23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My second mortgage loan is currently being serviced by Select Portfolio Servicing ( SPS ). The account is currently delinquent due to hardships relating to the Covid 19 pandemic. SPS is refusing to offer loss mitigation assistance or process a loan modification. They will not take in a standard loss mitigation package and process it accordingly. SPS is stating they will only offer cash for keys in order to avoid foreclosure proceedings. I am XXXX military veteran that has been offered loan modification assistance through my first mortgage with XXXX XXXX. SPS has stated that they will not offer the same loan modification assistance as XXXX XXXX, due to internal rules. SPS will not contact the VA regarding the Covid-19 refund modification, where the VA will pay back the alleged delinquency of {$11000.00}. SPS has also sent all delinquency and foreclosure information to XXXX XXXX XXXX, XXXX, OH XXXX, which is the wrong address. Therefore, I have not been notified per Virginia law 55.1-337. 
SPS is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB 1024.41. The rules listed below clarify the obligations of SPS ( see below ). 
1024.41 Loss mitigation procedures.

CFPB Rule 41 ( b ) ( 3 ) 1. Foreclosure sale not scheduled. If no foreclosure sale has been scheduled as of the date that a complete loss mitigation application is received, the application is considered to have been received more than 90 days before any foreclosure sale. 
2. Foreclosure sale re-scheduled. The protections under 1024.41 that have been determined to apply to a borrower pursuant to 1024.41 ( b ) ( 3 ) remain in effect thereafter, even if a foreclosure sale is later scheduled or rescheduled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am the holder of a XXXX XXXX  Business Credit Card Account. The account was opened using the tax ID of my business and a credit check using my social security number. The account was opened in XXXX and had a limit of {$5000.00}. 

I used the card a lot - but paid consistently over the past almost 4 years, paying hundreds of dollars off. 

In XXXX, XXXX I was out of the country on business. XXXX tried to contact me when the account was over 30 days past due. When I got back, I called them to set up a payment arrangement to get back on track with payments. 

The first payment did not go through. XXXX claims the funds were not available - but they were. Payment was for {$150.00} - I had over {$7000.00} in my other linked account. Usually XXXX   will post the payment then I transfer the funds over. In fact - they ALWAYS do this. This time, they did not. 

Instead when I called them they claimed the payment was presented 3 times. I was not made aware of this by XXXX. If so I would have immediately transferred the funds over to cover the payment. 

The second payment of the arrangement went through, but by then it was too late. XXXX closed the account ( I STILL have not received a formal letter or email informing me of this ) instead I found out when my credit score went down over 100 points because they reported this business account to my personal credit report. 

I believe XXXX is TOTALLY in the wrong about this. Their failure to communicate is unfair and unjust. My credit report - which has high balances held for a period of time but accounts are paid on time always ... went from close to a XXXX to a XXXX in one day. Also, because the account is now closed if I did want to pay off the entire balance and use it for my business again, I can not. 

I have been banking with XXXX for over 20 years. I am shocked at this treatment by them to a loyal customer who has banked thousands with them over the years. 

-XXXX XXXX
Product: Mortgage

I WAS INFECTED WITH XXXX and also the tenants loss of income due to the covid -19 impact on the economy Specialized loan promised a 2nd 3 month forbearance and they called today and said they can not honor that and they mislead me. 

specialized loan services and the investing bank has mislead me and lied and will not honor the 2nd forbearance on loan LOAN NUMBER XXXX property address XXXX XXXX XXXX XXXX FLORIDA XXXX -- -- - SPECIALIZED LOAN SERVICES Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX, XXXX I received an email thanking me for a recent purchase from my Best Buy credit card. I immediately contacted Best Buy and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX Best Buy deemed it fraud and canceled my Best Buy credit card and issued me a new one. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX eastern time. I was shocked as he informed me he was collecting a debt on behalf of Best Buy. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " Sir, if I had gotten a collection letter on this, I would 've called immediately, this is NOT MY DEBT, it was fraud. '' He then asked my PO BOX and I told him, bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with Citi-bank who owns the Best Buy credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). 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 am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXXXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the bureaus to remove incorrect addresses that don't belong to me through the mail but they don't ever respond.
Product: Checking or savings account

Wells Fargo banking has the tendency to manipulate the process of debits on the account to charge additional overdrafts fees. I made a debit payment which was an instant withdrawal of fund and Wells Fargo moved other payments around that were processing to charge additional overdraft fees. I have emails and timestamps of the payment made and the order they were in
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I noticed two unauthorized inquiries on my credit report. 

Not sure what dates these accounts were open because I didnt authorize anything, but Im submitting this report regarding unauthorized inquiries that have appeared on my credit report without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1692g, as well as my right to privacy. It has come to my attention that Experian has failed to properly verify a bankruptcy entry in my public record on my credit report. I demand the immediate removal of this inaccurate bankruptcy entry from my credit report, as it violates my rights and threatens my financial well-being.

Under 15 U.S.C. 1692g of the FCRA, credit reporting agencies such as Experian are required to provide consumers with certain rights and protections regarding the accuracy of their credit reports. Specifically, Section 1692g stipulates that if a consumer disputes the accuracy of any information in their credit report, the credit reporting agency must conduct a reasonable investigation to verify the accuracy of the disputed information. This investigation includes contacting the original source of the information to obtain verification.

In my case, I have disputed the accuracy of the bankruptcy entry that Experian has included in my public record. Despite my dispute, Experian has failed to conduct a proper investigation and verification process to establish the accuracy of this bankruptcy entry. This failure not only violates my rights under 15 U.S.C. 1692g but also puts my financial reputation and privacy at risk.

I demand that Experian takes immediate action to rectify this situation : 1. Remove the inaccurate bankruptcy entry from my credit report without further delay. As Experian has failed to properly verify this entry, it should not remain on my credit report, as it is damaging my creditworthiness and causing undue harm.

2. Cease any further reporting or disclosure of this inaccurate bankruptcy entry to third parties, including potential creditors or lenders. It is imperative to protect my right to privacy and prevent the dissemination of false and damaging information.

3. Provide me with written confirmation of the removal of the bankruptcy entry from my credit report and the actions taken to rectify this violation of my rights within the legally mandated timeframe.

I want to emphasize that I am fully aware of my rights under the FCRA and other applicable laws. I expect Experian to comply with these laws and fulfill its obligations as a credit reporting agency. Failure to address this violation promptly and effectively will leave me no choice but to take legal action to protect my rights and seek appropriate remedies. 

Also I have provided documentation that this public record hasnt been provide by the source know as Eastern US Court BK nor any other third party data base, including XXXX  XXXX, XXXX, or metro 2 compliance
Product: Debt collection

My name is XXXX XXXX Direct Recovery Services The ref account # XXXX This company has a computer calling my work cell during regular business hours about a debt that is not mine. I think they got my number illegally.

I want it to stop.

I received text messages from my cell date and time fromXX/XX/XXXX @ XXXX XXXXXX/XX/XXXX @ XXXX XXXX They want XXXX XXXX to call this number XXXX  about a debt.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers '. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

Alaska XXXX BOA Visa card false advertising. Prior to opening card, I wanted to use it ASAP I called Alaska XXXX on XX/XX/XXXX @ XXXX. They returned my call at XXXX stating to call Bank of America. No phone number provided. I reread their advertisement. I called my sister that had recently open a card and verified she received acct # valid thru date and Sec code and was able to use right away. She verified she received this information and used the card instantly. I applied and open card XX/XX/XXXX. I did a test purchase at XXXX for {$21.00}. It went thru. I then waiting in line to purchase ticket to an event. My turn came I provided the information to XXXXL for a purchase of {$1700.00}. My card was rejected. I purchased the tickets on another card with no problem. Later that day I receive a notice that my new card was rejected by XXXX as well. I reason I opened this card at this time was knowing I would be making a large purchase to qualify for the required {$2000.00} in purchases to earn XXXX bonus points toward a free ticket. I sent a complain to Alaska XXXX and spoke with them on XX/XX/XXXX, I was told to talk to BOA. On XX/XX/XXXX I called BOA and spoke to 4 people. I was told, maybe the charge was rejected due to the amount. I've had another BOA credit card since 2000. I have a high 700+credit score. I asked if they would do a credit card transfer of {$1700.00} to payoff card, I had to use due to their card rejection and show it as a purchase so I would qualify for the requirements purchase advertised. They said they would charge me a fee and it would not qualify for a purchase. I feel this is false advertising and I was penalized by their poor judgement and would not work with me to correct their error. Their advertising is false if you can not use the card as published. At this time I should qualify for the XXXX  bonus mileage points but I do not due to BOA errors and Alaska XXXX false advertising. I feel I am not the first person this has happened to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account number XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Equifax for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

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

I have a delinquent account to XXXX/Suntrust bank. It says ( delinquent 90 ) but it also says Account closed due to transfer Opened activity : XXXX Balance : XXXX Past due : XXXX There is also that same account in my closed accounts section from SunTrust bank that says on the account I opened with them on XXXX was settled and that the account paid in full for less than the full balance. 

That SunTrust delinquent account has been closed and dealt with so I don't understand why its still killing my credit by being in the wrong section
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 sent off A investigation letter certified to Transunion tracking # XXXX to make sure all my accounts was properly investigated and that everything was 100 percent correct on my accounts The Credit bureau stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

haven't given these accounts written permission to furnish these accounts on my credit report as well
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Experian Credit Report and there are many variations to my name reporting on my credit report that I would like to have permanently deleted. 
Below is a list of the names reporting on my credit report that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The only name that should report to my Experian Credit Report is XXXX XXXX
Product: Debt collection

I am writing to formally lodge a complaint regarding my JCPenney account, which I believe may involve potential violations of federal credit laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Below are the details of my concerns : Issue Summary : I have experienced issues with [ describe the specific issue, e.g., incorrect billing, unauthorized charges, misreporting to credit bureaus, failure to address disputes, etc. ]. These discrepancies have caused [ describe consequences, such as financial hardship, negative credit impact, stress, etc. ]. 

Attempts to Resolve : I have attempted to resolve this matter directly with JCPenney by [ describe your attempts, e.g., calling customer service, submitting a dispute, sending a written request, etc. ]. However, their responses have been unsatisfactory because [ describe why, e.g., lack of response, refusal to investigate, incorrect resolution, etc. ]. 

Legal Violations : I believe the following laws may have been violated : Fair Credit Reporting Act ( FCRA ) : If the issue involves credit reporting errors, mention that creditors must ensure accurate reporting and address disputes promptly ( 15 U.S.C. 1681 ).

Fair Credit Billing Act ( FCBA ) : If the issue involves billing errors, creditors must investigate and resolve disputes within specific time frames ( 15 U.S.C. 1666 ). 
Consumer Protection Laws : Reference general consumer protection laws if applicable.

Requested Resolution : I respectfully request that CFPB investigate this matter and compel JCPenney to [ state your desired resolution, e.g., correct credit reporting errors, refund unauthorized charges, issue a written response explaining their actions, etc. ]. Additionally, I request that JCPenney comply with all applicable credit laws moving forward. 
Thank you for your time and assistance in addressing this matter.
Product: Mortgage

On XX/XX/2020 I asked for a forbearance on my mortgage with Amerihome loan company. During this time I worked diligently to work with Amerihome 's Loan Mitigation, Due to being released from military duty for an injury. I sent them all the information they required for a loan modification, bank statements, XXXX payments, letters of medical XXXX etc. I emailed them these documents around XXXX  /XXXX time frame. I waited to hear a response and during this time I received letters telling me how much I owed and items that were " supposedly missing '', even though I had the documentation to prove that I sent them everything they needed. I was then notified on XX/XX/XXXX that I was denied a modification due to missing documents and expired information. I called the company and received no help. I then had to restart the process and I faxed them the documents that was needed as well and emailed them the documents. I have now received letters telling me that I will have my credit reported on since I am behind on my mortgage. Amerihome seems to not know what they are doing and the underwriting does not inform collections about accounts that are being reviewed. please help. I am a veteran who has been told that all of this is my fault and I should have planned better.