to a future bill and did not receive a refund. I was told that I would not be charged because I did not cancel the service. I had my service paused while my items were in storage then called them to start service in XXXX where they do not serve.. NEVER CANCELLED. This charge is a fraud. I can not control where I move and where they can not serve their customers. I will be forced to file a complaint if this keeps destroying my credit. 

Reported By : Southwest Credit Syste XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have disputed this many times and they still won't stop harassing me. 

" Here are the supported documents showing that I do not owe XXXX anything. I paused my account in XXXX during my move ( until I received a new address ). I also paid an extra XXXX dollars which I want back. Then I called them to turn on my service in XXXX XXXX XXXX. That is when they told me they do not serve NY. They told me I did not have to return any equipment or do anything. XXXX sold this account to Southwest and have been messing up my credit for a couple of years now. ''
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Consumer laws Protect me from this kind of Fraud this company has no standing over me no XXXX have not contracted with National Credit System Inc I want this account to be removed form my report is is causing me to be denied it is the duty of the banking systems that Fair credit reporting agency
Product: Credit reporting or other personal consumer reports

XXXX has obtained my nonpublic information as result of material misrepresentation, fraud, and identity theft pursuant to 1682a ( q ) ( 3 ) and Georgiana Penal Code O.C.G.A. 16-9-129 thru 16-9-127. 

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Biliey-Act ( 15 USC 6802 )
Product: Credit card

I hold a credit card with Bank of America. On the XXXX XXXX XXXX XXXX XXXX XXXX I noticed unauthorized transactions made in Delaware, despite my location being in XXXXXXXX XXXX I promptly reported these fraudulent activities to Bank of America. After enduring a wait time of approximately 20 minutes, my call was received, and a fraud claim was registered on my behalf. 

A few days later, I was relieved to find that the stolen funds had been returned to my account. However, to my surprise, the fraudulent amount is now appearing on my statement. In an attempt to resolve this issue, I contacted Bank of America once again. They provided me with a number associated with my existing claim but unfortunately, my calls are not being answered. Each attempt results in a waiting period of around 20-25 minutes.
Product: Student loan

I called Edfinancial on XX/XX/XXXX for assistance refunding my loan payments made since XX/XX/2020. Under the CARES Act, I am able to ask for a refund on this payments, and get my loan balance reinstated to the amount before this payments. They agreed to submit a ticket for me. 
I asked for a confirmation email and a timeline for when my refund may be expected. But they said that they do not have any way to email a confirmation the refund request is submitted nor give me a timeline sooner than 150 days. 

I attempted to contact them 3 times this week but all 3 times the phone lines would disconnect and I would be forced to wait again for at least an hour for an agent. 

This is unacceptable because I am utilizing this refund to maximize my student loan forgiveness. If they process my refund after the interest free period is over I will be forced to pay interest on loans that should already be forgiven under the new student debt relief. This lack of transparency is unacceptable and needs to be investigated.
Product: Vehicle loan or lease

XX/XX/2021 I put a downpayment on a car with this company Westlake financial of {$2000.00} and also paid {$980.00} in additional charges for having it XXXX months, they're in violation of the truth in lending act as I paid cash and a downpayment on my vehicle they're also in violation of XXXX XXXX XXXX and XXXX XXXX XXXX I would also like to use my right to rescission and collect all remaining funds from the vehicle plus my down payment and my money for installments I would also ask to dispute this charge off of my credit report as it hurt my XXXX XXXX for the remaining time
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX. They approved me for {$300.00} on XXXX XXXX, on XXXX XXXX, I called them up and told them that I was not interested in their card and did not want to continue with the application. Now, on my credit report I see that they are reporting that I have a credit card with them and a balance of {$75.00}. When I called them and the credit bureau I was told that the account is going to be reported as closed. I was only 48 hours when I decided I did not want the card and therefore this card SHOULD NOT BE ON MY CREDIT REPORT AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to file a CFPB complaint and to inform you about the neglegence of the three Credit Bureaus. With this, I allege that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with the accurate and be delete the fraud items in my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX and TransUnion Credit Bureaus requesting to reinvestigate the disputed Account from my credit report and update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 5 months I have been trying to fix the issue revolving around my address with Equifax. I moved to my current address on XX/XX/XXXX from my old address. Equifax stop reporting my score where other bureaus could see my score because they say I have a different address as of the end of XXXX and beginning XXXX. When I discovered this problem in XX/XX/XXXX I started sending them proof of my new address. I have been told by reps at Equifax that they have received this information but when it comes time to fix the problem of updating my information something is always wrong like that they cant see my ID so I sent them color copies now they say that they dont have a copy of my billing statements with my current address that they told me they had before. I dont know who I XXXX off at Equifax but now it's really starting to feel personal. I am a XXXX of this country and someone who has taken a very hard hit from the Coronavirus financially. I am trying to buy a house in a better neighborhood to provide my family a better way of life and all I'm asking is that this problem be taken care of so that I can move. In order for me to do that I need to be able to get a 3 bureau credit report off my other sites like XXXX and XXXX but I can't because Equifax refuse to update my address. Not to mention my account has been dropped from XXXX because they cant pull my credit info from Equifax. I have sent documents proving my current address again on XX/XX/XXXX that they claim take them 10 days to get even though I sent it by fax machine. Hopefully it doesnt disappear like other information I have sent. All I want is my current address to be updated to the right one.
Product: Checking or savings account

I am filling a complaint today against Bank of America checking account division because of a recent issue I discovered and they won solve it. Neither face to face nor on the phone. Here is my issue : on XX/XX/XXXX I deposited a money order for the amount of {$200.00} that I received from my employer. Yesterday XX/XX/2018 while I was checking my transaction I realized that there is debt in my account for the amount of {$200.00} which I assume that has to do with the money order because in the details say something about an altered check and I have deposited anything else. In my little knowledge of finance, a money order translates to guaranteed funds. Today XX/XX/2018 I decided to go to a physical location to talk to a representative but I waited over an hour and nobody could take care of me they were full and there were only two reps in the branch so I left. In my way home I called Bank of America customer service but they would put me on hold for over 20 mins and at the end hung up on me. The truth is that now I am out of the money and out of the money order and no one in that organization seems to be able to get my money back. Please help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative and inaccurate information in my credit report was submitted on XX/XX/2024, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Need to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX