23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Consumer Financial Protection Bureau To Whom It May Concern, We started the process of acquiring a Loan Modification in XX/XX/2024 from Select Portfolio Servicing, Inc. because we have a hardship situation that was beyond our control, and we were not prepared for. 
After filing all the paperwork numerous times, at least 3 times and submitting documents repeatedly at least 8 times. SPS has offered us a compromise to which we feel is not a compromise at all. 

1. The payment they are requesting is not lower than the original payment.

2. The Monthly Gross Income is severely miscalculated. Our monthly income is from Social Security Income, and they are adding tax to come up with a gross income that is incorrect. We have included copies of our guaranteed income from the Social Security Income.

The amount they calculated as our gross income is grossly exaggerated by over {$1000.00} per month. They have calculated tax on our Social Security Income to come up with a Gross amount. This is incorrect, there is no tax on our Social Security Income. I have included our Social Security Cost of Living Statements.

In doing research into this company, I have found numerous complaints with Consumer Affairs, and many lawsuits both civil and class actions.

We have tried working with Select Portfolio Servicing and have done everything they have asked and supplied everything they have asked for numerous times. We simply want to try and keep our home. We are asking for a reduction in the Interest Rate to lower the payments and to add the past due amount to the back of our loan. We feel this is best for us so we can get back on our feet and try and move forward with this situation that life has delt us. 

My husband XXXX had a XXXX XXXX at age XXXX XXXX XXXX due to no fault of his own. His situation is hereditary. He was doing fine up until XXXX. He was ill from XXXX, it further XXXX XXXX XXXX XXXX XXXX XXXX and he had no choice but to retire from his job because he could no longer perform his job as he should and for the safety of his peers. This caused us to have to pay for our own Medical Insurance and try and keep up with our obligations and expenses and not to mention the tax bill we now have with the IRS because we had to utilize our savings. We have exhausted our savings and now depend on Social Security Income. 

This was all made known to SPS and we feel the modification they offered is not a modification at all. 

But simply a tactic of stalling and forcing us to become further behind and into an agreement we simply cant afford so they can foreclose on our home. 

Our original mortgage payment was - {$1000.00} - the modification payment they are requesting is {$1100.00}. 
Our income from SSA for XXXX - {$2000.00} - for XXXX {$1200.00} = {$3200.00} SPS calculated our {$4100.00} Any assistance with this matter would be greatly appreciated and we look forward to hearing from you. 

Best Regards, XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has me listed as paid on time from XX/XX/XXXX thru XX/XX/XXXX but then lists me as 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. This timeframe was listed as a forbearance and XXXX stated in XX/XX/XXXX my credit report would be corrected but never was. I submitted a dispute letter to XXXX, Experian and XXXX in XX/XX/XXXX with no response and again in XX/XX/XXXX with no response or correction to the my credit report. I even included a copy of my XX/XX/XXXX credit report to all three agencies. 

I received notice last month that XXXX is no longer allowed to handle student loans due to a law suite . This error has negatively impacted me for over a year and is still impacting my ability to acquire fair credit. 

XXXX, XXXX, Experian and XXXX failed to what was required of them by law.
Product: Debt collection

Date : XX/XX/2022 Company : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Paid A Settlement Amount Of {$310.00} ( Confirmation # XXXX ) For Collection Account # XXXX To Be Removed And Was Told In 30 Business Days The Account Will Be Removed From All Credit Bureau XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Equifax put a credit freeze on my account in early XXXX because of a number of hacking attempts. This month -- XXXX of XXXX -- we bought a new car and the salesman said he encountered a credit freeze. I explained the situation and told him I would contact Equifax to have it removed. I spent nearly four hours on the phone and online trying to get this corrected with no result. I wound up talking with two different men somewhere in XXXX, whom I largely could not understand and who questioned me about credit cards and other items I had 10 years ago. The online effort was just one continuous round and round with no positive result. I contacted our local U.S. Representative 's office who directed me to you. The car dealer wants to know when I can get this situation fixed, but I can not make contact with anyone at Equifax in XXXX. Please help! 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX, XXXX, and Equifax XXXX after my disputes in XXXX, 2021 and XX/XX/2021 XXXX, XXXX, and Equifax has informed me via mail that they are going to continue to diminish the value of my consumer report and violate my consumer rights under the FCRA. I have included evidence that XXXX, XXXX, and Equifax is violation of the FCRA, has not investigated my matter properly pursuant to Federal law and have verified my dispute as " Accurate ''. 
XXXX. XXXX, XXXX, and Equifax has use my report improperly nor did they have permissible purpose or my written instruction pursuant to federal law-15 USC 1681b ( a ) ( 2 ). 
XXXX. XXXX, XXXX, and Equifax has Infringed upon my consumer right to privacy pursuant to federal law- 15 USC 1681 ( a ) ( 4 ). 
XXXX. XXXX, XXXX, and Equifax has not conduct a proper investigation pursuant to federal law -15 USC 1681a- ( e ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX, XXXX, and Experian there are inaccuracies on my credit report from XXXXXXXX XXXX  and they took over 30 days to investigate which is a violation to my rights.
Product: Credit card or prepaid card

Financial Institution : HSBC.

I opened a credit card with them in XX/XX/2021. A month later I see they charged me interest on purchases, however, at the time of application, I remember very well that the account executive that opened the account, told me the card was 0 % APR for 12 months. I wanted to double check and contacted the bank via chat. The agent I talked with removed the interest charge, confirmed it was an error, issued a full refund and also confirmed the card was 0 % APR in 12 months for the first {$10000.00} in purchases ( my balance was below that amount at that time ). 

The next cycle comes and I'm charged again. I contacted both the account executive that opened my account ( I'm still waiting to hear back from her after two weeks ) and the bank 's customer service via message. They told me the card was NOT 0 % APR, ignoring what the agent told me via chat, and that they are not willing to issue a refund. 

They provided wrong information to me and I think is dishonest and unfair not to accept that. They didn't do it on purpose, but I planned my expenses according the information provided by the agent. 

I have screenshots of the conversation where the agent told me I had been charged by mistake and the card is 0 % APR for the first 12 months. See attachment below.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax and Medicare data breaches. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed ASAP, or I will sue for each violation and act of identity theft.
Product: Debt collection

The number associated with this complaint is my work number which I NEVER gave out. 
Our work numbers recently changed and the new number ( this one ) hasn't been registered on DO NOT CALL LIST and again, I never gave out my number to this 3rd party collection agency for a Hospital ( The Hospital doesn't even have my new number ) I informed them this is my work number and I never gave them permission, nor is it lawful to harass someone at their place of work. They informed me -- -it isn't against the law to contact someone at their place of work but they will remove my number. They lied. They refused to transfer me to a supervisor. The place is called XXXX XXXX -- -their number is XXXX -XXXX XXXX XXXX
Product: Prepaid card

Purchased 8 Vanilla Visa cards through XXXX. Received them XX/XX/XXXX2023 tried to activate them, 4 activated with no problem, the other 4 would not activate and kept saying error. I contacted Vanilla and reported the problem, I also contacted XXXX, XXXX would not take them back to give me new ones, Vanilla said to wait 24 hrs, which I did and tried again same error, contacted Vanilla again, again they said wait 24 hrs I did. Then the 4th call they said there was no money on them. I said I haven't even got them to activate. They said to send in pictures of the cards front and back, along with my drivers license front and back and sales receipt which I did on XX/XX/XXXXXXXX  I sent it twice to make sure, I got 2 confirmation e-mails stating they received them. Have not heard anything and when I tried to put in my case number they said they have not received anything, I said I had 2 confirming emails that said they received them, so I sent in again today XX/XX/XXXXXXXX. At this point I don't think they are going to replace or refund the cards it seems like I keep getting the run around. These were XXXX  gifts totaling with purchase fees are {$490.00} the total gift cards were 2- {$200.00}, 1- {$50.00} and 1- {$25.00} and purchase fees for the 4 cards. They have to be able to see when I tried to activate them and wouldnt activate and all the calls.
Product: Checking or savings account

Citizens Bank sent me a {$600.00} offer. 
I met the conditions of directly depositing {$500.00} into checking account. Initially I deposited {$50.00} in each account. 
I was checking my balance online and the app had locked me out within a few days. I called customer service and they told me to go to the branch. I went to the branch and they told me that both accounts had been closed with no explanation. I have around an XXXX credit score. 
It seems like they wanted my information and they made sure I did not get my {$600.00} offer. it appears very unethical, please assist. 

I finally received a letter from their fraud operations group, saying that my accounts were closed and no explanation.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXXXXXX XXXX with account number XXXX Remove due to inaccuracy - I never paid late If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from a lender listed multiple ways on my report ( ACIMA CREDIT FKA XXXX, ACIMA CREDIT , XXXX, ACIMA CREDIT , XXXX, ACIMA CREDIT XXXX and ACIMA CREDIT XXXX  ) on XXXX XXXX in which I immediately contacted the credit report bureau ( XXXX ) to dispute this matter as I have never requested a line of credit of any sort from this lender. The inquiries were removed by the agency ( 1 REMAINED ) which prompted several rounds of dispute which were not resolved to my satisfaction in which my report updated with the following remarks, " he companies that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. The most recent update. '' The account originally appeared as " LATE '' however now reflects as charge off after speaking with several customer service reps from the company. I was able to obtain the rental contract which does not reflect ANY of my information ( address, signature, phone number, email. etc ... therefore was not properly investigated, reviewing, verified and/or validated. Please see all attached information including several communications with members from the ACIMA company. Per the XX/XX/2021 XXXX Dispute Results ( Report number XXXX ) Assistance from the CFPB

is warranted in this matter. Thanks in adv
ance
Product: Bank account or service

On XXXX XXXX of 2015, before the close of the business day, I deposited my payroll check into my checking account with Wells Fargo bank in the amount of {$1000.00}. As of today, XXXX XXXX 2015, three business days after the deposit, five real days, the funds are still not available in my account. I contacted Wells Fargo regarding this issue multiple times and was told that my funds would not be made available until XXXX XXXX 2015, eight business days after the deposit, twelve real days. In my XXXX interaction with Wells Fargo ( XXXX/XXXX/2015, XXXX ) I was told that the financial institution that had issued the check had not yet released the funds and would not until XXXX/XXXX/2015. I then contacted my employers payroll department and inquired on this issue and was told that Wells Fargo 's claim was completely false. It was explained to me that the company I work for sets aside the funds for payroll before the checks are even cut and issued and the money was available on their end before I ever had my check in my hand. I contacted Wells Fargo once again regarding this issue later that same day, XXXX/XXXX/2015. This time the explanation as to why my funds were not available had changed. I was told that there was a high probability that the check would not be paid. An absurd claim considering that my company employs over XXXX people and all the other employees had already been paid. Also, two weeks prior I had deposited my payroll check from the same company, issued by the same financial institution, in exactly the same manner and the funds were made available the very next day, a Saturday no less. Had I known beforehand that Wells Fargo intended to hold my money for such an extended period of time, I would not have deposited it. Legal or not, Wells Fargo has an obligation to inform their customers beforehand if such an extended hold is even a possibility. Wells Fargo flat out refuses to do anything about this issue. I am XXXX of Americans living paycheck to paycheck and while I wait for my funds to become available, I have rent that needs to be paid, bills that need to be paid and I do not have the financial means to even feed myself as a result of this extended depository hold. The absurd length of the hold was only told to me after the deposit was made, leaving me with no option other than waiting.
Product: Credit reporting or other personal consumer reports

The information is incorrect on my report and needs to be removed which is effecting my credit score
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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

Company claim they verified this On XX/XX/2018 I checked my Equifax credit report, I notices two accounts on my report that not mine .I disputed this threes times with Equifax and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below 1.XXXX XXXX XXXX Acc # XXXX, Open date XX/XX/18 {$4000.00} and says in belongs to me!. WHICH i have asked them in 6 disputes to provide me with proof of contract with my signed name on it that verified, To give them the right to report this information. Which they fail to provide six tines. I ask Equifax to remove this account due undocumented proof.
Product: Debt collection

XXXX XXXX Spring oaks Dear Sir/Madam, I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with account number I believe that your attempts to collect this debt are in violation of the Fair Debt Collection Practices Act, as I have disputed the validity of this debt in writing and have not received proper validation from your agency. 

I am requesting that you provide me with proof of the debt and cease all collection efforts until such time that you can provide me with the necessary documentation. 

Failure to comply with this request will result in further legal action being taken against your agency. 

Sincerely, XXXX XXXX
Product: Credit card

My wallet was stolen and somone used my credits card to make severals purchases.
Product: Debt collection

2023 I established this debt from RentRecovery was not mine. It was disputed but XXXX Is the only bureau to not remove the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I transferred $ XXXX to Coinbase via an ACH from my bank. At time of transfer the system stated funds would be available for transfer or withdrawal on XX/XX/XXXX. XX/XX/XXXX, I received an email requesting an ID verification. I promptly submitted and cleared the request. In addition an email was sent stating a security freeze is on my account. Preventing me from withdrawing my money until XX/XX/XXXX. XX/XX/XXXX I called Coinbase support after there was no resolution via Coinbase chat support. During this call, an email was sent to me requesting some additional information. Following this is received an email from Coinbase stating : XXXX XXXX XXXX, Were happy to inform you that the review of your account is now complete. Youre now able to Buy/Sell/Send/Deposit/Withdraw We sincerely appreciate your patience during this process. If you need any additional support, please visit the help center. 


Regards, The Coinbase team I have received this email twice. After which I attempted to withdraw funds back to my original bank account. Each time Coinbase support stated I should be able to withdraw my money. While on the phone with Coinbase, I attempted to transfer & each attempt was cancelled without explanation. The Coinbase representative was confused as to what was happening. After hours on the phone with multiple representatives, each time they will come back stating the hold is to protect my money & me. How is stealing my money protecting me? Im an adult who doesnt need Coinbase to hold my money like a parent protecting a child. This is theft! I have all emails from Coinbase with multiple different explanations. From, funds are available as stated above to the can not tell me why they have a security hold. I have directly asked as to whether they are concerned for XXXX XXXX or other nefarious activities. They have stated no, but can not say what. I have since filed complaints with FTC & SEC. Intend to contact FBI next as I believe they are committing fraud & extorting money from clients.
Product: Credit card

I was wrongfully charged with securities fraud to which all of my credit cards and bank accounts were closed before the result. After I beat them in court and the case was dismissed due to no finding of wrong doing, I tried to open another credit card through chase bank. To which I got the chase sapphire reserve because my credit score is well over XXXX. They granted it. I never keep a balance and pay it off almost daily. I use about {$25000.00} a month and easily pay it. Again, never a balance. They recently randomly decided to close my card they wouldnt give me a reason other than it was connected to a previous account closure. Side note, my previous accounts were always in excellent and never had an issue or balance or missed payment. I explained my situation to the person on the phone and he said they would send a letter and this was non reversible. That their decision was final. I explained I had a judges orders showing the case was dismissed due to no wrongdoing and no crime found. They still closed me out. All banks seem to do this and all credit card companies. How am I supposed to live? I have excellent credit and have NEVER committed a crime. This is wrong
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a complaint to Comenity Bank/Victoria Secret regarding two ( 2 ) late payments reported on my consumer credit bureaus '. I contacted them on XX/XX/XXXX to file a hospitalization/disability claim and was redirected to the insurance provider XXXX  XXXX. I submitted my claim and XXXX  XXXX made the first payment on XX/XX/XXXX. Comenity Bank is, and continues to report my account delinquent as of XX/XX/XXXX. 

This is an error between the Comenity Bank and XXXX  XXXX as there was no delay in payment on my part, so these late payments should be deleted. 

XXXX XXXX is reporting that they made the first payment on XX/XX/XXXX, subsequent payments on XX/XX/XXXX and a final payment on XX/XX/XXXX. I have since received proof of these payments from XXXX  XXXX and have attached for your review.