23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have only been with Select Portfolio Servicing for a year, my account transferred to them by XXXX. 
My home burned XXXX-XXXX-17 & I have been trying since that date to get short pay offers approved. 
XXXX did an appraisal after the fire which came in at {$38000.00} BPO. Two different XXXX  representatives promised me that an offer of {$36000.00} on my part would be accepted. I had the call on speaker & have witnesses that the 2 representatives made this statement to me about {$36000.00} ( 95 % of the BPO ) being accepted. 
It was not! 
This company has been sending me default letters since the fire. Prior to the fire & since, I have missed zero payments. XXXX until now I have sent {$4000.00} in payments to XXXX while being homeless due to their threatening mail. My mortgage payment is supposed to be locked in on a permanent modification at {$490.00}. 
I sent {$1000.00} that I did not owe in the past 45 days to stop the daily default notices & constant collection calls.
Product: Credit reporting or other personal consumer reports

I have filed bk chpt 7 back in 2021 and it was discharged because I was not aware of a certain class course I was supposed to take. I mailed a letter to the judge stating the fact. However it is now showing dismissed on my report. I have tried numerous times that it was discharged and on other credit agencies it doesnt show. On Experian and I believe TransUnion its still on there. I need that removed!
Product: Debt collection

Never heard of these people until XXXX of XXXX. Supposedly a sheriff personally delivered me a summons in XXXX when I was living in another state. 
It is supposedly some debt that isn't on my credit report nor do I recognize any of the " accounts '' they have listed. There are no original account numbers or any information whatsoever. 
Also, they said they have ALREADY garnished and taken my money from an account at a bank I have never in my life had an account with. If they have already taken my money, like their letter says, why do I need to call them to set up a " payment plan ''! 
I asked them for proof of debt. I got a ONE page letter with no information on it, certainly not the original debt or any account numbers or anything even remotely close to what they are required to send. 
It just says to call them to set up a payment. I am on social security so they can't even take my money in the first place. 

The supposed original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; which two phone numbers I found for them and I called. One was disconnected and the other was some lady who just said hello. I have never heard of this place. 

I am not calling them or giving them any of my real information. They already stole my current address from somewhere. 

I am also contacting the MN Lawyers Responsibility Board.
Product: Money transfer, virtual currency, or money service

square blocked funds from my account for no reason and refused to provide a clear release date or reasonable explanation for up to 300 days after the release date. I asked XXXX to release my funds immediately and provide a specific timeline for processing them. 


Frozen amount : {$3400.00} XXXX claimed that my account violated its " Section XXXX '' ( Account termination and holding of funds ), but did not provide specific details or tell when the funds could be released.
Product: Mortgage

I submitted a notice of tender for setoff and a 1099-A with their statement coupon, from monthly statement for total offset of original loan. Along with 1099-OID, 1040v, 1040, form 56 and form 2488. They refused to even accept anything I say or continue to negotiate with me through legal department. They are in violation of XXXX XXXX. I am the surety for the loan. I need help knowing if I'm send correct documentation to utilize my XXXX XXXX XXXX to settle this loan debt.
Product: Mortgage

I applied for a Prosperity mortgage loan on XXXX via a button on their website that says " Apply Now. '' On XXXX I received an email from Prosperity saying, " Thanks for starting a new loan application. '' On XXXX I asked for a loan estimate for the specific address with an offer of {$190000.00}, {$20000.00} down and 3 % seller contribution. The actual address was one digit transposed, and the realtor asked me for the corrected address on XXXX. I provided her with the correct address, and on XXXX she provided me with a fee worksheet. 

On XXXX I again asked the lender for an OFFICIAL loan estimate. The lender replied on XXXX that they can't do that and can only provide the loan worksheet because the loan estimate triggers a live loan file. 

I replied on XXXX, cited your website 's statement regarding lenders being required to provide a loan estimate within 3 days of an application, and again asked for the official loan estimate. The lender replied on XXXX stating, " In the mortgage world, an 'application ' is defined as when the 6 pieces of RESPA information have been received, one piece being the property address when the offer to purchase has been accepted. Since we dont yet have that, we dont have all 6 pieces required by RESPA so we dont yet have their definition of an 'application ' which means the 3-day disclosure timeline does not apply. ''
Product: Credit reporting

There were false information on my credit report. I 've disputed with credit reporting agencies and aside from Experian, others have recognized the error and deleted them items. However, after thirty days of submitting the complaint, Experian only responded with a letter that states " If you question the results of our dispute process, then you may want to contact the furnisher information directly or review the original information in the public record. " Complaint receipt date : XXXX/XXXX/2015Refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, SC, XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, SC, XXXX On ( XX/XX/2022 and XX/XX/2022 ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate this account is reporting inaccurate and incomplete information. You guys are reporting this account twice with two different sets of information, please update this account and send me a copy of my updated credit report reflecting this information.

Account Name : XXXX Account Number : XXXX Please investigate this account each credit bureau is reporting a different date of last activity for this account. Equifax- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX Also, each credit bureau is reporting a different payment status for each account. Equifax and XXXX are reporting this account is paid as agreed. XXXX is reporting this account is currently pass due 6 months. In addition, this bank is no longer open so why are information related to this bank appearing on my credit report. Please validate this account or delete it from my credit report immediate. 


Account Name : XXXX Account Number : XXXX I also believe this account is reporting inaccurate information, please verify this account information is correct. 
Each bureau is reporting a different date of last activity. 
Account Name : XXXX XXXX Account Number : XXXX The following account isnt mine. Please remove it from my credit report. 
Amount : {$270.00} Account Name : XXXX Account number : XXXX Amount : {$460.00} Please investigate this account, each credit bureaus are reporting a different high balance amount and no way this could be correct. 

Account Name XXXX Account number : XXXX Please Investigate every piece of information is that you are currently reporting is correct and incomplete. If not please remove it from my credit report. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is.
Product: Credit card or prepaid card

I was just looking for different credit card offers only, since my credit has a freeze for identify theft. I have to call the credit bureaus to unlock before I can apply, and I got a notice that I was denied when I wasn't intending to apply for the credit card at Capital One. I was just viewing the offer, and interest rates. I never applied for credit, now it's showing as a hard inquiry on my credit. I need this to be removed please it's false advertising, and false information. Thank you. XXXX XXXX
Product: Mortgage

Dear Sir/Madam, I contacted Pennymac on XX/XX/XXXX, to request the removal of our escrow account. Unfortunately, my request got denied via email on XX/XX/XXXX. When I called Pennymac on XX/XX/XXXX, to inquire about the denial, a representative informed me that the LTV was 71 % when it should have been 70 %. 

I asked the representative about the value used, and they informed me that an appraisal from XX/XX/XXXX was used, which showed the value at approximately {$600000.00}. However, I informed them that we had recently had our home appraised by a licensed professional, and it was valued at {$980000.00} due to some major upgrades we had done in the past few years and other outside influences of the market. I emailed them a copy of the new appraisal the same day. 

Despite this, I received another denial for the removal of escrow on XX/XX/XXXX, citing the exact reason for the minimum current and original loan-to-value ratio needing to be met. When I called Pennymac again, the representative informed me that they didn't know why Pennymac was still using the old value, as the denial letter mentioned the minimum current value. The representative couldn't provide me with the minimum present value used, as they didn't use any current value ; they only based their decision on the original value from XXXX. And when I asked her what can be done to help me she just hung up on me and never called me back. 

I have attached copies of both denial letters for your reference and a current copy of the appraisal that I submitted to Pennymac but refused to review. 

I am contacting the CFPB, hoping they can assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

WAS CAR SHOPPING AND THE DEALERSHIP SUBMITTED MY CREDIT FILE TO MULTIPLE BANKS. 

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

When I disputed the NORMAL route they considered it as VALID and meeting FCRA requirements and left this damaging account on my credit file. 

The fact that credit bureau 's took the creditors word for it that the debt was valid also holds them ACCOUNTABLE! 

I can take legal action against all parties that FAILED to do their DUE DILIGENCE AND verify my claims that the debt was inaccurate. 

Inaccurate includes open date, and date last active.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX is reporting an item that has been paid in full and should be removed from my credit report. I am attaching the paid if full letter and the request from XXXX to remove this item from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the items listed on my credit report that violate my rights under 15 USC 1681 and the Fair Credit Reporting Act. As a natural person, I have the right to privacy and confidentiality, and I have not given permission to the consumer reporting agencies to furnish the accounts listed below.

According to 15 USC 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may include any adverse item of information in a consumer report that is more than seven years old, except for records of convictions of crimes. 

Furthermore, 15 USC. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency. 

The following inquiries listed below are fraudulent and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I demand that these accounts be deleted immediately in accordance with the Fair Credit Reporting Act. I have contacted the companies responsible for these inquiries, and they have provided no proof that I have authorized these inquiries or that they have a permissible purpose. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Company : XXXX XXXX XXXX is reporting a collection in the amount of {$5600.00} reported on XXXX.I never signed a contractual agreement nor did I open this account. I filed police report as identity theft. ( see attached )
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX I called the company/ loan provider " Systems and Services Technologies Inc. '', their address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX to ask if they had a payment plan available for me because the payment I was making was too high. They said : " Yes, they did '', so I enrolled on a payment plan of XXXX XXXX/month in accordance with what they told me. They played a recording where I had to give my consent to the new payment plan ; I gave my consent. They indicated I was already enrolled in the payment plan, and I would only need to make the payment of {$360.00}. In addition, they also told me that they were going to mail me, email me, or put the electronic documents showing this change on their portal, but they never did. Since XXXX, I have been calling them almost 4 times a month requesting the documents and asking them if I was ok making the continued payments {$360.00} dollars, and not the monthly full amount of {$720.00}, to which they always replied yes, that is sufficient. Representatives said that the documents were processing, and that the documentation department was almost ready to send those. The representatives were very deceiving and lied to me every time I called saying that I was ok, and that I was currently enrolled in the payment plan described above. They indicated that I did not need to do anything else, and just wait for the documents. I just found out that they closed the loan of {$19000.00}, and transferred to XXXX XXXX XXXX, XXXX, which is a debt collector company and law firm. This action has affected me so much because they made me believe I was on a payment plan, and everything was ok. Now my account is in collections and my credit score has been affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see Unauthorized inquiries from XXXX on XX/XX/XXXX andXX/XX/XXXX. Please remove from my credit file as these inquiries are unauthorized and without my permission.
Product: Credit card or prepaid card

I initially contacted Bank of America ( BoA ) on XX/XX/XXXX regarding a disputed charge that a vendor acknowledged I previously paid but could not refund the charge immediately. The charge was to my local electricity company for {$500.00}. The vendor admitted that this charge was made in error, but I had to pay them in the immediate to turn my power back on. I know that BoA did not contact the vendor because I've spoken to the vendor numerous times since and receive confirmation that BoA did not contact them. The vendor recommended I file a dispute with my credit card company ( BoA ) as this was the quickest way to resolve the issue. On XX/XX/XXXX, BoA asked for additional documentation about my claim and a signed letter from me instructing them to continue to investigate. I was given the deadline of XX/XX/XXXX. On XX/XX/XXXX, I completed the required paperwork and documentation and saved an electronic copy on my computer for upload via BoA 's portal. When I logged in, BoA has disabled the upload function 5 days prior to the stated deadline. I immediately contacted BoA in order to request this be re-opened. I reached a customer service agent and was assured the portal would be re-opened the next day. It was not. I then contacted BoA three more time that week with the same outcome. I was then told my claim was closed and would not be reimbursed ( although my ability to provide documentation was denied 5 days prior to the deadline ). I have seen talked to BoA three times and they have repeatedly been hung up on and denied any assurance that my claim would be re-opened. I faxed my documentation to BoA and still have not had my claim re-opened. I am 12 days away from my payment due date and this charge has still not been removed from my account because BoA has unfairly made it impossible for me to provide additional documentation about my claim. I have attached the paperwork and documentation BoA initially asked for to this complaint. I just need them to re-open my complaint and actually communicate and investigate.
Product: Credit card

I contacted Nordstrom credit to ask for an evaluation of my interest rate. The default rate is 31 % and can be implemented any time a customer falls behind. 
However, I was told that the system would not allow an eval and Nordstrom is unable to do any evals for at least the next few months. I asked if customers lower rate would be retroactive ... I was told they cant even access the tool to determine if a rate adjustment is possible. The agent could not even XXXX me a timeline as to when the system would be working again. 
Why are customers expected to pay extra for months without any way to re-evaluate? If that is the case, Nordstrom should not be allowed to raise interest rates until the entire system is fixed. I was told TD Bank is running the system -- seems strange they can not get things corrected when they are up and running branches and other services every day. 
These default rates are robbery -- but to be forced to continue to pay higher rates with no way to reduce or even be considered..is fraud. If you multiply the extra charges over thousands of customers..it could be substantial profit for the company while being a hardship for people struggling to pay their bills on time and catch up late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA. A bill without a signature does not imply that the debt is valid, and anyone may submit a bill and claim ownership. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly a violation of the law to placed it for a collection with profit loss write off.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a month ago I disputed multiple items on my chexsystems report. Chexsystems completed their investigation and was able to corroborate my compliant and removed the items in question from my report. They sent me a new report. 

Since then I went back to the credit unions to open my accounts that were previously denied me. Two of those credit unions were able to verify that while I may have a corrected chexsystems report, on their end when they pull the report the same information is still being reported though the chexsystems product named " Qualifile '' Today I was able to verify that information with a third credit union. The credit unions are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 

Chexsystems must completely update all of their systems so that the credit unions have the same information that they gave me in a new report on XX/XX/2020 and rescore me based on those changes.
Product: Debt collection

On XX/XX/2021, IQ Data agreed to work out a payment plan and accepted {$110.00}. The next day the company then proceed to take an additional {$110.00}. Did not think of twice, I presumed it was an error but ultimately it was still taken out of my account. A week later I received orders to go to basic combat training for the XXXX XXXX. A couple of weeks later after the first payment made, I called the collection company and informed them that I wont be able to pay the full amount and asked if I could just make a payment plan because I wouldn't be able to communicate with my bank due to phone restrictions in basic training and then I was verbally assaulted, the man proceeded to making rude comments and yelling at me, and refused my request. However, on XXXX XXXX on 3 separate occasions, XXXX, XXXX and and XXXX on XX/XX/2021, they tried to charge my card {$4700.00} after telling them I was unable to do so due to my limitations and then telling them I do not authorize them charge the full amount on my card. They then proceeded to keep attempting to charge my account on 6 different days ; XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, and XXXX XXXX XXXX  at XXXX.