23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Servicing, Inc. ( SPS ) and XXXX XXXX, XXXX I sent a letter to SPS on XX/XX/XXXX requesting consideration for a short sale. They responded by saying I had to fill out the application online and submit the required information. I filed the application through their website on XX/XX/XXXX. 
On XX/XX/XXXX I received notification stating that the application information was incomplete and that it had to be resubmitted within 90 days or I had to start over. 
The information submitted WAS complete. I've had an attorney working with me to get a response from them and he resubmitted the info himself. Since that time I have received numerous form letters stating the same things over and over - " submitted documentation is insufficient or information is still needed ''. This has been going on for 8 months and I'm no closer to resolution than when I started. These letters are simply a stall tactic. I have also sent letters to XXXX XXXX, the CEO of XXXX XXXX  and have simply been ignored. The letters were sent signed receipt requested and I have proof they were received. A letter was also sent to your office on XX/XX/XXXX and also went un-responded. I have an offer on the table for the sale of my home and I can't get anyone to respond or work with me on a resolution.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : XXXX XXXX XXXX bal. {$2100.00} XXXX XXXX XXXX XXXX XXXX. {$1600.00} True Accord Corporation bal. {$420.00}
Product: Credit reporting or other personal consumer reports

I have hard inquires that I did not authorize and I want it removed XXXX, I sent multiple letter to correct this on XX/XX/year> and on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX, I went to XXXX  XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX  XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX XXXX cards I had just opened. When I called XXXX  XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to XXXX.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX  and XXXX  XXXX and Trans Union XXXX and other credit place. They say that my credit is derogatory and through XXXX XXXX and XXXX  in XXXX. They say that my credit is good there was also was a time when Trans Union dropped XXXX points in XXXX without any kind of reason why when it was at XXXX went down to a XXXX I dont I mean a XXXX something And I dont have any late payments and its the information that theyre showing on my credit report and also on XXXX XXXX and XXXX in XXXX XXXX theyre all showing that I dont have anything derogatory yet. I cant get a credit card. I cant get along. I cant get anything so I dont understand why I built my credit up so high.
Product: Credit reporting or other personal consumer reports

There are couple of fraudulent accounts in my report. Please remove this as soon as possible. This is not fair having these affecting my credit standing. 

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: Checking or savings account

I was using a money saving app called Oportun which rounds up my change. Ive had them for about 2 years never had a problem until Sunday XX/XX/year> so since they have no XXXX number I emailed to XXXX after emailing from Monday through Thursday and reading the emails from them 3 different individuals supposedly just kept telling me the same thing its the wrong email Ive sent them every email I had I said this is a glitch fix it gave them 3 documents like they said and still kept telling me its the wrong email. Obviously its a run a round the amount I have in the account is about {$360.00}. Ive sent my drivers license bank account and car insurance ( blocked certain numbers for privacy ) all to theyre email only to get a third person and that was it.
Product: Credit card or prepaid card

For almost 1 year I have been charged with interest on a credit card that I paid the balance on. I paid the statement balance due on XX/XX/21 and a few days later, was charged an interest fee. I was told that the interest had not yet been added to the bill. Since I was under the impression I had paid the balance in full, I started getting late fee charges added to the account. Again, I paid the new balance of interest charges and the late fees on XX/XX/21. Yet again, I thought I was current on the payment, and again was charged interest fees after making the total payment. After dealing with this issue again, I paid another fee and asked the representative to close my account, and she assured me that once I made this last payment on interest fees and late payments that I would be done with the payment. Now, my account is closed and they are once again trying to collect payments on interest charges that were charged after the representative assured me that it was taken care of. I was told that now that my account is closed, nothing can be corrected. I just have to pay the {$14.00}. XXXX which is not a lot of money ; however, I've been charged for these interest fees for no reason and I keep having to make payments on a card that I paid the balance on almost a year ago. I have several credit cards and I've never had an issue like this whenever I've paid off those accounts. This isn't fair and I don't think it is right for Victoria Secret to continuously charge me for a card that I've already paid in full and closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights toprivacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 ) y ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

This letter to Attorney General XXXX describes the nightmare Ocwen has made of the entire year of 2016. They are endangering the life of my XXXX son : Dear Attorney General XXXX XXXX, Department of Justice , XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXXXXXXXXXX, is trying to help my XXXX son XXXX with a XXXX problem but OCWEN keeps making my credit score go up and down like a yo-yo preventing me from getting a loan. XXXX could get a XXXX and XXXX XXXX if we keep putting it off because OCWEN keeps changing my score from " very good '' to " poor '' by their constantly taking my loan on and off of my reports. XXXX already has a XXXX XXXX. All this delay could cost him his life. 

I pay all my bills on time. I have never been late on any bills since I became a single mom. 

I have a blog which shows OCWEN has been doing this to us all of 2016 : XXXX My OCWEN loan is being reported as closed, AGAIN. This is not true. My credit score fell from very good to poor the day Ocwen started changing what they report to the bureaus. This denies me the ability to get a loan to fix my XXXX son 's XXXX XXXX. XXXX has a XXXX XXXX. He could get a XXXX and XXXX XXXX if OCWEN ruins my credit all 2016 in spite of my perfect payment history. They are preventing me from conducting business as usual. They have crippled me financially all of 2016 when they first began attacking my loan in good standing. 
Please make them stop destroying my good credit. OCWEN claims they HAVE to ruin my credit anytime I contact the Dept of Justice or CFPB. They expect customers to be afraid to ask you for help for fear of having their credit score drop drastically if they do. That is wrong. Please help me so I can get a loan for XXXX ' XXXX XXXX with XXXX XXXX before something terrible happens to XXXX. Thank you. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

They are charging {$40.00} late fee and wont waive it or reduce
Product: Debt collection

Hi. XXXX XXXX is attempting to collect a debt resulting from a membership contract that I never signed ( attached ) but I received by email. A gym employee signed it without my authorization. When I checked the contract on XXXX webpage, the initials on the contract and the address zip code do not match. 

I emailed XXXX in early XXXX and was told that they couldnt help, only the local gym can. I called the gym about a week later and they said theyd help, but didnt. 

When I called XXXX XXXX XXXX about a month ago to respond to a bill collection effort, I disputed the debt. After asking for a manager, they confirmed that two contracts were associated with my phone number without my knowledge, so I was told they ceased collection efforts on both. 

Today I received an email from XXXX XXXX XXXX, XXXX. demanding payment of {$130.00}. I sent them an email to XXXX and got a response saying that the address isnt monitored ( despite being listed on the bill payment page ). When I called the XXXX number that appears on the website today XX/XX/11 at XXXXXXXX XXXX, I restated the above and asked for them to cease collecting an invalid debt. The person on the line said we dont work like that and then hung up on me.
Product: Mortgage

I am currently current on my mortgage payment and this company keeps returning my payments to me and not applying the payments to my mortgage. They have me owing for my mortgage from XX/XX/XXXX to XX/XX/XXXX and I have paid these payments and they keep returning my payments weeks and months later, making it appear as if I am behind on payments by months, all the while threating to illegally forclose on my home, with multiple certified letters and mailings! I have spoken to different agents in this company and all give reasons that make no sense whatsoever as to why my payments are being returned. This company has XXXX of complaints against them in regards to sketchy practices.. OCWEN Mortgage is the company. I have all my bank statements proving I have sent the mortgage payments. I will be seeking legal action against this company if they continue to send my mortgage payments back as I truly feel they are trying to illegally take my home. There is no plausible reason why I have paid my mortgage and my payments are being returned unless there is some underlying scheming going on! 


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

we need to update all three credit files at XXXX and Equifax and XXXX. first the consumer statement is wrong i need that to have the right phone number in which should be XXXX we need update the security / credit freeze and add an initial extended fraud alert. we also need to fix my credit inquires and accounts removing every thing that was fraudulent and not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened several accounts in my name, including a credit card I did not request or was sent to me as a debit card. A settlement dispute was resolved over multiple accounts back in 2016. However, the credit card was charged off & I was never sent the bills after I became XXXX and was in a XXXX XXXX. 
I've tried to resolve the issue with their collection firm and attorneys, however, there is nothing they can do since the settlement was not recorded in a court or via their legal team. 
I still have not received any compensation after XXXX XXXX opened more than 4 accounts in my name, charging me extra each month on each account.
Product: Vehicle loan or lease

On about XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, MBFS report 3 missed pmts in my credit report when I had no clue that the loan was even late, my ex girlfriend is the primary on this lease and I was never informed to this late pmt!!! She called them crying because they had a repo status on this car. So she called me while they were on the phone explaining that this was due to Covid-19. I then pay the late pmts in full to catch this loan up and ask MBFS why I wasnt called when it was 30 days late. They told me that the dealership never included my info on the lease which I found to be not true as the took my info for the lease. My ex couldnt get the lease in her name as her credit wasnt good enough so they had me co-sign on the lease. I have asked them if this is the case then why did the need my info. I have called them repeatedly to remove the late pmts on my credit file as I had extremely good credit at the time and it dropped my score due to her missing the pmts. I find this disturbing as I was never informed of the late pmts but still being held responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX XXXX I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax numerous times for the last XXXX weeks with the inaccurate information they have been reporting on my credit profile. This inaccurate collection is a result of identity theft, police report was also submitted along with the Dispute XXXX XXXXXXXX. 

Equifax opened XXXX other Disputes XXXX XXXX XXXX XXXXXXXX. These disputes are not opened by me nor authorized by me. I was also given Esclation XXXX XXXXXXXX and was informed the authorized disputes will be closed in XXXX business days. NOTHING HAS HAPPENED. 

I spoke to several people at Equifax, some of them are XXXX XXXX, XXXX XXXX ( XXXX Incharge, Consumer Affairs ), XXXX XXXX, XXXXXXXX XXXX XXXX  ( shocking informed me that he could not locate my file ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Unfortunately no one was able to resolve the issue even upon repeatedly informing them about the inaccurate information being reported and evidence provided ( XXXX Report, Identity Theft Report ). 

This has been an ongoing issue Equifax not addressing the customer concerns nor completing proper investigation on the reports of fraud. 

I was a victim of an identity theft, this was explained to Equifax on several occasions, please refer to previous CFPB compliant also. 

THESE ACTS BY EQUIFAX HAS RESULTED IN ME LOOSING XXXX POINTS FROM MY EQUIFAX CREDIT SCORE. I WAS IN MIDDLE OF XXXX XXXX MY XXXX XXXX APPLICATION HAS BEEN DECLINED AND CAUSED SEVERE FINANCIAL BURDEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX partial account numbers XXXX. ( Please pages 7, 8 and 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is  owed and nothing is past due. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit card or prepaid card

Navy Federal continue to report to the consumer credit bureaus that my credit card it over the limit and the charges are from fraudulent unauthorized charges in which is effecting the consumer credit reports and credit worthiness in a negative manor. I have disputed the fraudulent charges and did an appeal, this is violation of Federal codes a XXXX has been effecting providing for my family
Product: Debt collection

On XX/XX/XXXX, I noticed the account XXXX XXXX XXXX was on my Equifax credit report. It says it was opened on XX/XX/XXXX. I have no prior knowledge of this account nor authorized anything regarding this account. I filed an FTC report for this matter.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segmenXXXX 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX On XXXX, I reviewed my credit report and identified several discrepancies. 
Consequently, on XXXX, I sent a letter to [ XXXX/Experian/XXXX  XXXX requesting a reinvestigation of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ], I received a response from [ XXXX/Experian/XXXX  ] indicating that their investigation was complete and the accounts in question were deemed accurate. 
However, upon reviewing my report again, I noticed that no changes had been made. 
Account Information : - Account Number : XXXX - Creditor Name : XXXX  XXXX XXXX XXXX Details Inaccurate : LAST PAYMENT, HIGH BALANCE, DATE OPENED, DATE REPORTED, ACCOUNT RATING According to 15 USC 1681i ( 5 ), Experian is required to treat inaccurate or unverifiable information in the following manner : ( A ) In general : 1. If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information based on the results of the reinvestigation. 
2. The consumer reporting agency must promptly notify the furnisher of the information that the information has been modified or deleted from the consumer & # 39 ; s file. 
A

dditionally, under 15 USC 1681e ( b ), Experian must ensure the accuracy of their reports : ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. Furthermore, according to 15 USC 1681s-2 : ( A ) Reporting information with actual
knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have 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 to any consumer reporting agency if : 1. They have been notified by the consumer, at the address specified for such notices, that specific information is inaccurate ; and 2. The information is, in fact, inaccurate. 
Experian has not properly reinvestigated my claims and has falsely asserted that they have done so. I have evidence to substantiate my case and request that this matter be addressed immediately and accurately. 
Sincerely, XXXX XXXX