23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Im requesting the assistance of the CFPB to investigate SPS for failure to perform under investor- services guidelines and dual tracking of foreclosure. I had communicated with SPS on XXXX of 2022 that my self my family had came in contact with XXXX XXXX illness and my payment was going to be late due to my illness and the inability to work and generate money. SPS stated they sympathized woth my situation and would place me on a Covid forbearance during this time and once I was able to resume making payments I was to give them a call and they would allow me to resume to make payments. 3 months later I reached to SPS and advised I was ready to resume with my payments but at this point now they wanted me to resumit documents for loan modification review which I did. I sent SPS the following : 3 months bank statements, profit and loss, 2 years income tax, utility bills and faxed and emailed to them. As I called to get status of my review they stated sps was still reviewing my case and they didn't need any documents but that my loan was referred over to the attorneysfor foreclosure I begged them to stop the foreclosureon my home while they game a proper review as they promisedbut they refused i also advised them that what they where doing was illegal under Dual tracking laws of foreclosure but they stated it didn't pertain to them and they didn't have to abide by those rules since my investorwas private. Soon after I was denied for mortgage help and didn't matter how many times I applied or asked the reason why I don't qualify or requested somethingin writing they refused. The only thing an agent told me was since my loan originated during covid times they would not modifymy loan no matter what. I belive SPS purposely offered me a Covid forbearance knowingthat they where not going to help me afterwards. I've offered them cash to bring to the table in hopes of good-faith offer but they decline it all. I have not been assigned a single point of contact this entire time and each time I call to request status there is no notes and nobody can help me. I've requested for them to place the amount past due to the end of the loanor on the side of it so I can resume with my mortgagepayments but denial all request I've made. I belive this falls under the predatory lending practices since they allowed me to fall past due so many months by putting me under the forbearance and sps knowing I would not have the funds to repay back this amount. Sps has committed Negligenceand failure to perform under there promises covered under covid.
Product: Money transfer, virtual currency, or money service

I submitted my ENTIRE information file needed for my business ' PPP loan VERY early. However, the support of my file has been very unresponsive. I finally received an electronic document in the XXXX filed which only asked me for information that was already submitted! There is no phone number to reach, the chat in the platform doesn't even work, and there is no email. This shouldn't be this hard with a large bank like Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally, I sent a letter on XX/XX/2018 to XXXX XXXX XXXX ( XXXX ) disputing a tradeline of my credit report from them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked validation that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2018, I received a copy of Consumer Installment Loan Agreement and Federal Truth-in-Lending Disclosure from XXXX XXXX XXXX XXXX XXXX as their validation which wasn't validation competent evidence bearing my signature to XXXX. I received a credit bureau alert from XXXX ( betweenXX/XX/XXXX-XX/XX/XXXX ) and XXXX  ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been removed from my credit report. Then days later I received another credit bureau alert from XXXX ( between XX/XX/XXXX-XX/XX/XXXX ) and XXXX ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been added back to my credit report. I sent a reinsertion letter to all three credit bureaus ( XXXX, Experian, and XXXX  ) stating I had not received the ( 5 ) day notification which is required by law. All three bureaus stated they have validated this disputed item and refuse to remove and re-investigate in spite of all of the documentation I have provided to dispute the validity of this item. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that  the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$460.00} These accounts are on my Equifax credit report. 

They are paid. Remove them from my report. 
Dont just show them as closed. Remove them!
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute DEPT OF ED/XXXXDispute DEPT OF ED/XXXXispute DEPT OF ED/XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/CHRYSLER CAPDispute violations broken FTC reporting same debt over 4 times on same report Fair debt practices
Product: Debt collection

I had my credit report hit for a claim from 2018 I never recieved anything about this and once I spoke to the Medical Company they took payment and said it was done, I never recieved anything on this issue not 1 call they had some random number and the hospitls address as my contact XXXX XXXX XXXX XXXX i corrected there info they appligized and then this hit my credit. They creditor also refused to give me any details to verify this was my account as the amounts are differant the ifo is not correct.
Product: Debt collection

They are contacting family members regarding some account in 2012. Leaving threatening legal messages and stating they will come and take my vehicle. The name of the business is Fitzgerald Goldman & Associates and the number that keeps calling from a very rude lady at the following number XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

To whom it may concern, Pursuant to 15 usc 1681a ( 2 ) ( B ) " any authorization of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device " Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is '' the term " credit card '' means any card plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said Any car. The credit card is my social security car. This is the credit card I used to originate every consumer credit transaction below. It should be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). This is a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Disputed Inaccurate Information and Request for Security Freeze & Permanent Opt-Out Dear Consumer Financial Protection Bureau , I am filing a formal complaint regarding inaccurate information reported on my consumer disclosure reports and the failure of the reporting agencies to properly investigate my disputes. Additionally, I request immediate implementation of a permanent security freeze and opt-out on my consumer file. 

Part 1 : Dispute of Inaccurate Information I have reviewed my consumer reports from XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX and identified several inaccuracies that are negatively impacting my consumer profile. Despite previous disputes, these inaccuracies remain unresolved. 

Disputed Accounts USDEPTOFED Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name USDEPTOFED. 

XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX. 

I request a thorough and manual review of these accounts due to the complexity of the discrepancies. I have attached copies of my credit reports highlighting the inaccuracies for reference. 

Requested Actions : Conduct a thorough investigation of the disputed accounts. 

Provide a written statement detailing the investigation results and actions taken. 

Remove the inaccurate accounts from my consumer reports. 

Send me updated copies of my corrected consumer reports. 

Part 2 : Request for Permanent Security Freeze and Opt-Out To further protect my personal information from potential fraud and identity theft, I formally request : A permanent security freeze on my consumer files with XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

A permanent opt-out from all pre-approved credit and insurance offers, marketing campaigns, and data-sharing programs managed by these entities. 

Personal Information for Verification Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX XXXX - XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : XXXX XXXX - XXXX Email Address : XXXX Enclosed are copies of my driver 's license and a utility bill for verification purposes. Please confirm in writing once these actions have been completed or if additional information is required. 

Relevant Laws Violated : 15 U.S.C. 1681e ( b ) : Compliance procedures for maximum possible accuracy.

15 U.S.C. 1681i : Procedures for disputed accuracy.

15 U.S.C. 1681c : Requirements for information in consumer reports.

12 CFR 1006.34 ( c ) : Validation of debt details and original creditor information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account : XXXX XXXX XXXX BANK XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed an updated copy of my credit report and noticed that some of my credit references are not included, despite being reported and verified. I am requesting a re-investigation of these accounts as they are missing from my report. Enclosed is a letter from the merchant confirming the reporting of these accounts. Under the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, I formally request that you re-investigate and remove the following accounts : Additionally, I request the name and address of the individuals or entities contacted during this re-investigation process. According to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the accounts have been updated. Once the updates are complete, kindly forward an updated copy of my credit report to the address listed above. Kindly help me correct the following items immediately : 1. DEPTEDXXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

2. DEPTEDXXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

3. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

4. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

5. DEPTEDXXXX XXXX Balance Owed : {$0.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

6. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

7. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

8. XXXX XXXX Balance Owed : {$200.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit.Reporting agency is reporting debt that has been resolved. The other credit bureaus do not include these accounts in my total debt. I have tried everything to fix this filing disputes etc. The debt they still include ... this was last updated by them XX/XX/XXXX XXXX XXXX   XXXX 2 accounts Experian will not remove XXXX-beginning with balanceXXXX This was settled and is XXXX $ XXXX-beginning with balance {$16000.00} This was settled and is XXXX $ XXXX balance XXXX this account is with a collections agency and payments have been made on time {$200.00} since XX/XX/XXXX All of these accounts show I have huge minimums due but Experian is the only one that reports this
Product: Bank account or service

Ten years ago my father died. I responded to all of the never ending paperwork requests from BOA and submitted everything they ask to receive in order to remove him from my mother 's bank accounts. This week they send condolences on his passing. They want me to start submitting everything all over again, because they never removed his name from the account. I told them that they did. All of the statements now only have my mother 's name on them. They still want the documents. They want everything resubmitted because ten years ago they were not centralized Their inefficiencies are not my problem. They should adjust their records, which they refuse to do unless I go back and find the same documents that they already have from ten years ago. I have to say I was so upset I finally hung up on them.
Product: Credit reporting or other personal consumer reports

I Contacted the Reporting Agency to get a Documented Proof. I was unable to get Proof and was hung up on. I would like these Items removed from my Credit. I have No knowledge, and the Agency has not provided Supporting Documents. I contacted the Credit Bureaus and filed a dispute, it came back verified without having been provided with Any Legal Document. 

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: Mortgage

I was on a payment plan. I made the payments. The realtor said there was a buyer for the house. So I didn't make the next payment. The buyer back out so that left me behind on the payment plan. 
I asked to be put back on the payment plan. They said no. I need to complete a loan modification. I'm not needing a loan modification I need to be reinstated to my payment plan. I am able to pay according to the payment plan.
Product: Credit reporting or other personal consumer reports

My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my consumer profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). Their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing out of frustration. XXXX XXXX continues to report information to Experian Credit reporting service that shouldn't be there. The Home Equity Loan that they are referring to was paid off in XX/XX/XXXX ahead of schedule. I did file for a chapter XXXX bankruptcy in XX/XX/XXXX, and the Home Equity Loan that they are referring to was the only Mortgage on my home and I continued to pay the loan and did not miss a payment. The concerns I have are several : ( 1 ) How can a bankruptcy continue to be on my report after 10 years. XXXX XXXX have the negative information to continue until XX/XX/XXXX. This all started when I contacted the XXXX XXXX Unauthorize Account Settlement through an Email sent to me. I had several misallocations of my Equity Loan payments that led me to believe that they may have opened an unauthorized account. I wasn't sure, so I responded to the Email. Big mistake. My claimant conformation number is XXXX. 

I have additional information, Experian credit report, my equity Loan number is XXXX. If more information is needed please contact me and I can fax them over. I am a XXXX veteran and adding an additional 7 years of negative reporting on my credit report is practically a death sentence. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inquires by Wells Fargo on my credit report that I didnt not do.
Product: Money transfer, virtual currency, or money service

XX/XX/2021, Bought Euros to Branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I went to window of XXXX. I told her I wanted to exchange Euros to Dollars and deposit. She called in XXXX. 
XXXX said today 's rate is XXXX Dollars for each Euro and I would receive XXXX Dollars for each Euros. I asked if there was a fee for the exchange and she said the bank doesn't charge a fee. I was happy. 
After pushing the green button to deposit funds, I noticed the amount of dollars didn't equal what I was told ( promised ). I have the receipt and the rate I actually got was XXXX per Euro. I asked why the difference and no one could answer me. I said " Well that's how the charge me I guess, but I'll have to look into it on Monday ''. I called today Monday the XXXX of XXXX and spoke to their horrible " manager '' XXXX, a woman clearly not interested in helping me solve my issue and with a great deal of smug attitude. She actually hung up on me because I used the XXXX word twice. As if she never uses it. Whenever one says " Don't use foul language '' I take it to mean " I don't want to talk to you ''. It's malarkey. So after calling back XXXX would only take my number and said she didn't like talking to me because I was loud. I lost {$500.00} due to her staff or her bank and I have a right to be upset and loud. I was told a senior staff banker would call. I'm waiting for that but I seriously doubt any good will come of this as XXXX made it clear " I can't do anything about changing rates and it was 'probably ' just our fee '' I don't want " probably '' in the answer. I want to know where the other money I was told I would receive, is. Please have them deposit difference of XXXX dollars per euro ( the price Chase Bank promised ) with no fee and the XXXX price. Thank you.
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report that was not fixed. I also called requesting that this information be taken off of my credit report and then a updated credit report be sent to me and that did not happen.
Product: Debt collection

This medical debt is not owed I have health insurance and do not owe this bill. I did not sign anything with my signature stating this debt belongs to me. Please remove this from my credit report immediately. This is a medical debt that's not owed when there is health insurance. I signed no papers owning this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX