23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2005, XXXX XXXX XXXX, XXXX attempted to foreclose on us, using a forged promissory note. The case was dismissed. Thereafter, 21st claims that through a series of transactions, they acquired the note and mortgage. With actual knowledge of the fact that the documents were forged, they have now refiled a new foreclosure action using the same forged documents. That they filed the forged documents in the official records of XXXX XXXX County, a FELONY. When we learned they were attempting to use the forged documents, we notified them to cease and desist ; and during the 30 day debt dispute period, disputed that the money was owed on the forged documents, and further, provided them with the police 's experts report clearly showing that the documents were forged. They continue to maintain the foreclosure action based on the forged documents after the first case was dismissed AND they refused to respond to the qualified written request, stating that it was too burdensome and therefore refused to answer any of the reasonable questions asked therein, including proof that they paid value for the forged documents, or whether they were aware that the documents were forged, and I provided them a copy of the forgery affidavit along with the QWR they refused to fully respond to. They are in violation of the CFPB 's prohibition against DUAL TRACKING AS WE ARE UNDER LOSS MITIGATION ATTEMPTS WITH THEM IN A REASONABLE EFFORT TO REDUCE THE STRESS ON MY SPOUSE, and while in loan modification negotiations, they served my wife with foreclosure papers, using the forged documents, at her work. They need to be severely punished, and the individuals who suborned perjury need to be arrested and put in jail for committing a felony. Ask them if they knew the documents were forged, If they say no, then show them the attached report from the prior case and affidavit from the forensic expert who is regularly hired by the local constabulary and already a matter of public record and a matter of record in a case that they themselves dismissed. They were aware of the forgery, had actual knowledge of the same, and used the forged documents in a new case. They need to go to jail.
Product: Mortgage

I have been trying to refinance my mortgage since XXXX with chase, then chase transferred their loan to SP Servicing. since then SP servicing has played a game where every month they say they are missing documents, I provide all of them, with proof, then they wait, then they ask for documents again. This has last until now XXXX!!! I think that they did not want to refinance when the rates were quite low in XXXX and XXXX and now UI am stil having a problem. Furthermore, in XXXX, they requested for me to provide proof on insurance along with the fact that I was paying my real estate taxes. I provided them with proof of insurance along with a statement from my insurance that I was fully insured without any interruption. They acknowledged receipt of the documents but still charge me close to 10K for insurance and real estate taxes. As of today, they have not refunded my account for all this money and are continuing to charge me for insurance. 

This company is much less that honest and they should be fined a very large amount and they should not only pay me back for the money they charged me but they should pay me for interest they charged me on my mortgage. Here is their website and I hope you can help. www.spservicing.com
Product: Credit reporting, credit repair services, or other personal consumer reports

This company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent all 3 credit bureaus a request to remove these inquires that I did not make. It has been over 30 days and cant seem to get anywhere disputing without them saying they verified it but I am telling them that I did not apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm come to you again because TransUnion refuse do there job for me as a consumer fail to follow to the something that is called the Fair Credit Reporting Act where it said by Law, I had rights to challenge anything i am not sure is accurate.
Product: Credit reporting or other personal consumer reports

comenity capital XXXX XXXX XX/XX/year> FILED DISPUTE THEY UPDATED WITH INCORRECT DATES I am writing to bring to your attention an error on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed that there is an account listed under my name that is inaccurate and does not belong to me. 


This erroneous information is negatively impacting my credit score and financial standing, which could have significant consequences for my ability to obtain loans or credit in the future. 

I kindly request that you investigate this matter promptly and remove the inaccurate account from my credit report as soon as possible. Additionally, I would appreciate receiving written confirmation once the necessary corrections have been made. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you require any further information or clarification regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint regarding an account TransUnion is reporting. I have requested information and validation multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/XXXX. The error is XXXX XXXX ( XXXX ). In my letter disputing this error, I told TransUnion that I challenge the accuracy and reporting of this item. TransUnion is reporting that XXXX XXXX ( XXXX ) Date of Last Activity is XX/XX/XXXX, this does not match any payment date or account change on the reported account. They are well beyond the 30 days response time to validate the accuracy of this information. Then on XX/XX/XXXX I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps " This is a stall tactic and this is almost two months past the date my letter was mailed and received by TransUnion. TransUnion can not validate this item but is stalling to remove it as they should have done already per the Fair Credit Reporting Act. As I stated I would in my initial letter to TransUnion, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached as evidence, my initial letter to TransUnion, the certified mailing receipt, and my CFPB complaint where TransUnion tried to stall saying Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps.
Product: Debt collection

I need to file a complaint on behalf of sunshine credit services they keep sending me statements claiming that I owe a XXXX Bill 1st of all I have never had a XXXX account I sent this company a debt Validation letter they replied back with copy of some bill statement again I have never had a XXXX account I have asked this company to please send me a credit application that was used to open this account with Signature attached., But that was Not included also this company has been calling a co-workers Of mine at XXXX Not sure how they are getting her number I also asked them to please remove her number from their call list. Also if you have placed any info on each of the credit reports please remove the items from my credit File If you are unable to send me a credit application Please defer this account back to sprint so I can dispute this item with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by a company that I do not recall authorizing. I understand that a company should not be allowed to put an inquiry on my file unless I have authorized it beforehand. A company called Harris and Harris for XXXX XXXX reference # XXXX acct # XXXX for an amount of {$2000.00}. I have no knowledge of this information that is reporting on my credit report.
Product: Mortgage

My husband & I along with my parents as co-signers purchased a home in XXXX XXXX in XXXX, XXXX. We went with an FHA loan through a mortgage company called XXXX , XXXX XXXX XXXX. XXXX XXXX got in a lot of federal trouble in mid XXXX and they went under, Bank of America took over our loan in XXXX XXXX. In XXXX XXXX I tried to refinance under an FHA Streamline loan with BoA and we were told we could not do this because we did not have an FHA loan. The BoA loan dept I was dealing with told me they would take care of it. After a few months I noticed that our loan was no longer listed as an FHA loan but it showed as a conventional 30 yr fixed rate mortgage. For months I was unable to pay my mortgage online and I was n't given any real reason why I could n't. After many phone calls with BoA our loan was changed back to an FHA loan & I was able to pay online. Then a few months later the loan was changed back to a conventional loan. I 've spoken with other mortgage companies and attorneys ( who are charging fees ) & we keep ending up with nothing resolved. I 've tried many times to talk to FHA and I either get transferred all over the place or get to someone 's VM. I 've tried to go to my local office that no longer exist and call my regional office with no call backs from them. Now our loan was sold in XXXX XXXX to a company in XXXX called XXXX XXXX. They are less than helpful and are totally clueless with no incentive to try and help me. 
This has left us in a position where we are unable to refinance under HARP ( since we are not backed by XXXX ) or an FHA Streamline ( since BoA changed our loan ). I need all partied involved to resolve this situation ASAP so we can move forward with a refinance before we lose the opportunity to use any of these gov't back programs.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> CFPB Subject : Proof of Payment for Account # XXXX Dear [ Debt Collector 's Name ], I am writing to provide proof of payment regarding my account with you, as per 15 U.S. Code 1692c.

Details of the Payment : Payment Amount : {$500.00} Payment Method : DEBT CARD Account Number : XXXX Enclosed with this letter is a copy of the receipt/transaction confirmation for your records. 
As of the date of this letter, the balance on my account should reflect this payment. Please update your records accordingly. 
If you have any questions or require further documentation, feel free to contact me at the information provided above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

I am submitting this complaint regarding the closure of my accounts at Chase Bank without a clear explanation or due process. I believe this action has caused undue financial hardship and may not align with fair banking practices. 

I have been a long-standing customer of Chase Bank for over 10 years, maintaining both personal and business accounts as well as credit card accounts. Recently, I obtained a loan secured by my home to fund a business I operate in XXXX. Shortly after the loan funds were deposited into my Chase account, I received a letter from Chase informing me that all my accounts, including unrelated personal and business accounts, would be closed. 

Chase has not provided any detailed explanation for this decision, which has disrupted my ability to manage my finances. This includes the closure of credit card accounts and accounts that had no connection to the loan or business in XXXX. 

I kindly request the CFPB 's assistance in addressing the following : Ensuring Chase provides a detailed explanation for the closures. 
Reviewing whether Chase 's actions were compliant with consumer protection laws. 
Helping me determine whether Chase can be compelled to reconsider the closure decision. 
The abrupt account closures have caused significant financial distress, and I am seeking a fair resolution to this matter. Please let me know if further information is required to proceed with this complaint. 

Thank you for your attention and support in addressing this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE ACCOUNTS and they are reporting on my credit. 
-XXXX {$790.00} XXXX XXXX  {$640.00} XXXX CCU {$370.00} XXXX XXXX SERVICES {$120.00}. This is a collection account, and it is reporting as open. XXXX accounts should report as closed. 

XXXX XXXX XXXX {$420.00} this is a collection account, and it is reporting as open. XXXX accounts should report as closed. 

-Hard inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -XXXX XXXX is XXXX XXXX late payment on XX/XX/XXXX and I am protected under the SCRA as I am an active-duty service member. I made them aware that I could not make the payment on time as I am stationed in XXXX XXXX and we were on lock down and didn't have access to phones or internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Product: Debt or credit management

Weltman Weinberg and Reis XXXX called and threatened me that I would have to pay back debts incurred after XXXX XXXX XXXX that were not charged by anyone. After learning about this debt, I have file fraud and identity theft on his behalf as his wallet was stolen and I did not know. My father doesnt have a will, probate, letters, a representative, estate, or an assets. My father left nothing but DEBT and had fraud and identities theft before he died. I do not appreciate this lady calling me as we are all mourning the sudden loss of my father. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am in the middle of filing fraud, identity theft, and bankruptcy also because someone has stolen my information along with my social. These people need to learn how to manage a business matter without the threats. They should be sued and shut down at this point. There are plenty of negative reviews for them.
Product: Credit reporting

I did a short sale with a XXXX XXXX subsidiery XXXX or XXXX in XXXX 2012. It closed and for 4 years they wont report the first mortgage correctly and still show it open and in dispute. Either the bank XXXX XXXX sub XXXX XXXX XXXX XXXX or credit bureau Equifax will not update and report closed short sale and report correctly and remove consumer dispute.
Product: Student loan

When I log into my Mohela account, I am immediately notified about a high call volume and informed that I thus may be unable to reach customer service.

I submitted by PSLF recertification document to Mohela on XX/XX/XXXX. They initially said it would be processed in 30 days. Then I got another notification saying it would be an additional 30 days. As of XX/XX/XXXX, they still have NOT processed the form and updated the amount of qualifying payments I have made toward Public service loan forgiveness. 

I called them on XX/XX/XXXX at XXXX XXXX  XXXX time to discuss it. The automated message said that they were closed, but it also said they are open until XXXX XXXX  XXXX XXXX so I called within business hours. 

It's appalling that they haven't processed my form after approx 120 days and even more so that I have no way of speaking to them about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card account ( account number XXXX ) was targeted by fraudsters who made unauthorized charges totaling {$300.00}. I took immediate action upon discovering the fraudulent charges by contacting XXXX XXXX  XXXXXXXX XXXX  customer service to report the incident. However, to my dismay, they refused to remove the fraudulent charges from my account, leaving me responsible for the financial burden. 

The impact of this identity theft has been severe. Not only did it result in the tanking of my credit score, but I also had to bear the cost of paying off the fraudulent charges in order to close the account. Despite my relentless efforts, including writing multiple letters to the credit bureaus to dispute this fraudulent account, no proper investigation was conducted, and the account remains on my credit report to this day. 

The frustration I feel is overwhelming. Not only did I suffer financial losses due to this incident, but the charged-off account associated with the identity theft has had a devastating effect on my credit score. It is deeply unfair that I am forced to endure the consequences of someone else 's fraudulent actions and subsequently face the arduous task of rectifying this situation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft clai

m. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : INQUIERES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.
Product: Debt collection

Account:XXXX XXXX XXXX XXXX XXXX  or XXXX, When I signed on Ionly wanted basic .For XXXX a month. I wrote on the bill it was not to go any higher.Through the years (? dont know how many ) I ordered pay preveiew movies. Lets say I had XXXX  for six yrs, I might have ordered 7 movies. Now since the beginnig I got the DVR recorder but my contract prohibited me ffrom recording. for the past two or three yrs I paid them XXXX. $ a month. Look at the record of my history. So they HAVE recovered any money. Besides this, when the tech came to get theDVR he said it should be cleared up because alot of times all they care about is getting the unit back. 
XXXX now has this acc. turned over to Sunrise Credit Services for some reason SCS acc. # XXXX Thanks XXXX. 
I will not pay them. If I should show my bank acc., I will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I graduated from XXXX XXXX XXXX in XXXX of XXXX. In XXXX of XXXX I experienced a death in the family and went back to XXXX XXXX in XXXX of XXXX to support the family. For the year of XXXX I lived in XXXX and did not have a cell phone or access to the internet, due to my remote location. Apparently, my student loans had a grace period of 180 days. The 180 days should have been up in XXXX of XXXX. Nelnet, my student loan servicer, never got in contact with me directly to state I had a grace period or that it was up in XXXX of XXXX. However, they placed derogatory remarks on my credit report without ever notifying me to let me know it was time to begin paying back my student loans or that the loans were moving to past due. Although, when I reentered the United States I began paying back my student loans in XXXX. I have contacted nelnet about this issue and they refuse to take the derogatory remarks off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to fix errors on my credit report since XXXX of 2020. Since XXXX I have sent several letters to the 3 major credit bureaus asking for validation of several accounts. Since starting this journey I have not received ANY letters from the credit bureaus. When looking up the response times it states that the bureaus have 30 days to respond it has been over 75 days and I have yet to receive any notifications. I sent two letters asking for validation of the following accounts on my credit report ( XXXX, XXXX, XXXX, & XXXX  ). to this date I have not received a response from Transunion, XXXX  or XXXX.
Product: Debt collection

Starting last year, I started receiving letters from XXXX XXXX, a collection agency regarding a XXXX XXXX debt. I had a XXXX XXXX account many years ago, before I retired, and it was included in a debt consolidation program I joined called XXXX, XXXX. When my consolidation was all paid off, XXXX sent me a letter, which, unfortunately, I no longer have. I never thought that this many years later I would receive a letter about it. To the best of my recollection, my XXXX account was completed around 2006 or so. I honestly can not remember, but it was completed a long time ago. 

XXXX XXXX is trying to collect over {$200.00} from me and I will tell you right now that I am not paying a dime. My account was paid in full by XXXX, XXXX and I have no open accounts with XXXX XXXX. I want XXXX XXXX to stop harassing me. I have already told them that I will NOT respond kindly, nor will I pay this debt that I have paid a long time ago.