23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good morning, I qualified for a home modification with SPS. I made my payments according to SPS 's instructions. They gave me the principal reduction of {$76000.00}. Then they stole the money back by withdrawing the same amount, {$76000.00}, from my account. Then they lied by saying they were taking the money out for a government program. 

Now I read that SPS was given a $ XXXX Bailout on XX/XX/2009 as an Incentive Payments for Home Loan Modification. ( XXXX ). I am told they never paid that back and are not expected to pay that back. 

So, my question is, if they received $ XXXX for loan modifications but they are stealing the modification back from the homeowner and then lying to the homeowner in the name of a government program, why is the government allowing this? It seems like SPS is stealing XXXX from the taxpayers and then stealing {$76000.00} from the homeowner in the name of a government program. This is illegal, right? 

Thank you for clarifying this publicly. 

XXXX
Product: Credit reporting or other personal consumer reports

These accounts keep reporting to my credit report negatively and I need them removed immediately with 15 USC 1681a
Product: Debt collection

The company called National Recovery Agency is charging me XXXX for a gym membership I cancelled a long time ago. I will not be paying this money because I cancelled the membership because I was going to deploy I sent my orders many times to the gym stated in their letter. I can not pay for the money they are requesting. 

I am scare that this people are going to harass me just like the gym did just because I am a XXXX women of XXXX. Please help me. I am truly scare that this people are going to talk to my leadership or damage my credit.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I payed XXXX on a XXXX dollar loan
Product: Credit reporting or other personal consumer reports

I have accounts reporting on my credit due to fraud, I did not open these accounts, I had a nurse taking care of me due to XXXX reasons and was tooken advantage of due to her getting a hold of my information, I gave no one permission to open anything in my name and will like them to be removed please
Product: Mortgage

I have been trying to get ahold of the mortgage department. I went online, as this is one of their 3 ways, received an email from someone ( I later find out is not trained in refinancing but was signing her emails as a mortgage associate ) telling me to call. I try, get lost in the queue. I respond requesting a call and am told I need to call. This occurs 3 times PRE COVID. Then the hours changes. I finally got in touch with someone after 2 hrs on hold they tell me my call was transferred out of the mortgage queue so I request a supervisor, she transferred me back to the queue. 3.5 hrs of total time never reached anybody. I then tried to contact social media. I got an email address to contact their executive team. I got a call from someone 10 days ago stating their team would be handling my request going forward and following up every 10 days. 2 days later I got an email stating the issue was not handled appropriately by the first person ... .. 

Today I get my follow up stating the issue is resolved. When I point out that the refi is not done she offers to transfer me. I asked for someone to call me or a request to be put in to call me XXXX states " they do make outbound calls but you have to try one of our 3 methods first. Online, phone ... '' I've already tried this and it was mishandled! At this point I've been trying for 6 weeks and I'm convinced its drawn out and people are unwilling to help so wells can continue to collect PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiries removed or have anyone from TransUnion contact me about the status of my concern. Here are the incorrect information and inquiries that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX  Date Updated : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining  regarding some of the hard inquiries on my account I dont recognize some of them I will list them XXXX XXXX XXXX XXXX

Amex

XXXX  XXXX XXXXI have tried to get these removed but no one is responding to me if u could help that would be great Thank you
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Update and remove all address on my file that are not current. ASAP. As well as all the negative accounts that do not belong to myself listed below. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Never Lived There ) XXXX XXXX XXXX XXXX, GA XXXX ( Never Lived There ) XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
XXXX XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
XXXX : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX XXXX XXXX  : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, SYNCB/TJX CO add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

So I had a Debt with XXXX they sold my debt to LVNV FUNDING LLC I was told by a lawyer it is against the law so they keep calling me XXXX to XXXX times a day I have Disputed it with all three credit bureau and XXXX different times
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a domestic wire transfer from my personal checking account at XXXX XXXX  to the bank of Coinbase, XXXX XXXX XXXX. Coinbase 's publicly published policy for wired funds is to have it credited within 1-2 business days. 

On XX/XX/XXXX, after checking my Coinbase account and the money was not credited to my account I opened a support case with them through their online support platform. I did not hear back from XXXX until I called their support number on XX/XX/XXXX, waited on hold for almost 2 hours, only to be told my case was escalated to a " wiring specialist ''. On XX/XX/XXXX there was an update posted to my case by the support rep I spoke to on the phone, but since then there has been absolutely no response from their support team nor has the {$5700.00} USD been credited to my account. 

On XX/XX/XXXX, I called their bank, XXXX XXXX XXXX, spoke to someone in their wiring department, and this individual confirmed to me over the phone the funds were received and had been credited to Coinbase 's " general '' account and it was now up to Coinbase to credit my account. 

On an almost daily basis since XX/XX/XXXX, I have requested an update in my support case but no one has responded. 

On XX/XX/XXXX, I visited Coinbase 's bank branch in XXXX XXXX  XXXX. During this visit a representative confirmed to me again that they, XXXX XXXX XXXX, had received the wired funds and had credited the funds to Coinbase 's general account but again that it was up to Coinbase to credit my account. 

As of today, XX/XX/XXXX, 41 days after having sent my wire transfer the funds are still not available to me and there is absolutely no communication from Coinbase on the matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, 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 XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the inaccurate information on my credit report, which is maintained by Experian Information Solutions , Inc. Despite my efforts to rectify the errors, it has come to my attention that the discrepancies persist, and this has caused significant harm to my financial standing. 

I have made multiple attempts to dispute the inaccuracies through the proper channels, as outlined in the Fair Credit Reporting Act ( FCRA ). However, it appears that these efforts have not been successful, and the inaccuracies persist. 

I believe that Experian Information Solutions , Inc. has failed in its duty to ensure the accuracy and integrity of the information in my credit report, as mandated by the FCRA. This failure has resulted in damage to my creditworthiness and has adversely affected my ability to obtain credit on fair and reasonable terms. 

I am hereby providing notice of my intent to pursue legal action against Experian Information Solutions , Inc. for violations of the FCRA and any other applicable laws. I believe that your company 's actions have caused me substantial harm, and I am left with no alternative but to seek legal remedies to address this matter.

I strongly urge Experian Information Solutions , Inc. to promptly investigate and correct the inaccuracies on my credit report in accordance with the provisions of the FCRA. Failure to do so will leave me with no choice but to proceed with legal action. 

Please consider this letter as a final opportunity to rectify the situation before legal proceedings are initiated. I expect your prompt attention to this matter and a timely resolution.
Product: Credit card

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX, I submitted credit applications for Capital One. Each and every one was denied. However, I never consented or submitted a credit application knowingly with my personal information for XXXX. I received an email from Capital One on XX/XX/XXXX stating that a credit card was shipped out. I was completely unaware of any credit applications submitted with my personal information.
Product: Credit card

This is showing on my credit as owing over {$800.00}. I do not have any knowledge of this account. I wouldn't have been approved for {$800.00} as my credit wasn't that good a few years ago. My ex husband has opened several accounts in my name on line and taking out loans, and I have had to fight to have those removed. Please supply the info for the credit card as I have no knowledge of this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was notified by TransUnion that XXXX performed an illegal hard inquiry pull on my credit. I did not consent to nor agree to any hard inquiry and have not looked to open any further accounts with this credit union.
Product: Debt collection

On Saturday, XX/XX/year>, I received an electronic communication from a company by the name of XXXX XXXX XXXX, a debt collection agency alleging a debt owed to XXXX, a buy now pay later loan service. I received another comunication on Sunday, XX/XX/year>, which I find to be in violation for religious reasons. The communication is through email. Due to concerns with phishing, I do not open suspicious links sent through email or text. I find the communications suspicious as I have not received any validation information through the United States Postal Service. I find the conduct of XXXX XXXX XXXXXXXX to be in violation of the Fair Debt Collection Practices Act as their electronic communications are increasing in order to harass, oppress, and abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested TransUnion to update my personal information on XX/XX/2021, and remove all inaccurate personal information from my credit report per the Fair Credit Reporting Act and they have failed to comply with my request to update my personal information and to delete all inaccurate personal information per the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My mother passed away in XXXX. She had an IRA account at Wells Fargo with about {$45000.00}. I am one of 3 equal beneficiaries of the account. I properly filled out a Wells-Fargo " IRA Beneficiary Claim Request '' form requesting my portion of the funds. The form requires a Medallion Guarantee. On XX/XX/2019 I went to my local XXXX XXXX XXXX branch which is one of the banks I do business with. They said their policy is that they can't do the Medallion Guarantee unless the funds are being deposited into an account at XXXX XXXX XXXX. I went to a local Wells-Fargo branch with the form and was told that they couldn't do the Medallion because I didn't have an account with them even though I'm a beneficiary on the account. I also contacted another one of my local banks ( XXXX XXXX ) but was told they don't do Medallions for less than {>= $1,000,000}. At this point, I have no way of getting my funds from them except for their form that is specifically for this transaction, Wells-Fargo has my funds and will not do the Medallion on their own form to release the funds to me. Any assistance would be greatly appreciated.
Product: Consumer Loan

On XX/XX/2015, I bought a new car, and traded in my XXXX XXXX for a XXXX XXXX. 
On XX/XX/2015, XXXX sent a payoff check to XXXX for the balance of my loan. 
On XX/XX/2015, Hyundai Motor Finance took an unauthorized payment from my checking account via ACH as they have been doing for 2 years. I called them, told them I no longer owned the car and asked them to cancel the ACH payments. They agreed, but told me it would take 30 days to refund my payment. I called my bank who managed to stop the payment. 
On XX/XX/2015, XXXX again debited my account for another full payment, but I did n't catch it until Saturday XX/XX/2015. My bank ca n't stop the payment this time, I was too late. 
My understanding of the definition of fraud, applies in this case.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Student loan

The online portal is demanding inappropriately early payment on my student loan. 

According to a status letter from the company dated XX/XX/XXXX, my next loan payment is not due until some time in XXXX. However, the online portal for my account continues to show my next loan payment as being due on XX/XX/XXXX. 

I have asked the company on multiple occasions to have their online portal accurately reflect my loan payment dates. It has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft has happened to me. Block and remove material from my consumer report under 15 USC 1681c-2. Failure to comply is a violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a dispute letter via certified mail to Experian. Experian 's responded as quoted : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. ''
Product: Mortgage

Originally began the process of taking assumption of my mortgage loan from my ex on XX/XX/year>. XXXX and forms requested were all sent over via email ( see attachments ) on XX/XX/XXXX. On XX/XX/XXXX, I was able to speak with a mortgage consultant, XXXX XXXX. She reviewed all my paperwork, talked me through my options which involved a XXXX, a couple remaining items ( more recent pay stubs, see email attachments ), which were all sent over on XX/XX/XXXX. Since this time, I have been unable to receive confirmation that any of these documents were received, unable to speak with XXXX XXXX after many unanswered calls, voicemails left, and unanswered emails. The next step in this process was supposed to be underwriting ( which was originally communicated in XXXX as taking XXXX days once in underwriting ), so I tried to be patient. I eventually reached out to the generic NewRez phone line ( see list of phone communications below ) and no one could provide me with an answer, and it was recommended to send an email ( of which I have been doing and getting no response, see email attachments ). This has been completely unacceptable. My ex and I are both trying to move on from this situation and this has gone on long enough with no resolution, updates or explanations for the delay and lack of communication. 

Phone communications : XX/XX/XXXX XXXX XXXX - outgoing, NewRez XX/XX/XXXX XXXX XXXX  - outgoing, NewRez XX/XX/XXXX XXXXXXXX XXXX  - outgoing, NewRez XX/XX/XXXX XXXXXXXX XXXX - outgoing, NewRez XX/XX/XXXX, XXXXXXXX XXXX - missed call, XXXX XXXX XX/XX/XXXX XXXX XXXX - outgoing, XXXX XXXX, voicemail left XX/XX/XXXX XXXXXXXX XXXX - outgoing, XXXX XXXX, voicemail left XX/XX/XXXX XXXX am - ougoing, XXXX XXXX, voicemail left XX/XX/XXXX XXXX pm - incoming, XXXX XXXX, XXXX hour XXXX minutes review of all docs, XXXX app XX/XX/XXXX - outgoing, XXXX XXXX, voicemail left XX/XX/XXXX XXXXXXXX XXXX - outgoing, XXXX XXXX, voicemail left XX/XX/XXXX XXXX XXXX XXXX outgoing, XXXX XXXX, voicemail left XX/XX/XXXX XXXXXXXX XXXX - outgoing, NewRez - spoke with someone, no update or explanation available
Product: Debt collection

This is for services I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Fl. This was in 2017 fully covered by my insurance and I address this with the office which was being run by his wife. Then they closed down for insurance fraud for over charging the patients and attempting defraud them for charges not owed. They are presently under investigation. His wife has now sold patients information to private collection companies.