23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My father passed away in XX/XX/XXXX. His mortgage was held by Select Portfolio Servicing Inc ( SPS ). I went to court and was appointed as the Administrator of his estate. Once I had the applicable court documentation I called SPS to catch up the mortgage to ensure the property would not be lost. I first contacted SPS on XX/XX/XXXX and emailed in all the requested documentation to have me added as an authorized individual on the account. However even with the court paperwork they refused to provide me info on the loan, amount to get it current, etc. until I provided them my tax returns, pay stubbs etc. With each call they would try and trick me into applying for a new mortgage by providing all those documents all while the mortgage grew further behind because they would not provide info. After several calls where I tried to obtain the needed info and instead was tried to be tricked into taking a new loan in my name at the current interest rates which are double the current note rate I got my attorney involved. We called SPS together and of course upon hearing there was an attorney on the line they for the first time said they dont need my tax returns and pay stubs and can tell me whatever I need to know. Thus the first complaint again SPS is that they are trying to take advantage of individuals in difficult times after loosing a loved one to try and leverage them into new business even though it is not required by law they act as if it is. 

The second complaint is during this period of time when they would not provide the mortgage info to get it paid current they were without notifying us or consent sending technicians into our property. They changed the locks despite no communication or filing about any movement toward foreclosure. Upon paying the mortgage current we were still not notified of their accessing the property nor was the lockbox removed. They have now changed our locks and when opening the lockbox no key is inside so we can not access our own property that is fully current on the mortgage. Because they changed the locks and let unknown persons into the residence our property was illegally access and all my late father possessions have been stolen.
Product: Credit reporting or other personal consumer reports

This account was Charged Off on the following date XX/XX/XXXX. Since then the account has repeatedly been updated as a Charge Off every month. This is an update in the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXXXXXX This account was Charged Off on the following date XX/XX/XXXX. Since then the account has repeatedly been updated as a Charge Off every month. This is an update in the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of rights XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

FOCUS RECEIVABLES MANAGEMENT has been calling and harassing me about a bill owed to XXXX. 
I haved contacted XXXX XXXX and the company states they have no record of me evering having there service or owing a bill with there company. 
I have told Focus Receivables Management on numerous phone calls this information and have asked for proof from there company showing I owe this debt. 
Now this company are reporting a collection account with all three credit bureaus listed under my name, which is ruining my credit standing. 
I asked for them to delete this false information from my credit reports without any luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to JPMCB - CARD SERVICE agency. I paid the charge-off and do not owe anything, you promised to delete this account after payment. I am kindly requesting JPMCB - CARD SERVICE agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I have been victim of an online breach of information. In result my identity has been stolen, there is incorrect debt being reported in my name, as well banks fraud in name now I am not able to open a bank accounts! for some reason with any large banks because their something reporting that is coming back causing me to get denied. as well as incorrect debt reported on my taxes. It has also affected me being able to file taxes. I was informed that I received XXXX XXXX XXXX XXXX when I tried to file one on my previous years and I have to pay taxes on money that I have never received or used for XXXX XXXX Which I am now also banned from using by the way for some reason due to data breach criminals was able to get my information use it to open accounts, scam through XXXX XXXX now reporting Ive made money Ive never seen and more. that was not me so I am writing you guys know that My information was exposed in a date breach and you have to remove this immediately dont turn my dispute into a 3rd day dispute under section 605 B. Thank you.
Product: Credit reporting or other personal consumer reports

theres 10 unauthorized hard inquiries on my credit report & I would like them to go ahead have them removed immediately the following companies are : XXXX XXXX XXXX CAP ONE NA CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had this company credit card since XXXX and never missed a payment well on the months of XXXX and XXXX I had a tragic family event happened where a close family member XXXX XXXX  XXXX in a car accident and I tried paying to pay my bill but it wouldnt let me after several tries I was able to the next day but they gave me XXXX late payments and it damaged my credit drastically
Product: Student loan

In XXXX, I reached out to XXXX  ( my loan was just switched from XXXX XXXX ) to inquire about loan forgiveness for Federal Government employees. XXXX explained that in order to certify my student loans my loans would have to be sent back to XXXX for servicing. 

XXXX contacted me and said they would need to review my employment record from XX/XX/XXXX and look and my payments and they will tell me the number of qualifying payments after their review. 

XXXX  finally reached out and stated that I had " 0 '' qualifying payments. I was told that " I was not in an income-driven repayment plan. '' The agent helped me switch over to the pay-as-you-earn repayment plan and recommended that I consolidate my loans to help pay them down faster. 

In XX/XX/XXXX, I was informed that there was a reversal on the decision and now ALL repayment options for the loan forgiveness program and that I needed to resubmit my request -- and I did. 

After reaching out the XXXX after discovering the reversal decision, I was told I needed to resend the original denial letter and resubmit a new form. After submitting this information, XXXX stated that I only had " 10 qualifying payments '' because my loan was consolidated in last year. 

The only reason I consolidated my loan was because XXXX initially told me I had " 0 '' qualifying payments because I was in the wrong repayment plan so I switched it. 

XXXX should consider those original payments starting with XX/XX/XXXX to present because the only reason my loan was sent back to XXXX was so they could review my loan for federal loan forgiveness program. Now my account shows that I only have 11 qualifying payments. This is false/misleading information from the student loan servicing entity to trick people into consolidating loans to lower their payments, but they are doing this to disqualify payments for their " loan forgiveness program '' scam. The only reason I considered becoming a XXXX XXXX was because of this program. Now, XXXX claims I have to work and pay an additional 9 more years. 

These loans include both undergraduate educations starting back in XXXX to more recent graduate loans in XXXX. I have paid my fair share. I just want the Department of Education to follow through on their claims to borrowers.
Product: Checking or savings account

Hello, I noticed that I had an issue when I tried to go open a bank account with the XXXX XXXX XXXX on XX/XX/XXXX, and was told that due to some information being reported by XXXX XXXX XXXX and XXXX XXXX I would be unable to open any bank account. I went home and called them both to figure what is going on and I was told by XXXX XXXX that I had a bank account opened in or around XXXX XXXX XXXX and that bank account was closed due to fraudulent activity. I found this information new and I told them I never open that account at all. I started going through the tedious process of trying to get the account removed. I filed an official police report, I made a identity theft report and I froze my credit files. I sent all this information into the XXXX XXXX and Bank Of America and I have not heard anything back yet. When I do I was told that they didn't believe me and that it would remain on my banking history file. All I want is for this to be removed and solved so I can move forward with my life.
Product: Vehicle loan or lease

Refinanced home mortgage with enough cash out to pay off car loan. Loan closing was on XX/XX/XXXX with disbursement scheduled for XX/XX/XXXX. M & T Bank claims it did not receive payment until XX/XX/XXXX, thirteen days ago. After not receiving lien release I spoke with M & T representative today and was told they have to wait for check to clear but the automated system said the account was paid off on XX/XX/2019. I can not sell this car without a title and getting the lien release is just the beginning of the process. I believe this should have been done before this.
Product: Money transfer, virtual currency, or money service

Im filling this complaint against PayPal Holdings , Inc. 
XXXX XXXX, California USA. 
Hi. 
On the XX/XX/2021 PayPal limited my account temporarily and asked me to provide information about my services which I did. Later on my account was permanently limited. PayPal promised to remove the limit on my fund and allow me to withdraw after 180 days. Few days to the agreed 180 days PayPal withdraw my balance to zero. PayPal allegations are false. Copyright infringements and trademark violations stated by PayPal are nonexistent. All disputes with my clients have been already resolved and the remaining balance was my hard earned money. PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. PayPal should provide the service they think went against their aup and I will provide a feedback from the client. The screenshot below are from my transactions. PayPal asked me to provide them before limiting my account permanently which I did. PayPal should verify all this transactions and the customers emails. I can also provide my national ID card if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote them a dispute letter back in XX/XX/2022 asking them to investigate several accounts on my credit report and they never sent me a response. these accounts are reporting incorrect and are duplicate accounts same account numbers reporting multi times.
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX and 10 days later, I applied for another account. Before doing so, I spoke to two people who said that there wouldn't be another Chex inquiry since the first account was recently opened. However, there was another inquiry for the XXXX account. I contacted both Chex and XXXX and XXXX said that they're unable to remove it themselves. They suggested that I contact Chex. The attached chat confirms that the XXXX rep told me, " the chex inquiry is good for 30 days. After 30 days we will have to do another one. '' When I contacted Chex about this, I explained and the rep confirmed that it shouldn't be on my report if they said that they wouldn't do another inquiry. However, after their investigation, it was deemed valid. Either Chex didn't reach out to XXXX or XXXX didn't look into the issue. I contacted Chex again and their notice said that my claim was " is considered frivolous or irrelevant. ''
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, a US Citizen, and a consumer whos consumer rights are protected by 15US code consumer laws. I recently received a copy of my consumer report and found that my consumer rights have been violated under the law. XXXX XXXX XXXX  account number XXXX has furnished late payments on my Transunion consumer report in XXXX XXXX and XXXXXXXX XXXX XXXX This is a clear violation of my consumer rights by both XXXX XXXX XXXX  and Transunion. 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code clearly states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I gave no permission or consent verbally, written, or electronically to furnish these alleged late payments on any of my consumer reports. Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of Construction- Exclusions from a consumers report clearly states. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeA consumers transactions are excluded from consumer reports. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete these alleged late payments on this account for this is a direct violation of my consumer right under this law and is grounds for legal action against all parties involved. Failure to respond to my demand under the law in 30 days or less will result in legal action for which I will be seeking damages of {$1000.00} per violation. 1 ) Defamation of Character 2 ) FCRA 15 USC 1681 violations for willful non compliance -616 Civil Liability for willful non compliance under 15 USC 1681n Please Understand these actions taken by these companies to furnish then report these marks have harmed my credit and reputation and my ability and freedom to bank, do business with, obtain funds, be approved for credit at low interest rates and to buy or move into a better place for me and my family. Please address this in a timely manner under the FCRA. Thank YOU
Product: Credit card

I have four accounts under the Colony Brands umbrella : Ginny 's, Ashro, XXXX XXXX, and Seventh Avenue. Each one has been open several years, but none are being reported accurately. My credit score has now taken a hit WHILE I'M IN THE PROCESS OF TRYING TO BUY A HOME because they erroneously reported my Seventh Avenue as closed, even though it is still open and revolving. Their argument is that " somehow '' I was accidentally given two account numbers on EACH account, so they will not report ANY account I have, period. I have called on numerous occasions to have them tell me that they don't have to report my accounts, with me telling them each time that they have a responsibility to report all accounts accurately. Now, they have reported one of, if not all of my accounts as CLOSED, which is ABSOLUTELY INACCURATE.
Product: Debt collection

XX/XX/XXXX contacted XXXX XXXX after a threat of lawsuit over " NSF XXXX. '' I advised the organization that the debt is from XXXX and exceeds the statute of limitations for legal remedy in Texas. The agent advised that the statute of limitations for " independent debt '' is 20 years. I advised the agent that if I am sued over this, I will counter sue and win. The agent advised that they would be closing out my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rights protected consumer rights to privacy and confidentially under 15 USC1681. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. I have paid this account as agreed, in 2022 I had to file the overage on my taxes which penalized me and yet this is still reported on my credit report as a negative account. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I paid it and I had to file it on my 2022 taxes. 
XXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I had to file it on my taxed on 2022 XXXX XXXX, Acct # XXXX, has violated my rights. Same for this account. I paid it and had to file it on my taxes in 2022 XXXX XXXX, Acct # XXXX, has violated my rights. I have went to court three times with this company and they were a no show three times, the court dismissed the case. The currently keep switching attorneys and is harassing me. 
It is against my rights to have to file credit cards as income on my taxes. XXXX XXXX, XXXX XXXX and XXXX  sent me information to place on my taxes and I had to pay taxes that year as they counted this as income. That is ILLEGAL.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately 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 XXXXXXXX XXXX XXXXXXXX delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Also these accounts are listed more than once on my credit reports!!!!!
Product: Credit card or prepaid card

Never received a bill in the mail so fell behind and XXXX credit limit card went into default.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I have two authorized user accounts that are incorrectly reporting on my credit profile. These account do not belong to me, and I have requested to be removed from them as an authorized user.

I have contacted both the credit card company and the credit bureaus multiple times to request the removal of this account, but it remains on my report. This inaccurate reporting is negatively affecting my credit and causing unnecessary stress. 

I am requesting your assistance in investigating this matter and ensuring that the account is removed from my credit profile as soon as possible. 
Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Vehicle loan or lease

I'm a XXXX XXXX XXXX female who was offered a predatory loan of XXXX % with an inconsistent payoff amount in relation to the money I put down on the vehicle. In XXXX of XXXX I brought a used XXXX XXXX XXXX XXXX coupe from XXXX XXXX in XXXX. Within the first two weeks of purchasing the vehicle the engine belt had shredded. 

The first few months I paid over the amount that was due. Then, over the summer I was admitted to the hospital twice, causing a disruption in my entire income and job placement. My first stay at the hospital cost over XXXX dollars and I haven't received my statement for the second hospitalization. The bank, Santander USA, refuses to refinance the loan. 

I have tried to access my account online to download necessary documentation but their online system claims they don't have my social security number on file for me to access it. I have tried multiple times with my SSN and birth date.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are contacting your agency in regards to multiple calls by what we call robocallers which is like persons in order to obtain personal information such as social security number, birth date account information and collection accounts that do not exist on our credit report. 
Obtaining information such as financial information posing as IRS agents and sending out false documentation in order to fraudulently remove are IRS refund checks. 
Posing and contacting as persons offering jobs or Services needing Social Security numbers, birth dates, name and address same organized group of criminals posing threats to Identity, data breaches and Financial obstruction of justice.

We are requesting that our phone number be placed on the Do Not Call registry for three consecutive years and that a renewal be submitted to us upon expiration Thank you