23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been trying to find a solution to this foreclosure situation we have been facing with Select Portfolio Servicing ( SPS ) for years now. At first, they reviewed us for the XXXX programs ; then, they told us that we were not eligible due to a " business decision '' by the investor. When we questioned this repeatedly as to what that meant, we were eventually told that the investor does n't participate in the XXXX programs. Why would our income and other underwriting factors be considered if the investor does n't participate in the XXXX program? 
In XXXX of 2016, we were denied for the in-house program as well. However, the gross monthly income used for the review was shorted about $ XXXX/month even though all documents verifying the household income were submitted in a timely manner. We chose to resubmit a new application with very detailed verifications of income. SPS finally got the gross monthly income correct, but still denied us for any mortgage assistance, once again claiming that the investor did not allow for approval of the in-house program as well. When pressed, we were then told that the reason was actually that they could n't make an affordable payment based on the guidelines of the program. When we pressed SPS for more details such as the proposed modification payment and what terms were used to reach that proposed payment, we were eventually told that this is " proprietary information '' that they did n't want to disclose (!!! ). 
We have done everything asked of us to try and resolve this issue and get back on track with our mortgage, but we feel like SPS is doing everything they can to complete the foreclosure process. They have scheduled a sale date for XXXX/XXXX/16!!!! 
How can we not be eligible for the XXXX program when SPS has taken so much bailout money ( almost {$2.00} XXXX " committed '' )? Why wo n't SPS produce this servicing agreement that prohibits our loan from any participation in these programs? And lastly, why wo n't SPS show clearly how we do n't have enough income to be modified under the in-house program they offer others? It 's not right that these people keep misleading us as to why we can not get assistance and when we do n't just accept their denial and ask for details, SPS chooses to be secretive ( indicating they 're likely doing something wrong ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these items are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$52000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$42000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$21000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, Bankruptcy XXXX XXXXXXXX Date Filed XX/XX/XXXX Docket Identifier XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Around  XXXX   XXXX ,  XXXX  I sent an dispute letters to Experian,  XXXX , and  XXXX  disputing about the following inaccurate information  : 1.    XXXX   XXXX   XXXX  2.  XXXX   XXXX   XXXX   3.   XXXX   Around  XXXX   XXXX ,  XXXX , I called all credit bureaus for updated investigation status. I was told by Experian that they had received the letters, but has not gotten to investigating  XXXX  yet, but was behind in the mail so they were still investigating  XXXX . Under th e Fa  ir Reporting Act, the investigation should be done in 30 days. That did n ot happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on  XXXX  I  was told by the apartment complex that this same information disputed in  XXXX  was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all  XXXX  credit bureaus.     In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the  manager  to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help.     Thanks  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit XXXX  failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following inquires from these companies on my credit report that are fraudulent - please remove them from my file : XXXX : ELAN FINANCI  - XX/XX/2022 XXXX - XX/XX/2022 US BANK - XX/XX/2022 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: Student loan

I am a XXXX and have had to deal with the terrible customer service at XXXX. For the past 3 years I've had several issues come up, reported it to the company, and not once have I heard anything back from them. Issues include, incorrect calculation of my time in service regarding the student loan forgiveness program, incorrect calculation of fees, incorrect denials of income based repayment program, etc. To date, I've paid XXXX, and they are claiming I still owe an additional XXXX. The original amount has already been paid off, but they continue to add on fees and interest. This company is a disgrace and should face penalties for all it's done to XXXX.
Product: Checking or savings account

31 CFR 363.6 says that Primary account means the account that you establish when you first open your TreasuryDirect account ; your primary account is the portal used to open and access all your linked accounts. ( See XXXX for more information about primary accounts. ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Minor means an individual under the age of 18 years. The term minor is also used to refer to an individual who has attained the age of 18 years but has not yet taken control of the securities contained in his or her minor account. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Wells Fargo is the Security Transfer Agent and Wells Fargo has been the custodian of a minor account [ means a person who opens an account on behalf of the minor. ( See XXXX for more information about minor accounts. ) ] and I am notifying you that I am no longer a minor. I am now in the age of majority. You no longer have Power of attorney.
Product: Credit reporting or other personal consumer reports

After requesting deletion of inquiries on my credit report due to Identity Theft, TransUnion refused and responded to my inquiry removal request with a generalized response stating that inquiries are factual information. At the time of the inquiry removal request I submitted proof of identity theft. I am exercising my consumer right to have inaccurate and unauthorized information removed from my credit report. The inquiries are as follows : XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Section 605B of the Fair Credit Reporting Act, which requires TransUnion to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. These unauthorized inquiries must be removed immediately as they are fraudulent. I will take legal action. To my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations.
Product: Student loan

I have recently paid {$940.00} to Navient to keep my account out of collections. They told me I would be entered into a program with a lower monthly payment, but they are now telling me I need to pay an additional {$4000.00}. They will not refund any of the money that I 've paid in the last month and a half.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my annual credit report from SageStream via their own website and uploaded my valid New York State driver 's license that has all of my current information on it as instructed. Instead of my credit report, I received a letter from SageStream dated XX/XX/2020 advising that my valid New York State driver 's license with my current information was not acceptable as SageStream was unable to verify my identity. This same letter requests that I forward my valid New York State driver 's license with my current information. I am filing this complaint because I have already submitted all required information and documentation and want a copy of my credit report to ensure there isn't fraudulent activity occurring.
Product: Debt collection

I called numerous of times they said they cant verify my information it can be identity theft According to FRCA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report thank you
Product: Checking or savings account

I was at the pharmacy picking up a prescription and my card was declined. I called the bank and was told my accounts are closed. I asked why and was not given a reason. I was told a letter will be mailed. I asked how will I receive my money or when because I have direct deposite. I was told they are not sure as of now. My mortgage, water, and gas bill is due. I had a Dr appointment today and insulin to pick up and Im unable to get it. I have no money for gas or food as I get paid XXXX. I would have received the funds today XXXX. I also dont understand how the accounts were closed and I was able to open one on XX/XX/XXXX. I dont know if someone has committed fraud in my name I dont know what to think. Ive been with the bank since 2020. Now I have to find another method for my direct deposit.
Product: Mortgage

CFPB XXXX in your response you included an unsigned letter please identify the official who authorized this document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Permanently Delete all inquiries that are not linked to an open account due to the fact that they are fraudulent inquiries not done or recognized by my person or did I provide my consent. All inquiries have been permanently deleted from XXXX and should be removed from XXXX and Experian
Product: Money transfer, virtual currency, or money service

I received a text from XXXX saying it was Chase Fraud. It showed two " transactions '' and asked if I authorized them. I said No. Then I got a text asking if I authorized a wire transfer for XXXX. I said no. Then it said a fraud specialist would be contacting me shortly. I received a call and was cynical so they told me to XXXX the number which does come up with " Chase ''. The number is XXXX. 

The person on the other line was very convincing and told me they would help me undo the wire. They sent me text with the following : Case Fraud : Thank you. Your wire transfer of {$19000.00} will be released in the next XXXX minutes, TO PREVENT CANCELLATION OR ERROR PLEASE DO NOT RESUBMIT AGAIN. This is where the scammer had me convinced that if I resubmit it will cancel the existing wire transfer. They made me stay on the line for XXXX minutes. I started to understand that this person was a scammer when they were asking to get into the settings on my phone. And the wire was not being reversed on my account. The wire had a memo with a police report of XXXX allegedly in XXXX, FL. I had my husband get on the line and the scammer hung up. 

I immediately called Chase bank FRAUD department. They had in the meantime sent me an email to ask if I initiated the wire. When I spoke to the rep in FRAUD ( at their number XXXX ) he assured me the wire would not go through. Since I had never done wire before it was flagged and they blocked it while we were on the phone. Today XX/XX/2023 the money is out of my account. So I called the claims department only to learn that there was XXXX wires initiated on XX/XX/2023 and that CHASE did in fact let one wire go through. Why did they let another go through? And they claim it was the first wire that was initiated. They refuse to reverse the funds even though I called and they said they stopped the wire transfer. They refused to escalate to management immediately. I am told to wait for a call and that they will investigate and " TRY '' to recover the money. 

They claim that although they protect my money, this is a mutually responsibility. I trusted CHASE to protect me when we called the FRAUD center and they said we were ok and that no money would be paid out. This is all on a recorded line. They can go back to XX/XX/2023 at XXXXXXXX XXXX to listen to the call!
Product: Debt collection

I have sent AWA collections numerous attempts by certified mail to validate the debt they claim I owe them in the amount of one $ {$63.00} and they added another collection on my credit report in the amount of {$120.00} but no response back. No one from this agency has contacted me back, either by mail, via email, or phone call in response to my letters. I asked for validation but again, no response back.
Product: Credit card

Capital One is sending me repeated unsolicted credit card offers even though I have already OPTED OUT PERMANENTLY via optoutprescreen.com and also called them on the phone and requested that these promotional credit card offers via the mail STOP. 

I ALREADY HAVE AN ACCOUNT WITH Capital One so it's completely ridiculous that I have to file a complaint with a third party just to get their attention and try to get them to STOP SENDING ME UNWANTED CREDIT CARD OFFERS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. 
Please send me that information or remove these accounts from my credit, the law is very clear about this. 
Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there was a fraud on my account. 
I reported to the bank on XX/XX/XXXX the bank replied me saying no fraud has occurred. 
The total amount is {$16.00} The money is sent to XXXX XXXX, FYI I never opened any account with the XXXX XXXX its not me who did that transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2023 Unknown Hard Inquiry placed on my Equifax credit file from XXXX XXXX/XXXX/2023 Unknown Hard Inquiry placed on my Equifax credit from XXXX Neither of these hard inquiries are ones that Ive authorized or even have any knowledge of. I have submitted disputes on both of these 4 times each to Equifax. They are not even looking at them and only using an automated system which is NOT checking the validity of these Hard Inquiries nor are they reaching out to the source to verify as the dispute cases are being automatically closed within a few hours. Within their dispute results they do not provide ANY type of documented proof or source of the reason the company drew a hard inquiry on my credit. I have no clue where or why these were placed on my credit and have yet to be provided with any factual information. 

The ONLY hard inquiries that I authorized in XXXX were for my auto loan for my truck and thats it. 

I am not sure if Im a victim of credit fraud or what but Ive placed a freeze on credit with all 3 credit bureaus. I really need this looked into by an actual person to help resolve. 

Disputes Submitted to Equifax : XXXX/XXXX/2023 XXXX/XXXX/2023 XXXX/XXXX/2023 XXXX/XXXX/2023
Product: Credit reporting 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 to privacy and confidentiality under 15 USC 1681. 

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 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 has violated my rights. 

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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Trying to get them to put my dads name on deed since house was paid off a long time ago. My dad dies XX/XX/21. Were trying to close estate
Product: Credit card or prepaid card

THE OPEN DATE OF THE ACCOUNT IS INCORRECT, THE DELINQUENCY IS INCORRECT. THIS WAS PAID OFF AND CLOSED.
Product: Checking or savings account

XXXX XXXX of XXXX, PA was to help me with a work related assignment but she never showed up to the job site. Upon mentioning my concerns for the money sent back to my account she replied with a scammy message. 

Since XX/XX/ I've requested the money nearly 5 times via XXXX and no response. 

I've contacted my bank and they've stated it will take 45 business days to research into the claim I opened against her account. 

Therefore, I'm submitting this report to have the police contact her personally at XXXX ( XXXX ) XXXX. 

Perhaps the police can help her to release the funds that do not belong to her. 

Someone please help me.
Product: Debt collection

My previous landlord assesed move out charges in XX/XX/2021 that I disputed. They turned these charges over to Hunter Warfield for collection. I disputed the charges with them as well within 30 days. They sent me photos from my previous landlord and then reported the charges to the credit bureaus. My credit score as dropped significantly because of this making it difficult for me to get a loan for a new vehicle which is affecting my business. I have video of the apartment when i moved out that disputes the charges assessed. XXXX XXXX XXXX now XXXX XXXX assessed these bogus charges as retalition against me because the property manager and I had disputes while I was living there. I disagree with the charges Hunter Warfield is attempting to collect and that is reporting to the credit bureaus. I have video to dispute the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid account off that was closed by a primary lender.. later I was informed that my score dropped 70+ points I was never notified by the original lender.. when I called to rectify they stated that they mailed it to me by another lender. I paid them again but I need my account to show that it was rectified and my payment history.. shows that I've been a consistent on time payer..