23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was purchased from XXXX by Select Portfolio Servicing , Inc ( hereafter, SPS ) within the last six months. Upon the sale of our mortgage loan to SPS we have noted a significant change in the fees applied in servicing our loan. The business practices of SPS, more specifically the fees for making a mortgage payment have been very disconcerting. The significant monthly fees to make a payment are biased, discriminatory and penalize individuals who have limited access to the internet and banking services. 

When our mortgage loan was with XXXX, a monthly mortgage payment could be made through the automated telephone service for XXXX. SPS now charges $ XXXX ( $ XXXX ) to make a payment through the AUTOMATED telephone service and {$15.00} to make a payment with a representative over the phone. Per the representative, a bank to bank mortgage payment can be completed for free. Or, if autopay is set up using a bank account it is free. I have previously set up autopay to pay a bill in a different situation only to have funds deducted prior to agreed upon date. Therefore, I never use that option anymore. Utilizing the United States Postal Service requires the cost of a stamp, would require a check be mailed prior to funds being available to arrive on-time ( which is not preferred ) and risk the payment being late due to the uncertainty of delivery times during current pandemic. 

Thus, does a consumer have the right to choose which CREDIBLE company purchases his/her loan? What are a consumer 's rights in the choice of who buys his/her loan? When my home was purchased over 20 years ago I had a choice in choosing my mortgage company. 

Now, years later, we are forced to deal with SPS, a company we are very uncomfortable with due to its business practices. Tonight, this writer had another FRUSTRATING, unsatisfactory experience attempting to make a mortgage payment, during this pandemic, without paying a fee. Ultimately I requested to speak to a supervisor. After an extensive conversation, that supervisor stated if a mortgage payment is being made within 5 days of its due date, she can waive the fees. This was the first time I was made aware of this rule. The payment this writer was attempting to make qualified for that rule. The supervisor then agreed to waive the fee for paying over the phone. While on the phone this writer researched the history of SPS online and discovered the previous government settlements related to its business practices under its previous names. 

SPS ' fee practices are unfair, discriminate against financially disadvantaged individuals and financially burden those who may be experiencing financial hardship. SPS unfairly applies fees to the most convenient and easily accessible method available to most to make a timely payment, especially during the pandemic - the phone.
Product: Debt collection

I don't recognize this debt. They are reporting this collection that I don't have knowledge of. I tried fixing by contacting them but they are insisting that it is mine. Having that said, I already filed an FTC affidavit regarding this matter and contacted the credit bureaus to file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

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

CFPB Case # XXXX was resolved on XX/XX/XXXX with credit of missing {$500.00}. On XX/XX/XXXX funds were withdrawn again incorrectly {$500.00}
Product: Prepaid card

My account with cash app got overdrawn and I didnt know anything about it I reached out to customer support but they was no me to talk to just some robot so I had to make a whole new account but Im really tried of cash app been having nothing but problems with them since I have had the account.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Product: Prepaid card

In XX/XX/XXXX, I purchased a Vanilla Visa e-gift card for {$50.00} online at XXXX  They were running a promotion with a {$0.00} activation fee. I thought I would purchase it for myself to try it out before buying one as a present for a family member. As of XX/XX/XXXX, I haven't been able to use the gift card online to pay my bills or make purchases due to it being declined. On XX/XX/XXXX, I called XXXX ( their help line ) to ask for a refund. After speaking with a supervisor they said I would receive a refund check within XXXX weeks. XXXX weeks later and I still haven't received my refund. I called back today on XX/XX/XXXX and they said my refund request was denied and there was nothing they could do. 
See cardholder agreement for cards starting with XXXX on XXXX XXXX XXXX XXXX XXXX Note : Cards are distributed and serviced by InComm Financial Services, Inc. , which is licensed as a Money Transmitter by the New York State Department of Financial Services
Product: Vehicle loan or lease

I am writing to express my ongoing concerns regarding my lease and the continuing parts shortage issue. As previously instructed, I contacted Ford Credit and spoke with XXXX, who can be reached at XXXX. XXXX reiterated that Ford Credit does not control the parts shortage and is not issuing waivers for lease payments. 
XXXX further advised that Ford Motor Company should be issuing reimbursements for lease payments due to the ongoing parts shortage and directed me to Fords Customer Relations Department at XXXX. However, as you are aware, this is the same number I have contacted multiple times, yet without receiving any resolution. I would appreciate clarification as to why I am still being directed back to Ford Credit instead of receiving a direct response from Ford Motor Company on this matter. 
Additionally, I would like to emphasize that Ford 's responsibility for the parts shortage has not been adequately addressed. I entered into a lease agreement with Ford, not with a third-party parts supplier, and as such, it is Ford 's responsibility to ensure that the necessary parts for repairs are available in a timely manner. 
At this time, I am still waiting for an estimated timeline for the arrival of the required parts. Meanwhile, I am being told that I must continue making lease payments for a vehicle that can not be repaired. This situation is simply unacceptable. I am formally requesting reimbursement for my lease payments, as suggested by Ford Credit, especially since I am aware that similar accommodations have been made for other customers in similar circumstances. 
In addition, I would appreciate a clear timeline for when the parts are expected to arrive, as this delay has been ongoing for some time now. 
I would also like to bring to your attention that I have a special-needs ten-year-old son who relies on us for all his care. My wife has recently gone through XXXX treatment. The financial burden of continuing to make lease payments in addition to rental expenses for a car that can not be repaired is becoming increasingly difficult to bear. 
As I mentioned previously, I have contacted my insurance provider, and they have confirmed that, under New York State law, I am entitled to work with any NYS-authorized body shop for repairs. It seems that Ford is not acknowledging the fact that parts have been out of stock for several months and is refusing to provide a loaner car during this extended delay. My insurance company has already paid the body shop, and I am unable to move my car to the dealer. The dealer has informed me that they are not handling the bodywork, and they never mentioned that I must go through them for these repairs. 
Thank you for your attention to this matter. I look forward to your prompt resolution and a timely response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is reporting me a charge off for XXXX, XXXX, and XXXX of 2023 on an account that has been paid in full. It is negatively affecting my credit score and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been practicing the FCRA law for a few months now with no progress and I know my rights. 

XXXX  XXXX XXXX Delete this account because the date last active is reporting 2 different dates for the last 7 months with no changes. Transunion date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. 

XXXX XXXX Delete this account because the date last active is reporting 3 different dates for the last 7 months with no changes. Transunion date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. 

XXXX XXXX Delete this account because of inaccurate date last active and inaccurate date opened. The date has been incorrect for a few months now. 

XXXX  XXXX XXXX Delete this account because of inaccurate date last active and inaccurate date last reported. The date has been incorrect for a few months now. 

XXXX  XXXX XXXX Delete this account because of inaccurate date last active and inaccurate date last reported. The date has been incorrect for a few months now. 

XXXX XXXX Delete this account because of inaccurate date last active and inaccurate date last reported. The date has been incorrect for a few months now. 

XXXX XXXX XXXX Delete this account because of inaccurate date last active and inaccurate date last reported. The date has been incorrect for a few months now. 

XXXX XXXX XXXX Delete this account because the date last active is reporting 3 different dates. Transunion date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. XXXX date last active states N/A. The date has been incorrect for a few months now. 

XXXX XXXX Delete this account because the date last active is reporting 3 different dates. Transunion date last active states XX/XX/XXXX. XXXX  date last active states XX/XX/XXXX. XXXX date last active states N/A. The date has been incorrect for a few months now. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report In regards to the Fair Credit Reporting Act law, 15 U.S.C. Sec. 1681i ( a ), these accounts must be deleted. I want these accounts deleted since they are not 100 percent accurate.
Product: Mortgage

I contacted HSBC many times about my mortgage payments. I asked for an interest rate adjustment, refinance, etc. 

After some discussions I decided to enter an interest rate modification.The modification allowed me to send a mortgage refinance estimate from a competitor and then HSBC would beat their rate and adjust my mortgage rate. 

On XX/XX/XXXX, I carefully reviewed a 2 page contract send over by HSBC to adjust my rate. After reading the terms and conditions I esigned the document. This adjusted my interest rate to 2.9 % and allowed HSBC to keep me as a customer instead of refinancing with XXXX. 

I was then charged a {$1400.00} rate modification fee on my next mortgage statement that was not mentioned in my signed contract. HSBC provided a copy of the contract ( see attached pdf ) which does not mention any fees. 

HSBC is claiming that an email they sent contains additional terms. I don't see how an email that I didn't agree to can add extra terms to a contract I signed without those terms. 

I paid the {$1400.00} fee as I didn't want a late fee but I dispute the charge.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in XXXX XXXX XXXX and also filed a Police Report on my local police department. Additionally, I have reached out to the bank associated with the fraudulent account. The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over XXXX years. But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. Equifax and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. 

XXXX XXXXXXXX
Product: Student loan

My complaint is for XXXX of XXXX, PA once a part of XXXX Colleges that forced me into getting a XXXX loan from XXXX XXXX XXXX. I have submitted a complaint in the past about my XXXX loan and have gotten no with it and now my loan was sold to another private lender Campus Student Funding LLC at XXXX XXXX XXXX XXXX. I have making payments none stop for almost 4 years now and my balance is actually higher now then it was when i was in school and from when i graduated in XXXX 2012. These high interest loans and the high cost of XXXX in general put me so far in debt that I was not eligible for a mortgage because my debt to income ratio was too high. Even with close to a XXXX credit score the loan officer was not able to help me. I pay all my bills on time but here pretty soon I 'm not gon na be able to afford the genesis loan that is now with the other loan servicer. This was unfair practice on the part of XXXX colleges and the XXXX lenders and now four years later I am still suffering from attending there. I never received anything saying that the lawsuit against them would help reduce my debt. I think XXXX sold the active accounts before they were able to be reduced. I think my loan should be reduced since i have not missed a payment since XXXX of 2012 and my balance is even higher now then it was when i graduated.
Product: Credit card or prepaid card

My Bank of America credit card account had an unpaid balance less than 5 % of total credit line. After I paid this balance, the account was closed without any notice which resulted in reduction of my credit score by XXXX points.
Product: Credit reporting or other personal consumer reports

This account does not belong to me and I would like for it to be removed from my XXXX, XXXX XXXX Eqifiax Report. Please validate and verify this account belongs to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.
Product: Debt collection

I am a victim of identity theft, my information is being used fraudulently since the XXXX Hack in XXXX. This account with this company showed up XX/XX/XXXX on my credit report however the credit reporting agencies are reporting that this collections account was opened on XX/XX/XXXX. I have sent the company multiple letters asking for an verification of debt bearing my signature however I have not received a response. I do not have an account with XXXX XXXX nor have I had one in the past. I have attempted to contact the company and additionally I have been working with law enforcement to get this straightened out and corrected. I was given a police report number XXXX Please assist with getting this rectified this is not my debt I am requesting that Portfolio Recovery Associates immediately remove this collections account from all credit reporting agencies ( XXXX, XXXX, XXXX ) I want them to immediately cease and desist all written and telecommunications attempts to collect this debt. Portfolio Recovery Associates states that I owe them this debt of XXXX. I have repeatedly asked them to provide validation/verification of this debt BEARING MY SIGNATURE. As required by the FDCPA Section 807 ( 8 ). I have never done any business with them, signed a contract nor do I owe them money. XXXX, XXXX and XXXX have stated that account information disputed by customer, meets FCRA requirements. They have not marked this account as disputed which is also a violation of the FDCPA with a sentence of customer has disputed validity of this item. Which has been over 30 days by law they have to add the dispute notice within 30 days. The credit reporting agencies included but not limited to XXXX, XXXX, XXXX are in violation of the law and must remove Portfolio Recovery Associates from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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, credit repair services, or other personal consumer reports

I filed a dispute with XXXX about incorrect information on credit report. Navient has indicated that I missed five payments in a row ( XX/XX/XXXX through XX/XX/XXXX ). When I contacted Navient on XX/XX/XXXX about the discrepancy, they refused to make any changes. I explained that I was told by a Navient rep that my account would be put in forbearance, but that is not what happened. I ended up getting my account flagged as missed payments. I asked for them to pull call records which they were not able to produce. I also filtered through my email and have no communication about missed payments. Not even a certified letter was sent. The loan has been paid in full since last year, but is negatively impacting my credit score due to their error.
Product: Mortgage

My husband passed away in XXXX, a week later I notified the Mortgage Company ( Wells Fargo ) I was able to make my payments up to XXXX 2015. I called them to start a loan modification. I jumped thru hoops for them, sending every paper they wanted. The last I heard from my loan preservation agent XXXX XXXX everything was a go to submit all the paperwork to his manager that was XXXX XXXX. Today, XXXX XXXX I receive an email from a different person saying they need forms they already have, about XXXX of them. The new loan preservation guy said some of the pages were minimized and he can not use them. I do n't understand why they are giving me the runaround. For 18+ years we were never late on our mortgage. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a debt validation letter and 3 609 dispute letters explaining to the creditor that the fees assessed are incorrectly reported on my credit report. Please see attachment for the original lease agreement, security deposit deductions, and final account statement. These charges have been invalidated and are in accurate. Not only has the creditor failed to provide proof of the alleged damages, the charges do not match with the security deposit deductions provided with the original lease. Please also note that the reletting fee listed on the original lease does not match the final account statement.
Product: Credit reporting or other personal consumer reports

I am a XXXX customer with an active account that is in good standing. A few months ago, I started receiving letters in the mail stating that I had a bill of {$1000.00}. I immediately logged into my XXXX account and saw that it had nothing to do with me, so I assumed it was a scam and ignored it. However, after receiving the same bill XXXX times, I called XXXX to ask them what it was about. They told me that they didn't know and that my normal account was fine. I asked them to remove it from my name, and they said they would. 

However, I continued to receive the same letter repeatedly, so I called XXXX again to ask what was happening. The person on the other end of the line informed me that the account had come back as accurate. When I asked why they hadn't contacted me, the person didn't know what to say. They then called the XXXX department, who advised them that it was a mistake made by a XXXX representative in store and that customer service needed to cancel the account. They assured me that it would be taken care of. 

However, by this time, the account had been linked to my XXXX and reported on my credit report as a missed payment. I asked the person on the phone to ensure that it was removed from my credit report, and they assured me that it would be done within XXXX business days. This was before XX/XX/2023. After a few days, I checked my credit report again and saw that it had been sent to a collection agency. After spending more hours on the phone with XXXX, I realized that the previous agent had closed the account but had not removed the balance, leaving me in a more serious problem, which was a collection. They advised me to file a dispute, but it did not help. 

Now, I am fed up with XXXX. I have not been able to obtain more credit because of this issue, and nobody at XXXX is taking it seriously. I don't understand why, if a XXXX representative made a mistake, it should be my responsibility. I am extremely upset and want to sue them for this. Additionally, they should erase this delinquency from all three credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX, XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00}, XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX. ) XXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$4100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is in deferment. I have tried to dispute this with the agency and Experian. I have proof. They will not fix.